Exhibit 99.06
Rating Agency Grades Detail Report
3375_AVNHT 2026-HE1_Final_7-22-26
Run Date - 7/22/2026 9:30:00 AM
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| XXXXXX-373 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-374 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-375 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-08-18 01:37 | 2025-08-27 06:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-missing deed of trust now present - Due Diligence Vendor-08/27/2025 Ready for Review-Document Uploaded. See the attached file - Seller-08/26/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-08/18/2025 |
Ready for Review-Document Uploaded. See the attached file - Seller-08/26/2025 | Resolved-missing deed of trust now present - Due Diligence Vendor-08/27/2025 |
[Redacted] | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5206929 | ||||||
| XXXXXX-376 | C | A | A | A | C | A | A | A | Closed | 2420 | 2025-08-18 06:11 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/21/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/18/2025 Open-Under the [Redacted] Interest and Usury Provisions, the maximum late fee may not exceed $2 or 5%, whichever is greater. ([Redacted] COML 12-105(b)(3)) Late charge entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5208351 | ||||||||
| XXXXXX-377 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-378 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-08-18 07:10 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/18/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Entries correct in related fields - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5209136 | ||||||||
| XXXXXX-378 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-08-18 07:10 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/18/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5209134 | ||||||||
| XXXXXX-379 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-380 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-381 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-382 | A | A | A | A | A | A | A | A | Closed | FCRE2021 | 2025-08-18 01:49 | 2025-08-27 07:02 | Resolved | 1 - Information | A | A | Credit | Debt | Verified DTI varies from Qualifying DTI by greater than 5% | Resolved-lender provided calculations and DTI Now matches - Due Diligence Vendor-08/27/2025 Ready for Review-We're using a different attribute to get the monthly payment (P13_ALL5830) • App = $2568 • Gross Annual Income: 75,000 / 12 = 6,250 • $2568+$865.84 (proposed HELOC) / 6,250 Income = 54.94% - Seller-08/26/2025 Open-Lender DTI calc is 45.15 (Subject lien payment $1639.90 + $2437.04 all debt - $0 debt swap/ $9029 income. This is more than 5% greater than lender DTI. Need lender calculation - Due Diligence Vendor-08/19/2025 Open-TPR Calculated DTI is 45.15%. (Proposed HELOC payment $$1,639.9+ debts from credit $2437.04- debt swap factor $0=$4076.94/ income $9,029.58).Originators DTI 0% could not be verified - Due Diligence Vendor-08/18/2025 |
Ready for Review-We're using a different attribute to get the monthly payment (P13_ALL5830) • App = $2568 • Gross Annual Income: 75,000 / 12 = 6,250 • $2568+$865.84 (proposed HELOC) / 6,250 Income = 54.94% - Seller-08/26/2025 |
Resolved-lender provided calculations and DTI Now matches - Due Diligence Vendor-08/27/2025 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5206966 | |||||||
| XXXXXX-383 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2025-08-18 03:43 | 2025-08-22 15:23 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open-The (14.49%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (4.3%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) Late charge entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5207332 | ||||||||
| XXXXXX-384 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-385 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-386 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-387 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-388 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2025-08-18 08:17 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5210466 | ||||||||
| XXXXXX-389 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-390 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-391 | C | A | A | A | C | A | A | A | Closed | 8610-13390 | 2025-08-18 05:35 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) Late charge entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5207999 | ||||||||
| XXXXXX-391 | C | A | A | A | C | A | A | A | Closed | 63420-76210 | 2025-08-18 05:35 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($430.63), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) Late charge entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5208000 | ||||||||
| XXXXXX-392 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-393 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2025-08-18 11:01 | 2025-08-22 15:23 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 Open-The (14.49%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (4.32%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) APR entries correct in related fields - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5214257 | ||||||||
| XXXXXX-394 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-08-18 01:28 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/18/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace Period entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5206903 | ||||||||
| XXXXXX-394 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-08-18 01:28 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/18/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5206901 | ||||||||
| XXXXXX-395 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-08-18 01:50 | 2025-08-27 07:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-now present - Due Diligence Vendor-08/27/2025 Ready for Review-Document Uploaded. - Seller-08/26/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-08/18/2025 |
Ready for Review-Document Uploaded. - Seller-08/26/2025 | Resolved-now present - Due Diligence Vendor-08/27/2025 | [Redacted] | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5206969 | ||||||
| XXXXXX-396 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-397 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-08-18 05:45 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/18/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace period entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5208083 | ||||||||
| XXXXXX-397 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-08-18 05:45 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/18/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5208081 | ||||||||
| XXXXXX-398 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-399 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-400 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-401 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-402 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-08-18 01:48 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5206959 | ||||||||
| XXXXXX-402 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-08-18 01:48 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5206961 | ||||||||
| XXXXXX-403 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-404 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-405 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-406 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-407 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-408 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-409 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-410 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-411 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-412 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-413 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-08-18 08:01 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace Period entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5210059 | ||||||||
| XXXXXX-413 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-08-18 08:01 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-08/18/2025 Open- - Due Diligence Vendor-08/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5210057 | ||||||||
| XXXXXX-414 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-415 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-08-19 01:28 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/20/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5223473 | ||||||||
| XXXXXX-415 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-08-19 01:28 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/20/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5223474 | ||||||||
| XXXXXX-416 | D | D | A | A | A | A | D | D | Closed | FPRO7549 | 2026-07-07 13:48 | 2026-07-07 13:48 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post-close value of 706000 did not support origination value. - Due Diligence Vendor-07/07/2026 | Acknowledged-Post-close value of 706000 did not support origination value. - Due Diligence Vendor-07/07/2026 | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 10103351 | ||||||||
| XXXXXX-417 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-418 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-419 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2025-08-19 05:20 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/20/2025 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5224352 | ||||||||
| XXXXXX-420 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2025-08-19 07:16 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/20/2025 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) Late charge entries validated from Note Document - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5225733 | ||||||||
| XXXXXX-421 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-08-18 22:40 | 2025-08-27 07:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-now present - Due Diligence Vendor-08/27/2025 Ready for Review-Document Uploaded. - Seller-08/26/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-08/19/2025 |
Ready for Review-Document Uploaded. - Seller-08/26/2025 | Resolved-now present - Due Diligence Vendor-08/27/2025 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5222977 | ||||||
| XXXXXX-422 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2025-08-18 23:34 | 2025-08-22 15:23 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open-The (12.74%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (4.32%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) Late charge entries validated from Note Document - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5223160 | ||||||||
| XXXXXX-423 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-424 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-425 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-426 | D | B | D | B | D | A | A | A | Closed | FCRE1145 | 2025-08-19 06:23 | 2025-09-08 11:28 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Title Document Missing | Acknowledged-Lender provided SoftPro commitment to confirm Title clear to close but since loan was just originated in July 2025 no preliminary commitment provided. Loan is graded a B as a caution since we cannot confirm title commitment. - Due Diligence Vendor-09/08/2025 Resolved-Title Document is fully Present - Due Diligence Vendor-09/08/2025 Open-Title Document is missing Please provide Title Report as it is missing in File and loan amount is >[Redacted] which is $131440.6 - Due Diligence Vendor-08/19/2025 |
For the second loan - we've not yet received FTP given its within 90 days. So please see voluntary-involuntary lien report attached and a screenshot of the clear-to-close XML response from the title provider. - 09/08/2025 |
Acknowledged-Lender provided SoftPro commitment to confirm Title clear to close but since loan was just originated in July 2025 no preliminary commitment provided. Loan is graded a B as a caution since we cannot confirm title commitment. - Due Diligence Vendor-09/08/2025 Resolved-Title Document is fully Present - Due Diligence Vendor-09/08/2025 |
[Redacted] | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | 5224956 | |||||||
| XXXXXX-426 | D | B | D | B | D | A | A | A | Closed | FCOM4283 | 2025-08-19 06:09 | 2025-08-27 07:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-now present - Due Diligence Vendor-08/27/2025 Ready for Review-Document Uploaded. - Seller-08/26/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-08/19/2025 |
Ready for Review-Document Uploaded. - Seller-08/26/2025 | Resolved-now present - Due Diligence Vendor-08/27/2025 | [Redacted] | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5224818 | ||||||
| XXXXXX-427 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-428 | C | A | A | A | C | A | A | A | Closed | 1030-350 | 2025-08-26 23:09 | 2025-08-28 08:58 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/28/2025 Open- - Due Diligence Vendor-08/28/2025 Open- - Due Diligence Vendor-08/28/2025 Open- - Due Diligence Vendor-08/27/2025 Open-Under the [Redacted] Fair Lending Act, a late fee on a home loan may not exceed 5% of the late payment. ([Redacted] Code 7-6A-3(3)) Late charge entries validated from Note Document - Due Diligence Vendor-08/27/2025 Open- - Due Diligence Vendor-08/27/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/28/2025 |
[Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5328267 | ||||||||
| XXXXXX-429 | D | D | A | A | D | A | D | D | Closed | FPRO7549 | 2026-07-07 13:50 | 2026-07-07 13:50 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post close value of 241000 did not support origination value. - Due Diligence Vendor-07/07/2026 | Acknowledged-Post close value of 241000 did not support origination value. - Due Diligence Vendor-07/07/2026 | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 10103382 | ||||||||
| XXXXXX-429 | D | D | A | A | D | A | D | D | Closed | FCOM4283 | 2025-08-19 01:18 | 2025-08-27 07:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-now present - Due Diligence Vendor-08/27/2025 Ready for Review-Document Uploaded. - Seller-08/26/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-08/19/2025 |
Ready for Review-Document Uploaded. - Seller-08/26/2025 | Resolved-now present - Due Diligence Vendor-08/27/2025 | [Redacted] | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5223455 | ||||||
| XXXXXX-429 | D | D | A | A | D | A | D | D | Closed | 1140-450 | 2025-08-19 01:17 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. Late charge entries validated from Note Document - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5223453 | ||||||||
| XXXXXX-430 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-431 | C | C | C | C | A | A | A | A | Closed | FCRE9592 | 2025-08-19 02:54 | 2026-07-21 18:07 | Acknowledged | 3 - Material | C | C | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Acknowledged-lender acknowledges the lien position by TPR as accurate. - Due Diligence Vendor-09/02/2025 Ready for Review-Acknowledged. CLTV is still within the policy guidelines - Seller-08/29/2025 Open-TPR found new HELOC to be in 3rd Position. There was another mortgage on credit for [Redacted] that was also found on title not included by lender. Lien position was 2. - Due Diligence Vendor-08/19/2025 |
Ready for Review-Acknowledged. CLTV is still within the policy guidelines - Seller-08/29/2025 | Acknowledged-lender acknowledges the lien position by TPR as accurate. - Due Diligence Vendor-09/02/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 5223707 | |||||||
| XXXXXX-431 | C | C | C | C | A | A | A | A | Closed | FCRE4866 | 2025-08-19 02:49 | 2025-08-27 07:22 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-Lender has reviewed TPR calculations are LTV is well within guidelines. they are ok with our calculations. resolved with lender comments - Due Diligence Vendor-08/27/2025 Ready for Review-CLTV is still within the policy guidelines - Seller-08/26/2025 Open-TPR Calculated [Redacted] which is not matching with Originator [Redacted]. (First lien balance of $[Redacted]+ Second lien balance of $[Redacted]+ Loan Amount of $[Redacted]= [Redacted]/ Value of $ [Redacted] - Due Diligence Vendor-08/19/2025 |
Ready for Review-CLTV is still within the policy guidelines - Seller-08/26/2025 | Resolved-Lender has reviewed TPR calculations are LTV is well within guidelines. they are ok with our calculations. resolved with lender comments - Due Diligence Vendor-08/27/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5223686 | |||||||
| XXXXXX-432 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-433 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-08-19 00:55 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5223375 | ||||||||
| XXXXXX-433 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-08-19 00:55 | 2025-08-22 14:38 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 Open- - Due Diligence Vendor-08/19/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Entries correct in related fields - Due Diligence Vendor-08/19/2025 Open- - Due Diligence Vendor-08/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/22/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5223376 | ||||||||
| XXXXXX-434 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-435 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-436 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-08-19 06:38 | 2025-08-27 07:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-now present - Due Diligence Vendor-08/27/2025 Ready for Review-Document Uploaded. - Seller-08/26/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-08/19/2025 |
Ready for Review-Document Uploaded. - Seller-08/26/2025 | Resolved-now present - Due Diligence Vendor-08/27/2025 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5225192 | ||||||
| XXXXXX-437 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-438 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-439 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-440 | C | A | A | A | C | A | A | A | Closed | 1030-350 | 2025-08-26 23:51 | 2025-08-28 08:58 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/28/2025 Open- - Due Diligence Vendor-08/28/2025 Open- - Due Diligence Vendor-08/28/2025 Open- - Due Diligence Vendor-08/27/2025 Open-Under the [Redacted] Fair Lending Act, a late fee on a home loan may not exceed 5% of the late payment. ([Redacted] Code 7-6A-3(3)) Late charge entries validated from Note Document - Due Diligence Vendor-08/27/2025 Open- - Due Diligence Vendor-08/27/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-08/28/2025 |
[Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5328400 | ||||||||
| XXXXXX-441 | A | A | A | A | A | A | A | A | A | A | [Redacted] | ND | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-442 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-443 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-444 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-445 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-446 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-447 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-448 | D | C | D | C | A | A | A | A | Closed | FCRE9592 | 2025-08-19 00:03 | 2026-07-21 16:38 | Acknowledged | 3 - Material | C | C | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Acknowledged-lender acknowledges TPR Lien position to be accurate - Due Diligence Vendor-09/02/2025 Ready for Review-Acknowledged - Seller-08/29/2025 Open-TPR found new HELOC to be in 3rd Position. There was another mortgage on credit for $833,453 that was also found on title not included by lender. Lien position was 2 - Due Diligence Vendor-08/19/2025 |
Ready for Review-Acknowledged - Seller-08/29/2025 | Acknowledged-lender acknowledges TPR Lien position to be accurate - Due Diligence Vendor-09/02/2025 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 5223247 | |||||||
| XXXXXX-448 | D | C | D | C | A | A | A | A | Closed | FCRE1195 | 2025-08-19 13:15 | 2025-09-02 07:51 | Acknowledged | 3 - Material | C | C | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-lender acknowledges TPR CLTV as accurate. Exceeds max allowed of 85% this is graded C - Due Diligence Vendor-09/02/2025 Ready for Review-Acknowledged - Seller-08/29/2025 Open-Audited CLTV of % TPR Calculated CLTV is [Redacted]% exceeds max allowed of 85%. (First lien balance of $[Redacted]+ Second lien balance of $[Redacted]+ loan amount of $[Redacted]= $[Redacted]/ Value of $[Redacted] - Due Diligence Vendor-08/19/2025 |
Ready for Review-Acknowledged - Seller-08/29/2025 | Acknowledged-lender acknowledges TPR CLTV as accurate. Exceeds max allowed of 85% this is graded C - Due Diligence Vendor-09/02/2025 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 5238033 | |||||||
| XXXXXX-448 | D | C | D | C | A | A | A | A | Closed | FCRE1145 | 2025-08-18 23:27 | 2025-08-27 07:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-now present - Due Diligence Vendor-08/27/2025 Ready for Review-Document Uploaded. - Seller-08/26/2025 Open-Title Document is missing Please provide Title Report as it is missing in File and loan amount is >[Redacted] which is $250,000. - Due Diligence Vendor-08/19/2025 |
Ready for Review-Document Uploaded. - Seller-08/26/2025 | Resolved-now present - Due Diligence Vendor-08/27/2025 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5223106 | ||||||
| XXXXXX-449 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-450 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-08-19 00:52 | 2025-08-27 07:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-08/27/2025 Resolved-title is now present - Due Diligence Vendor-08/27/2025 Ready for Review-Document Uploaded. - Seller-08/26/2025 Open-Title Document is missing Please provide Title Report as it is missing in File and loan amount is >[Redacted] which is $186,500. - Due Diligence Vendor-08/19/2025 |
Ready for Review-Document Uploaded. - Seller-08/26/2025 | Resolved-Title Document is fully Present - Due Diligence Vendor-08/27/2025 Resolved-title is now present - Due Diligence Vendor-08/27/2025 |
[Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5223360 | ||||||
| XXXXXX-451 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-452 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2025-08-19 09:43 | 2025-09-04 05:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-lender comments resolve findings. They only have the work # for B2, as that is primary borrower since verified income. B1 is considered stated by TPR and graded as such - Due Diligence Vendor-09/04/2025 Ready for Review-B2 Income is greater than the B1, so that will be the primary borrower. B2 income is already verified via Worknumber. See the attached file for B2 Income Worknumber. $123,166.61 - Seller-09/03/2025 Counter-this is not for B1. we need income docs used for B1 - Due Diligence Vendor-08/27/2025 Ready for Review-Document Uploaded. B2 Income is greater than the B1. B2 income verified via Worknumber. See the attached file for B2 Income Worknumber. $123,166.61 - Seller-08/26/2025 Open-Please provide Borrower 1 income documentation as it is missing in File and Originator Income verification is Work Number. - Due Diligence Vendor-08/19/2025 |
Ready for Review-B2 Income is greater than the B1, so that will be the primary borrower. B2 income is already verified via Worknumber. See the attached file for B2 Income Worknumber. $123,166.61 - Seller-09/03/2025 Ready for Review-Document Uploaded. B2 Income is greater than the B1. B2 income verified via Worknumber. See the attached file for B2 Income Worknumber. $123,166.61 - Seller-08/26/2025 |
Resolved-lender comments resolve findings. They only have the work # for B2, as that is primary borrower since verified income. B1 is considered stated by TPR and graded as such - Due Diligence Vendor-09/04/2025 | [Redacted] | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5231586 | ||||||
| XXXXXX-453 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-100 | D | D | A | A | A | A | D | D | Closed | FPRO7549 | 2025-10-30 15:40 | 2025-10-30 17:43 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post-Close value of 158000 did not support origination value. - Due Diligence Vendor-10/30/2025 | Acknowledged-Post-Close value of 158000 did not support origination value. - Due Diligence Vendor-10/30/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 6075976 | ||||||||
| XXXXXX-101 | D | D | A | A | C | A | D | D | Closed | FPRO7549 | 2025-10-31 12:09 | 2025-11-05 09:49 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post-close BPO of $475000 did not support value - Due Diligence Vendor-11/05/2025 Open-Post closing BPO still pending - Due Diligence Vendor-10/31/2025 |
Acknowledged-Post-close BPO of $475000 did not support value - Due Diligence Vendor-11/05/2025 | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 6086183 | ||||||||
| XXXXXX-101 | D | D | A | A | C | A | D | D | Closed | 60620-68890 | 2025-10-08 05:26 | 2025-10-09 17:44 | Resolved | 1 - Information | C | A | Compliance | Predatory:DocType | [Redacted] - Documentation Type (Home Loan)(07/09) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-10/09/2025 Open- - Due Diligence Vendor-10/08/2025 Open-The [Redacted] Home Loan Protection Act requires Full documentation of a "home loan." ([Redacted] Stat. Ann. 58-21A-4(C)) Entries correct in related fields - Due Diligence Vendor-10/08/2025 Open- - Due Diligence Vendor-10/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-10/09/2025 |
[Redacted] | NM | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5816572 | ||||||||
| XXXXXX-454 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-455 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-17 02:27 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Missing Deed of Trust - Due Diligence Vendor-11/17/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6267728 | ||||||||
| XXXXXX-456 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2025-11-17 03:00 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6267894 | ||||||||
| XXXXXX-457 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-458 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-459 | C | A | A | A | C | A | A | A | Closed | 1270-56390 | 2025-11-14 22:48 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-The [Redacted] Industrial Loan and Thrift Companies Act limits the late fee to the greater of 5% or ($15.00). (T.C.A. 45-5-301(3); 45-5-403) - Due Diligence Vendor-11/15/2025 Open- - Due Diligence Vendor-11/15/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6262737 | ||||||||
| XXXXXX-460 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-14 23:27 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Missing Deed of Trust - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6262779 | ||||||||
| XXXXXX-461 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-462 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 00:26 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Missing Deed of Trust - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6262838 | ||||||||
| XXXXXX-462 | D | A | A | A | D | A | A | A | Closed | 17920-23650 | 2025-11-15 00:25 | 2025-11-19 11:13 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-The (15.24%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (4.3%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-11/15/2025 Open- - Due Diligence Vendor-11/15/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6262837 | ||||||||
| XXXXXX-463 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-464 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-465 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-466 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-14 21:17 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Deed of Trust is missing in file. - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6262615 | ||||||||
| XXXXXX-467 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-468 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-469 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-470 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-471 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-472 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-473 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-474 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-475 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 05:10 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents. - Due Diligence Vendor-11/19/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6300913 | ||||||||
| XXXXXX-476 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2025-11-19 06:22 | 2025-12-05 09:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/05/2025 Resolved-taxes now present - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. See Tax History in the attached file - Seller-12/05/2025 Open-Missing Evidence of Property Tax Please provide supporting documentation to verify tax amount as unable to verify the same from property Report - Due Diligence Vendor-11/19/2025 |
Ready for Review-Document Uploaded. See Tax History in the attached file - Seller-12/05/2025 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/05/2025 Resolved-taxes now present - Due Diligence Vendor-12/05/2025 |
[Redacted] | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6301683 | ||||||
| XXXXXX-477 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-478 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-479 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-480 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-481 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-482 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-483 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 03:37 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Missing Deed of Trust - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6263081 | ||||||||
| XXXXXX-483 | D | A | A | A | D | A | A | A | Closed | 1140-450 | 2025-11-15 03:36 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. - Due Diligence Vendor-11/15/2025 Open- - Due Diligence Vendor-11/15/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | ME | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6263078 | ||||||||
| XXXXXX-484 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-485 | C | A | C | A | A | A | A | A | Closed | FCRE4866 | 2025-11-23 21:49 | 2025-12-05 09:54 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-lender provided proof that subject lien is in second position - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. $[Redacted] lien found has been released, see Prior Loan History - Seller-12/05/2025 Open-TPR Calculated [Redacted] which is not matching with Originator [Redacted](First lien balance of $[Redacted] Second lien balance of $0 on credit but title shows [Redacted]+ Loan Amount of $[Redacted]= [Redacted]/ Value of $ [Redacted] - Due Diligence Vendor-11/24/2025 |
Ready for Review-Document Uploaded. $26k lien found has been released, see Prior Loan History - Seller-12/05/2025 |
Resolved-lender provided proof that subject lien is in second position - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6357245 | ||||||
| XXXXXX-485 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2025-11-24 10:35 | 2025-12-05 09:54 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-lender provided proof that subject lien is in second position - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. $26k lien found has been released, see Prior Loan History - Seller-12/05/2025 Open-There is another open mortgage with loan amount $26539 in title search which looks to be a down payment assist lien. So puts our lien in 3rd position, - Due Diligence Vendor-11/24/2025 |
Ready for Review-Document Uploaded. $26k lien found has been released, see Prior Loan History - Seller-12/05/2025 |
Resolved-lender provided proof that subject lien is in second position - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6366951 | ||||||
| XXXXXX-486 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-487 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-488 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-489 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-490 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-491 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-492 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-493 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 01:48 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Deed of Trust is missing in file. - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6262927 | ||||||||
| XXXXXX-494 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 22:54 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6315342 | ||||||||
| XXXXXX-495 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-496 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-497 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2025-11-17 05:40 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/17/2025 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6269174 | ||||||||
| XXXXXX-498 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-499 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-500 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-501 | D | A | A | A | D | A | D | A | Closed | FCOM4283 | 2025-11-15 05:59 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6263331 | ||||||||
| XXXXXX-501 | D | A | A | A | D | A | D | A | Closed | FPRO1242 | 2025-11-16 00:24 | 2025-12-05 10:53 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Value - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. [Redacted] AVM used, see attached file for full details - Seller-12/05/2025 Open-Please provide complete Valuation document as provided value analysis report is invalid. As of now, considered property value from tape data for CLTV calculation. - Due Diligence Vendor-11/16/2025 |
Ready for Review-Document Uploaded. [Redacted] AVM used, see attached file for full details - Seller-12/05/2025 |
Resolved-Received Value - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6264724 | ||||||
| XXXXXX-501 | D | A | A | A | D | A | D | A | Closed | FCRE4866 | 2025-11-15 06:01 | 2025-11-17 10:53 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 Open-TPR Calculated CLTV is [Redacted] which is not matching with Originator CLTV is [Redacted]%. (First lien balance of $0+ Second lien balance of $0+ Loan Amount of $[Redacted]= [Redacted] / Value of $ [Redacted] - Due Diligence Vendor-11/15/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6263335 | ||||||||
| XXXXXX-502 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-503 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-504 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-505 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-506 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-16 22:38 | 2025-12-05 13:30 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Open- - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/17/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/17/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6266793 | ||||||||
| XXXXXX-506 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-16 22:38 | 2025-12-05 13:29 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Open- - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/17/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/17/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6266792 | ||||||||
| XXXXXX-507 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-508 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-509 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-510 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-511 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-512 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-513 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 05:13 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6263247 | ||||||||
| XXXXXX-513 | D | A | A | A | D | A | A | A | Closed | FCRE4866 | 2025-11-15 05:20 | 2025-11-17 09:31 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. (First lien balance of $0+ Second lien balance of $0+ Loan Amount of $[Redacted]= [Redacted] / Value of $ [Redacted] - Due Diligence Vendor-11/15/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 11/17/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6263270 | |||||||
| XXXXXX-514 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-515 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-516 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2025-11-24 23:47 | 2025-12-16 05:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-b2 changed to stated. Plaid was verified and provided for B1 - Due Diligence Vendor-12/16/2025 Open-Borrower 2 income documents are missing in file and originator states verified. provide income document - Due Diligence Vendor-11/25/2025 |
Resolved-b2 changed to stated. Plaid was verified and provided for B1 - Due Diligence Vendor-12/16/2025 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6377257 | |||||||
| XXXXXX-517 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-518 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-519 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-17 06:06 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/17/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6269467 | ||||||||
| XXXXXX-519 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-17 06:06 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/17/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6269468 | ||||||||
| XXXXXX-520 | C | C | C | C | A | A | A | A | Closed | FCRE2994 | 2025-11-17 08:22 | 2025-12-09 07:36 | Acknowledged | 3 - Material | C | C | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Acknowledged-Aven acknowledges DTI does not meet criteria. - Due Diligence Vendor-12/09/2025 Ready for Review-Acknowledged. The DTI limiter was not a part of the guidelines at the time of origination of this account and this criteria got added later in the DK agreement - Seller-12/08/2025 Open-Qualifying FICO 678 falls between 640 and 679 and 640 is the minimum FICO, calculated DTI 52.32% is exceeding maximum DTI of 50% - Due Diligence Vendor-11/17/2025 |
Ready for Review-Acknowledged. The DTI limiter was not a part of the guidelines at the time of origination of this account and this criteria got added later in the DK agreement - Seller-12/08/2025 | Acknowledged-Aven acknowledges DTI does not meet criteria. - Due Diligence Vendor-12/09/2025 | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 6271865 | |||||||
| XXXXXX-521 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-522 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-523 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-524 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-525 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-526 | D | A | D | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 06:50 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6263406 | ||||||||
| XXXXXX-526 | D | A | D | A | D | A | A | A | Closed | FCRE1152 | 2025-11-15 06:26 | 2025-12-05 09:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-tax cert now present - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. - Seller-12/05/2025 Open-Missing Evidence of Property Tax Please provide supporting documentation to verify tax amount as unable to verify the same from property Report - Due Diligence Vendor-11/15/2025 |
Ready for Review-Document Uploaded. - Seller-12/05/2025 | Resolved-tax cert now present - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6263373 | ||||||
| XXXXXX-526 | D | A | D | A | D | A | A | A | Closed | FCRE4866 | 2025-11-15 06:50 | 2025-11-17 09:08 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 Open-TPR Calculated CLTV is [Redacted] which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-11/15/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 11/17/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6263405 | |||||||
| XXXXXX-527 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-16 23:33 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/17/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6267054 | ||||||||
| XXXXXX-527 | D | A | A | A | D | A | A | A | Closed | 1140-450 | 2025-11-16 23:32 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/17/2025 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. Late charge entries validated from Note Document - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | ME | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6267049 | ||||||||
| XXXXXX-528 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-21 04:00 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Deed of Trust is missing in file. - Due Diligence Vendor-11/21/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6336849 | ||||||||
| XXXXXX-528 | D | A | A | A | D | A | A | A | Closed | 1140-450 | 2025-11-21 03:09 | 2025-11-24 09:55 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/24/2025 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/24/2025 |
[Redacted] | ME | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6336583 | ||||||||
| XXXXXX-529 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-530 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-18 22:56 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/19/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6298814 | ||||||||
| XXXXXX-531 | A | A | A | A | A | A | A | A | A | A | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-532 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-533 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-534 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-535 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-17 01:46 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/17/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6267581 | ||||||||
| XXXXXX-535 | D | A | A | A | D | A | A | A | Closed | 56820-60920 | 2025-11-17 01:45 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (MLILCPA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/17/2025 Open-Under the [Redacted] Mortgage Licensing Act, a late fee cannot exceed the greater of 10% of the payment or $20.00. (7[Redacted]Stat. 6125) Late charge entries validated from Note Document - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6267575 | ||||||||
| XXXXXX-536 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-537 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 07:29 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | SD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6263500 | ||||||||
| XXXXXX-537 | D | A | A | A | D | A | A | A | Closed | FCRE4866 | 2025-11-15 07:28 | 2025-11-21 15:45 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/21/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. (F[Redacted] - Due Diligence Vendor-11/15/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 11/21/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/21/2025 | [Redacted] | SD | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6263499 | |||||||
| XXXXXX-538 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-539 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-540 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-541 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-542 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-543 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-544 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-545 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-17 10:00 | 2025-11-19 12:05 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6274239 | ||||||||
| XXXXXX-545 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-17 10:00 | 2025-11-19 12:05 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace period entries validated from Note Document - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6274240 | ||||||||
| XXXXXX-546 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-547 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NE | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-548 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2025-11-16 23:28 | 2025-11-19 11:13 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/17/2025 Open-The (15.24%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (4.26%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) Interest Rate 15.24% verified from Note document - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6267029 | ||||||||
| XXXXXX-549 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 10:16 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6263798 | ||||||||
| XXXXXX-550 | C | A | C | A | C | A | A | A | Closed | 8660-13480 | 2025-11-17 00:03 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/17/2025 Open-[Redacted]'s Late Charge Provisions prohibit a late fee exceeding 5% of the delinquent installment.([Redacted] Rev. Stat. Sec. 86.165) Late charge entries validated from Note Document - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6267188 | ||||||||
| XXXXXX-550 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2025-11-16 23:42 | 2025-11-19 08:05 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Document Uploaded. now present - Due Diligence Vendor-11/19/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-11/17/2025 |
Resolved-Document Uploaded. now present - Due Diligence Vendor-11/19/2025 | [Redacted] | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6267109 | |||||||
| XXXXXX-551 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-552 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-553 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-554 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-17 02:02 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/17/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6267648 | ||||||||
| XXXXXX-554 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-17 02:02 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Entries correct in related fields - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6267649 | ||||||||
| XXXXXX-555 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-556 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-557 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-558 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NE | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-559 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-11-19 23:40 | 2025-12-05 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025 Resolved-Received title policy - Due Diligence Vendor-12/05/2025 Open-Title Document is missing Please provide Title Report as it is missing in File and loan amount is >[Redacted] which is $150,000. - Due Diligence Vendor-11/20/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025 Resolved-Received title policy - Due Diligence Vendor-12/05/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6315561 | ||||||||
| XXXXXX-560 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2025-11-20 00:10 | 2025-12-05 09:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/05/2025 Resolved-tax cert now present - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. - Seller-12/05/2025 Open-Missing Evidence of Property Tax Please provide supporting documentation to verify tax amount as unable to verify the same from property Report - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. - Seller-12/05/2025 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/05/2025 Resolved-tax cert now present - Due Diligence Vendor-12/05/2025 |
[Redacted] | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6315767 | ||||||
| XXXXXX-561 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-562 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-563 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-564 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-565 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-566 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-20 01:31 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/20/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6316101 | ||||||||
| XXXXXX-567 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-568 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-11-18 23:33 | 2025-11-21 15:40 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/21/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]. - Due Diligence Vendor-11/19/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 11/21/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/21/2025 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299048 | |||||||
| XXXXXX-569 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-570 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-17 03:09 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Deed of trust missing in loan file. - Due Diligence Vendor-11/17/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6267961 | ||||||||
| XXXXXX-571 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-572 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-573 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-574 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-575 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-576 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-577 | C | A | C | A | C | A | A | A | Closed | 8610-13390 | 2025-11-17 22:46 | 2025-11-19 09:55 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved- - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Resolved-"The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. Edit Delete" - Due Diligence Vendor-11/18/2025 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved- - Due Diligence Vendor-11/19/2025 Resolved-"The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. Edit Delete" - Due Diligence Vendor-11/18/2025 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6283575 | ||||||||
| XXXXXX-577 | C | A | C | A | C | A | A | A | Closed | 63420-76210 | 2025-11-17 22:46 | 2025-11-19 09:55 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved- - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Resolved-"The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. Edit Delete" - Due Diligence Vendor-11/18/2025 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($472.27), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved- - Due Diligence Vendor-11/19/2025 Resolved-"The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. Edit Delete" - Due Diligence Vendor-11/18/2025 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6283576 | ||||||||
| XXXXXX-577 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2025-11-17 22:31 | 2025-11-19 08:06 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Document Uploaded. now present - Due Diligence Vendor-11/19/2025 Open-Title Report shows lien release in place but no lien release is present. Please provide Lien Release documentation for the lien amount of $29328. - Due Diligence Vendor-11/18/2025 |
Resolved-Document Uploaded. now present - Due Diligence Vendor-11/19/2025 | [Redacted] | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6283507 | |||||||
| XXXXXX-578 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-579 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 11:35 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6263941 | ||||||||
| XXXXXX-580 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-581 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-17 04:10 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/17/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6268406 | ||||||||
| XXXXXX-582 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2025-11-17 04:25 | 2025-12-05 10:57 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved- - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. [Redacted] AVM used, see attached file for full details - Seller-12/05/2025 Open-Please provide complete Valuation document as it is missing. As of now, considered property value from tape data for CLTV calculation. - Due Diligence Vendor-11/17/2025 |
Ready for Review-Document Uploaded. [Redacted] AVM used, see attached file for full details - Seller-12/05/2025 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6268522 | |||||||
| XXXXXX-583 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 23:11 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/20/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6315403 | ||||||||
| XXXXXX-584 | C | A | A | A | C | A | A | A | Closed | 71590 | 2025-11-17 02:23 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6267712 | ||||||||
| XXXXXX-585 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 12:06 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6263992 | ||||||||
| XXXXXX-585 | D | A | A | A | D | A | A | A | Closed | FCRE4866 | 2025-11-15 12:05 | 2025-11-17 09:32 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-11/15/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 11/17/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6263990 | |||||||
| XXXXXX-586 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-587 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-17 10:24 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/17/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6274902 | ||||||||
| XXXXXX-588 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 00:37 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/19/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299364 | ||||||||
| XXXXXX-589 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-590 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-20 01:10 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/20/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6316027 | ||||||||
| XXXXXX-591 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-592 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2025-11-18 04:24 | 2025-12-05 09:57 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-proof first lien is on title and making this one second position - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. $[Redacted] lien is active, see attached file for full details - Seller-12/05/2025 Open-Lien amount of $[Redacted] that it is closed and last payment date is on [Redacted] in soft pull , and credit report also reflecting closed status, however mortgage open date is [Redacted], 30 years term and title reflecting lien position 1 - Due Diligence Vendor-11/18/2025 |
Ready for Review-Document Uploaded. $[Redacted] lien is active, see attached file for full details - Seller-12/05/2025 |
Resolved-proof first lien is on title and making this one second position - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6285309 | ||||||
| XXXXXX-592 | C | A | C | A | A | A | A | A | Closed | 60620-68890 | 2025-11-18 04:21 | 2025-11-19 10:58 | Resolved | 1 - Information | A | A | Compliance | Predatory:DocType | [Redacted] - Documentation Type (Home Loan)(07/09) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Rescinded-na - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-The [Redacted] Home Loan Protection Act requires Full documentation of a "home loan." ([Redacted] Stat. Ann. 58-21A-4(C)) - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Rescinded-na - Due Diligence Vendor-11/19/2025 |
[Redacted] | NM | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6285275 | ||||||||
| XXXXXX-593 | C | A | A | A | C | A | A | A | Closed | 890-210 | 2025-11-19 10:00 | 2025-11-19 11:19 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (DRE) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open-The ($29.00) late fee amount or (0.0%) late fee percent exceed the [Redacted] Real Estate Law threshold. Under the [Redacted] Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. ([Redacted] Bus. & Prof. Code 10242.5) - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6306576 | ||||||||
| XXXXXX-594 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2025-11-17 21:43 | 2025-11-19 10:02 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved- - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved- - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6283340 | ||||||||
| XXXXXX-595 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-596 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-597 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-598 | A | A | A | A | A | A | A | A | A | A | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-599 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2025-11-17 03:08 | 2025-11-19 10:05 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved- - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved- - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 |
[Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6267956 | ||||||||
| XXXXXX-600 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-601 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-602 | D | A | D | A | D | A | A | A | Closed | FCOM4283 | 2025-11-20 03:38 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/20/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6316678 | ||||||||
| XXXXXX-602 | D | A | D | A | D | A | A | A | Closed | FCRE1152 | 2025-11-20 03:40 | 2025-12-05 09:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/05/2025 Resolved-tax cert now present - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. - Seller-12/05/2025 Open-Missing Evidence of Property Tax Please provide supporting documentation to verify tax amount as unable to verify the same from property Report - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. - Seller-12/05/2025 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/05/2025 Resolved-tax cert now present - Due Diligence Vendor-12/05/2025 |
[Redacted] | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6316690 | ||||||
| XXXXXX-603 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-604 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2025-11-17 11:08 | 2025-11-19 08:11 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Document Uploaded. now present - Due Diligence Vendor-11/19/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-11/17/2025 |
Resolved-Document Uploaded. now present - Due Diligence Vendor-11/19/2025 | [Redacted] | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6276127 | |||||||
| XXXXXX-604 | C | A | C | A | C | A | A | A | Closed | 60620-68890 | 2025-11-17 11:32 | 2025-11-18 09:43 | Resolved | 1 - Information | C | A | Compliance | Predatory:DocType | [Redacted] - Documentation Type (Home Loan)(07/09) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open-The [Redacted] Home Loan Protection Act requires Full documentation of a "home loan." ([Redacted] Stat. Ann. 58-21A-4(C)) Entries correct in related fields - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 |
[Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6276636 | ||||||||
| XXXXXX-605 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-606 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-607 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-608 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-17 20:41 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/18/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6283165 | ||||||||
| XXXXXX-609 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-610 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-11-17 22:06 | 2025-12-05 11:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025 Resolved-Received short term policy - Due Diligence Vendor-12/05/2025 Open-Title Document is missing Please provide Title Report as it is missing in File and loan amount is >$[Redacted] which is $[Redacted]. - Due Diligence Vendor-11/18/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025 Resolved-Received short term policy - Due Diligence Vendor-12/05/2025 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6283429 | ||||||||
| XXXXXX-611 | D | A | C | A | D | A | A | A | Closed | FCOM4283 | 2025-11-17 22:51 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/18/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6283599 | ||||||||
| XXXXXX-611 | D | A | C | A | D | A | A | A | Closed | FCRE6399 | 2025-11-17 22:34 | 2025-11-19 08:13 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Document Uploaded. now present - Due Diligence Vendor-11/19/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-11/18/2025 |
Resolved-Document Uploaded. now present - Due Diligence Vendor-11/19/2025 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6283519 | |||||||
| XXXXXX-612 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-11-19 01:07 | 2025-11-20 12:17 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/20/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]. - Due Diligence Vendor-11/19/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/20/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6299496 | ||||||||
| XXXXXX-613 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-11-16 05:45 | 2025-11-18 11:35 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/18/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is[Redacted]%. ([Redacted] - Due Diligence Vendor-11/16/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/18/2025 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6264928 | ||||||||
| XXXXXX-614 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-615 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-616 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-617 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-618 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-17 01:48 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6267593 | ||||||||
| XXXXXX-618 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-17 01:48 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6267594 | ||||||||
| XXXXXX-619 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-620 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-621 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2025-11-19 22:43 | 2025-12-05 09:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-tax cert now present - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. - Seller-12/05/2025 Open-Missing Evidence of Property Tax Please provide supporting documentation to verify tax amount as unable to verify the same from property Report - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. - Seller-12/05/2025 | Resolved-tax cert now present - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6315301 | ||||||
| XXXXXX-622 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-623 | A | A | A | A | A | A | A | A | A | A | [Redacted] | ID | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-624 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-625 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-626 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2025-11-16 07:18 | 2025-12-05 09:45 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Open- - Due Diligence Vendor-12/05/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/17/2025 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) Late charge entries validated from Note Document - Due Diligence Vendor-11/16/2025 Open- - Due Diligence Vendor-11/16/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6265065 | ||||||||
| XXXXXX-626 | C | A | A | A | C | A | A | A | Closed | FCRE4866 | 2025-11-16 07:20 | 2025-11-18 13:19 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/18/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-11/16/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/18/2025 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6265078 | ||||||||
| XXXXXX-627 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-628 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 05:52 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/19/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6301298 | ||||||||
| XXXXXX-628 | D | A | A | A | D | A | A | A | Closed | FCRE4866 | 2025-11-19 05:53 | 2025-11-20 12:18 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/20/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]) - Due Diligence Vendor-11/19/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/20/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6301308 | ||||||||
| XXXXXX-629 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-17 20:58 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Deed of Trust is missing in file. - Due Diligence Vendor-11/18/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6283207 | ||||||||
| XXXXXX-630 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-631 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-632 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-633 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-634 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-635 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-636 | B | A | B | A | A | A | A | A | Closed | FCRE2021 | 2025-11-20 03:23 | 2025-12-09 06:49 | Resolved | 1 - Information | B | A | Credit | Debt | Verified DTI varies from Qualifying DTI by greater than 5% | Resolved-lender calculation provided and DTI now aligns. - Due Diligence Vendor-12/09/2025 Ready for Review-The tape shows POSTLINE_DTI = 33.44% and POSTLINE_DTI_DERIVED_INCOME = 42.15%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-12/08/2025 Open-TPR calculated DTI is 52.73 not matching with lender DTI 42.15% which is >5% - does not appear that the first lien mortgage on subject property payment was not included since it is not reported on credit. Need lender to clarify what calculations they used and specify how much you used for the first lien payment. Cannot use an attribute amount on credit as it does not include 1 st lien payment - Due Diligence Vendor-11/20/2025 |
Ready for Review-The tape shows POSTLINE_DTI = 33.44% and POSTLINE_DTI_DERIVED_INCOME = 42.15%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-12/08/2025 | Resolved-lender calculation provided and DTI now aligns. - Due Diligence Vendor-12/09/2025 | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6316608 | |||||||
| XXXXXX-637 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-16 04:55 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/16/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6264868 | ||||||||
| XXXXXX-637 | D | A | A | A | D | A | A | A | Closed | FCRE4866 | 2025-11-16 04:56 | 2025-11-18 09:58 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/18/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-11/16/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 11/18/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/18/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6264869 | |||||||
| XXXXXX-638 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-639 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-640 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-641 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-642 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-18 00:10 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/18/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6284005 | ||||||||
| XXXXXX-642 | D | A | A | A | D | A | A | A | Closed | 1120 | 2025-11-18 00:09 | 2025-11-18 10:17 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open-Under the [Redacted] Residential Mortgage Lending Act the late fee cannot exceed 5% of the past due payment. ([Redacted] Rev. Stat. Ann. 6:1097(B)(2)) Late charge entries validated from Note Document - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 |
[Redacted] | LA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6284003 | ||||||||
| XXXXXX-643 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-644 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2025-11-18 01:26 | 2025-11-18 10:20 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) Late charge entries validated from Note Document - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 |
[Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6284358 | ||||||||
| XXXXXX-645 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-11-18 01:44 | 2025-12-12 13:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/12/2025 Ready for Review-Document Uploaded. uploaded - Seller-12/12/2025 Open-Title Document is missing Please provide Title Report as it is missing in File and loan amount is >[Redacted] which is $[Redacted] - Due Diligence Vendor-11/18/2025 |
Ready for Review-Document Uploaded. uploaded - Seller-12/12/2025 | Resolved-Title Document is fully Present - Due Diligence Vendor-12/12/2025 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6284427 | ||||||
| XXXXXX-646 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-647 | A | A | A | A | A | A | A | A | A | A | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-648 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-649 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-650 | D | B | C | B | D | A | A | A | Closed | FCRE1254 | 2025-11-17 12:52 | 2025-12-09 06:35 | Acknowledged | 2 - Non-Material | C | B | Credit | Title | Property Title Issue | Acknowledged-lender acknowledges lien position and still qualifies - Due Diligence Vendor-12/09/2025 Ready for Review-Acknowledged, CLTV is still within the policy guidelines - Seller-12/08/2025 Open-Lien position is 2 as mortgage showing on credit was taken out on the [Redacted] prior to the recording date of the sale [Redacted]) on CL Transaction history. CLTV now matches tape data. - Due Diligence Vendor-11/17/2025 |
Ready for Review-Acknowledged, CLTV is still within the policy guidelines - Seller-12/08/2025 | Acknowledged-lender acknowledges lien position and still qualifies - Due Diligence Vendor-12/09/2025 | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 6278587 | |||||||
| XXXXXX-650 | D | B | C | B | D | A | A | A | Closed | FCOM4283 | 2025-11-16 04:16 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/16/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6264831 | ||||||||
| XXXXXX-651 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-652 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-653 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-654 | C | A | A | A | C | A | A | A | Closed | 940-260 | 2025-11-16 22:05 | 2025-11-19 10:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved- - Due Diligence Vendor-11/19/2025 Resolved-Under Colo. Rev. Stat. § 5-13-106 (Opt-out Law), [Redacted] elected to opt out of DIDMCA. A lawsuit is pending challenging Colo. Rev. Stat. § 5-13-106 on behalf of state chartered banks covered under DIDMCA. The [Redacted] federal district court hearing NAIB, et al v. Weiser, et al., the lawsuit filed by three consumer financial services industry trade groups challenging [Redacted]’s opt-out legislation, has granted the plaintiffs’ motion for preliminary injunction. The preliminary injunction provides that [Redacted] is preliminarily enjoined from enforcing its interest rate and fee limits “with respect to any loan made by the plaintiffs’ members, to the extent the loan is not “made in” [Redacted] and the applicable interest rate in Section 1831d(a) exceeds the rate that would otherwise be permitted.” Therefore, we have not instituted [Redacted] rules at this point and continue to follow our policy with respect to DIDMCA and exportation of rates and Fees applicable in [Redacted] state. Finding is not valid. - Due Diligence Vendor-11/17/2025 Open-You submitted a ($29.00) Late Fee Amount, and a (0.0%) Late Fee Percent. (0.0%) of the unpaid installment is ($22.80). Under the [Redacted] UCCC, the late fee may not exceed 5% on the unpaid amount of the installment. (Colo. Rev. Stat. 5-2-203) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved- - Due Diligence Vendor-11/19/2025 Resolved-Under Colo. Rev. Stat. § 5-13-106 (Opt-out Law), [Redacted] elected to opt out of DIDMCA. A lawsuit is pending challenging Colo. Rev. Stat. § 5-13-106 on behalf of state chartered banks covered under DIDMCA. The [Redacted] federal district court hearing NAIB, et al v. Weiser, et al., the lawsuit filed by three consumer financial services industry trade groups challenging [Redacted]’s opt-out legislation, has granted the plaintiffs’ motion for preliminary injunction. The preliminary injunction provides that [Redacted] is preliminarily enjoined from enforcing its interest rate and fee limits “with respect to any loan made by the plaintiffs’ members, to the extent the loan is not “made in” [Redacted] and the applicable interest rate in Section 1831d(a) exceeds the rate that would otherwise be permitted.” Therefore, we have not instituted [Redacted] rules at this point and continue to follow our policy with respect to DIDMCA and exportation of rates and Fees applicable in [Redacted] state. Finding is not valid. - Due Diligence Vendor-11/17/2025 |
[Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6266613 | ||||||||
| XXXXXX-655 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-656 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-657 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-658 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-659 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-660 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-661 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-662 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-663 | C | A | A | A | C | A | A | A | Closed | 890-210 | 2025-11-18 01:07 | 2025-11-19 10:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (DRE) | Resolved- - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open-The ($29.00) late fee amount or (0.0%) late fee percent exceed the [Redacted] Real Estate Law threshold. Under the [Redacted] Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. ([Redacted] Bus. & Prof. Code 10242.5) - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved- - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 |
[Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6284256 | ||||||||
| XXXXXX-664 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-665 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-666 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-667 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-668 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2025-11-18 04:11 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) Late charge entries validated from Note Document - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6285202 | ||||||||
| XXXXXX-669 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2025-11-18 05:11 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6285686 | ||||||||
| XXXXXX-670 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-20 03:35 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents. - Due Diligence Vendor-11/20/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6316663 | ||||||||
| XXXXXX-671 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-672 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-673 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-674 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-675 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-676 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-677 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-18 00:49 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/18/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6284169 | ||||||||
| XXXXXX-678 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-679 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-11-16 09:45 | 2025-11-18 10:03 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved- TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/18/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-11/16/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 11/18/2025 |
Resolved- TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/18/2025 |
[Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6265376 | |||||||
| XXXXXX-680 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-681 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-682 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-683 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2025-11-19 07:36 | 2025-12-05 10:58 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received value - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. [Redacted] AVM used, see attached file for full details - Seller-12/05/2025 Open-Please provide complete Valuation document as provided value analysis report is invalid. As of now, considered property value from tape data for CLTV calculation. - Due Diligence Vendor-11/19/2025 |
Ready for Review-Document Uploaded. [Redacted] AVM used, see attached file for full details - Seller-12/05/2025 |
Resolved-Received value - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6303071 | ||||||
| XXXXXX-684 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-685 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-686 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-687 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-688 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-689 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-690 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-691 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-692 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-693 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-18 08:04 | 2025-11-19 08:31 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6288290 | ||||||||
| XXXXXX-693 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-18 08:04 | 2025-11-19 08:31 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Entries correct in related fields - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6288291 | ||||||||
| XXXXXX-694 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-695 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2025-11-18 00:33 | 2025-11-19 08:43 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) Late charge entries validated from Note Document - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6284117 | ||||||||
| XXXXXX-696 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-697 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-698 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-18 03:18 | 2025-11-19 12:09 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6284862 | ||||||||
| XXXXXX-698 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-18 03:18 | 2025-11-19 12:09 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) entries validated from Note Document - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6284863 | ||||||||
| XXXXXX-699 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 04:44 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6263202 | ||||||||
| XXXXXX-700 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-701 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-702 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 04:59 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6263225 | ||||||||
| XXXXXX-702 | D | A | A | A | D | A | A | A | Closed | 10000009-Enterprise-Validation | 2025-11-15 05:09 | 2025-11-19 10:58 | Resolved | 1 - Information | A | A | Compliance | Mavent | Enterprise: Validation | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Rescinded-na - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/15/2025 Open-The System could not complete its State Rules Review because of an issue with the Licensing Reviewer (LIC). . - Due Diligence Vendor-11/15/2025 Open- - Due Diligence Vendor-11/15/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Rescinded-na - Due Diligence Vendor-11/19/2025 |
[Redacted] | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6263244 | ||||||||
| XXXXXX-703 | B | A | B | A | A | A | A | A | Closed | FCRE2021 | 2025-11-18 04:44 | 2025-12-09 07:09 | Resolved | 1 - Information | B | A | Credit | Debt | Verified DTI varies from Qualifying DTI by greater than 5% | Resolved-lender provided DTI calc and not DTI aligns - Due Diligence Vendor-12/09/2025 Ready for Review-The tape shows POSTLINE_DTI = 21.6% and POSTLINE_DTI_DERIVED_INCOME = 20.13%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 =[Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-12/08/2025 Open-TPR calculated DTI is 13.42% not matching with lender DTI 20.13% with variance 6.70% which is >5% ([Redacted]= 13.42% DTI. - Due Diligence Vendor-11/18/2025 |
Ready for Review-The tape shows POSTLINE_DTI = 21.6% and POSTLINE_DTI_DERIVED_INCOME = 20.13%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 =[Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME =[Redacted] - Seller-12/08/2025 |
Resolved-lender provided DTI calc and not DTI aligns - Due Diligence Vendor-12/09/2025 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6285474 | |||||||
| XXXXXX-704 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2025-11-19 09:37 | 2025-12-05 09:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-tax cert now present - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. - Seller-12/05/2025 Open-Missing Evidence of Property Tax Please provide supporting documentation to verify tax amount as unable to verify the same from property Report - Due Diligence Vendor-11/19/2025 |
Ready for Review-Document Uploaded. - Seller-12/05/2025 | Resolved-tax cert now present - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6305727 | ||||||
| XXXXXX-704 | D | A | D | A | A | A | A | A | Closed | FCRE4866 | 2025-11-19 10:00 | 2025-11-21 09:41 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/21/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-11/19/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 11/21/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/21/2025 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6306572 | |||||||
| XXXXXX-705 | C | A | A | A | C | A | A | A | Closed | 1470 | 2025-11-18 06:54 | 2025-11-19 12:04 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-The [Redacted] UCCC prohibits a late fee exceeding the greater of 5% or $10. ([Redacted] Stat. 40-14-312) Late charge entries validated from Note Document - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 | [Redacted] | WY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6286933 | ||||||||
| XXXXXX-706 | C | A | A | A | C | A | A | A | Closed | 16480-22180 | 2025-11-20 05:41 | 2025-12-05 09:54 | Resolved | 1 - Information | A | A | Compliance | Late:Amount | [Redacted] - Max Late Charge (CLA) | Open- - Due Diligence Vendor-12/05/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/02/2025 Open-The [Redacted] Consumer Loan Act prohibits a late fee in excess of the 5% of the past due amount or $10, whichever is greater. ([Redacted] Rev. Stat. 286.4-533) Late charge entries validated from Note Document - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/02/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6317732 | ||||||||
| XXXXXX-706 | C | A | A | A | C | A | A | A | Closed | 16530-1003047 | 2025-11-20 05:41 | 2025-12-05 09:54 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury Rate | Open- - Due Diligence Vendor-12/05/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/02/2025 Open-The [Redacted] Interest Statute prohibits an interest rate from exceeding 8%. ([Redacted] Rev. Stat. 360.010) Interest Rate 15.49% verified from Note document - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/02/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6317733 | ||||||||
| XXXXXX-707 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-708 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2025-11-18 23:14 | 2025-12-05 10:19 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-proof of second lien position for subject lien now present. only 1st on title and subject lien - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. $[Redacted] lien is active, see attached file for full details - Seller-12/05/2025 Open-Lien amount of $[Redacted] that it is closed and last payment date is on [Redacted]in soft pull credit report, however report reflecting lien position 1, 30 years term we are unable to verify lien has been closed or open . we considered as per the data tape current loan as lien position 2 - Due Diligence Vendor-11/19/2025 |
Ready for Review-Document Uploaded. $[Redacted] lien is active, see attached file for full details - Seller-12/05/2025 |
Resolved-proof of second lien position for subject lien now present. only 1st on title and subject lien - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6298939 | ||||||
| XXXXXX-709 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-710 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-711 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-712 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-20 06:30 | 2025-11-21 10:17 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6318439 | ||||||||
| XXXXXX-712 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-20 06:30 | 2025-11-21 10:17 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace period entries validated from Note Document - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6318440 | ||||||||
| XXXXXX-713 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-714 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-715 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-716 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-717 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-17 05:23 | 2025-11-18 09:46 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than $[Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6269024 | ||||||||
| XXXXXX-717 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-17 05:23 | 2025-11-18 09:46 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6269025 | ||||||||
| XXXXXX-718 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-719 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-720 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2025-11-18 12:23 | 2025-11-19 12:04 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) Late charge entries validated from Note Document - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6293284 | ||||||||
| XXXXXX-721 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-722 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-723 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-724 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-725 | C | A | A | A | C | A | A | A | Closed | 1270-56390 | 2025-11-20 22:56 | 2025-11-21 14:35 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 Open-The [Redacted] Industrial Loan and Thrift Companies Act limits the late fee to the greater of 5% or ($15.00). (T.C.A. 45-5-301(3); 45-5-403) Late charge entries validated from Note Document - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 |
[Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6335436 | ||||||||
| XXXXXX-726 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-727 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-17 02:20 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Missing Deed of trust in the file. - Due Diligence Vendor-11/17/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6267699 | ||||||||
| XXXXXX-728 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-729 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-730 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-731 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 08:31 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/15/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | SD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6263639 | ||||||||
| XXXXXX-731 | D | A | A | A | D | A | A | A | Closed | FCRE4866 | 2025-11-15 08:25 | 2025-11-17 09:22 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]. - Due Diligence Vendor-11/15/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance - 11/17/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 | [Redacted] | SD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6263627 | |||||||
| XXXXXX-732 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-733 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-734 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-735 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-736 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-11-21 02:39 | 2025-11-24 09:50 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/24/2025 Open-TPR calculated CLTV is [Redacted] and does not match the Originator CLTV of [Redacted]%. ([Redacted])Lender originator didn't considered the lien position 2 balance of $300000 which is reflects in cl transaction report. - Due Diligence Vendor-11/21/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 11/24/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/24/2025 | [Redacted] | OR | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6336384 | |||||||
| XXXXXX-737 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-20 02:42 | 2025-11-24 07:43 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/24/2025 Open- - Due Diligence Vendor-11/21/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/24/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6316339 | ||||||||
| XXXXXX-737 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-20 02:42 | 2025-11-24 07:43 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/24/2025 Open- - Due Diligence Vendor-11/21/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/24/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6316338 | ||||||||
| XXXXXX-738 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-739 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 23:43 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Missing Deed of trust in the file. - Due Diligence Vendor-11/20/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6315573 | ||||||||
| XXXXXX-740 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-741 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-742 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-743 | C | C | C | C | A | A | A | A | Closed | FCRE2994 | 2025-11-19 07:07 | 2025-12-09 07:38 | Acknowledged | 3 - Material | C | C | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Acknowledged-Aven acknowledges DTI does not meet criteria. - Due Diligence Vendor-12/09/2025 Ready for Review-Acknowledged. The DTI limiter was not a part of the guidelines at the time of origination of this account and this criteria got added later in the DK agreement - Seller-12/08/2025 Open-Qualifying FICO 646 falls between 640 and 679 and 640 is the minimum FICO, calculated DTI 52.98% is exceeding maximum DTI of 50%. Note Lender tape has a DTI of 55% so exceeded at time of origination for FICO cap at 50% - Due Diligence Vendor-11/19/2025 |
Ready for Review-Acknowledged. The DTI limiter was not a part of the guidelines at the time of origination of this account and this criteria got added later in the DK agreement - Seller-12/08/2025 | Acknowledged-Aven acknowledges DTI does not meet criteria. - Due Diligence Vendor-12/09/2025 | [Redacted] | IA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 6302433 | |||||||
| XXXXXX-744 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2025-11-20 00:02 | 2025-12-05 10:20 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-lien release now present - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. uploaded - Seller-12/04/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. uploaded - Seller-12/04/2025 | Resolved-lien release now present - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6315716 | ||||||
| XXXXXX-745 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-746 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-747 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2025-11-18 06:13 | 2025-12-05 09:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-tax transcript now present - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. IRS tax transcript used, see Total Income - Seller-12/05/2025 Open-Missing income documentation to verify income. - Due Diligence Vendor-11/18/2025 |
Ready for Review-Document Uploaded. IRS tax transcript used, see Total Income - Seller-12/05/2025 | Resolved-tax transcript now present - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6286306 | ||||||
| XXXXXX-748 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-749 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-750 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-751 | A | A | A | A | A | A | A | A | A | A | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-752 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-753 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 00:47 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/19/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | WY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299436 | ||||||||
| XXXXXX-753 | D | A | A | A | D | A | A | A | Closed | 1470 | 2025-11-19 00:46 | 2025-11-19 12:11 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-The [Redacted] UCCC prohibits a late fee exceeding the greater of 5% or $10. ([Redacted] Stat. 40-14-312) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 | [Redacted] | WY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299425 | ||||||||
| XXXXXX-754 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-755 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-756 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-757 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2025-11-19 04:01 | 2025-11-20 12:21 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/19/2025 Open-The (15.24%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.92%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) Interest Rate 14.99% verified from Note document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 |
[Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6300375 | ||||||||
| XXXXXX-758 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-759 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 04:32 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/19/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6300602 | ||||||||
| XXXXXX-760 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 01:40 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Deed of trust missing in loan file. - Due Diligence Vendor-11/19/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299619 | ||||||||
| XXXXXX-761 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-762 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 02:25 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Deed of trust missing in loan file. - Due Diligence Vendor-11/19/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299831 | ||||||||
| XXXXXX-763 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-11-15 19:42 | 2025-11-17 09:24 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]. - Due Diligence Vendor-11/16/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance - 11/17/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6264505 | |||||||
| XXXXXX-764 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-765 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-766 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-767 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-768 | C | A | A | A | C | A | A | A | Closed | 1001469-1004142 | 2025-11-19 11:02 | 2025-11-21 10:22 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 |
[Redacted] | KS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6307955 | ||||||||
| XXXXXX-769 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-770 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-15 20:59 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents. - Due Diligence Vendor-11/16/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6264579 | ||||||||
| XXXXXX-771 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-772 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-18 07:13 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6287287 | ||||||||
| XXXXXX-773 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-18 23:47 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/19/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6299122 | ||||||||
| XXXXXX-773 | D | A | A | A | D | A | A | A | Closed | 17920-23650 | 2025-11-18 23:46 | 2025-11-19 12:12 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-The (15.24%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.92%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6299113 | ||||||||
| XXXXXX-774 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-775 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-776 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-777 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-778 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-779 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-780 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-781 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-782 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-783 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-784 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-785 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-786 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-787 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-788 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-11-15 22:18 | 2025-11-17 09:28 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. (F[Redacted]. - Due Diligence Vendor-11/16/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 11/17/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6264635 | |||||||
| XXXXXX-789 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-790 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-791 | D | B | D | B | A | A | A | A | Closed | FCRE1145 | 2025-11-21 00:01 | 2025-12-15 16:50 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Title Document Missing | Acknowledged-Document Uploaded. Lender provided evidence that final title policy is in process of issue. Document attached. - Due Diligence Vendor-12/15/2025 Open-Document Uploaded. - Due Diligence Vendor-12/15/2025 Open-Title Document is missing Please provide Title Report as it is missing in File and loan amount is >[Redacted] which is $105,152.48 - Due Diligence Vendor-11/21/2025 |
Acknowledged-Document Uploaded. Lender provided evidence that final title policy is in process of issue. Document attached. - Due Diligence Vendor-12/15/2025 | [Redacted] | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 6335767 | |||||||
| XXXXXX-791 | D | B | D | B | A | A | A | A | Closed | FCRE6399 | 2025-11-21 00:01 | 2025-12-05 10:22 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-lien release now present - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. uploaded - Seller-12/04/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-11/21/2025 |
Ready for Review-Document Uploaded. uploaded - Seller-12/04/2025 | Resolved-lien release now present - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6335769 | ||||||
| XXXXXX-792 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-793 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-794 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-795 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-796 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-797 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-798 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-799 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-800 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-801 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-802 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-803 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-804 | D | A | A | A | D | A | D | A | Closed | FCOM4283 | 2025-11-15 23:15 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/16/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6264675 | ||||||||
| XXXXXX-804 | D | A | A | A | D | A | D | A | Closed | FPRO1242 | 2025-11-15 23:25 | 2025-12-05 10:59 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received value - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. [Redacted] AVM used, see attached file for full details - Seller-12/05/2025 Open-Please provide complete Valuation document as it is missing in file. As of now, considered property value from tape data for CLTV calculation. - Due Diligence Vendor-11/16/2025 |
Ready for Review-Document Uploaded. [Redacted] AVM used, see attached file for full details - Seller-12/05/2025 |
Resolved-Received value - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6264687 | ||||||
| XXXXXX-804 | D | A | A | A | D | A | D | A | Closed | FCRE4866 | 2025-11-15 23:30 | 2025-11-21 15:44 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/21/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]. - Due Diligence Vendor-11/16/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 11/21/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/21/2025 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6264691 | |||||||
| XXXXXX-805 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-806 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-807 | C | A | A | A | C | A | A | A | Closed | 1270-56390 | 2025-11-19 23:48 | 2025-11-20 12:40 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 Open-The [Redacted] Industrial Loan and Thrift Companies Act limits the late fee to the greater of 5% or ($15.00). (T.C.A. 45-5-301(3); 45-5-403) - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 |
[Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6315595 | ||||||||
| XXXXXX-808 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-18 23:17 | 2025-11-19 12:45 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6298956 | ||||||||
| XXXXXX-808 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-18 23:17 | 2025-11-19 12:45 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6298955 | ||||||||
| XXXXXX-809 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-810 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 23:29 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Deed of trust missing in loan file. - Due Diligence Vendor-11/20/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6315497 | ||||||||
| XXXXXX-811 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-812 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2025-11-19 02:46 | 2025-11-19 12:41 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299918 | ||||||||
| XXXXXX-813 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-814 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-17 05:04 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Missing Deed of trust in the file. - Due Diligence Vendor-11/17/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6268864 | ||||||||
| XXXXXX-814 | D | A | A | A | D | A | A | A | Closed | 16530-1003047 | 2025-11-17 04:53 | 2025-11-19 11:03 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury Rate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-The [Redacted] Interest Statute prohibits an interest rate from exceeding 8%. ([Redacted] Rev. Stat. 360.010) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6268760 | ||||||||
| XXXXXX-814 | D | A | A | A | D | A | A | A | Closed | 16480-22180 | 2025-11-17 04:53 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Max Late Charge (CLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-The [Redacted] Consumer Loan Act prohibits a late fee in excess of the 5% of the past due amount or $10, whichever is greater. ([Redacted] Rev. Stat. 286.4-533) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | KY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6268759 | ||||||||
| XXXXXX-814 | D | A | A | A | D | A | A | A | Closed | 16470-22170 | 2025-11-17 04:53 | 2025-11-19 10:58 | Resolved | 1 - Information | A | A | Compliance | LoanTerm:TermLimits | [Redacted] - Max Loan Term (Loans > $3,000)(CLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Rescinded-na - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/18/2025 Open-The [Redacted] Consumer Loan Act prohibits a loan term greater than 120 months for a loan greater than $3,000. ([Redacted] Rev. Stat. 286.4-580(2)) - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Rescinded-na - Due Diligence Vendor-11/19/2025 |
[Redacted] | KY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6268758 | ||||||||
| XXXXXX-815 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-816 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-817 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-818 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-11-16 10:16 | 2025-11-18 13:24 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/18/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]. - Due Diligence Vendor-11/16/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/18/2025 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6265450 | ||||||||
| XXXXXX-819 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-820 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-821 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-822 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-823 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2025-11-20 05:02 | 2025-11-21 14:27 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 Open-The (15.24%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.89%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 |
[Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6317379 | ||||||||
| XXXXXX-824 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-825 | A | A | A | A | A | A | A | A | A | A | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-826 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-827 | C | B | A | A | C | B | A | A | Closed | 2400010-HighCost-APR | 2025-11-18 03:10 | 2025-12-15 17:05 | Acknowledged | 2 - Non-Material | C | B | Compliance | Mavent | HighCost: APR | Acknowledged-The loan APR exceeds the Cook County IL Threshold APR limit and is therefore deemed a Threshold Loan. Mission has verified that none of the following Predatory loan characteristics are present as identified in Ordinance 11-0-78 Section 3-407 including 2) Prepayment penalties, 3) Balloon payments, 4) Loan flipping , 5) Negative Amortization, 6) financing of points and fees in excess of 6%, 7) financing of a simple payment insurance product, 8) Lending without due regard to repayment ability, 9 &10) disallowed payment to a Contractor, or 11) any other predatory violation. Mission cannot make any determination as to whether there were any fraudulent or deceptive acts or practices, including fraudulent or deceptive marketing and sales efforts to sell threshold loans. Finding is acknowledged as a Compliance Caution EV2 final grade B. - Due Diligence Vendor-12/16/2025 Open- - Due Diligence Vendor-11/19/2025 Open-The loan APR (12.74%) exceeds the ([Redacted]) High Cost APR limit, which is (12.66%), the difference is (0.08%). - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Aven confirms there were no fraudulent or deceptive acts or practices, including fraudulent or deceptive marketing and sales efforts to sell threshold loans. - 12/16/2025 |
Acknowledged-The loan APR exceeds the Cook County IL Threshold APR limit and is therefore deemed a Threshold Loan. Mission has verified that none of the following Predatory loan characteristics are present as identified in Ordinance 11-0-78 Section 3-407 including 2) Prepayment penalties, 3) Balloon payments, 4) Loan flipping , 5) Negative Amortization, 6) financing of points and fees in excess of 6%, 7) financing of a simple payment insurance product, 8) Lending without due regard to repayment ability, 9 &10) disallowed payment to a Contractor, or 11) any other predatory violation. Mission cannot make any determination as to whether there were any fraudulent or deceptive acts or practices, including fraudulent or deceptive marketing and sales efforts to sell threshold loans. Finding is acknowledged as a Compliance Caution EV2 final grade B. - Due Diligence Vendor-12/16/2025 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 6284800 | |||||||
| XXXXXX-828 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-829 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-11-19 12:31 | 2025-11-20 12:15 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/20/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-11/19/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/20/2025 | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6309901 | ||||||||
| XXXXXX-830 | C | A | A | A | C | A | A | A | Closed | 8610-13390 | 2025-11-20 03:21 | 2025-11-20 11:25 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6316601 | ||||||||
| XXXXXX-830 | C | A | A | A | C | A | A | A | Closed | 63420-76210 | 2025-11-20 03:21 | 2025-11-20 11:25 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($268.20), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6316602 | ||||||||
| XXXXXX-831 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-832 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-19 06:42 | 2025-11-21 14:37 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6301994 | ||||||||
| XXXXXX-832 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-19 06:42 | 2025-11-21 14:37 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6301993 | ||||||||
| XXXXXX-833 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-834 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-835 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-836 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-837 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-838 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-11-19 12:55 | 2025-11-21 14:29 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/21/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-11/19/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/21/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6310385 | ||||||||
| XXXXXX-839 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-840 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-841 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-842 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2025-11-19 07:16 | 2025-11-20 11:25 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/20/2025 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6302639 | ||||||||
| XXXXXX-843 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2025-11-19 11:42 | 2025-11-21 10:05 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/20/2025 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6308833 | ||||||||
| XXXXXX-844 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-845 | C | C | C | C | A | A | A | A | Closed | FCRE1193 | 2025-11-19 08:34 | 2025-12-10 05:35 | Acknowledged | 3 - Material | C | C | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Lender acknowledges DTI does not meet guideline overlays - Due Diligence Vendor-12/10/2025 Ready for Review-Acknowledged. The DTI limiter was not a part of the guidelines at the time of origination of this account and this criteria got added later in the DK agreement - Seller-12/09/2025 Counter-the max DTI is 50% for a credit score between 620 and 679. the issue is not the calculation but the fact that exceeds allowed DTI of 50% for a 620-679 FICO - Due Diligence Vendor-12/09/2025 Ready for Review-The tape shows POSTLINE_DTI = 55% and POSTLINE_DTI_DERIVED_INCOME = 53.31%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME =[Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-12/08/2025 Open-TPR calculated DTI is 51% ([Redacted] = 51% DTI. Lender DTI is 55% - Due Diligence Vendor-11/19/2025 |
Ready for Review-Acknowledged. The DTI limiter was not a part of the guidelines at the time of origination of this account and this criteria got added later in the DK agreement - Seller-12/09/2025 Ready for Review-The tape shows POSTLINE_DTI = 55% and POSTLINE_DTI_DERIVED_INCOME = 53.31%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME =[Redacted]. - Seller-12/08/2025 |
Acknowledged-Lender acknowledges DTI does not meet guideline overlays - Due Diligence Vendor-12/10/2025 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6304432 | |||||||
| XXXXXX-846 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-11-19 04:48 | 2025-12-05 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025 Resolved-Received short term policy - Due Diligence Vendor-12/05/2025 Open-Title Document is missing Final title policy missing in the file - Due Diligence Vendor-11/20/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025 Resolved-Received short term policy - Due Diligence Vendor-12/05/2025 |
[Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6300718 | ||||||||
| XXXXXX-847 | C | A | A | A | C | A | A | A | Closed | 890-210 | 2025-11-19 08:13 | 2025-11-21 14:36 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (DRE) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/20/2025 Open-The ($29.00) late fee amount or (0.0%) late fee percent exceed the [Redacted] Real Estate Law threshold. Under the [Redacted] Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. ([Redacted] Bus. & Prof. Code 10242.5) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 |
[Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6303979 | ||||||||
| XXXXXX-848 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-849 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-850 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-851 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-852 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-853 | B | A | B | A | A | A | A | A | Closed | FCRE2021 | 2025-11-19 05:32 | 2025-12-09 07:12 | Resolved | 1 - Information | B | A | Credit | Debt | Verified DTI varies from Qualifying DTI by greater than 5% | Resolved-lender provided DTI calc and now DTI aligns - Due Diligence Vendor-12/09/2025 Ready for Review-The tape shows POSTLINE_DTI = 21% and POSTLINE_DTI_DERIVED_INCOME = 22.6%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-12/08/2025 Open-TPR Calculated DTI is 30.17%. ([Redacted].)Originators DTI 22.6% - Due Diligence Vendor-11/21/2025 |
Ready for Review-The tape shows POSTLINE_DTI = 21% and POSTLINE_DTI_DERIVED_INCOME = 22.6%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted] - Seller-12/08/2025 |
Resolved-lender provided DTI calc and now DTI aligns - Due Diligence Vendor-12/09/2025 | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6301114 | |||||||
| XXXXXX-854 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-855 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-16 10:54 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents. - Due Diligence Vendor-11/16/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6265539 | ||||||||
| XXXXXX-855 | D | A | A | A | D | A | A | A | Closed | 1140-450 | 2025-11-16 20:33 | 2025-11-18 10:25 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. Late charge entries validated from Note Document - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 |
[Redacted] | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6266309 | ||||||||
| XXXXXX-856 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-857 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-858 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 02:15 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-DOT is missing in file. - Due Diligence Vendor-11/19/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6299772 | ||||||||
| XXXXXX-859 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-860 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-861 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-862 | D | D | A | A | C | A | D | D | Closed | FPRO7549 | 2025-12-16 09:44 | 2025-12-16 09:44 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post-close value of $[Redacted] did not support origination value. - Due Diligence Vendor-12/16/2025 | Acknowledged-Post-close value of $[Redacted] did not support origination value. - Due Diligence Vendor-12/16/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 6644708 | ||||||||
| XXXXXX-862 | D | D | A | A | C | A | D | D | Closed | 1001200-1003360 | 2025-11-19 01:45 | 2025-11-19 12:44 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace period entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299636 | ||||||||
| XXXXXX-862 | D | D | A | A | C | A | D | D | Closed | 2640-1003357 | 2025-11-19 01:45 | 2025-11-19 12:44 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299635 | ||||||||
| XXXXXX-863 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-11-19 02:13 | 2025-11-19 12:43 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace period entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299757 | ||||||||
| XXXXXX-863 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-11-19 02:13 | 2025-11-19 12:42 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299756 | ||||||||
| XXXXXX-864 | C | A | A | A | C | A | A | A | Closed | 3110-2450 | 2025-11-19 02:55 | 2025-11-20 12:38 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (LOC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 Open- - Due Diligence Vendor-11/19/2025 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Usury Provisions, the late fee must be the lesser of 5% or $10. (Ariz. Rev. Stat. 44-1205(B) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 |
[Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6299975 | ||||||||
| XXXXXX-865 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-11-17 00:54 | 2025-11-18 14:19 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/18/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-11/17/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/18/2025 | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6267399 | ||||||||
| XXXXXX-866 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-867 | D | A | C | A | D | A | A | A | Closed | FCOM4283 | 2025-11-20 05:35 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Deed of Trust is missing in file. - Due Diligence Vendor-11/20/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6317689 | ||||||||
| XXXXXX-867 | D | A | C | A | D | A | A | A | Closed | FCRE6399 | 2025-11-20 05:58 | 2025-12-05 10:23 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-proof mod is same lender as existing first now present - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. $[Redacted] lien mod is for the same lender that has the active first lien ([Redacted]), see Prior Loan History - Seller-12/05/2025 Open-There is recent refi modification lien on cl transaction report of $[Redacted] ,Please provide Lien Release documentation to confirm whether its paid off . - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. $[Redacted] lien mod is for the same lender that has the active first lien ([Redacted]), see Prior Loan History - Seller-12/05/2025 |
Resolved-proof mod is same lender as existing first now present - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6317930 | ||||||
| XXXXXX-868 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-869 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-870 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-871 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-872 | C | B | A | A | C | B | A | A | Closed | 2400010-HighCost-APR | 2025-11-18 08:00 | 2025-12-15 17:06 | Acknowledged | 2 - Non-Material | C | B | Compliance | Mavent | HighCost: APR | Acknowledged-The loan APR exceeds the Cook County IL Threshold APR limit and is therefore deemed a Threshold Loan. Mission has verified that none of the following Predatory loan characteristics are present as identified in Ordinance 11-0-78 Section 3-407 including 2) Prepayment penalties, 3) Balloon payments, 4) Loan flipping , 5) Negative Amortization, 6) financing of points and fees in excess of 6%, 7) financing of a simple payment insurance product, 8) Lending without due regard to repayment ability, 9 &10) disallowed payment to a Contractor, or 11) any other predatory violation. Mission cannot make any determination as to whether there were any fraudulent or deceptive acts or practices, including fraudulent or deceptive marketing and sales efforts to sell threshold loans. Finding is acknowledged as a Compliance Caution EV2 final grade B. - Due Diligence Vendor-12/16/2025 Open- - Due Diligence Vendor-11/19/2025 Open-vc - Due Diligence Vendor-11/18/2025 Open-The loan APR (12.74%) exceeds the ([Redacted]) High Cost APR limit, which is (12.66%), the difference is (0.08%). - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Aven confirms there were no fraudulent or deceptive acts or practices, including fraudulent or deceptive marketing and sales efforts to sell threshold loans. - 12/16/2025 |
Acknowledged-The loan APR exceeds the Cook County IL Threshold APR limit and is therefore deemed a Threshold Loan. Mission has verified that none of the following Predatory loan characteristics are present as identified in Ordinance 11-0-78 Section 3-407 including 2) Prepayment penalties, 3) Balloon payments, 4) Loan flipping , 5) Negative Amortization, 6) financing of points and fees in excess of 6%, 7) financing of a simple payment insurance product, 8) Lending without due regard to repayment ability, 9 &10) disallowed payment to a Contractor, or 11) any other predatory violation. Mission cannot make any determination as to whether there were any fraudulent or deceptive acts or practices, including fraudulent or deceptive marketing and sales efforts to sell threshold loans. Finding is acknowledged as a Compliance Caution EV2 final grade B. - Due Diligence Vendor-12/16/2025 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 6288213 | |||||||
| XXXXXX-873 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-20 04:34 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Deed of trust missing in loan file - Due Diligence Vendor-11/20/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6317142 | ||||||||
| XXXXXX-874 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-875 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-876 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-877 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-878 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-879 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2025-11-18 23:46 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299114 | ||||||||
| XXXXXX-880 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-21 01:47 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/21/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6336151 | ||||||||
| XXXXXX-881 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-882 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-883 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-884 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-885 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-19 04:05 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Missing Deed of Trust - Due Diligence Vendor-11/19/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6300395 | ||||||||
| XXXXXX-886 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-887 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-888 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-889 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-11-17 02:23 | 2025-11-17 09:38 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]. - Due Diligence Vendor-11/17/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 11/17/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-11/17/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6267709 | |||||||
| XXXXXX-890 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-891 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-892 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2025-11-21 00:37 | 2025-12-05 10:23 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-lien release now present - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. uploaded - Seller-12/04/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-11/21/2025 |
Ready for Review-Document Uploaded. uploaded - Seller-12/04/2025 | Resolved-lien release now present - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6335924 | ||||||
| XXXXXX-893 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-11-19 02:40 | 2025-12-05 11:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025 Resolved-Received commitment - Due Diligence Vendor-12/05/2025 Open-Title Document is missing Final title policy is missing. - Due Diligence Vendor-11/19/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-12/05/2025 Resolved-Received commitment - Due Diligence Vendor-12/05/2025 |
[Redacted] | AR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6299893 | ||||||||
| XXXXXX-894 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-895 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-896 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-897 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-898 | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2025-11-19 06:11 | 2025-12-05 11:00 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Value score is 28 and now within guidelines - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. It shows the deviation is only 3, see the attached file for full details - Seller-12/05/2025 Open-The provided DT Precision report reflects an FSD score of more than 30.(FSD Score is 0.31) - Due Diligence Vendor-11/19/2025 |
Ready for Review-Document Uploaded. It shows the deviation is only 3, see the attached file for full details - Seller-12/05/2025 |
Resolved-Value score is 28 and now within guidelines - Due Diligence Vendor-12/05/2025 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6301525 | ||||||
| XXXXXX-899 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-17 00:59 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/17/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6267413 | ||||||||
| XXXXXX-900 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2025-11-19 00:16 | 2025-11-21 14:41 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 Open-The (15.24%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.85%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 |
[Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6299241 | ||||||||
| XXXXXX-901 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-18 23:24 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Missing Deed of Trust - Due Diligence Vendor-11/19/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6298997 | ||||||||
| XXXXXX-902 | A | B | A | B | A | A | A | A | Closed | FCRE1601 | 2025-11-16 23:47 | 2026-06-04 12:57 | Acknowledged | 2 - Non-Material | A | B | Credit | Eligibility | Lien Position >=2 and Other Lien Position <> BLANK or N/A | Acknowledged-CLTV is in guidelines. the lien search report shows no open liens, but the borrower purchased on [Redacted] and this aligns with the FHA mtg on credit that was opened same day. TPR is using a conservative approach and including in CLTV and lien position - Due Diligence Vendor-06/04/2026 | Acknowledged-CLTV is in guidelines. the lien search report shows no open liens, but the borrower purchased on [Redacted] and this aligns with the FHA mtg on credit that was opened same day. TPR is using a conservative approach and including in CLTV and lien position - Due Diligence Vendor-06/04/2026 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6267126 | ||||||||
| XXXXXX-903 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-904 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-905 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2025-11-18 02:38 | 2025-11-19 10:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/19/2025 |
[Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6284629 | ||||||||
| XXXXXX-906 | B | A | B | A | A | A | A | A | Closed | FCRE2021 | 2025-11-18 03:27 | 2025-12-09 07:14 | Resolved | 1 - Information | B | A | Credit | Debt | Verified DTI varies from Qualifying DTI by greater than 5% | Resolved-DTI now aligns as lender provided their calculation - Due Diligence Vendor-12/09/2025 Ready for Review-The tape shows POSTLINE_DTI = 19.04% and POSTLINE_DTI_DERIVED_INCOME = 22.1%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-12/08/2025 Open-TPR Calculated DTI is 36.73%. ([Redacted].)Originators DTI 22.1% - Due Diligence Vendor-11/18/2025 |
Ready for Review-The tape shows POSTLINE_DTI = 19.04% and POSTLINE_DTI_DERIVED_INCOME = 22.1%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted] - Seller-12/08/2025 |
Resolved-DTI now aligns as lender provided their calculation - Due Diligence Vendor-12/09/2025 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6284918 | |||||||
| XXXXXX-907 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-908 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-909 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-910 | C | B | C | B | A | A | A | A | Closed | FCRE9592 | 2025-11-16 23:31 | 2025-12-09 06:38 | Acknowledged | 2 - Non-Material | C | B | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Acknowledged-Lender acknowledges lien position and still qualifies. - Due Diligence Vendor-12/09/2025 Ready for Review-Acknowledged, CLTV is still within the policy guidelines. - Seller-12/08/2025 Open-TPR found new HELOC to be in 2nd Position. Mortgage for $[Redacted] that was reflecting in credit Report and DT_Property Report but not included by Lender. Lien position was 1. - Due Diligence Vendor-11/17/2025 |
Ready for Review-Acknowledged, CLTV is still within the policy guidelines. - Seller-12/08/2025 | Acknowledged-Lender acknowledges lien position and still qualifies. - Due Diligence Vendor-12/09/2025 | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6267043 | |||||||
| XXXXXX-911 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-912 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-913 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-914 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-915 | C | A | A | A | C | A | A | A | Closed | 890-210 | 2025-11-21 06:29 | 2025-11-24 09:54 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (DRE) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/24/2025 Open- - Due Diligence Vendor-11/21/2025 Open-The ($29.00) late fee amount or (0.0%) late fee percent exceed the [Redacted] Real Estate Law threshold. Under the [Redacted] Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. ([Redacted] Bus. & Prof. Code 10242.5) Late charge entries validated from Note Document - Due Diligence Vendor-11/21/2025 Open- - Due Diligence Vendor-11/21/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/24/2025 |
[Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6338211 | ||||||||
| XXXXXX-916 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-917 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-918 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-919 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-920 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-921 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-922 | D | B | D | B | A | A | A | A | Closed | FCRE1145 | 2025-11-18 03:13 | 2025-12-15 16:19 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Title Document Missing | Acknowledged-Document Uploaded. Lender provided evidence that final title policy is in process of issue. Document attached. - Due Diligence Vendor-12/15/2025 Open-Title Document is missing Final title policy is missing - Due Diligence Vendor-11/18/2025 |
Acknowledged-Document Uploaded. Lender provided evidence that final title policy is in process of issue. Document attached. - Due Diligence Vendor-12/15/2025 | [Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6284826 | |||||||
| XXXXXX-923 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-924 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2025-11-18 04:15 | 2025-11-20 11:31 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/20/2025 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6285230 | ||||||||
| XXXXXX-925 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-926 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-927 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-928 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2025-11-18 06:12 | 2025-12-05 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/05/2025 Resolved-now present. while tax yrs shows 2016 there are no delinquencies reported and assessed year shows current at 2025 - Due Diligence Vendor-12/05/2025 Ready for Review-Document Uploaded. See Tax Amount - Seller-12/05/2025 Open-Missing Evidence of Property Tax Tax Cert is missing - Due Diligence Vendor-11/18/2025 |
Ready for Review-Document Uploaded. See Tax Amount - Seller-12/05/2025 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/05/2025 Resolved-now present. while tax yrs shows 2016 there are no delinquencies reported and assessed year shows current at 2025 - Due Diligence Vendor-12/05/2025 |
[Redacted] | [Redacted] | NE | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6286289 | ||||||
| XXXXXX-929 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-18 03:29 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6284923 | ||||||||
| XXXXXX-929 | D | A | A | A | D | A | A | A | Closed | 54000-56190 | 2025-11-18 02:31 | 2025-11-18 10:25 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6284603 | ||||||||
| XXXXXX-929 | D | A | A | A | D | A | A | A | Closed | 1001289-1003551 | 2025-11-18 02:31 | 2025-11-18 10:25 | Resolved | 1 - Information | C | A | Compliance | Interest:Accrual | [Redacted] - Periodic/360 (30/360) Accrual Method Prohibited (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 Open-Please adjust the accrual method. Effective July 1, 2020, [Redacted] DFI prohibits the 30/360 interest accrual method for Junior Lien Loans. ([Redacted] Code 24-4.5-2-201(4)(a)(ii); 24-4.5-3-201(3)(b)(ii); IN DFI Advisory Letter 2020-01) - Due Diligence Vendor-11/18/2025 Open- - Due Diligence Vendor-11/18/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/18/2025 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6284604 | ||||||||
| XXXXXX-930 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-931 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-932 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-933 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-934 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2025-11-19 06:59 | 2025-11-21 11:18 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) Late charge entries validated from Note Document - Due Diligence Vendor-11/19/2025 Open- - Due Diligence Vendor-11/19/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/21/2025 |
[Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6302280 | ||||||||
| XXXXXX-935 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-11-17 04:22 | 2025-12-05 11:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/05/2025 Open-Please provide Deed of Trust as it is missing in File. As of now considered Notary date as Closing date and County name from related documents - Due Diligence Vendor-11/17/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/05/2025 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6268495 | ||||||||
| XXXXXX-935 | D | A | A | A | D | A | A | A | Closed | 1290-600 | 2025-11-17 04:46 | 2025-11-17 10:31 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) Late charge entries validated from Note Document - Due Diligence Vendor-11/17/2025 Open- - Due Diligence Vendor-11/17/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-11/17/2025 |
[Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6268687 | ||||||||
| XXXXXX-936 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-937 | C | A | A | A | C | A | A | A | Closed | 30270-1004122 | 2025-12-10 04:01 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/10/2025 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.93%). To determine the "loan yield" the system used the greater of the loan's (14.74%) APR, (14.49%) Note Rate, or (14.74%) Fully Indexed Rate. The threshold was calculated using the (6.93%) 30-year fixed APOR for the last business day of the second preceding month based on the consummation date plus four percentage points. The [Redacted] Commerce Department issued an Interpretive Opinion effective August 1, 2024, replacing the retired Fannie Mae posted yields on 30-year mortgage commitments for delivery within 60 days on standard conventional fixed rate mortgages with the 30-year fixed APOR published by the CFPB. ([Redacted] Stat. 47.20, Subd. 4a). Entries correct in related fields - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6562010 | ||||||||
| XXXXXX-937 | C | A | A | A | C | A | A | A | Closed | 30270-1004121 | 2025-12-10 04:01 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/10/2025 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.77%) published monthly by the [Redacted] Commerce Department. To determine the "loan yield" the system used the greater of the loan's (14.74%) APR, (14.49%) Note Rate, or (14.74%) Fully Indexed Rate. ([Redacted] Stat. 47.20, Subd. 4a; www.mn.gov/commerce/money/industry/interest-rates/) Entries correct in related fields - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6562011 | ||||||||
| XXXXXX-938 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-939 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-940 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-941 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-942 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-943 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-944 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-945 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-946 | C | A | A | A | C | A | A | A | Closed | 63420-76210 | 2025-12-05 04:51 | 2025-12-08 12:23 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/05/2025 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($490.62), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) Acknowledged - Due Diligence Vendor-12/05/2025 Open- - Due Diligence Vendor-12/05/2025 Open- - Due Diligence Vendor-12/05/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/08/2025 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6499534 | ||||||||
| XXXXXX-946 | C | A | A | A | C | A | A | A | Closed | 8610-13390 | 2025-12-05 04:51 | 2025-12-08 12:22 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/05/2025 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) Acknowledged - Due Diligence Vendor-12/05/2025 Open- - Due Diligence Vendor-12/05/2025 Open- - Due Diligence Vendor-12/05/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/08/2025 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6499533 | ||||||||
| XXXXXX-947 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-948 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-949 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-950 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2025-12-09 04:45 | 2025-12-18 13:28 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Proof of loan is paid off received and clears finding - Due Diligence Vendor-12/18/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation of $[Redacted]. - Due Diligence Vendor-12/09/2025 |
Resolved-Proof of loan is paid off received and clears finding - Due Diligence Vendor-12/18/2025 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6543879 | ||||||||
| XXXXXX-951 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NE | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-952 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2025-12-10 05:51 | 2025-12-18 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Received Tax returns - Due Diligence Vendor-12/18/2025 Open-Missing income documents for borrower 2 - Due Diligence Vendor-12/10/2025 |
Resolved-Received Tax returns - Due Diligence Vendor-12/18/2025 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6563161 | ||||||||
| XXXXXX-953 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2025-12-04 23:01 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/05/2025 Open- - Due Diligence Vendor-12/05/2025 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-12/05/2025 Open- - Due Diligence Vendor-12/05/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6497100 | ||||||||
| XXXXXX-954 | C | A | A | A | C | A | A | A | Closed | 60540-68760 | 2025-12-09 05:29 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Predatory:LateFees | [Redacted] - Maximum Late Fee (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/09/2025 Open-The [Redacted] Home Loan Protection Act prohibits the late fee from exceeding 5% of the overdue payment in a "home loan." ([Redacted] Stat. Ann. 58-21A-4(K)(1)) - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6544220 | ||||||||
| XXXXXX-954 | C | A | A | A | C | A | A | A | Closed | 60620-68890 | 2025-12-09 05:29 | 2025-12-11 14:26 | Resolved | 1 - Information | A | A | Compliance | Predatory:DocType | [Redacted] - Documentation Type (Home Loan)(07/09) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Rescinded-na - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/09/2025 Open-The [Redacted] Home Loan Protection Act requires Full documentation of a "home loan." ([Redacted] Stat. Ann. 58-21A-4(C)) - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Rescinded-na - Due Diligence Vendor-12/11/2025 |
[Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6544219 | ||||||||
| XXXXXX-955 | C | A | A | A | C | A | A | A | Closed | 1120 | 2025-12-09 01:39 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open-Under the [Redacted] Residential Mortgage Lending Act the late fee cannot exceed 5% of the past due payment. ([Redacted] Rev. Stat. Ann. 6:1097(B)(2)) - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6542547 | ||||||||
| XXXXXX-956 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2025-12-05 00:05 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-12/05/2025 Open- - Due Diligence Vendor-12/05/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6497557 | ||||||||
| XXXXXX-957 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2025-12-09 23:06 | 2025-12-18 13:26 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-12/18/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation $27647 - Due Diligence Vendor-12/10/2025 |
Resolved-Received satisfaction of mortgage - Due Diligence Vendor-12/18/2025 | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6560391 | ||||||||
| XXXXXX-958 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2025-12-09 04:23 | 2025-12-19 13:42 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Proof of release received - Due Diligence Vendor-12/19/2025 Ready for Review-Document Uploaded. - Seller-12/19/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-12/09/2025 |
Ready for Review-Document Uploaded. - Seller-12/19/2025 | Resolved-Proof of release received - Due Diligence Vendor-12/19/2025 | [Redacted] | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6543729 | ||||||
| XXXXXX-959 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-960 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-961 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-962 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-963 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-964 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2025-12-10 06:21 | 2025-12-18 13:27 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-12/18/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-12/10/2025 |
Resolved-Received satisfaction of mortgage - Due Diligence Vendor-12/18/2025 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6563445 | ||||||||
| XXXXXX-965 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-966 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-967 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-968 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-969 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2025-12-08 23:12 | 2025-12-18 13:29 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Proof of satisfied mortgage received - Due Diligence Vendor-12/18/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-12/09/2025 |
Resolved-Proof of satisfied mortgage received - Due Diligence Vendor-12/18/2025 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6541912 | ||||||||
| XXXXXX-970 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-971 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-972 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-973 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2025-12-09 06:27 | 2025-12-26 07:51 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-title in file shows only 1 lien making this a 2nd lien. furthermore the Lender confirms verbally existing was released. this is now resolved as title is present and not showing this lien as exception - Due Diligence Vendor-12/26/2025 Open-Document Uploaded. - Due Diligence Vendor-12/26/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-12/09/2025 |
Resolved-title in file shows only 1 lien making this a 2nd lien. furthermore the Lender confirms verbally existing was released. this is now resolved as title is present and not showing this lien as exception - Due Diligence Vendor-12/26/2025 | [Redacted] | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6544816 | |||||||
| XXXXXX-974 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-12-10 07:32 | 2025-12-18 13:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/18/2025 Open-Title Document is missing Final Title policy missing in the file - Due Diligence Vendor-12/10/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-12/18/2025 | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6564612 | ||||||||
| XXXXXX-975 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-976 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-977 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-978 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-979 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2025-12-08 00:21 | 2025-12-18 13:32 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received Satisfaction of mortgage - Due Diligence Vendor-12/18/2025 Open-Title Report shows lien release in place but no lien release is present. Please provide Lien Release documentation for the lien amount of $[Redacted]. - Due Diligence Vendor-12/08/2025 |
Resolved-Received Satisfaction of mortgage - Due Diligence Vendor-12/18/2025 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6522508 | ||||||||
| XXXXXX-980 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-981 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2025-12-09 05:21 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/09/2025 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6544153 | ||||||||
| XXXXXX-982 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-983 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-984 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2025-12-05 02:40 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/08/2025 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-12/05/2025 Open- - Due Diligence Vendor-12/05/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6498563 | ||||||||
| XXXXXX-985 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-12-09 06:11 | 2025-12-26 07:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Document Uploaded. - Due Diligence Vendor-12/26/2025 Resolved-title is now present - Due Diligence Vendor-12/26/2025 Resolved-Title Document is fully Present - Due Diligence Vendor-12/26/2025 Open-Title Document is missing Final title policy is missing. - Due Diligence Vendor-12/09/2025 |
Resolved-Document Uploaded. - Due Diligence Vendor-12/26/2025 Resolved-title is now present - Due Diligence Vendor-12/26/2025 Resolved-Title Document is fully Present - Due Diligence Vendor-12/26/2025 |
[Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6544619 | |||||||
| XXXXXX-986 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-987 | C | C | C | C | C | A | A | A | Closed | FCRE9592 | 2025-12-10 03:10 | 2026-07-21 17:18 | Acknowledged | 3 - Material | C | C | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Acknowledged-lender acknowledges lien position and CLTV from TPR and loan still qualifies. - Due Diligence Vendor-12/17/2025 Ready for Review-Acknowledged, CLTV is still within the policy guidelines - Seller-12/16/2025 Open-Lien Position greater than 2. - Due Diligence Vendor-12/10/2025 |
Ready for Review-Acknowledged, CLTV is still within the policy guidelines - Seller-12/16/2025 | Acknowledged-lender acknowledges lien position and CLTV from TPR and loan still qualifies. - Due Diligence Vendor-12/17/2025 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6561545 | |||||||
| XXXXXX-987 | C | C | C | C | C | A | A | A | Closed | FCRE1196 | 2025-12-10 03:12 | 2026-07-21 17:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-lender acknowledges lien position and CLTV from TPR and loan still qualifies. - Due Diligence Vendor-12/17/2025 Ready for Review-Acknowledged, CLTV is still within the policy guidelines. - Seller-12/16/2025 Open- TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. (Subject new HELOC of [Redacted]). The current loan in a 3 lien Position - Due Diligence Vendor-12/10/2025 |
Ready for Review-Acknowledged, CLTV is still within the policy guidelines. - Seller-12/16/2025 | Acknowledged-lender acknowledges lien position and CLTV from TPR and loan still qualifies. - Due Diligence Vendor-12/17/2025 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6561557 | |||||||
| XXXXXX-987 | C | C | C | C | C | A | A | A | Closed | 890-210 | 2025-12-10 03:09 | 2025-12-11 07:50 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (DRE) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/10/2025 Open-The ($29.00) late fee amount or (0.0%) late fee percent exceed the [Redacted] Real Estate Law threshold. Under the [Redacted] Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. ([Redacted] Bus. & Prof. Code 10242.5) - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6561538 | ||||||||
| XXXXXX-988 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-12-05 04:05 | 2025-12-05 13:27 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/05/2025 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted].%. ([Redacted]= CLTV is [Redacted]% - Due Diligence Vendor-12/05/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” Our comment - 12/05/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/05/2025 | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6499161 | |||||||
| XXXXXX-989 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-990 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-991 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-992 | C | A | A | A | C | A | A | A | Closed | 71590 | 2025-12-05 02:36 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) - Due Diligence Vendor-12/05/2025 Open- - Due Diligence Vendor-12/05/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6498536 | ||||||||
| XXXXXX-993 | C | A | C | A | A | A | A | A | Closed | FCRE1195 | 2025-12-05 05:38 | 2025-12-08 12:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/08/2025 Open- TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. (Subject new HELOC of [Redacted]). - Due Diligence Vendor-12/05/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/08/2025 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6499993 | ||||||||
| XXXXXX-994 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-995 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-996 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-997 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-998 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-999 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-12-09 10:06 | 2025-12-09 10:07 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 12/09/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens - Due Diligence Vendor-12/09/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6550582 | |||||||
| XXXXXX-1000 | C | A | A | A | C | A | A | A | Closed | 8660-13480 | 2025-12-08 04:24 | 2025-12-09 14:02 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open-[Redacted]'s Late Charge Provisions prohibit a late fee exceeding 5% of the delinquent installment.([Redacted] Rev. Stat. Sec. 86.165) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6523926 | ||||||||
| XXXXXX-1001 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2025-12-09 23:11 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open-The (15.24%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.91%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6560401 | ||||||||
| XXXXXX-1002 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2025-12-08 03:08 | 2025-12-09 13:58 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6523291 | ||||||||
| XXXXXX-1003 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-12-09 03:30 | 2025-12-18 13:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/18/2025 Open-Deed of trust missing in loan File. - Due Diligence Vendor-12/09/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/18/2025 | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6543334 | ||||||||
| XXXXXX-1004 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1005 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1006 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1007 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1008 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2025-12-05 05:12 | 2025-12-18 13:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Received W-2 transcripts - Due Diligence Vendor-12/18/2025 Open-Provided paystub is asking password to open the document . Hence unable to qualify borrower qualifying income. - Due Diligence Vendor-12/05/2025 |
Resolved-Received W-2 transcripts - Due Diligence Vendor-12/18/2025 | [Redacted] | NE | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6499713 | ||||||||
| XXXXXX-1009 | C | C | C | C | C | A | A | A | Closed | FCRE1195 | 2025-12-11 13:29 | 2026-07-21 17:20 | Acknowledged | 3 - Material | C | C | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Open-Audited CLTV of % Audited CLTV of [Redacted]% Loan is in 3rd lien position. Two liens showing on both CLTV and Credit report. [Redacted] and [Redacted] Loan is in 3rd lien position. T - Due Diligence Vendor-01/05/2026 Acknowledged-lender acknowledges lien position and CLTV. These exceed the overlay of max 2nd lien. Grade 3 - Due Diligence Vendor-12/19/2025 Ready for Review-Acknowledged. - Seller-12/18/2025 |
Ready for Review-Acknowledged. - Seller-12/18/2025 | Acknowledged-lender acknowledges lien position and CLTV. These exceed the overlay of max 2nd lien. Grade 3 - Due Diligence Vendor-12/19/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 6592076 | |||||||
| XXXXXX-1009 | C | C | C | C | C | A | A | A | Closed | FCRE9592 | 2025-12-11 13:20 | 2025-12-19 06:15 | Acknowledged | 3 - Material | C | C | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Acknowledged-lender acknowledges lien position and CLTV. These exceed the overlay of max 2nd lien. Grade 3 - Due Diligence Vendor-12/19/2025 Ready for Review-Acknowledged - Seller-12/18/2025 Open-The following two liens are on both Credit report and CL Transaction report [Redacted] and [Redacted] - Due Diligence Vendor-12/11/2025 |
Ready for Review-Acknowledged - Seller-12/18/2025 | Acknowledged-lender acknowledges lien position and CLTV. These exceed the overlay of max 2nd lien. Grade 3 - Due Diligence Vendor-12/19/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 6591772 | |||||||
| XXXXXX-1009 | C | C | C | C | C | A | A | A | Closed | 30270-1004233 | 2025-12-08 05:38 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (11.09%). To determine the "loan yield" the system used the greater of the loan's (14.74%) APR, (14.49%) Note Rate, or (14.74%) Fully Indexed Rate. The threshold was calculated using the (7.09%) comparable APOR based on the date the interest rate was set plus four points. ([Redacted] Stat. 47.20, Subd. 4a). - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6524745 | ||||||||
| XXXXXX-1009 | C | C | C | C | C | A | A | A | Closed | 30270-1004121 | 2025-12-08 05:38 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.61%) published monthly by the [Redacted] Commerce Department. To determine the "loan yield" the system used the greater of the loan's (14.74%) APR, (14.49%) Note Rate, or (14.74%) Fully Indexed Rate. ([Redacted] Stat. 47.20, Subd. 4a; www.mn.gov/commerce/money/industry/interest-rates/) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6524746 | ||||||||
| XXXXXX-1010 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2025-12-10 03:59 | 2025-12-17 06:53 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-proof not a 3rd lien on title. Updated CLTV is now [Redacted]% - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. It shows $[Redacted] is the only active lien. See attached file for full details - Seller-12/16/2025 Open-This is a current 3rd lien , 1st lien is of $[Redacted] and 2nd lien is of $[Redacted] 3rd lien is [Redacted] which is not allowed as per guideline. - Due Diligence Vendor-12/10/2025 |
Ready for Review-Document Uploaded. It shows $56k is the only active lien. See attached file for full details - Seller-12/16/2025 |
Resolved-proof not a 3rd lien on title. Updated CLTV is now [Redacted]% - Due Diligence Vendor-12/17/2025 | [Redacted] | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6562000 | ||||||
| XXXXXX-1010 | C | A | C | A | A | A | A | A | Closed | FCRE4866 | 2025-12-10 04:06 | 2025-12-17 06:53 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-proof not a 3rd lien on title. Updated CLTV is now [Redacted]% - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. It shows $[Redacted] is the only active lien. - Seller-12/16/2025 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted])Lender originator didn't considered any of the lien which reflects on cl transaction report as mortgage modification agreement. - Due Diligence Vendor-12/10/2025 |
Ready for Review-Document Uploaded. It shows $56k is the only active lien. - Seller-12/16/2025 |
Resolved-proof not a 3rd lien on title. Updated CLTV is now [Redacted]% - Due Diligence Vendor-12/17/2025 | [Redacted] | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6562137 | ||||||
| XXXXXX-1011 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1012 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1013 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1014 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1015 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1016 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2025-12-10 04:19 | 2025-12-18 13:35 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received Satisfaction of mortgage - Due Diligence Vendor-12/18/2025 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-12/10/2025 |
Resolved-Received Satisfaction of mortgage - Due Diligence Vendor-12/18/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6562295 | ||||||||
| XXXXXX-1017 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1018 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1019 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-12-08 02:34 | 2025-12-18 13:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received dot - Due Diligence Vendor-12/18/2025 Open-Deed of trust missing in loan file. - Due Diligence Vendor-12/08/2025 |
Resolved-Received dot - Due Diligence Vendor-12/18/2025 | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6523099 | ||||||||
| XXXXXX-1019 | D | A | A | A | D | A | A | A | Closed | 1120 | 2025-12-08 02:34 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open-Under the [Redacted] Residential Mortgage Lending Act the late fee cannot exceed 5% of the past due payment. ([Redacted] Rev. Stat. Ann. 6:1097(B)(2)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6523100 | ||||||||
| XXXXXX-1020 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1021 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1022 | D | A | D | A | A | A | A | A | Closed | FCRE6399 | 2025-12-07 22:53 | 2025-12-18 13:36 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received Satisfaction of mortgage - Due Diligence Vendor-12/18/2025 Open-Title Report shows lien release in place but no lien release is present. Please provide lien release document for the lien of $[Redacted]. - Due Diligence Vendor-12/08/2025 |
Resolved-Received Satisfaction of mortgage - Due Diligence Vendor-12/18/2025 | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6522009 | ||||||||
| XXXXXX-1022 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2025-12-07 23:10 | 2025-12-18 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Received ID document - Due Diligence Vendor-12/18/2025 Open-No Photo ID in File Provided IDOLOGY_SSN report reflects status as "FAIL". - Due Diligence Vendor-12/08/2025 |
Resolved-Received ID document - Due Diligence Vendor-12/18/2025 | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6522106 | ||||||||
| XXXXXX-1023 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-12-08 04:48 | 2025-12-09 14:01 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6524294 | ||||||||
| XXXXXX-1023 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-12-08 04:48 | 2025-12-09 14:01 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6524293 | ||||||||
| XXXXXX-1024 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1025 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1026 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1027 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1028 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1029 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-12-08 06:36 | 2025-12-09 13:59 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6525461 | ||||||||
| XXXXXX-1029 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-12-08 06:36 | 2025-12-09 13:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6525460 | ||||||||
| XXXXXX-1030 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2025-12-10 06:25 | 2025-12-11 08:45 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6563514 | ||||||||
| XXXXXX-1031 | C | A | A | A | C | A | A | A | Closed | 8660-13480 | 2025-12-08 00:00 | 2025-12-08 14:40 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/08/2025 Open-[Redacted]'s Late Charge Provisions prohibit a late fee exceeding 5% of the delinquent installment.([Redacted] Rev. Stat. Sec. 86.165) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/08/2025 |
[Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6522398 | ||||||||
| XXXXXX-1032 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1033 | B | A | B | A | A | A | A | A | Closed | FCRE2021 | 2025-12-09 00:08 | 2025-12-19 06:35 | Acknowledged | 1 - Information | B | A | Credit | Debt | Verified DTI varies from Qualifying DTI by greater than 5% | Acknowledged-lender provided DTI however TPR does not agree as the first lien is not on credit. Both DTIs still qualify. Acknowledged Grade 1 - Due Diligence Vendor-12/19/2025 Ready for Review-The tape shows POSTLINE_DTI = 16.8% and POSTLINE_DTI_DERIVED_INCOME = 16.25%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 =[Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = ([Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME =[Redacted]. - Seller-12/18/2025 Open-TPR Calculated DTI is 23.8%. (Proposed HELOC payment $[Redacted]Originators DTI 16.8%.(Considered revolving at 2%) - Due Diligence Vendor-12/09/2025 |
Ready for Review-The tape shows POSTLINE_DTI = 16.8% and POSTLINE_DTI_DERIVED_INCOME = 16.25%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME =[Redacted] - Seller-12/18/2025 | Acknowledged-lender provided DTI however TPR does not agree as the first lien is not on credit. Both DTIs still qualify. Acknowledged Grade 1 - Due Diligence Vendor-12/19/2025 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6542190 | |||||||
| XXXXXX-1034 | D | A | A | A | A | A | D | A | Closed | FCRE4866 | 2025-12-08 23:02 | 2025-12-19 14:09 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/19/2025 Ready for Review-If no lien found in CL transaction report, we will use the home balance amount in XPN tradeline. The tape shows offer_line_size = [Redacted] and home_balance_amount = [Redacted] and home_value = [Redacted]. POSTLINE_CLTV = (offer_line_size + home_balance_amount) / home_value = [Redacted] - Seller-12/19/2025 Open-TPR calculated CLTV is [Redacted]. % and does not match the Originator CLTV of [Redacted]%. (Subject new HELOC of $[Redacted]). - Due Diligence Vendor-12/09/2025 |
Ready for Review-If no lien found in CL transaction report, we will use the home balance amount in XPN tradeline. The tape shows offer_line_size = [Redacted] and home_balance_amount = [Redacted] and home_value = [Redacted]. POSTLINE_CLTV = (offer_line_size + home_balance_amount) / home_value = [Redacted] - Seller-12/19/2025 | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/19/2025 | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6541868 | |||||||
| XXXXXX-1034 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2025-12-08 22:45 | 2025-12-17 07:41 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-AVM is now present - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. [Redacted] AVM used, see the Estimated Value - Seller-12/16/2025 Open-Provided DT property value report does not reflect property value. - Due Diligence Vendor-12/09/2025 |
Ready for Review-Document Uploaded. [Redacted] AVM used, see the Estimated Value - Seller-12/16/2025 |
Resolved-AVM is now present - Due Diligence Vendor-12/17/2025 | [Redacted] | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6541783 | ||||||
| XXXXXX-1035 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-12-10 04:45 | 2025-12-19 14:09 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/19/2025 Ready for Review-If no lien found in CL transaction report, we will use the home balance amount in XPN tradeline. The tape shows offer_line_size = [Redacted] and home_balance_amount = [Redacted] and home_value = [Redacted]. POSTLINE_CLTV = (offer_line_size + home_balance_amount) / home_value = 0.392[Redacted]0345917 - Seller-12/19/2025 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. (New HELOC of [Redacted])Lender originator considered the balance of $[Redacted], which is not reflects in dt property lien transaction report . - Due Diligence Vendor-12/10/2025 |
Ready for Review-If no lien found in CL transaction report, we will use the home balance amount in XPN tradeline. The tape shows offer_line_size = [Redacted] and home_balance_amount = [Redacted] and home_value = [Redacted]. POSTLINE_CLTV = (offer_line_size + home_balance_amount) / home_value = [Redacted] - Seller-12/19/2025 | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/19/2025 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6562496 | |||||||
| XXXXXX-1036 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-12-09 03:07 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/10/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6543127 | ||||||||
| XXXXXX-1036 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-12-09 03:07 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/10/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6543128 | ||||||||
| XXXXXX-1037 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1038 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1039 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-12-05 00:38 | 2025-12-18 13:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report and it is clear - Due Diligence Vendor-12/18/2025 Open-Missing Third Party Fraud Report SSN is failed and not able to determine persona document. - Due Diligence Vendor-12/05/2025 |
Resolved-Received fraud report and it is clear - Due Diligence Vendor-12/18/2025 | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6497763 | ||||||||
| XXXXXX-1040 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1041 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1042 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1043 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1044 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1045 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1046 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1047 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1048 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1049 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1050 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1051 | C | A | C | A | A | A | A | A | Closed | FCRE4866 | 2025-12-11 06:03 | 2025-12-17 08:00 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-lender sent in proof that [Redacted] lien was released. Lien position now 2nd and CLTV updated to [Redacted]% - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. The [Redacted] lien has been released. See the attached file for full details - Seller-12/16/2025 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted]. The current loan is an 3 lien - Due Diligence Vendor-12/11/2025 |
Ready for Review-Document Uploaded. The [Redacted] lien has been released. See the attached file for full details - Seller-12/16/2025 |
Resolved-lender sent in proof that [Redacted] lien was released. Lien position now 2nd and CLTV updated to [Redacted]% - Due Diligence Vendor-12/17/2025 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6581098 | ||||||
| XXXXXX-1051 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2025-12-11 06:04 | 2025-12-17 08:00 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-lender sent in proof that [Redacted] lien was released. Lien position now 2nd and CLTV updated to [Redacted]% - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. The [Redacted] lien has been released. See the attached file for full details - Seller-12/16/2025 Open-Current Heloc loan is on 3 lien - Due Diligence Vendor-12/11/2025 |
Ready for Review-Document Uploaded. The [Redacted] lien has been released. See the attached file for full details - Seller-12/16/2025 |
Resolved-lender sent in proof that [Redacted] lien was released. Lien position now 2nd and CLTV updated to [Redacted]% - Due Diligence Vendor-12/17/2025 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6581110 | ||||||
| XXXXXX-1052 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2025-12-08 01:59 | 2025-12-09 10:14 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6522940 | ||||||||
| XXXXXX-1053 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1054 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1055 | D | D | A | A | C | A | D | D | Closed | FPRO7549 | 2026-07-07 13:53 | 2026-07-07 13:53 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post close value of [Redacted] did not support origination value. - Due Diligence Vendor-07/07/2026 | Acknowledged-Post close value of 368817 did not support origination value. - Due Diligence Vendor-07/07/2026 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 10103405 | ||||||||
| XXXXXX-1055 | D | D | A | A | C | A | D | D | Closed | FCRE4866 | 2025-12-09 23:01 | 2025-12-19 14:09 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/19/2025 Ready for Review-If no lien found in CL transaction report, we will use the home balance amount in XPN tradeline. The tape shows offer_line_size = [Redacted] and home_balance_amount = [Redacted] and home_value = [Redacted]. POSTLINE_CLTV = (offer_line_size + home_balance_amount) / home_value = [Redacted] - Seller-12/19/2025 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]) - Due Diligence Vendor-12/10/2025 |
Ready for Review-If no lien found in CL transaction report, we will use the home balance amount in XPN tradeline. The tape shows offer_line_size = [Redacted] and home_balance_amount = [Redacted] and home_value = [Redacted]. POSTLINE_CLTV = (offer_line_size + home_balance_amount) / home_value = [Redacted] - Seller-12/19/2025 | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/19/2025 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6560382 | |||||||
| XXXXXX-1055 | D | D | A | A | C | A | D | D | Closed | 71590 | 2025-12-09 22:54 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/10/2025 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) Late charge entries validated from Note Document - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6560345 | ||||||||
| XXXXXX-1056 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1057 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-12-08 04:47 | 2025-12-09 10:08 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/09/2025 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted]). - Due Diligence Vendor-12/08/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 12/09/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/09/2025 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6524283 | |||||||
| XXXXXX-1058 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1059 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2025-12-09 06:27 | 2025-12-17 08:04 | Acknowledged | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Acknowledged-lender acknowledges and still qualifies. TPR accepts acknowledgment - Due Diligence Vendor-12/17/2025 Ready for Review-Acknowledged. $[Redacted] lien was still used during CLTV calculation. - Seller-12/16/2025 Open-Lender has lien position as 1. There is a lien of $[Redacted], which is reflecting same on cl transaction report. Hence considered our lien position as 2 - Due Diligence Vendor-12/09/2025 |
Ready for Review-Acknowledged. $[Redacted] lien was still used during CLTV calculation. - Seller-12/16/2025 | Acknowledged-lender acknowledges and still qualifies. TPR accepts acknowledgment - Due Diligence Vendor-12/17/2025 | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 6544815 | |||||||
| XXXXXX-1060 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2025-12-08 05:20 | 2025-12-18 13:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Received photo id document - Due Diligence Vendor-12/18/2025 Open-No Photo ID in File Photo ID is missing for B1 - Due Diligence Vendor-12/08/2025 |
Resolved-Received photo id document - Due Diligence Vendor-12/18/2025 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6524589 | ||||||||
| XXXXXX-1060 | D | A | D | A | A | A | A | A | Closed | FCRE4866 | 2025-12-08 05:42 | 2025-12-09 09:55 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/09/2025 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. (Subject new HELOC of $[Redacted]). - Due Diligence Vendor-12/08/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 12/09/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/09/2025 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6524781 | |||||||
| XXXXXX-1061 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2025-12-09 04:10 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/09/2025 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6543612 | ||||||||
| XXXXXX-1062 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1063 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1064 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1065 | C | A | A | A | C | A | A | A | Closed | 2400010-HighCost-APR | 2025-12-09 23:46 | 2025-12-17 08:10 | Resolved | 1 - Information | C | A | Compliance | Mavent | HighCost: APR | Resolved-lender sent in correct APR applied at close. this is now resolved. - Due Diligence Vendor-12/17/2025 Ready for Review-As of [Redacted] APR was 0.1049. The 30Y treasury yield as of [Redacted]. So the spread over treasury is [Redacted] which is lower than 6. Please use the APR post auto-pay discount which is applied form the get go. - Seller-12/16/2025 Open-The loan APR (10.74%) exceeds the ([Redacted]) High Cost APR limit, which is (10.64%), the difference is (0.1%). - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Ready for Review-As of [Redacted] APR was 0.1049. The 30Y treasury yield as of [Redacted]. So the spread over treasury is 5.85 which is lower than 6. Please use the APR post auto-pay discount which is applied form the get go. - Seller-12/16/2025 | Resolved-lender sent in correct APR applied at close. this is now resolved. - Due Diligence Vendor-12/17/2025 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6560532 | |||||||
| XXXXXX-1066 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1067 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-12-10 00:05 | 2025-12-18 13:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Received title - Due Diligence Vendor-12/18/2025 Resolved-Title Document is fully Present - Due Diligence Vendor-12/18/2025 Open-Title Document is missing Final Title policy document missing. - Due Diligence Vendor-12/10/2025 |
Resolved-Received title - Due Diligence Vendor-12/18/2025 Resolved-Title Document is fully Present - Due Diligence Vendor-12/18/2025 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6560604 | ||||||||
| XXXXXX-1068 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1069 | C | A | A | A | C | A | A | A | Closed | 57830-62760 | 2025-12-10 05:02 | 2025-12-17 11:20 | Resolved | 1 - Information | C | A | Compliance | Tolerance:APR | Federal - Open-End APR Disclosure Tolerance (TILA) | Resolved-APR at origination provided and High cost is now resolved - Due Diligence Vendor-12/17/2025 Open-The disclosed initial APR (90.49) is higher than the actual initial corresponding APR (9.49). TILA considers a disclosed initial corresponding APR inaccurate if it is more than .125% above the actual initial corresponding APR on an open-end mortgage loan. (12 CFR 1026.14(a)) - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-APR at origination provided and High cost is now resolved - Due Diligence Vendor-12/17/2025 | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6562651 | ||||||||
| XXXXXX-1069 | C | A | A | A | C | A | A | A | Closed | 1000039-1000083 | 2025-12-10 05:02 | 2025-12-17 11:20 | Resolved | 1 - Information | C | A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-APR at origination provided and High cost is now resolved - Due Diligence Vendor-12/17/2025 Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-APR at origination provided and High cost is now resolved - Due Diligence Vendor-12/17/2025 | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6562653 | ||||||||
| XXXXXX-1069 | C | A | A | A | C | A | A | A | Closed | 5000860-HighCost-APR/FEES | 2025-12-10 05:02 | 2025-12-17 09:15 | Resolved | 1 - Information | C | A | Compliance | Mavent | HighCost: APR/FEES | Resolved-APR at close provided and HIgh cost is now cleared. - Due Diligence Vendor-12/17/2025 Ready for Review-As of [Redacted] APR was 0.0949. APOR Spread was 0.0239, which is lower than 6.5. Please use the APR post auto-pay discount which is applied form the get go. - Seller-12/16/2025 Open-The loan APR (90.49%) exceeds the (FED2014) Federal High Cost APR limit, which is (13.6%), the difference is (76.89%). (12 CFR 1026.32). - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Ready for Review-As of [Redacted] APR was 0.0949. APOR Spread was 0.0239, which is lower than 6.5. Please use the APR post auto-pay discount which is applied form the get go. - Seller-12/16/2025 | Resolved-APR at close provided and HIgh cost is now cleared. - Due Diligence Vendor-12/17/2025 | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6562652 | |||||||
| XXXXXX-1070 | A | A | A | A | A | A | A | A | A | A | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1071 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1072 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2025-12-09 21:27 | 2025-12-11 08:45 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6559912 | ||||||||
| XXXXXX-1073 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1074 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1075 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1076 | C | B | A | B | C | A | A | A | Closed | FCRE4866 | 2025-12-11 05:30 | 2025-12-22 06:30 | Acknowledged | 2 - Non-Material | A | B | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Acknowledged-lender acknowledges TPR CLTV calculation and still qualifies - Due Diligence Vendor-12/22/2025 Ready for Review-Acknowledged. CLTV is still within the policy guidelines - Seller-12/19/2025 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted])Lender originator didn't considered the lien of $[Redacted] which reflects on cl transaction report. - Due Diligence Vendor-12/11/2025 |
Ready for Review-Acknowledged. CLTV is still within the policy guidelines - Seller-12/19/2025 | Acknowledged-lender acknowledges TPR CLTV calculation and still qualifies - Due Diligence Vendor-12/22/2025 | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 6580815 | |||||||
| XXXXXX-1076 | C | B | A | B | C | A | A | A | Closed | 1140-450 | 2025-12-11 05:33 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/11/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | ME | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6580839 | ||||||||
| XXXXXX-1077 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1078 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1079 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1080 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1081 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1082 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1083 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-12-08 22:57 | 2025-12-18 13:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received dot - Due Diligence Vendor-12/18/2025 Open-Missing Deed of Trust - Due Diligence Vendor-12/09/2025 |
Resolved-Received dot - Due Diligence Vendor-12/18/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6541849 | ||||||||
| XXXXXX-1084 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1085 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1086 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1087 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2025-12-08 23:44 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6542055 | ||||||||
| XXXXXX-1088 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1089 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1090 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1091 | C | A | A | A | C | A | A | A | Closed | 16530-1003047 | 2025-12-08 01:31 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury Rate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/08/2025 Open-The [Redacted] Interest Statute prohibits an interest rate from exceeding 8%. ([Redacted] Rev. Stat. 360.010) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6522807 | ||||||||
| XXXXXX-1091 | C | A | A | A | C | A | A | A | Closed | 16480-22180 | 2025-12-08 01:31 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Max Late Charge (CLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/08/2025 Open-The [Redacted] Consumer Loan Act prohibits a late fee in excess of the 5% of the past due amount or $10, whichever is greater. ([Redacted] Rev. Stat. 286.4-533) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | KY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6522806 | ||||||||
| XXXXXX-1091 | C | A | A | A | C | A | A | A | Closed | 16470-22170 | 2025-12-08 01:31 | 2025-12-11 14:26 | Resolved | 1 - Information | A | A | Compliance | LoanTerm:TermLimits | [Redacted] - Max Loan Term (Loans > $3,000)(CLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Rescinded-na - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/08/2025 Open-The [Redacted] Consumer Loan Act prohibits a loan term greater than 120 months for a loan greater than $3,000. ([Redacted] Rev. Stat. 286.4-580(2)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Rescinded-na - Due Diligence Vendor-12/11/2025 |
[Redacted] | KY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6522805 | ||||||||
| XXXXXX-1092 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1093 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1094 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1095 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-12-08 09:57 | 2025-12-18 13:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received dot - Due Diligence Vendor-12/18/2025 Open-Missing Deed of Trust - Due Diligence Vendor-12/08/2025 |
Resolved-Received dot - Due Diligence Vendor-12/18/2025 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6530258 | ||||||||
| XXXXXX-1095 | D | A | A | A | D | A | A | A | Closed | 22700-28700 | 2025-12-07 23:27 | 2025-12-09 10:17 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/08/2025 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6522209 | ||||||||
| XXXXXX-1096 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1097 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1098 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1099 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-12-08 02:18 | 2025-12-09 10:00 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6523004 | ||||||||
| XXXXXX-1099 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-12-08 02:18 | 2025-12-09 10:00 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6523005 | ||||||||
| XXXXXX-1100 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1101 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1102 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1103 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2025-12-08 02:42 | 2025-12-09 10:18 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/08/2025 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6523146 | ||||||||
| XXXXXX-1104 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2025-12-08 04:13 | 2025-12-18 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Received photo id document - Due Diligence Vendor-12/18/2025 Open-No Photo ID in File Missing IDOLOGY_SSN report in the file. - Due Diligence Vendor-12/08/2025 |
Resolved-Received photo id document - Due Diligence Vendor-12/18/2025 | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6523792 | ||||||||
| XXXXXX-1105 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1106 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2025-12-08 04:37 | 2025-12-08 14:12 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/08/2025 Open-TPR calculated CLTV is [Redacted] % and does not match the Originator CLTV of [Redacted]%. ([Redacted]=25.18% Note: Lender considered lien $[Redacted] in credit report but is not in cltransaction - Due Diligence Vendor-12/08/2025 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 12/08/2025 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-12/08/2025 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6524118 | |||||||
| XXXXXX-1107 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1108 | A | A | A | A | A | A | A | A | A | A | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1109 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1110 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1111 | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2025-12-09 07:35 | 2025-12-17 09:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-lender addressed income calc. B1 income was sufficient. B2 has been moved to stated per TPR - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. B1 income is enough to cover the DTI calculation, gross annual income is $[Redacted]. Income verified via Work number. - Seller-12/16/2025 Open-Missing income documentation for borrower 2 - Due Diligence Vendor-12/09/2025 |
Ready for Review-Document Uploaded. B1 income is enough to cover the DTI calculation, gross annual income is $[Redacted]. Income verified via Work number. - Seller-12/16/2025 |
Resolved-lender addressed income calc. B1 income was sufficient. B2 has been moved to stated per TPR - Due Diligence Vendor-12/17/2025 | [Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6545858 | ||||||
| XXXXXX-1112 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1113 | C | A | A | A | C | A | A | A | Closed | 54350-56990 | 2025-12-09 02:13 | 2025-12-11 08:47 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Charge (FCCLP) | Resolved-"The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. Edit Delete" - Due Diligence Vendor-12/11/2025 Open-Under the [Redacted] Financial Corporations Conventional Loan Provisions, the late charge may not exceed the greater of 5% of the delinquent payment or ($9.88). ([Redacted] Stat. 47.20, Subd. 6b; 47.59, Subd. 6(a)(4)) - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
Resolved-"The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. Edit Delete" - Due Diligence Vendor-12/11/2025 |
[Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6542773 | ||||||||
| XXXXXX-1114 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2025-12-08 05:56 | 2025-12-09 14:00 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6524901 | ||||||||
| XXXXXX-1114 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2025-12-08 05:56 | 2025-12-09 14:00 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/09/2025 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6524900 | ||||||||
| XXXXXX-1115 | C | B | A | B | C | A | A | A | Closed | FCRE4866 | 2025-12-09 03:01 | 2025-12-22 06:31 | Acknowledged | 2 - Non-Material | A | B | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Acknowledged-lender acknowledges TPR CLTV calculation and still qualifies - Due Diligence Vendor-12/22/2025 Ready for Review-If no lien found in CL transaction report, we will use the home balance amount in XPN tradeline. The tape shows offer_line_size = [Redacted] and home_balance_amount = [Redacted] and home_value = [Redacted]. POSTLINE_CLTV = (offer_line_size + home_balance_amount) / home_value = [Redacted] - Seller-12/19/2025 Open-TPR calculated CLTV is [Redacted] % and does not match the Originator CLTV of [Redacted]%. (Subject new HELOC of $[Redacted]=2.68% Note: Lender considered lien [Redacted] in credit report but is not in cltransaction - Due Diligence Vendor-12/09/2025 |
Ready for Review-If no lien found in CL transaction report, we will use the home balance amount in XPN tradeline. The tape shows offer_line_size = [Redacted] and home_balance_amount = [Redacted] and home_value = [Redacted]. POSTLINE_CLTV = (offer_line_size + home_balance_amount) / home_value = [Redacted] - Seller-12/19/2025 | Acknowledged-lender acknowledges TPR CLTV calculation and still qualifies - Due Diligence Vendor-12/22/2025 | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 6543048 | |||||||
| XXXXXX-1115 | C | B | A | B | C | A | A | A | Closed | 5000860-HighCost-APR/FEES | 2025-12-09 02:58 | 2025-12-17 11:22 | Resolved | 1 - Information | C | A | Compliance | Mavent | HighCost: APR/FEES | Resolved-High cost now cleared due to correct APR provided - Due Diligence Vendor-12/17/2025 Resolved-High cost resolved based on correct APR provided from origination - Due Diligence Vendor-12/17/2025 Ready for Review-As of [Redacted] APR was 0.1349. APOR Spread was 0.064, which is lower than 6.5. Please use the APR post auto-pay discount which is applied form the get go. - Seller-12/16/2025 Open-The loan APR (13.74%) exceeds the (FED2014) Federal High Cost APR limit, which is (13.52%), the difference is (0.22%). (12 CFR 1026.32). - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
Ready for Review-As of [Redacted] APR was 0.1349. APOR Spread was 0.064, which is lower than 6.5. Please use the APR post auto-pay discount which is applied form the get go. - Seller-12/16/2025 | Resolved-High cost now cleared due to correct APR provided - Due Diligence Vendor-12/17/2025 Resolved-High cost resolved based on correct APR provided from origination - Due Diligence Vendor-12/17/2025 |
[Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6543026 | |||||||
| XXXXXX-1115 | C | B | A | B | C | A | A | A | Closed | 2400010-HighCost-APR | 2025-12-09 02:58 | 2025-12-17 11:22 | Resolved | 1 - Information | C | A | Compliance | Mavent | HighCost: APR | Resolved-High cost now cleared due to correct APR provided - Due Diligence Vendor-12/17/2025 Resolved-High cost resolved based on correct APR provided from origination - Due Diligence Vendor-12/17/2025 Ready for Review-As of [Redacted] APR was 0.1349. APOR Spread was 0.064, which is lower than 6.5. Please use the APR post auto-pay discount which is applied form the get go. - Seller-12/16/2025 Open-The loan APR (13.74%) exceeds the (GA2014) High Cost APR limit, which is (13.52%), the difference is (0.22%). - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
Ready for Review-As of [Redacted] APR was 0.1349. APOR Spread was 0.064, which is lower than 6.5. Please use the APR post auto-pay discount which is applied form the get go. - Seller-12/16/2025 | Resolved-High cost now cleared due to correct APR provided - Due Diligence Vendor-12/17/2025 Resolved-High cost resolved based on correct APR provided from origination - Due Diligence Vendor-12/17/2025 |
[Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6543027 | |||||||
| XXXXXX-1115 | C | B | A | B | C | A | A | A | Closed | 1000039-1000083 | 2025-12-09 02:58 | 2025-12-17 11:22 | Resolved | 1 - Information | C | A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-High cost now cleared due to correct APR provided - Due Diligence Vendor-12/17/2025 Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) - Due Diligence Vendor-12/09/2025 Open- - Due Diligence Vendor-12/09/2025 |
Resolved-High cost now cleared due to correct APR provided - Due Diligence Vendor-12/17/2025 | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6543028 | ||||||||
| XXXXXX-1116 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1117 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1118 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1119 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1120 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1121 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1122 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-12-05 02:58 | 2025-12-18 13:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/18/2025 Open- - Due Diligence Vendor-12/05/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/18/2025 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6498670 | ||||||||
| XXXXXX-1123 | C | A | A | A | C | A | A | A | Closed | 2400010-HighCost-APR | 2025-12-09 23:32 | 2025-12-17 10:50 | Resolved | 1 - Information | C | A | Compliance | Mavent | HighCost: APR | Resolved-APR at close was provided and High cost was resolved. - Due Diligence Vendor-12/17/2025 Resolved- - Due Diligence Vendor-12/17/2025 Ready for Review-As of [Redacted] APR was 0.1199. The 10Y treasury yield as of [Redacted] is 4.05. So the spread over treasury is 7.94 which is lower than 8. Please use the APR post auto-pay discount which is applied form the get go. - Seller-12/16/2025 Open-The loan APR (12.24%) exceeds the ([Redacted]) High Cost APR limit, which is (12.05%), the difference is (0.19%). - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Ready for Review-As of [Redacted] APR was 0.1199. The 10Y treasury yield as of [Redacted] is 4.05. So the spread over treasury is 7.94 which is lower than 8. Please use the APR post auto-pay discount which is applied form the get go. - Seller-12/16/2025 | Resolved-APR at close was provided and High cost was resolved. - Due Diligence Vendor-12/17/2025 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6560486 | |||||||
| XXXXXX-1123 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2025-12-09 23:32 | 2025-12-17 10:43 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Open- - Due Diligence Vendor-12/17/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/10/2025 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/10/2025 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6560485 | ||||||||
| XXXXXX-1123 | C | A | A | A | C | A | A | A | Closed | 10440-15860 | 2025-12-09 23:32 | 2025-12-11 14:26 | Resolved | 1 - Information | A | A | Compliance | Predatory:DebtRatio | [Redacted] - Maximum Debt Ratio (Cook County) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Rescinded-na - Due Diligence Vendor-12/11/2025 Open-Under the Cook County, [Redacted] Predatory Lending Ordinance, the borrower's maximum debt to income ratio must be less than or equal to 50%. (Cook Co. Ord. 34-341) - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Rescinded-na - Due Diligence Vendor-12/11/2025 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6560484 | ||||||||
| XXXXXX-1124 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2025-12-07 22:28 | 2025-12-11 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6521854 | ||||||||
| XXXXXX-1125 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1126 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1127 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1128 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-12-08 04:34 | 2025-12-18 13:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/18/2025 Resolved-Received title policy - Due Diligence Vendor-12/18/2025 Open-Title Document is missing Final Title policy is missing in file loan amount is > [Redacted]. - Due Diligence Vendor-12/08/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-12/18/2025 Resolved-Received title policy - Due Diligence Vendor-12/18/2025 |
[Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6524070 | ||||||||
| XXXXXX-1128 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2025-12-08 04:54 | 2025-12-18 13:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Received photo ID document - Due Diligence Vendor-12/18/2025 Open-No Photo ID in File Missing IDOLOGY_SSN report in the file. - Due Diligence Vendor-12/08/2025 |
Resolved-Received photo ID document - Due Diligence Vendor-12/18/2025 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6524356 | ||||||||
| XXXXXX-1129 | C | A | A | A | C | A | A | A | Closed | 8660-13480 | 2025-12-10 04:34 | 2025-12-11 06:57 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 Open- - Due Diligence Vendor-12/11/2025 Open-[Redacted]'s Late Charge Provisions prohibit a late fee exceeding 5% of the delinquent installment.([Redacted] Rev. Stat. Sec. 86.165) - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/10/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/11/2025 |
[Redacted] | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6562392 | ||||||||
| XXXXXX-1130 | D | A | A | A | D | A | A | A | Closed | FCOM4283 | 2025-12-11 04:10 | 2025-12-18 13:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received DOT - Due Diligence Vendor-12/18/2025 Open-Deed of Trust missing in file - Due Diligence Vendor-12/11/2025 |
Resolved-Received DOT - Due Diligence Vendor-12/18/2025 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6580236 | ||||||||
| XXXXXX-1131 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1132 | C | A | C | A | A | A | A | A | Closed | FCRE9806 | 2025-12-10 11:08 | 2025-12-17 11:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Other Credit Finding | Resolved-proof lien is active now present - Due Diligence Vendor-12/17/2025 Ready for Review-Document Uploaded. First lien is still active and it was also used in CLTV calculation - Seller-12/16/2025 Open-The first mortgage of the subject property is closed per the credit report but active per the tape date and title search. Please provide an updated document to validate the current active status of the subject property senior lien. - Due Diligence Vendor-12/10/2025 |
Ready for Review-Document Uploaded. First lien is still active and it was also used in CLTV calculation - Seller-12/16/2025 |
Resolved-proof lien is active now present - Due Diligence Vendor-12/17/2025 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6570725 | ||||||
| XXXXXX-102 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-103 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-104 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2025-12-08 01:00 | 2025-12-10 06:42 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/10/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/10/2025 Open- - Due Diligence Vendor-12/08/2025 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-12/08/2025 Open- - Due Diligence Vendor-12/08/2025 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/10/2025 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-12/10/2025 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6522674 | ||||||||
| XXXXXX-1133 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1134 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1135 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1136 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1137 | C | A | C | A | A | A | A | A | Closed | FCRE1188 | 2026-01-15 23:36 | 2026-01-20 09:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds AUS CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/20/2026 Open- TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. (Subject new HELOC of [Redacted]) - Due Diligence Vendor-01/16/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/20/2026 | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7129910 | ||||||||
| XXXXXX-1138 | C | A | C | A | A | A | A | A | Closed | FCRE1196 | 2026-01-16 00:23 | 2026-01-20 09:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/20/2026 Open- TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. (Subject new HELOC of[Redacted].) - Due Diligence Vendor-01/16/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/20/2026 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7130190 | ||||||||
| XXXXXX-1139 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1140 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1141 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1142 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1143 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1144 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1145 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1146 | C | A | A | A | C | A | A | A | Closed | 8610-13390 | 2026-01-16 03:44 | 2026-01-20 13:53 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/16/2026 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7131421 | ||||||||
| XXXXXX-1146 | C | A | A | A | C | A | A | A | Closed | 63420-76210 | 2026-01-16 03:44 | 2026-01-20 13:53 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/16/2026 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($198.84), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7131422 | ||||||||
| XXXXXX-1147 | A | C | A | C | A | A | A | A | Closed | FCRE1601 | 2026-01-22 08:31 | 2026-07-21 16:33 | Acknowledged | 3 - Material | A | C | Credit | Eligibility | Lien Position >=2 and Other Lien Position <> BLANK or N/A | Acknowledged-[Redacted] provided as of [Redacted]show 2 open liens ahead of subject lien. Also both liens are open on credit report. This puts subject lien in 3rdThis puts subject lien in 3rd position which is not allowed per Investor Overlay - Due Diligence Vendor-02/05/2026 Open-Lien position is found to be 3rd. As CL Property Report is showing HELOC of $[Redacted] taken - [Redacted]and Mortgage of [Redacted] taken [Redacted] both of which are reflected on Credit. - Due Diligence Vendor-01/22/2026 |
Acknowledged-[Redacted] provided as of [Redacted] show 2 open liens ahead of subject lien. Also both liens are open on credit report. This puts subject lien in 3rdThis puts subject lien in 3rd position which is not allowed per Investor Overlay - Due Diligence Vendor-02/05/2026 | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | 7241544 | ||||||||
| XXXXXX-1147 | A | C | A | C | A | A | A | A | Closed | FCRE4866 | 2026-01-22 04:42 | 2026-02-05 15:20 | Acknowledged | 3 - Material | A | C | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Acknowledged-[Redacted] provided as of 2/3/2026 show 2 open liens ahead of subject lien. Also both liens are open on credit report. This puts subject lien in 3rdThis puts subject lien in 3rd position which is not allowed per Investor Overlay - Due Diligence Vendor-02/05/2026 Counter-lender working on title lien position issue. - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. Based on the [Redacted] Report, all the existing mortgages have been released and can be mapped one to one. However, we have a mortgage release of $[Redacted] , which would map to either the $[Redacted] mortgage or a combination of both $[Redacted] and $[Redacted] mortgage. So, even if we remain conservative and assume that the $[Redacted] release of mortgage maps to the $[Redacted], [Redacted] would still be in Second lien position with the new HELOC of $[Redacted]. Also, the CLTV is well within the max guideline CLTV. See attached [Redacted] report. - Seller-02/04/2026 Counter-need a [Redacted] to show the [Redacted] lien on title taken out [Redacted] that is active and open on credit. Without proof of this lien being released, this is considered a 3rd lien and does not qualify as such - Due Diligence Vendor-01/30/2026 Ready for Review-New HELOC [Redacted] + First Lien K balance (UWM) of [Redacted] Value. Theres no other balance that's a mortgage balance on the credit report or [Redacted] that's an open lien. - Seller-01/29/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. (Subject new HELOC of $[Redacted]) - Current Mortgage balance of $[Redacted] was updated to match the tape and is lower than that reflected on credit report. - Due Diligence Vendor-01/22/2026 |
[Redacted] This is likely a lien unrelated to the property.. none of [Redacted] or [Redacted]. are anywhere on the title chain. It might have been a clerical mistake on the property that's being rectified. Thank you [Redacted] - 02/05/2026 Ready for Review-Document Uploaded. Based on the [Redacted] Report, all the existing mortgages have been released and can be mapped one to one. However, we have a mortgage release of $[Redacted] , which would map to either the $[Redacted] mortgage or a combination of both $[Redacted] and $[Redacted] mortgage. So, even if we remain conservative and assume that the $[Redacted] release of mortgage maps to the $[Redacted], [Redacted] would still be in Second lien position with the new HELOC of $[Redacted]. Also, the CLTV is well within the max guideline CLTV. See attached [Redacted] report. - Seller-02/04/2026 Ready for Review-New HELOC [Redacted] + First Lien K balance (UWM) of [Redacted] Value. Theres no other balance that's a mortgage balance on the credit report or [Redacted] that's an open lien. - Seller-01/29/2026 |
Acknowledged-[Redacted] provided as of 2/3/2026 show 2 open liens ahead of subject lien. Also both liens are open on credit report. This puts subject lien in 3rdThis puts subject lien in 3rd position which is not allowed per Investor Overlay - Due Diligence Vendor-02/05/2026 | [Redacted] | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 7237529 | ||||||
| XXXXXX-1148 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-01-16 02:31 | 2026-01-20 13:53 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7130798 | ||||||||
| XXXXXX-1148 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-01-16 02:31 | 2026-01-20 13:53 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7130797 | ||||||||
| XXXXXX-1149 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2026-01-21 21:08 | 2026-01-22 16:35 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7232848 | ||||||||
| XXXXXX-1150 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1151 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1152 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-01-16 03:44 | 2026-01-20 13:53 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7131403 | ||||||||
| XXXXXX-1152 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-01-16 03:44 | 2026-01-20 13:53 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7131404 | ||||||||
| XXXXXX-1153 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1154 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1155 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1156 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1157 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-01-16 06:34 | 2026-01-20 13:53 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7134153 | ||||||||
| XXXXXX-1158 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1159 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1160 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1161 | A | B | A | B | A | A | A | A | Closed | FCRE1601 | 2026-01-20 05:11 | 2026-01-30 08:38 | Acknowledged | 2 - Non-Material | A | B | Credit | Eligibility | Lien Position >=2 and Other Lien Position <> BLANK or N/A | Acknowledged-there was already a final title provided and shows the lien in question is on subject. TPR disagrees with lien position 1 and acknowledges this as a grade 2 as it still meets qualification. - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. Those liens appear to be on a different property. CL pulled post-facto, show [Redacted] to be in lien position 1. Please see attached - Seller-01/29/2026 Open-TPR found Lien Position is 2 as tradeline 6 on credit shows initial lien reflected on CL transaction history as closed on [Redacted] but line 17 on credit shows the “re-opening” of lien not recorded on title - new lien is 360 months on 8-21-2020 - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. Those liens appear to be on a different property. CL pulled post-facto, show [Redacted] to be in lien position 1. Please see attached - Seller-01/29/2026 | Acknowledged-there was already a final title provided and shows the lien in question is on subject. TPR disagrees with lien position 1 and acknowledges this as a grade 2 as it still meets qualification. - Due Diligence Vendor-01/30/2026 | [Redacted] | [Redacted] | NH | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7175296 | ||||||
| XXXXXX-1162 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1163 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1164 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1165 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1166 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1167 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1168 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1169 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1170 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1171 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2026-01-16 00:09 | 2026-01-20 09:31 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/20/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. (Subject new HELOC of $[Redacted]). - Due Diligence Vendor-01/20/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/20/2026 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7130114 | ||||||||
| XXXXXX-1172 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1173 | D | D | A | A | C | A | D | D | Closed | FPRO7549 | 2026-02-05 11:29 | 2026-02-05 11:29 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post close value of $[Redacted] did not support value. - Due Diligence Vendor-02/05/2026 |
Acknowledged-Post close value of $[Redacted] did not support value. - Due Diligence Vendor-02/05/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 7473114 | ||||||||
| XXXXXX-1173 | D | D | A | A | C | A | D | D | Closed | 2640-1003357 | 2026-01-16 04:43 | 2026-01-20 13:53 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7131875 | ||||||||
| XXXXXX-1173 | D | D | A | A | C | A | D | D | Closed | 1001200-1003360 | 2026-01-16 04:43 | 2026-01-20 13:53 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7131877 | ||||||||
| XXXXXX-1174 | C | A | A | A | C | A | A | A | Closed | 1001469-1004142 | 2026-01-19 23:42 | 2026-01-20 13:53 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7173388 | ||||||||
| XXXXXX-1175 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1176 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1177 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1178 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1179 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1180 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1181 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1182 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-01-20 22:18 | 2026-02-05 07:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-lender provided FEMA maps and verified zone x - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. See attached file from FEMA for the Flood Zone X - Seller-02/03/2026 Counter-need cert please upload document you used to verify zone - Due Diligence Vendor-01/29/2026 Ready for Review-The property falls under Flood Zone X, and hence no flood insurance certificate is required. - Seller-01/28/2026 Open-Provided CL property report reflecting flood Zone as "NO FLOOD DATA AVAILABLE". - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. See attached file from FEMA for the Flood Zone X - Seller-02/03/2026 Ready for Review-The property falls under Flood Zone X, and hence no flood insurance certificate is required. - Seller-01/28/2026 |
Resolved-lender provided FEMA maps and verified zone x - Due Diligence Vendor-02/05/2026 | [Redacted] | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7195609 | ||||||
| XXXXXX-1183 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1184 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-01-20 22:59 | 2026-01-22 16:35 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7195931 | ||||||||
| XXXXXX-1185 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-01-20 20:59 | 2026-02-05 07:37 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-lien release now present - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. ([Redacted]): Paid off on [Redacted]. Our team called the lender and ehe lender confirmed the account is paid in full. Attached - Seller-02/04/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. ([Redacted]): Paid off on [Redacted]. Our team called the lender and ehe lender confirmed the account is paid in full. Attached - Seller-02/04/2026 | Resolved-lien release now present - Due Diligence Vendor-02/05/2026 | [Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7194517 | ||||||
| XXXXXX-1186 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1187 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1188 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1189 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1190 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1191 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1192 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-01-20 04:12 | 2026-01-20 10:31 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7174730 | ||||||||
| XXXXXX-1192 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-01-20 04:12 | 2026-01-20 10:31 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7174729 | ||||||||
| XXXXXX-1193 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1194 | C | B | A | A | C | B | A | A | Closed | 5000860-HighCost-APR/FEES | 2026-01-20 02:41 | 2026-02-06 10:32 | Cured | 2 - Non-Material | C | B | Compliance | Mavent | HighCost: APR/FEES | Cured-Document Uploaded. - Due Diligence Vendor-02/06/2026 Cured-Lender provided client statement showing loan was modified to a simple interest 180 month loan at 11.99% APR. Pass High cost threshold so finding is now considered CURED - Due Diligence Vendor-02/06/2026 Ready for Review-Document Uploaded. "It is not a federal high cost loan. Lien Position 2. A 13.24 APR 30 year fixed rate product, originated on 11/20/2025. APOR spread as of 11/20/2025 is 7.01, which is lower than 8.5 threshold for a subordinate lien. A balance of 14695 from prequalification soft pull report attributed as a mortgage. Hence this is treated as a 2nd lien for HCM purposes. See attached CFBP Rate Spread calc pdf as of 11/20" - Seller-02/03/2026 Counter-The offer date we have for this loan is 11/20/25 and APOR was 6.7 so max Fed threshold would be 13.12%. APR of 13.24 exceeds that amount. - Due Diligence Vendor-01/27/2026 Ready for Review-As of 11/26/2025 APR was 0.1324. APOR Spread was 0.0635, which is lower than 6.5. Please use the APR post auto-pay discount which is applied form the get go. - Seller-01/27/2026 Open-The loan APR (13.24%) exceeds the (FED2014) Federal High Cost APR limit, which is (13.12%), the difference is (0.12%). (12 CFR 1026.32). - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 Open-The loan APR (13.49%) exceeds the (FED2014) Federal High Cost APR limit, which is (13.39%), the difference is (0.1%). (12 CFR 1026.32). - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Please find attached the first statement of this borrower, which shows they ended up taking a 11.99%, 15-year fixed plan for this account. Also uploaded the cfbp rate calculator spread with fixed rate,15 yr as of 11/20/2025 that shows the Rate spread is 6.31 % which is lower than 6.5%. - 02/06/2026 Ready for Review-Document Uploaded. "It is not a federal high cost loan. Lien Position 2. A 13.24 APR 30 year fixed rate product, originated on 11/20/2025. APOR spread as of 11/20/2025 is 7.01, which is lower than 8.5 threshold for a subordinate lien. A balance of 14695 from prequalification soft pull report attributed as a mortgage. Hence this is treated as a 2nd lien for HCM purposes. See attached CFBP Rate Spread calc pdf as of 11/20" - Seller-02/03/2026 Ready for Review-As of 11/26/2025 APR was 0.1324. APOR Spread was 0.0635, which is lower than 6.5. Please use the APR post auto-pay discount which is applied form the get go. - Seller-01/27/2026 |
Cured-Document Uploaded. - Due Diligence Vendor-02/06/2026 Cured-Lender provided client statement showing loan was modified to a simple interest 180 month loan at 11.99% APR. Pass High cost threshold so finding is now considered CURED - Due Diligence Vendor-02/06/2026 |
[Redacted] | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7174141 | ||||||
| XXXXXX-1194 | C | B | A | A | C | B | A | A | Closed | FCRE4866 | 2026-01-20 02:42 | 2026-01-23 06:17 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/23/2026 Ready for Review-Home Balance: [Redacted] [Redacted] Line Size: [Redacted] AVM: [Redacted] CLTV calcs: ([Redacted]- Seller-01/20/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted]). - Due Diligence Vendor-01/20/2026 |
Ready for Review-Home Balance: [Redacted] Aven Line Size: [Redacted] AVM: [Redacted] CLTV calcs: ([Redacted]% - Seller-01/20/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/23/2026 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7174143 | |||||||
| XXXXXX-1195 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1196 | C | A | A | A | C | A | A | A | Closed | FCRE4866 | 2026-01-16 05:54 | 2026-01-23 06:22 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. $[Redacted] lien is still active, the open date & loan amount in Experian and [Redacted] matched - Seller-01/20/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV [Redacted]%. ([Redacted]) Originator included FHA mortgage on credit of $[Redacted] which is not reflected in CL transaction history and does not match the finding of lien position 1. - Due Diligence Vendor-01/20/2026 |
Ready for Review-Document Uploaded. $[Redacted] lien is still active, the open date & loan amount in Experian and [Redacted] matched - Seller-01/20/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/23/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7133622 | ||||||
| XXXXXX-1197 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1198 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1199 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1200 | C | A | A | A | C | A | A | A | Closed | 1140-450 | 2026-01-20 00:13 | 2026-01-20 10:34 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7173558 | ||||||||
| XXXXXX-1201 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2026-01-21 04:10 | 2026-01-22 09:12 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Open- - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 Resolved- The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved- The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 |
[Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7197561 | ||||||||
| XXXXXX-1202 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1203 | C | B | A | B | C | A | A | A | Closed | FCRE4866 | 2026-01-20 22:58 | 2026-01-30 08:39 | Acknowledged | 2 - Non-Material | A | B | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Acknowledged-lender acknowledges the CLTV variation and both qualify. - Due Diligence Vendor-01/30/2026 Ready for Review-Acknowledged. it is a home improvement loan and its not a lien. This refinement has not yet been built into our algo. - Seller-01/29/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted]) Originator added a home improvement loan on credit which is not reflected in title. - Due Diligence Vendor-01/21/2026 |
Ready for Review-Acknowledged. it is a home improvement loan and its not a lien. This refinement has not yet been built into our algo. - Seller-01/29/2026 | Acknowledged-lender acknowledges the CLTV variation and both qualify. - Due Diligence Vendor-01/30/2026 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7195919 | |||||||
| XXXXXX-1203 | C | B | A | B | C | A | A | A | Closed | 890-210 | 2026-01-20 22:59 | 2026-01-21 09:28 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (DRE) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/21/2026 Open-The ($29.00) late fee amount or (0.0%) late fee percent exceed the [Redacted] Real Estate Law threshold. Under the [Redacted] Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. ([Redacted] Bus. & Prof. Code 10242.5) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/21/2026 |
[Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7195928 | ||||||||
| XXXXXX-1204 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1205 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1206 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1207 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-01-19 23:01 | 2026-01-23 06:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Photo ID in File correct Photo ID is missing for B1 or B2 - Due Diligence Vendor-01/23/2026 Resolved-lender verified ID via security personal questions - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. See column C for the full results - Seller-01/20/2026 Open-No Photo ID in File Missing IDOLOGY_SSN report in the file. - Due Diligence Vendor-01/20/2026 |
Ready for Review-Document Uploaded. See column C for the full results - Seller-01/20/2026 | Resolved-Photo ID in File correct Photo ID is missing for B1 or B2 - Due Diligence Vendor-01/23/2026 Resolved-lender verified ID via security personal questions - Due Diligence Vendor-01/23/2026 |
[Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7173207 | ||||||
| XXXXXX-1208 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1209 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1210 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1211 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1212 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1213 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-01-21 00:09 | 2026-01-22 09:11 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 |
[Redacted] | IN | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7196285 | ||||||||
| XXXXXX-1214 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1215 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-01-21 00:38 | 2026-01-29 06:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-ID now present - Due Diligence Vendor-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/28/2026 Open-No Photo ID in File Provided IDOLOGY_SSN report reflects status as "FAIL". - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. - Seller-01/28/2026 | Resolved-ID now present - Due Diligence Vendor-01/29/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7196458 | ||||||
| XXXXXX-1216 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1217 | D | D | A | A | A | A | D | D | Closed | FPRO7549 | 2026-02-05 11:30 | 2026-02-05 11:30 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post close value of $[Redacted]did not support value. - Due Diligence Vendor-02/05/2026 | Acknowledged-Post close value of $[Redacted] did not support value. - Due Diligence Vendor-02/05/2026 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7473179 | ||||||||
| XXXXXX-1217 | D | D | A | A | A | A | D | D | Closed | FCRE4866 | 2026-01-21 03:14 | 2026-01-22 09:19 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/22/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted])Lender originator considered the lien balance of $[Redacted] which is not reflecting in CL transaction report. - Due Diligence Vendor-01/21/2026 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance - 01/22/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/22/2026 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7197189 | |||||||
| XXXXXX-1218 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1219 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1220 | C | A | A | A | C | A | A | A | Closed | 2420 | 2026-01-21 03:42 | 2026-01-22 16:35 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-Under the [Redacted] Interest and Usury Provisions, the maximum late fee may not exceed $2 or 5%, whichever is greater. ([Redacted] COML 12-105(b)(3)) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7197393 | ||||||||
| XXXXXX-1221 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2026-01-21 03:47 | 2026-01-22 09:20 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-The (13.74%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.87%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 |
[Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7197437 | ||||||||
| XXXXXX-1222 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1223 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1224 | C | A | A | A | C | A | A | A | Closed | 1001469-1004142 | 2026-01-21 04:47 | 2026-01-22 16:35 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7197935 | ||||||||
| XXXXXX-1225 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-01-21 05:06 | 2026-01-22 16:35 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7198130 | ||||||||
| XXXXXX-1225 | C | A | A | A | C | A | A | A | Closed | FCRE4866 | 2026-01-21 05:07 | 2026-01-22 07:30 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/22/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted]. - Due Diligence Vendor-01/21/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/22/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7198135 | ||||||||
| XXXXXX-1226 | C | B | C | B | A | A | A | A | Closed | FCRE1196 | 2026-01-16 04:25 | 2026-01-30 09:14 | Acknowledged | 2 - Non-Material | C | B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/30/2026 Ready for Review-Acknowledged. We included the sole open mortgage in the credit report - as a conservative rule. And yet, we complied with regulation as if there were no other lien. CLTV still within policy guidelines. - Seller-01/29/2026 Open- TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted]) Originator included mortgage showing on credit for $[Redacted] but it is not listed on CL Transaction history. - Due Diligence Vendor-01/20/2026 |
Ready for Review-Acknowledged. We included the sole open mortgage in the credit report - as a conservative rule. And yet, we complied with regulation as if there were no other lien. CLTV still within policy guidelines. - Seller-01/29/2026 | Acknowledged-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-01/30/2026 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes | 7131743 | |||||||
| XXXXXX-1227 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1228 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1229 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-01-20 05:07 | 2026-01-22 16:35 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/21/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7175257 | ||||||||
| XXXXXX-1230 | C | A | A | A | C | A | A | A | Closed | 1001469-1004142 | 2026-01-16 04:58 | 2026-01-20 13:53 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7132029 | ||||||||
| XXXXXX-1231 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1232 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-01-20 21:37 | 2026-02-05 07:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-02/05/2026 Resolved-Jr title now present, legal was not attached but property address matches - Due Diligence Vendor-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/28/2026 Open-Title Document is missing Final Title policy is missing. - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. - Seller-01/28/2026 | Resolved-Title Document is fully Present - Due Diligence Vendor-02/05/2026 Resolved-Jr title now present, legal was not attached but property address matches - Due Diligence Vendor-01/29/2026 |
[Redacted] | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7195203 | ||||||
| XXXXXX-1232 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-01-20 21:37 | 2026-02-05 07:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/05/2026 Resolved-taxes now present - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. See attached file for taxes - Seller-02/03/2026 Counter-this does not have taxes listed, it is blank and does not state borrower has exemptions. need taxes or provide tax exemptions - Due Diligence Vendor-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/28/2026 Open-Missing Evidence of Property Tax - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. See attached file for taxes - Seller-02/03/2026 Ready for Review-Document Uploaded. - Seller-01/28/2026 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/05/2026 Resolved-taxes now present - Due Diligence Vendor-02/05/2026 |
[Redacted] | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7195204 | ||||||
| XXXXXX-1233 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1234 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1235 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1236 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1237 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1238 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1239 | C | A | A | A | C | A | A | A | Closed | 54350-56990 | 2026-01-20 20:57 | 2026-01-22 16:39 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Charge (FCCLP) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-Under the [Redacted] Financial Corporations Conventional Loan Provisions, the late charge may not exceed the greater of 5% of the delinquent payment or ($9.88). ([Redacted] Stat. 47.20, Subd. 6b; 47.59, Subd. 6(a)(4)) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7194506 | ||||||||
| XXXXXX-1239 | C | A | A | A | C | A | A | A | Closed | 30270-1004233 | 2026-01-20 20:57 | 2026-01-22 16:35 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.87%). To determine the "loan yield" the system used the greater of the loan's (11.49%) APR, (11.24%) Note Rate, or (11.49%) Fully Indexed Rate. The threshold was calculated using the (6.87%) comparable APOR based on the date the interest rate was set plus four points. ([Redacted] Stat. 47.20, Subd. 4a). - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7194504 | ||||||||
| XXXXXX-1239 | C | A | A | A | C | A | A | A | Closed | 30270-1004121 | 2026-01-20 20:57 | 2026-01-22 16:35 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.61%) published monthly by the [Redacted] Commerce Department. To determine the "loan yield" the system used the greater of the loan's (11.49%) APR, (11.24%) Note Rate, or (11.49%) Fully Indexed Rate. ([Redacted] Stat. 47.20, Subd. 4a; www.mn.gov/commerce/money/industry/interest-rates/) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7194505 | ||||||||
| XXXXXX-1240 | C | A | C | A | A | A | A | A | Closed | FCRE1195 | 2026-01-20 04:42 | 2026-01-23 06:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-7500 lien was paid off - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. [Redacted] lien is still active during the origination period, it was only released after the loan was approved. It was released [Redacted], see Prior Loan History - Current Owner for full details. - Seller-01/20/2026 Open- TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted]). Originator included [Redacted] additional financed amount that was taken at the same time as initial financing of [Redacted]. Please confirm this has been paid it was taken in [Redacted]. - Due Diligence Vendor-01/20/2026 |
Ready for Review-Document Uploaded. [Redacted] lien is still active during the origination period, it was only released after the loan was approved. It was released [Redacted], see Prior Loan History - Current Owner for full details. - Seller-01/20/2026 |
Resolved-[Redacted] lien was paid off - Due Diligence Vendor-01/23/2026 | [Redacted] | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7174959 | ||||||
| XXXXXX-1241 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1242 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1243 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1244 | C | A | A | A | C | A | A | A | Closed | 1140-450 | 2026-01-20 05:45 | 2026-01-22 16:35 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/21/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7175762 | ||||||||
| XXXXXX-1245 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1246 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1247 | C | A | C | A | C | A | A | A | Closed | FCRE2994 | 2026-01-22 05:23 | 2026-01-28 06:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-DTI calculation provided and updated TPR calc based on figures yields a 45% DTI. Meets guidelines - Due Diligence Vendor-01/28/2026 Ready for Review-"We use POSTLINE_DTI_DERIVED_INCOME for this which is 45.16%. The tape shows POSTLINE_DTI = 50.95% and POSTLINE_DTI_DERIVED_INCOME = 45.16%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted] Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]." - Seller-01/27/2026 Open-Qualifying FICO 646 , calculated DTI 50.83% is exceeding maximum DTI of 50% . DTI on Lender tape is 50.95. Per DK Guidelines, max DTI for a 646 fico is 50% - Due Diligence Vendor-01/22/2026 |
Ready for Review-"We use POSTLINE_DTI_DERIVED_INCOME for this which is 45.16%. The tape shows POSTLINE_DTI = 50.95% and POSTLINE_DTI_DERIVED_INCOME = 45.16%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 =[Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME =[Redacted]." - Seller-01/27/2026 |
Resolved-DTI calculation provided and updated TPR calc based on figures yields a 45% DTI. Meets guidelines - Due Diligence Vendor-01/28/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7237960 | |||||||
| XXXXXX-1248 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1249 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1250 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1251 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-01-20 23:02 | 2026-01-22 16:35 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7195963 | ||||||||
| XXXXXX-1252 | D | A | A | A | C | A | D | A | Closed | FVAL8946 | 2026-01-22 05:58 | 2026-01-29 06:50 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Appraisal | Resolved-avm now present - Due Diligence Vendor-01/29/2026 Ready for Review-Document Uploaded. - Seller-01/28/2026 Open-Provided HC Report reflecting recommended approach as Major Exception, Please provide CL THVX report to verify property value & FSD Score - Due Diligence Vendor-01/22/2026 |
Ready for Review-Document Uploaded. - Seller-01/28/2026 | Resolved-avm now present - Due Diligence Vendor-01/29/2026 | [Redacted] | [Redacted] | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7238315 | ||||||
| XXXXXX-1252 | D | A | A | A | C | A | D | A | Closed | 1000761-1002268 | 2026-01-21 00:26 | 2026-01-22 08:40 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (CCPA) (2015) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). This loan has an installment amount of ($437.92). The [Redacted] Consumer Credit and Protection Act limits the late fee to 5% of the late installment or $30, whichever is less. ([Redacted] Code 46A-3-113) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 |
[Redacted] | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7196399 | ||||||||
| XXXXXX-1253 | D | D | A | A | A | A | D | D | Closed | FPRO7549 | 2026-02-05 11:31 | 2026-02-05 11:31 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post close value of $[Redacted] did not support value. - Due Diligence Vendor-02/05/2026 | Acknowledged-Post close value of $[Redacted] did not support value. - Due Diligence Vendor-02/05/2026 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 7473200 | ||||||||
| XXXXXX-1254 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1255 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2026-01-22 00:22 | 2026-01-29 06:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-lender confirms no flood zone as not participating - Due Diligence Vendor-01/29/2026 Ready for Review-Flood zone is "NONE" - Seller-01/28/2026 Open-Provided CL Property report does not reflect flood Zone. - Due Diligence Vendor-01/22/2026 |
Ready for Review-Flood zone is "NONE" - Seller-01/28/2026 | Resolved-lender confirms no flood zone as not participating - Due Diligence Vendor-01/29/2026 | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7236045 | |||||||
| XXXXXX-1256 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1257 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1258 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1259 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1260 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-01-16 01:58 | 2026-01-20 10:33 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7130629 | ||||||||
| XXXXXX-1260 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-01-16 01:58 | 2026-01-20 10:32 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7130632 | ||||||||
| XXXXXX-1261 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1262 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-01-16 03:19 | 2026-01-23 07:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-lender used security qts to validate borrower ID - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. See column C for the results - Seller-01/20/2026 Open-No Photo ID in File Provided IDOLOGY_SSN report reflects status as "FAIL". - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. See column C for the results - Seller-01/20/2026 | Resolved-lender used security qts to validate borrower ID - Due Diligence Vendor-01/23/2026 | [Redacted] | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7131166 | ||||||
| XXXXXX-1263 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1264 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1265 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1266 | D | A | D | A | C | A | A | A | Closed | FCRE6020 | 2026-01-16 03:46 | 2026-01-23 07:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-lender used security qts to validate borrower ID - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. See column C for the results - Seller-01/20/2026 Open-No Photo ID in File Missing IDOLOGY_SSN report in the file. - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. See column C for the results - Seller-01/20/2026 | Resolved-lender used security qts to validate borrower ID - Due Diligence Vendor-01/23/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7131431 | ||||||
| XXXXXX-1266 | D | A | D | A | C | A | A | A | Closed | 890-210 | 2026-01-16 03:48 | 2026-01-20 08:57 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (DRE) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-The ($29.00) late fee amount or (0.0%) late fee percent exceed the [Redacted] Real Estate Law threshold. Under the [Redacted] Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. ([Redacted] Bus. & Prof. Code 10242.5) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7131442 | ||||||||
| XXXXXX-1267 | D | A | D | A | C | A | A | A | Closed | FCRE6020 | 2026-01-16 04:16 | 2026-01-23 07:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-lender used security qts to validate borrower ID - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. See column C for the results - Seller-01/20/2026 Open-No Photo ID in File Missing IDOLOGY_SSN report in the file. - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. See column C for the results - Seller-01/20/2026 | Resolved-lender used security qts to validate borrower ID - Due Diligence Vendor-01/23/2026 | [Redacted] | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7131639 | ||||||
| XXXXXX-1267 | D | A | D | A | C | A | A | A | Closed | 54000-56190 | 2026-01-16 04:20 | 2026-01-20 08:58 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7131672 | ||||||||
| XXXXXX-1268 | D | A | D | A | C | A | A | A | Closed | FCRE6020 | 2026-01-16 04:41 | 2026-01-23 07:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-lender used security qts to validate borrower ID - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. See column C for the results - Seller-01/20/2026 Open-No Photo ID in File Missing IDOLOGY_SSN report in the file. - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. See column C for the results - Seller-01/20/2026 | Resolved-lender used security qts to validate borrower ID - Due Diligence Vendor-01/23/2026 | [Redacted] | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7131858 | ||||||
| XXXXXX-1268 | D | A | D | A | C | A | A | A | Closed | 54350-56990 | 2026-01-16 04:43 | 2026-01-20 08:59 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Charge (FCCLP) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-Under the [Redacted] Financial Corporations Conventional Loan Provisions, the late charge may not exceed the greater of 5% of the delinquent payment or ($9.88). ([Redacted] Stat. 47.20, Subd. 6b; 47.59, Subd. 6(a)(4)) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7131872 | ||||||||
| XXXXXX-1269 | C | A | A | A | C | A | A | A | Closed | 8610-13390 | 2026-01-16 05:07 | 2026-01-20 09:00 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7132190 | ||||||||
| XXXXXX-1269 | C | A | A | A | C | A | A | A | Closed | 63420-76210 | 2026-01-16 05:07 | 2026-01-20 09:00 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($189.13), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7132191 | ||||||||
| XXXXXX-1270 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1271 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-01-20 23:36 | 2026-01-22 09:22 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/22/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7196162 | ||||||||
| XXXXXX-1272 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1273 | C | A | A | A | C | A | A | A | Closed | 1120 | 2026-01-19 21:39 | 2026-01-20 09:03 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-Under the [Redacted] Residential Mortgage Lending Act the late fee cannot exceed 5% of the past due payment. ([Redacted] Rev. Stat. Ann. 6:1097(B)(2)) - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7172777 | ||||||||
| XXXXXX-1274 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1275 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1276 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-01-22 02:49 | 2026-02-05 09:16 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-same lien was modified and [Redacted] confirms - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. [Redacted] shows loan mod agreement on 2013 which was based on 2007 loan, see Prior Loan History for full timeline. - Seller-02/03/2026 Counter-DT does not reference any liens and the credit shows the prior lien of [Redacted] recorded in 2007 (this matches the lien on credit) not the modified lien of $[Redacted] recorded in 2013. Need lien search to tie these together. - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. Attached - See hardpull report. Just one mortgage from [Redacted] for [Redacted]. Must have refinanced the prior lien that was modified. [Redacted] also does not show any other liens present. See attached Hardpull report and [Redacted] report in the zip folders since [Redacted] doesn't allow uploading json files anymore. - Seller-01/29/2026 Open-There is recent refi modification lien on cl transaction report of $[Redacted] Please provide Lien Release documentation to confirm whether its paid off . - Due Diligence Vendor-01/22/2026 |
Ready for Review-Document Uploaded. [Redacted] shows loan mod agreement on 2013 which was based on 2007 loan, see Prior Loan History for full timeline. - Seller-02/03/2026 Ready for Review-Document Uploaded. Attached - See hardpull report. Just one mortgage from [Redacted] for [Redacted]. Must have refinanced the prior lien that was modified. [Redacted] also does not show any other liens present. See attached Hardpull report and [Redacted] report in the zip folders since [Redacted] doesn't allow uploading json files anymore. - Seller-01/29/2026 |
Resolved-same lien was modified and [Redacted] confirms - Due Diligence Vendor-02/05/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7236718 | ||||||
| XXXXXX-1277 | D | A | D | A | A | A | A | A | Closed | FCRE6399 | 2026-01-16 06:43 | 2026-02-05 08:44 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-release now present - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. ([Redacted]): Paid off on [Redacted]. Our team called the lender and The lender confirmed the account is PIF and closed. Attached doc - Seller-02/04/2026 Open-Title Report shows lien release in place but no lien release is present. Please provide Lien Release documentation for the lien amount of $[Redacted] . - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. ([Redacted]): Paid off on [Redacted]. Our team called the lender and The lender confirmed the account is PIF and closed. Attached doc - Seller-02/04/2026 | Resolved-release now present - Due Diligence Vendor-02/05/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7134261 | ||||||
| XXXXXX-1277 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-01-16 06:53 | 2026-01-23 07:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-lender used security qts to validate borrower ID - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. See column C for the results - Seller-01/20/2026 Open-No Photo ID in File Missing IDOLOGY_SSN report in the file. - Due Diligence Vendor-01/16/2026 |
Ready for Review-Document Uploaded. See column C for the results - Seller-01/20/2026 | Resolved-lender used security qts to validate borrower ID - Due Diligence Vendor-01/23/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7134393 | ||||||
| XXXXXX-1278 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1279 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1280 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1281 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1282 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1283 | D | A | D | A | A | A | A | A | Closed | FCRE1164 | 2026-01-21 02:07 | 2026-02-05 08:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-lender has reviewed map and confirmed this is zone x - Due Diligence Vendor-02/05/2026 Ready for Review-Document Uploaded. Attachef Dynamic map from FEMA website shows flood zone X - Seller-02/03/2026 Open-Missing Flood Insurance Policy - Due Diligence Vendor-01/21/2026 Open-Missing Flood Insurance Policy Missing Flood Insurance Policy - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. Attachef Dynamic map from FEMA website shows flood zone X - Seller-02/03/2026 |
Resolved-lender has reviewed map and confirmed this is zone x - Due Diligence Vendor-02/05/2026 | [Redacted] | [Redacted] | NE | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7196787 | ||||||
| XXXXXX-1284 | C | A | A | A | C | A | A | A | Closed | 890-210 | 2026-01-15 22:59 | 2026-01-20 09:10 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (DRE) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-The ($29.00) late fee amount or (0.0%) late fee percent exceed the [Redacted] Real Estate Law threshold. Under the [Redacted] Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. ([Redacted] Bus. & Prof. Code 10242.5) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7129689 | ||||||||
| XXXXXX-1285 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1286 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1287 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1288 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1289 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1290 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1291 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1292 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1293 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1294 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1295 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-01-20 22:24 | 2026-01-30 09:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-IDs present - Due Diligence Vendor-01/30/2026 Ready for Review-Document Uploaded. - Seller-01/28/2026 Open-No Photo ID in File Photo ID is missing for B1 .(Provided SSN validation reflects status as fail). - Due Diligence Vendor-01/21/2026 |
Ready for Review-Document Uploaded. - Seller-01/28/2026 | Resolved-IDs present - Due Diligence Vendor-01/30/2026 | [Redacted] | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7195665 | ||||||
| XXXXXX-1296 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-01-16 03:57 | 2026-01-20 09:12 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7131487 | ||||||||
| XXXXXX-1297 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-01-16 03:05 | 2026-01-23 07:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-01/23/2026 Resolved-title now present - Due Diligence Vendor-01/23/2026 Ready for Review-Document Uploaded. See attached file for full details - Seller-01/20/2026 Open-Title Document is missing missing title - Due Diligence Vendor-01/20/2026 |
Ready for Review-Document Uploaded. See attached file for full details - Seller-01/20/2026 | Resolved-Title Document is fully Present - Due Diligence Vendor-01/23/2026 Resolved-title now present - Due Diligence Vendor-01/23/2026 |
[Redacted] | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7131037 | ||||||
| XXXXXX-1298 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1299 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1300 | C | A | A | A | C | A | A | A | Closed | 2420 | 2026-01-16 00:20 | 2026-01-20 08:53 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 Open-Under the [Redacted] Interest and Usury Provisions, the maximum late fee may not exceed $2 or 5%, whichever is greater. ([Redacted] COML 12-105(b)(3)) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-01/20/2026 |
[Redacted] | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7130182 | ||||||||
| XXXXXX-1301 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-105 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-106 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-02-13 01:37 | 2026-02-13 11:16 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7601210 | ||||||||
| XXXXXX-106 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-02-13 01:37 | 2026-02-13 11:16 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace Period entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7601211 | ||||||||
| XXXXXX-107 | C | A | C | A | A | A | A | A | Closed | FCRE4866 | 2026-02-12 22:46 | 2026-03-04 14:52 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-[Redacted] provided and shows subject is a second lien - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. [Redacted] lien balance is the $[Redacted] lien from "2010". See attached file for full details. Unable to find the 2nd lien opened last "2021". - Seller-03/04/2026 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]. note the first lien with a balance of $[Redacted] was opened in 2010. Then in 2021 a "SECOND LIEN" is recorded for $[Redacted]. We are unable to determine what this is. Also the first lien is still reporting on credit so doe not look like it was paid off. Need proof second lien opened in 2020 with HUD was released. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. [Redacted] lien balance is the $[Redacted] lien from "2010". See attached file for full details. Unable to find the 2nd lien opened last "2021". - Seller-03/04/2026 | Resolved-[Redacted] provided and shows subject is a second lien - Due Diligence Vendor-03/04/2026 | [Redacted] | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7599786 | ||||||
| XXXXXX-107 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2026-02-12 22:49 | 2026-03-04 14:52 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-[Redacted] provided and shows subject is a second lien - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. [Redacted] lien balance is the $[Redacted] lien from "2010". See attached file for full details. Unable to find the 2nd lien opened last "2021". - Seller-03/04/2026 Open-TPR found new HELOC to be in 3rd Position. Mortgage for $[Redacted] that was reflecting in CL_TRANSACTION_HISTORY Report but not included by Lender. Lien position was 2. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. [Redacted] lien balance is the $[Redacted] lien from "2010". See attached file for full details. Unable to find the 2nd lien opened last "2021". - Seller-03/04/2026 | Resolved-[Redacted] provided and shows subject is a second lien - Due Diligence Vendor-03/04/2026 | [Redacted] | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7599808 | ||||||
| XXXXXX-108 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-109 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-02-12 23:44 | 2026-02-17 16:07 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/15/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7600311 | ||||||||
| XXXXXX-109 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-02-12 23:44 | 2026-02-17 16:07 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/15/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Entries correct in related fields - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7600312 | ||||||||
| XXXXXX-110 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2026-02-12 22:23 | 2026-03-04 06:16 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-lien release now present and supports 2nd lien position - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. - Seller-03/04/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-lien release now present and supports 2nd lien position - Due Diligence Vendor-03/04/2026 | [Redacted] | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7599603 | ||||||
| XXXXXX-110 | C | A | C | A | C | A | A | A | Closed | FCRE9592 | 2026-02-13 01:19 | 2026-03-04 06:16 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-lien release now present and supports 2nd lien position - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. This is a refi loan. please see attached doc for Satisfaction of mortgage. - Seller-03/04/2026 Open-TPR found new HELOC to be in 3rd Position. There was another mortgage on credit for $[Redacted] that was also found on title not included by lender. Lien position was 2. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. This is a refi loan. please see attached doc for Satisfaction of mortgage. - Seller-03/04/2026 | Resolved-lien release now present and supports 2nd lien position - Due Diligence Vendor-03/04/2026 | [Redacted] | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7601091 | ||||||
| XXXXXX-110 | C | A | C | A | C | A | A | A | Closed | 1001469-1004142 | 2026-02-12 23:34 | 2026-02-13 11:44 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7600205 | ||||||||
| XXXXXX-111 | C | A | A | A | C | A | A | A | Closed | 1120 | 2026-02-13 00:18 | 2026-02-17 16:07 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/15/2026 Open-Under the [Redacted] Residential Mortgage Lending Act the late fee cannot exceed 5% of the past due payment. ([Redacted] Rev. Stat. Ann. 6:1097(B)(2)) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7600671 | ||||||||
| XXXXXX-112 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-113 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-02-13 02:09 | 2026-02-17 16:07 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/14/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7601565 | ||||||||
| XXXXXX-113 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-02-13 02:09 | 2026-02-17 16:07 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/14/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace period entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7601566 | ||||||||
| XXXXXX-114 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-115 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-02-13 02:38 | 2026-02-17 16:07 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/14/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7601759 | ||||||||
| XXXXXX-116 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-117 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-118 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-119 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-120 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-121 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-122 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-123 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-124 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-125 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-126 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-127 | C | A | C | A | A | A | A | A | Closed | FCRE9806 | 2026-02-16 22:13 | 2026-03-04 14:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Other Credit Finding | Resolved-proof the 12/2020 is the correct lien - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. $[Redacted] is the active lien, see the attached file for full details. CLTV is still within the policy guidelines - Seller-03/04/2026 Open-The first mortgage of the subject property is closed per the credit report but active per the tape date and title search. Based on the credit report the subject lien used for first lien balance was last paid in [Redacted] and there is a new mtg for $[Redacted] that opened [Redacted] that appears to be the correct first lien. Need a [Redacted] report to validate which first lien is on title. If it is the one opened [Redacted] the first lien balance should be $[Redacted] and the CLTV would be [Redacted]% - Due Diligence Vendor-02/17/2026 |
Ready for Review-Document Uploaded. $[Redacted] is the active lien, see the attached file for full details. CLTV is still within the policy guidelines - Seller-03/04/2026 |
Resolved-proof the [Redacted] is the correct lien - Due Diligence Vendor-03/04/2026 | [Redacted] | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7644622 | ||||||
| XXXXXX-128 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-129 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-130 | C | A | C | A | A | A | A | A | Closed | 123ABCF | 2026-02-18 00:11 | 2026-03-04 06:25 | Resolved | 1 - Information | C | A | Credit | Income/Employment | FICO does not meet minimum program requirement | Resolved-per Lender this falls in the HELOC refi section so meets For FICO in the range 700 - 759, $[Redacted] - Due Diligence Vendor-03/04/2026 Ready for Review-This is within our guidelines where we can give lines upto $[Redacted]for FICO between 720 and 760 - Seller-03/04/2026 Open-Audited FICO 722 is less than Guideline minimum FICO 760. Loan amount is $[Redacted] - Due Diligence Vendor-02/18/2026 |
Ready for Review-This is within our guidelines where we can give lines upto $[Redacted] for FICO between 720 and 760 - Seller-03/04/2026 | Resolved-per Lender this falls in the HELOC refi section so meets For FICO in the range 700 - 759, $[Redacted] - Due Diligence Vendor-03/04/2026 | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7671145 | |||||||
| XXXXXX-131 | C | A | A | A | C | A | A | A | Closed | 1140-450 | 2026-02-12 08:49 | 2026-02-17 16:07 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/14/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. Late charge entries validated from Note Document - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7584671 | ||||||||
| XXXXXX-132 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-133 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-134 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-02-13 04:26 | 2026-02-17 16:07 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7603264 | ||||||||
| XXXXXX-135 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2026-02-12 10:07 | 2026-02-17 16:08 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/14/2026 Open-The (15.24%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.87%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) Interest Rate 15.24% verified from Note document - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7586501 | ||||||||
| XXXXXX-136 | C | A | A | A | C | A | A | A | Closed | 71590 | 2026-02-13 03:10 | 2026-02-13 11:47 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7602028 | ||||||||
| XXXXXX-137 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-138 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-02-12 10:50 | 2026-02-17 16:07 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/14/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) Late charge entries validated from Note Document - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7587411 | ||||||||
| XXXXXX-139 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-140 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-141 | C | A | A | A | C | A | A | A | Closed | 71590 | 2026-02-12 11:32 | 2026-02-17 16:07 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/14/2026 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) Late charge entries validated from Note Document - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7588377 | ||||||||
| XXXXXX-142 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-143 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-144 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-02-13 05:02 | 2026-02-17 16:07 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/13/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7604168 | ||||||||
| XXXXXX-145 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-146 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-147 | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2026-02-17 08:01 | 2026-03-04 14:58 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-AVM Now present - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. [Redacted] AVM used, see EstimatedValue - Seller-03/04/2026 Open-Need AVM to support value used of $[Redacted]. HC in file has a no exception high confidence and value is at $[Redacted] - Due Diligence Vendor-02/17/2026 |
Ready for Review-Document Uploaded. [Redacted] AVM used, see EstimatedValue - Seller-03/04/2026 |
Resolved-AVM Now present - Due Diligence Vendor-03/04/2026 | [Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7652641 | ||||||
| XXXXXX-148 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-149 | C | A | C | A | A | A | A | A | Closed | 123ABCF | 2026-02-13 00:16 | 2026-03-04 06:27 | Resolved | 1 - Information | C | A | Credit | Income/Employment | FICO does not meet minimum program requirement | Resolved-per Lender this falls in the HELOC refi section so meets For FICO in the range 700 - 759, $[Redacted] - Due Diligence Vendor-03/04/2026 Ready for Review-This is within our guidelines where we can give lines upto $[Redacted] for FICO between 720 and 760 - Seller-03/04/2026 Open-Loan amount in file is $[Redacted] for which minimum FICO score must be 760 whereas audited FICO in file is 724 which is less than minimum FICO. - Due Diligence Vendor-02/13/2026 |
Ready for Review-This is within our guidelines where we can give lines upto $[Redacted] for FICO between 720 and 760 - Seller-03/04/2026 | Resolved-per Lender this falls in the HELOC refi section so meets For FICO in the range 700 - 759, $[Redacted] - Due Diligence Vendor-03/04/2026 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7600627 | |||||||
| XXXXXX-150 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-151 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-152 | C | A | A | A | C | A | A | A | Closed | 60620-68890 | 2026-02-13 06:59 | 2026-02-17 09:57 | Resolved | 1 - Information | C | A | Compliance | Predatory:DocType | [Redacted] - Documentation Type (Home Loan)(07/09) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open-The [Redacted] Home Loan Protection Act requires Full documentation of a "home loan." ([Redacted] Stat. Ann. 58-21A-4(C)) Entries correct in related fields - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | NM | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7606619 | ||||||||
| XXXXXX-152 | C | A | A | A | C | A | A | A | Closed | 60540-68760 | 2026-02-13 06:59 | 2026-02-17 09:57 | Resolved | 1 - Information | C | A | Compliance | Predatory:LateFees | [Redacted] - Maximum Late Fee (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open-The [Redacted] Home Loan Protection Act prohibits the late fee from exceeding 5% of the overdue payment in a "home loan." ([Redacted] Stat. Ann. 58-21A-4(K)(1)) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | NM | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7606620 | ||||||||
| XXXXXX-153 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-02-12 07:00 | 2026-02-17 09:53 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/13/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7581009 | ||||||||
| XXXXXX-154 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-155 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-156 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WV | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-157 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-158 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-159 | C | A | C | A | C | A | A | A | Closed | FCRE9592 | 2026-02-12 05:04 | 2026-03-04 15:00 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-[Redacted] provided and support subject lien in 2nd - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. Only 1 lien active which is the $[Redacted], see attached file for full details. - Seller-03/04/2026 Open-TPR found new HELOC to be in 3rd Position. There was another mortgage on credit report for $[Redacted] that was also found on cl_transaction history but not included by lender. Lien position was 2. - Due Diligence Vendor-02/12/2026 |
Ready for Review-Document Uploaded. Only 1 lien active which is the $[Redacted], see attached file for full details. - Seller-03/04/2026 |
Resolved-[Redacted] provided and support subject lien in 2nd - Due Diligence Vendor-03/04/2026 | [Redacted] | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7578181 | ||||||
| XXXXXX-159 | C | A | C | A | C | A | A | A | Closed | FCRE1195 | 2026-02-12 05:01 | 2026-03-04 15:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of [Redacted]% is less than or equal to Guideline CLTV%- [Redacted] provided and support subject lien in 2nd - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. Only 1 lien active which is the $[Redacted], see attached file for full details. - Seller-03/04/2026 Open-Audited CLTV of [Redacted]% TPR Calculated CLTV is [Redacted]% exceeds max allowed of [Redacted]%. ([Redacted]) Need proof of lien release if refinanced - Due Diligence Vendor-02/17/2026 |
Ready for Review-Document Uploaded. Only 1 lien active which is the $[Redacted], see attached file for full details. - Seller-03/04/2026 |
Resolved-Audited CLTV of [Redacted]% is less than or equal to Guideline CLTV%- [Redacted] provided and support subject lien in 2nd - Due Diligence Vendor-03/04/2026 | [Redacted] | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7578127 | ||||||
| XXXXXX-159 | C | A | C | A | C | A | A | A | Closed | 2640-1003357 | 2026-02-12 05:01 | 2026-02-17 09:42 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7578130 | ||||||||
| XXXXXX-159 | C | A | C | A | C | A | A | A | Closed | 1001200-1003360 | 2026-02-12 05:01 | 2026-02-17 09:42 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7578131 | ||||||||
| XXXXXX-160 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-161 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2026-02-13 07:58 | 2026-02-17 09:46 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/13/2026 Open-The (14.99%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.65%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) Interest Rate 14.74% verified from Note document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7608028 | ||||||||
| XXXXXX-162 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-163 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-164 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-165 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-166 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-167 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-168 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-169 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-170 | D | A | D | A | A | A | A | A | Closed | 123ABCF | 2026-02-17 23:57 | 2026-03-04 06:30 | Resolved | 1 - Information | C | A | Credit | Income/Employment | FICO does not meet minimum program requirement | Resolved-per Lender this falls in the HELOC refi section so meets For FICO in the range 700 - 759, $[Redacted] - Due Diligence Vendor-03/04/2026 Ready for Review-This is within our guidelines where we can give lines upto $[Redacted] for FICO between 720 and 760 - Seller-03/04/2026 Open-Audited FICO 752 is less than minimum Guideline FICO 760. Loan amount $[Redacted] is greater than $[Redacted]. - Due Diligence Vendor-02/18/2026 |
Ready for Review-This is within our guidelines where we can give lines upto $[Redacted] for FICO between 720 and 760 - Seller-03/04/2026 | Resolved-per Lender this falls in the HELOC refi section so meets For FICO in the range 700 - 759, $[Redacted] - Due Diligence Vendor-03/04/2026 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7671051 | |||||||
| XXXXXX-170 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-02-17 04:16 | 2026-03-03 06:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. - Seller-03/02/2026 Open-Title Document is missing Please provide Title Report as it is missing in File and loan amount is >[Redacted] which is $[Redacted] - Due Diligence Vendor-02/17/2026 |
Ready for Review-Document Uploaded. - Seller-03/02/2026 | Resolved-Title Document is fully Present - Due Diligence Vendor-03/03/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7647060 | ||||||
| XXXXXX-171 | C | A | A | A | C | A | A | A | Closed | 14890 | 2026-02-13 05:53 | 2026-02-17 09:46 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/13/2026 Open-The [Redacted] Credit Code prohibits a late fee exceeding the greater of 5% or $15.00 in a subordinate lien loan. ([Redacted] Code 28-42-301) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7605348 | ||||||||
| XXXXXX-172 | C | A | A | A | C | A | A | A | Closed | 1140-450 | 2026-02-12 05:02 | 2026-02-13 11:50 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. Entries correct in related fields - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7578141 | ||||||||
| XXXXXX-173 | C | A | C | A | A | A | A | A | Closed | FCRE4866 | 2026-02-13 11:17 | 2026-03-04 15:04 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-proof 20k not on title now present. - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. $20k 2nd lien balance not active, see Prior Loan History for details - Seller-03/04/2026 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]- Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. $[Redacted] 2nd lien balance not active, see Prior Loan History for details - Seller-03/04/2026 |
Resolved-proof 20k not on title now present. - Due Diligence Vendor-03/04/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7613921 | ||||||
| XXXXXX-173 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2026-02-13 11:18 | 2026-03-04 15:03 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-proof 20k not on title now present - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. $[Redacted] 2nd lien balance not active, see Prior Loan History for details - Seller-03/04/2026 Open-TPR found new HELOC to be in 3rd Position. There was another mortgage on credit for $[Redacted] that was also found on title not included by lender. Lien position was 2. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. $[Redacted] 2nd lien balance not active, see Prior Loan History for details - Seller-03/04/2026 |
Resolved-proof [Redacted] not on title now present - Due Diligence Vendor-03/04/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7614005 | ||||||
| XXXXXX-174 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-175 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-176 | C | B | C | B | A | A | A | A | Closed | FCRE9592 | 2026-02-17 00:59 | 2026-03-04 15:08 | Acknowledged | 2 - Non-Material | C | B | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Acknowledged-lender acknowledges TPR LTV and CLTV and lien position and still qualifies - Due Diligence Vendor-03/04/2026 Ready for Review-Acknowledged. CLTV is still within the policy guidelines. - Seller-03/04/2026 Open-TPR found new HELOC to be in 3rdPosition. There was another mortgage on credit for $[Redacted] that was also found on title not included by lender. Lien position was 2. - Due Diligence Vendor-02/17/2026 |
Ready for Review-Acknowledged. CLTV is still within the policy guidelines. - Seller-03/04/2026 | Acknowledged-lender acknowledges TPR LTV and CLTV and lien position and still qualifies - Due Diligence Vendor-03/04/2026 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 7645477 | |||||||
| XXXXXX-176 | C | B | C | B | A | A | A | A | Closed | FCRE4866 | 2026-02-17 01:04 | 2026-03-04 15:08 | Acknowledged | 2 - Non-Material | A | B | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Acknowledged-lender acknowledges TPR LTV and CLTV and lien position and still qualifies - Due Diligence Vendor-03/04/2026 Ready for Review-Acknowledged. CLTV is still within the policy guidelines. - Seller-03/04/2026 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. [Redacted] - Due Diligence Vendor-02/17/2026 |
Ready for Review-Acknowledged. CLTV is still within the policy guidelines. - Seller-03/04/2026 | Acknowledged-lender acknowledges TPR LTV and CLTV and lien position and still qualifies - Due Diligence Vendor-03/04/2026 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 7645519 | |||||||
| XXXXXX-177 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-178 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-179 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-180 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-181 | C | A | A | A | C | A | A | A | Closed | 71590 | 2026-02-13 00:27 | 2026-02-17 09:52 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/15/2026 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7600704 | ||||||||
| XXXXXX-182 | C | A | A | A | C | A | A | A | Closed | 71590 | 2026-02-12 02:19 | 2026-02-13 11:53 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/12/2026 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) Late charge entries validated from Note Document - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7576671 | ||||||||
| XXXXXX-183 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-184 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-185 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-186 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-187 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-188 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2026-02-12 03:15 | 2026-02-13 11:52 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/12/2026 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) Late charge entries validated from Note Document - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7577103 | ||||||||
| XXXXXX-189 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-190 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-191 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-192 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-193 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-194 | C | A | A | A | C | A | A | A | Closed | 850-170 | 2026-02-13 00:55 | 2026-02-17 10:00 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open-You have submitted a late fee amount of ($29.00) and a (0.0%) Late Fee Percent. Under the [Redacted] Small Loans Act, the maximum late fee should be the lesser of 10% of the payment or $25. (AS 06.20.260(a)(6)) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | AK | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7600922 | ||||||||
| XXXXXX-195 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2026-02-12 03:40 | 2026-02-13 11:55 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/12/2026 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) Late charge entries validated from Note Document - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7577302 | ||||||||
| XXXXXX-196 | C | A | A | A | C | A | A | A | Closed | 14890 | 2026-02-13 01:55 | 2026-02-17 10:01 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/16/2026 Open-The [Redacted] Credit Code prohibits a late fee exceeding the greater of 5% or $15.00 in a subordinate lien loan. ([Redacted] Code 28-42-301) Late charge entries validated from Note Document - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | ID | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7601458 | ||||||||
| XXXXXX-197 | C | A | A | A | C | A | A | A | Closed | 890-210 | 2026-02-12 04:59 | 2026-02-13 11:54 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (DRE) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/12/2026 Open-The ($29.00) late fee amount or (0.0%) late fee percent exceed the [Redacted] Real Estate Law threshold. Under the [Redacted] Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. ([Redacted] Bus. & Prof. Code 10242.5) Late charge entries validated from Note Document - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7578111 | ||||||||
| XXXXXX-198 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-199 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-02-16 23:20 | 2026-03-06 12:04 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Release received and clears finding - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. - Seller-03/06/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-02/17/2026 |
Ready for Review-Document Uploaded. - Seller-03/06/2026 | Resolved-Release received and clears finding - Due Diligence Vendor-03/06/2026 | [Redacted] | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7644929 | ||||||
| XXXXXX-1302 | C | A | B | A | C | A | A | A | Closed | FCRE2021 | 2026-02-12 22:14 | 2026-03-04 06:52 | Resolved | 1 - Information | B | A | Credit | Debt | Verified DTI varies from Qualifying DTI by greater than 5% | Resolved-DTI calc provided and now in line - Due Diligence Vendor-03/04/2026 Ready for Review-The tape shows POSTLINE_DTI = 34.09% and POSTLINE_DTI_DERIVED_INCOME = 52.5%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 =[Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME =[Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-03/04/2026 Open-TPR Calculated DTI is 38.42%.([Redacted].= DTI is 38.42%, Originators DTI is= 52.5% - Due Diligence Vendor-02/13/2026 |
Ready for Review-The tape shows POSTLINE_DTI = 34.09% and POSTLINE_DTI_DERIVED_INCOME = 52.5%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-03/04/2026 | Resolved-DTI calc provided and now in line - Due Diligence Vendor-03/04/2026 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7599567 | |||||||
| XXXXXX-1302 | C | A | B | A | C | A | A | A | Closed | 22700-28700 | 2026-02-12 22:13 | 2026-02-17 15:53 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7599564 | ||||||||
| XXXXXX-1303 | C | A | A | A | C | A | A | A | Closed | 890-210 | 2026-02-11 23:56 | 2026-02-17 15:53 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (DRE) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open-The ($29.00) late fee amount or (0.0%) late fee percent exceed the [Redacted] Real Estate Law threshold. Under the [Redacted] Real Estate Law, a late fee cannot exceed the greater of 10% of the installment due that is attributable to principal and interest or $5. ([Redacted] Bus. & Prof. Code 10242.5) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7575724 | ||||||||
| XXXXXX-1304 | D | B | D | B | A | A | A | A | Closed | FCRE4866 | 2026-02-13 06:58 | 2026-03-04 15:08 | Acknowledged | 2 - Non-Material | A | B | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Acknowledged-lender acknowledges TPR calculations and loan still qualifies - Due Diligence Vendor-03/04/2026 Ready for Review-Acknowledged. CLTV is still within the policy guidelines - Seller-03/04/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted])Lender originator considered the lien balance of $[Redacted], which is not reflects in cl transaction report . ) Hence considered the lien of $[Redacted] which reflects as lien position 1 - Due Diligence Vendor-02/13/2026 |
Ready for Review-Acknowledged. CLTV is still within the policy guidelines - Seller-03/04/2026 | Acknowledged-lender acknowledges TPR calculations and loan still qualifies - Due Diligence Vendor-03/04/2026 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7606568 | |||||||
| XXXXXX-1304 | D | B | D | B | A | A | A | A | Closed | FCRE1252 | 2026-02-17 13:12 | 2026-03-03 06:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-title policy provided and first lien is present on policy - Due Diligence Vendor-03/03/2026 Ready for Review- - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. attached - Seller-03/02/2026 Open-First lien showing on credit report and CL transaction history [Redacted] is not showing title commitment. Please provide an updated commitment for the property. - Due Diligence Vendor-02/17/2026 |
Ready for Review-Document Uploaded. attached - Seller-03/02/2026 | Resolved-title policy provided and first lien is present on policy - Due Diligence Vendor-03/03/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7661956 | ||||||
| XXXXXX-1305 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1306 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1307 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1308 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-02-12 03:08 | 2026-03-03 06:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-DL is now present - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. - Seller-03/02/2026 Open-No Photo ID in File Photo ID is missing for B1 as JSON states ID was expired - Due Diligence Vendor-02/12/2026 |
Ready for Review-Document Uploaded. - Seller-03/02/2026 | Resolved-DL is now present - Due Diligence Vendor-03/03/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7577044 | ||||||
| XXXXXX-1309 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1310 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1311 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1312 | C | A | A | A | C | A | A | A | Closed | 3110-2450 | 2026-02-12 01:53 | 2026-02-17 15:53 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (LOC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Usury Provisions, the late fee must be the lesser of 5% or $10. (Ariz. Rev. Stat. 44-1205(B) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7576454 | ||||||||
| XXXXXX-1313 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1314 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1315 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1316 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-02-13 05:27 | 2026-03-06 12:03 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Discharge of mortgage received. - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. - Seller-03/06/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. - Seller-03/06/2026 | Resolved-Discharge of mortgage received. - Due Diligence Vendor-03/06/2026 | [Redacted] | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7604611 | ||||||
| XXXXXX-1317 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1318 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1319 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1320 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1321 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1322 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1323 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1324 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1325 | A | A | A | A | A | A | A | A | A | A | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1326 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1327 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2026-02-12 22:56 | 2026-03-06 12:01 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Info provided from seller clears finding- accept for release proof - Due Diligence Vendor-03/06/2026 Ready for Review-Document Uploaded. We have got verbal confirmation from Figure that the account is fully closed as of 01/22/2026. The rep at Figure told added that they already have the copy of the recorded release document but would need for the borrower's authorization to trigger the request to send the document to us through their website. - Seller-03/06/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. We have got verbal confirmation from Figure that the account is fully closed as of 01/22/2026. The rep at Figure told added that they already have the copy of the recorded release document but would need for the borrower's authorization to trigger the request to send the document to us through their website. - Seller-03/06/2026 | Resolved-Info provided from seller clears finding- accept for release proof - Due Diligence Vendor-03/06/2026 | [Redacted] | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7599845 | ||||||
| XXXXXX-1327 | C | A | C | A | C | A | A | A | Closed | 1140-450 | 2026-02-12 23:38 | 2026-02-13 12:22 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | ME | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7600236 | ||||||||
| XXXXXX-1328 | C | A | A | A | C | A | A | A | Closed | 63420-76210 | 2026-02-12 06:04 | 2026-02-13 09:05 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($261.65), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7579763 | ||||||||
| XXXXXX-1328 | C | A | A | A | C | A | A | A | Closed | 8610-13390 | 2026-02-12 06:04 | 2026-02-13 09:04 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7579762 | ||||||||
| XXXXXX-1329 | C | A | A | A | C | A | A | A | Closed | 56820-60920 | 2026-02-12 01:23 | 2026-02-12 09:43 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (MLILCPA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/12/2026 Open-Under the [Redacted] Mortgage Licensing Act, a late fee cannot exceed the greater of 10% of the payment or $20.00. (7[Redacted]Stat. 6125) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/12/2026 |
[Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7576229 | ||||||||
| XXXXXX-1330 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2026-02-13 03:05 | 2026-02-17 15:53 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7601972 | ||||||||
| XXXXXX-1331 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-02-11 23:50 | 2026-02-12 09:44 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/12/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/12/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7575683 | ||||||||
| XXXXXX-1332 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1333 | C | A | A | A | C | A | A | A | Closed | 1270-56390 | 2026-02-13 03:04 | 2026-02-13 09:07 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open-The [Redacted] Industrial Loan and Thrift Companies Act limits the late fee to the greater of 5% or ($15.00). (T.C.A. 45-5-301(3); 45-5-403) - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7601959 | ||||||||
| XXXXXX-1334 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1335 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1336 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1337 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1338 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-02-13 03:37 | 2026-03-03 06:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-ID now present - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. - Seller-03/02/2026 Open-Provided B2 SSN validation result status FAIL. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. - Seller-03/02/2026 | Resolved-ID now present - Due Diligence Vendor-03/03/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7602289 | ||||||
| XXXXXX-1339 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1340 | C | A | B | A | C | A | A | A | Closed | 1270-56390 | 2026-02-12 04:40 | 2026-02-13 11:52 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open-The [Redacted] Industrial Loan and Thrift Companies Act limits the late fee to the greater of 5% or ($15.00). (T.C.A. 45-5-301(3); 45-5-403) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7577825 | ||||||||
| XXXXXX-1341 | A | A | A | A | A | A | A | A | A | A | [Redacted] | DE | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1342 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-02-13 05:12 | 2026-03-04 07:53 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-lien release is now present - Due Diligence Vendor-03/04/2026 Ready for Review-Document Uploaded. - Seller-03/04/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. - Seller-03/04/2026 | Resolved-lien release is now present - Due Diligence Vendor-03/04/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7604401 | ||||||
| XXXXXX-1343 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1344 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1345 | C | A | A | A | C | A | A | A | Closed | 8610-13390 | 2026-02-12 04:54 | 2026-02-12 09:47 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/12/2026 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/12/2026 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7578005 | ||||||||
| XXXXXX-1345 | C | A | A | A | C | A | A | A | Closed | 63420-76210 | 2026-02-12 04:54 | 2026-02-12 09:47 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/12/2026 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($275.53), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/12/2026 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7578006 | ||||||||
| XXXXXX-1346 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1347 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1348 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1349 | D | D | A | A | A | A | D | D | Closed | FPRO7549 | 2026-03-09 10:20 | 2026-03-09 10:20 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post close value of [Redacted] did not support originations value - Due Diligence Vendor-03/09/2026 | Acknowledged-Post close value of [Redacted] did not support originations value - Due Diligence Vendor-03/09/2026 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 8000127 | ||||||||
| XXXXXX-1350 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2026-02-12 06:02 | 2026-03-03 06:41 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-lien release letter now present - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. - Seller-03/02/2026 Open-Title Report shows lien release in place but no lien release is present. Please provide Lien Release documentation for the lien amount of $50495. - Due Diligence Vendor-02/12/2026 |
Ready for Review-Document Uploaded. - Seller-03/02/2026 | Resolved-lien release letter now present - Due Diligence Vendor-03/03/2026 | [Redacted] | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7579745 | ||||||
| XXXXXX-1350 | C | A | C | A | C | A | A | A | Closed | 1001200-1003360 | 2026-02-12 06:14 | 2026-02-13 12:58 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7580035 | ||||||||
| XXXXXX-1350 | C | A | C | A | C | A | A | A | Closed | 2640-1003357 | 2026-02-12 06:14 | 2026-02-13 12:57 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7580034 | ||||||||
| XXXXXX-1351 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1352 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1353 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1354 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1355 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1356 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1357 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1358 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1359 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1360 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1361 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1362 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1363 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1364 | C | A | B | A | C | A | A | A | Closed | 22700-28700 | 2026-02-13 04:12 | 2026-02-18 16:03 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/13/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved- - Due Diligence Vendor-02/18/2026 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7603035 | ||||||||
| XXXXXX-1365 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-02-13 02:34 | 2026-03-03 06:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-ID now present - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. - Seller-03/02/2026 Open-No Photo ID in File Provided SSN Completion report resulting as Fail and status does not match. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. - Seller-03/02/2026 | Resolved-ID now present - Due Diligence Vendor-03/03/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7601732 | ||||||
| XXXXXX-1366 | C | A | A | A | C | A | A | A | Closed | 1001469-1004142 | 2026-02-12 22:09 | 2026-02-17 15:53 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7599541 | ||||||||
| XXXXXX-1367 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1368 | C | A | A | A | C | A | A | A | Closed | 14890 | 2026-02-12 23:24 | 2026-02-17 15:53 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open-The [Redacted] Credit Code prohibits a late fee exceeding the greater of 5% or $15.00 in a subordinate lien loan. ([Redacted] Code 28-42-301) - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 | [Redacted] | ID | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7600134 | ||||||||
| XXXXXX-1369 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1370 | C | A | A | A | C | A | A | A | Closed | 8660-13480 | 2026-02-12 01:48 | 2026-02-13 09:20 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/12/2026 Open-[Redacted]'s Late Charge Provisions prohibit a late fee exceeding 5% of the delinquent installment.([Redacted] Rev. Stat. Sec. 86.165) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7576431 | ||||||||
| XXXXXX-1371 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1372 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1373 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1374 | D | A | D | A | C | A | A | A | Closed | FCRE6020 | 2026-02-13 03:56 | 2026-03-03 06:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-photo id now present - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. - Seller-03/02/2026 Open-No Photo ID in File Provided SSN Completion resulting as Failure. - Due Diligence Vendor-02/13/2026 |
Ready for Review-Document Uploaded. - Seller-03/02/2026 | Resolved-photo id now present - Due Diligence Vendor-03/03/2026 | [Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7602609 | ||||||
| XXXXXX-1374 | D | A | D | A | C | A | A | A | Closed | 1320 | 2026-02-13 04:00 | 2026-02-17 15:53 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open-The [Redacted] Consumer Loan Act prohibits a late fee exceeding 10% of each dollar of any installment payment delinquent for 10 days or more. (RCW 31.04.105(5)) - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7602735 | ||||||||
| XXXXXX-1375 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1376 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1377 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1378 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1379 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-02-12 04:44 | 2026-02-12 15:05 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved- The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/12/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-02/12/2026 Open- - Due Diligence Vendor-02/12/2026 |
Resolved- The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/12/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7577865 | ||||||||
| XXXXXX-1380 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1381 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-02-12 03:56 | 2026-03-03 07:07 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Missing AVM now present - Due Diligence Vendor-03/03/2026 Ready for Review-Document Uploaded. - Seller-03/02/2026 Open-HC value and CLTHVX Risk management not supporting property value. Missing DT PROCISION report in file. - Due Diligence Vendor-02/12/2026 |
Ready for Review-Document Uploaded. - Seller-03/02/2026 | Resolved-Missing AVM now present - Due Diligence Vendor-03/03/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7577434 | ||||||
| XXXXXX-1382 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-02-13 03:10 | 2026-02-18 16:05 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved- - Due Diligence Vendor-02/18/2026 Open- - Due Diligence Vendor-02/18/2026 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 Open- - Due Diligence Vendor-02/13/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved- - Due Diligence Vendor-02/18/2026 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/17/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 7602017 | ||||||||
| XXXXXX-1383 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1384 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1385 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-02-13 05:36 | 2026-02-13 12:46 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-02/13/2026 Open- - Due Diligence Vendor-02/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-02/13/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 7604702 | ||||||||
| XXXXXX-1386 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1387 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1388 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-200 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1389 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1390 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1391 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-03-19 23:21 | 2026-04-01 11:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/01/2026 Resolved-Received tax info - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See Tax History - other sources were exhausted, this is only source that's showing the tax history. - Seller-03/31/2026 Open-Missing Evidence of Property Tax Provided CL property report does not reflect property tax amount. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. See Tax History - other sources were exhausted, this is only source that's showing the tax history. - Seller-03/31/2026 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/01/2026 Resolved-Received tax info - Due Diligence Vendor-04/01/2026 |
[Redacted] | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8228694 | ||||||
| XXXXXX-1392 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1393 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1394 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1395 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-03-22 22:24 | 2026-04-01 11:39 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation of $[Redacted]. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-04/01/2026 | [Redacted] | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8255711 | ||||||
| XXXXXX-1396 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1397 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2026-03-20 03:15 | 2026-04-01 11:40 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation of $[Redacted]. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-04/01/2026 | [Redacted] | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8230557 | ||||||
| XXXXXX-1397 | C | A | C | A | C | A | A | A | Closed | 2640-1003357 | 2026-03-20 03:42 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8230758 | ||||||||
| XXXXXX-1397 | C | A | C | A | C | A | A | A | Closed | 1001200-1003360 | 2026-03-20 03:42 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8230759 | ||||||||
| XXXXXX-1398 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1399 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-03-20 04:48 | 2026-04-01 11:31 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 Open-Title Report shows lien release in place but no lien release is present. Cl Transaction report reflects 3 lien on the property however lien position 2 of $[Redacted] is paid off and file contain Heloc mortgage statement shows new balance as $[Redacted] . Please provide lien release document for lien position 3 of $[Redacted] which is missing in file. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-04/01/2026 | [Redacted] | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8231422 | ||||||
| XXXXXX-1400 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1401 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1402 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1403 | D | A | D | A | C | A | A | A | Closed | FCRE6020 | 2026-03-20 23:34 | 2026-04-01 11:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Photo id json received - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See attached file for IDology report - Seller-03/31/2026 Open-No Photo ID in File Provided SSN validation report reflects status as FAIL. - Due Diligence Vendor-03/21/2026 |
Ready for Review-Document Uploaded. See attached file for IDology report - Seller-03/31/2026 | Resolved-Photo id json received - Due Diligence Vendor-04/01/2026 | [Redacted] | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8251620 | ||||||
| XXXXXX-1403 | D | A | D | A | C | A | A | A | Closed | 2640-1003357 | 2026-03-20 23:37 | 2026-03-23 10:54 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-03/21/2026 Open- - Due Diligence Vendor-03/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8251625 | ||||||||
| XXXXXX-1403 | D | A | D | A | C | A | A | A | Closed | 1001200-1003360 | 2026-03-20 23:37 | 2026-03-23 10:54 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-03/21/2026 Open- - Due Diligence Vendor-03/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8251626 | ||||||||
| XXXXXX-1404 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1405 | C | A | A | A | C | A | A | A | Closed | 1230-540 | 2026-03-20 05:04 | 2026-03-20 08:36 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Consumer Finance) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under [Redacted]'s Consumer Finance Act, the late fee may not exceed the lesser of 5% of the unpaid installment or $5. ([Redacted] Rev. Stat. Sec. 725.340(2)(a)) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 |
[Redacted] | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8231621 | ||||||||
| XXXXXX-1406 | C | A | A | A | C | A | A | A | Closed | 1001469-1004142 | 2026-03-20 00:15 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/20/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) Late charge entries validated from Note Document - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8229015 | ||||||||
| XXXXXX-1407 | C | A | C | A | A | A | A | A | Closed | FCRE4866 | 2026-03-20 02:28 | 2026-03-31 10:33 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-Received proof of first lien and now cltv is within tolerance - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. There's an active first lien $[Redacted], see attached file for details. - Seller-03/30/2026 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. There's an active first lien $156k, see attached file for details. - Seller-03/30/2026 |
Resolved-Received proof of first lien and now cltv is within tolerance - Due Diligence Vendor-03/31/2026 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8230247 | ||||||
| XXXXXX-1407 | C | A | C | A | A | A | A | A | Closed | FCRE1195 | 2026-03-31 10:31 | 2026-03-31 10:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of [Redacted]% is less than or equal to Guideline CLTV - Due Diligence Vendor-03/31/2026 Resolved-Audited CLTV of [Redacted]% is less than or equal to Guideline CLTV% - Due Diligence Vendor-03/31/2026 Resolved-Audited CLTV of [Redacted]% is less than or equal to Guideline CLTV - Due Diligence Vendor-03/31/2026 Open-Audited CLTV of % - Due Diligence Vendor-03/31/2026 |
Resolved-Audited CLTV of [Redacted]% is less than or equal to Guideline CLTV - Due Diligence Vendor-03/31/2026 Resolved-Audited CLTV of [Redacted]% is less than or equal to Guideline CLTV% - Due Diligence Vendor-03/31/2026 Resolved-Audited CLTV of [Redacted]% is less than or equal to Guideline CLTV - Due Diligence Vendor-03/31/2026 |
[Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8409207 | ||||||||
| XXXXXX-1408 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-03-23 00:19 | 2026-04-01 11:30 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Satisfaction of mortgage received - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation of $[Redacted]. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 | Resolved-Satisfaction of mortgage received - Due Diligence Vendor-04/01/2026 | [Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8256124 | ||||||
| XXXXXX-1409 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1410 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1411 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1412 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1413 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1414 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-03-19 00:11 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8203688 | ||||||||
| XXXXXX-1415 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1416 | D | A | D | A | A | A | A | A | Closed | 123ABJ | 2026-03-23 03:06 | 2026-04-01 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Per investor Plaid is 3rd party verification - Due Diligence Vendor-04/01/2026 Ready for Review-this was Auto-cleared via Plaid - Seller-03/31/2026 Open-VVOE is missing in file as loan amount is greater than 100,000. - Due Diligence Vendor-03/23/2026 |
Ready for Review-this was Auto-cleared via Plaid - Seller-03/31/2026 | Resolved-Per investor Plaid is 3rd party verification - Due Diligence Vendor-04/01/2026 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8256912 | |||||||
| XXXXXX-1417 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1418 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2026-03-19 00:51 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8203900 | ||||||||
| XXXXXX-1419 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-03-19 00:24 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8203758 | ||||||||
| XXXXXX-1420 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-03-19 00:56 | 2026-04-01 09:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Received Id json - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See attached file for Driver's license - Seller-03/31/2026 Open-No Photo ID in File Photo ID is missing for B1 - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. See attached file for Driver's license - Seller-03/31/2026 | Resolved-Received Id json - Due Diligence Vendor-04/01/2026 | [Redacted] | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8203928 | ||||||
| XXXXXX-1421 | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2026-03-20 03:52 | 2026-03-31 10:34 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-AVM received and supports value - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. See Estimated Value, see attached file for full details. - Seller-03/30/2026 Open-Please provide complete Valuation document as provided value analysis report is invalid. As of now, considered property value from tape data for CLTV calculation. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. See Estimated Value, see attached file for full details. - Seller-03/30/2026 | Resolved-AVM received and supports value - Due Diligence Vendor-03/31/2026 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8230823 | ||||||
| XXXXXX-1422 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-03-22 23:00 | 2026-04-01 10:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Received title proof - Due Diligence Vendor-04/01/2026 Resolved-Title Document is fully Present - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See attached file - Seller-03/31/2026 Open-Title Document is missing Final title policy is missing. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. See attached file - Seller-03/31/2026 | Resolved-Received title proof - Due Diligence Vendor-04/01/2026 Resolved-Title Document is fully Present - Due Diligence Vendor-04/01/2026 |
[Redacted] | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8255800 | ||||||
| XXXXXX-1423 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-03-20 04:30 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/20/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Late charge entries validated from Note Document - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8231194 | ||||||||
| XXXXXX-1424 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-03-20 00:31 | 2026-03-20 08:39 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8229099 | ||||||||
| XXXXXX-1425 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-03-18 03:03 | 2026-04-01 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/01/2026 Resolved-Received tax detail - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See Property Tax - Seller-03/31/2026 Open-Missing Evidence of Property Tax Property tax missing in CL Property report. - Due Diligence Vendor-03/18/2026 |
Ready for Review-Document Uploaded. See Property Tax - Seller-03/31/2026 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/01/2026 Resolved-Received tax detail - Due Diligence Vendor-04/01/2026 |
[Redacted] | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8177148 | ||||||
| XXXXXX-1426 | C | A | A | A | C | A | A | A | Closed | 1001469-1004142 | 2026-03-23 03:01 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8256882 | ||||||||
| XXXXXX-1427 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1428 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-03-23 03:51 | 2026-03-31 10:27 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received avm supports value - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. See Estimated Value, see attached file for details. - Seller-03/30/2026 Open-DT Procision report is missing in file to verify the property value of $[Redacted]. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. See Estimated Value, see attached file for details. - Seller-03/30/2026 | Resolved-Received avm supports value - Due Diligence Vendor-03/31/2026 | [Redacted] | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8257318 | ||||||
| XXXXXX-1429 | C | A | A | A | C | A | A | A | Closed | 60540-68760 | 2026-03-20 05:01 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Predatory:LateFees | [Redacted] - Maximum Late Fee (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/20/2026 Open-The [Redacted] Home Loan Protection Act prohibits the late fee from exceeding 5% of the overdue payment in a "home loan." ([Redacted] Stat. Ann. 58-21A-4(K)(1)) Late charge entries validated from Note Document - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8231587 | ||||||||
| XXXXXX-1430 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1431 | D | D | A | A | A | A | D | D | Closed | FPRO7549 | 2026-04-03 09:03 | 2026-04-03 09:03 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post-close appraised value of [Redacted] does not support origination value. - Due Diligence Vendor-04/03/2026 | Acknowledged-Post-close appraised value of [Redacted] does not support origination value. - Due Diligence Vendor-04/03/2026 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 8475942 | ||||||||
| XXXXXX-1432 | D | A | D | A | A | A | A | A | Closed | 123ABJ | 2026-03-24 02:15 | 2026-04-01 11:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Lender considered Paid third party verification - Due Diligence Vendor-04/01/2026 Ready for Review-this was Auto-cleared via Plaid - Seller-03/31/2026 Open-Missing VVOE for credit limits greater than [Redacted]. - Due Diligence Vendor-03/24/2026 |
Ready for Review-this was Auto-cleared via Plaid - Seller-03/31/2026 | Resolved-Lender considered Paid third party verification - Due Diligence Vendor-04/01/2026 | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8281915 | |||||||
| XXXXXX-1433 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1434 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1435 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-03-20 06:14 | 2026-04-01 11:34 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-04/01/2026 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8233511 | ||||||
| XXXXXX-1436 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-03-19 00:45 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8203855 | ||||||||
| XXXXXX-1436 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-03-19 00:45 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8203856 | ||||||||
| XXXXXX-1437 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1438 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1439 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1440 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1441 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-03-18 22:18 | 2026-04-01 11:42 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-04/01/2026 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8203161 | ||||||
| XXXXXX-1442 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1443 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1444 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1445 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1446 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1447 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1448 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1449 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1450 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1451 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1452 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1453 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-03-19 21:42 | 2026-04-01 11:24 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-[Redacted] shows no first lien - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See attached file, no active first mortgage. - Seller-03/31/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. There is an open mortgage with amount $139,349 as per title report and credit report and UW lien position 1 with true Indication. Current Lien position also 1 per Tape data. Please provide supporting document to verify if first mortgage active for subject property. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. See attached file, no active first mortgage. - Seller-03/31/2026 |
Resolved-[Redacted] shows no first lien - Due Diligence Vendor-04/01/2026 | [Redacted] | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8228315 | ||||||
| XXXXXX-1454 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1455 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-03-19 02:52 | 2026-03-19 08:09 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/19/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/19/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8204700 | ||||||||
| XXXXXX-1456 | C | A | A | A | C | A | A | A | Closed | 30270-1004233 | 2026-03-19 00:24 | 2026-03-23 14:28 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.62%). To determine the "loan yield" the system used the greater of the loan's (10.74%) APR, (10.49%) Note Rate, or (10.74%) Fully Indexed Rate. The threshold was calculated using the (6.62%) comparable APOR based on the date the interest rate was set plus four points. ([Redacted] Stat. 47.20, Subd. 4a). - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/21/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8203759 | ||||||||
| XXXXXX-1456 | C | A | A | A | C | A | A | A | Closed | 54350-56990 | 2026-03-19 00:24 | 2026-03-23 09:33 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Charge (FCCLP) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. Edit Delete - Due Diligence Vendor-03/23/2026 Open-Under the [Redacted] Financial Corporations Conventional Loan Provisions, the late charge may not exceed the greater of 5% of the delinquent payment or ($9.88). ([Redacted] Stat. 47.20, Subd. 6b; 47.59, Subd. 6(a)(4)) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/21/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. Edit Delete - Due Diligence Vendor-03/23/2026 |
[Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8203761 | ||||||||
| XXXXXX-1457 | A | A | A | A | A | A | A | A | A | A | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1458 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1459 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-03-19 03:08 | 2026-04-02 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Reviewed Assessor information and it is exempt - Due Diligence Vendor-04/02/2026 Counter-Nothing attached - Due Diligence Vendor-04/01/2026 Ready for Review-See Tax Exemption - Seller-03/31/2026 Open-Missing Evidence of Property Tax CL property report does not reflect Tax amount. - Due Diligence Vendor-03/19/2026 |
Ready for Review-See Tax Exemption - Seller-03/31/2026 | Resolved-Reviewed Assessor information and it is exempt - Due Diligence Vendor-04/02/2026 | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8205716 | |||||||
| XXXXXX-1460 | C | A | A | A | C | A | A | A | Closed | 71590 | 2026-03-18 22:19 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8203172 | ||||||||
| XXXXXX-1461 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1462 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1463 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1464 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1465 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-03-18 22:28 | 2026-03-19 08:11 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/19/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/19/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8203207 | ||||||||
| XXXXXX-1466 | D | D | A | A | A | A | D | D | Closed | FPRO7549 | 2026-04-03 09:05 | 2026-04-03 09:05 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post-close appraised value of [Redacted] does not support origination value. - Due Diligence Vendor-04/03/2026 | Acknowledged-Post-close appraised value of [Redacted] does not support origination value. - Due Diligence Vendor-04/03/2026 | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 8475977 | ||||||||
| XXXXXX-1467 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1468 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1469 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-03-20 00:41 | 2026-03-23 09:37 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/21/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8229172 | ||||||||
| XXXXXX-1469 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-03-20 00:41 | 2026-03-23 09:36 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/21/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8229171 | ||||||||
| XXXXXX-1470 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1471 | C | A | A | A | C | A | A | A | Closed | 57830-62760 | 2026-03-23 00:56 | 2026-03-24 04:58 | Resolved | 1 - Information | C | A | Compliance | Tolerance:APR | Federal - Open-End APR Disclosure Tolerance (TILA) | Resolved- - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 Rescinded- - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 Rescinded-not hc - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open-The disclosed initial APR (14.99) is higher than the actual initial corresponding APR (14.49). TILA considers a disclosed initial corresponding APR inaccurate if it is more than .125% above the actual initial corresponding APR on an open-end mortgage loan. (12 CFR 1026.14(a)) - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 |
Resolved- - Due Diligence Vendor-03/24/2026 Rescinded- - Due Diligence Vendor-03/24/2026 Rescinded-not hc - Due Diligence Vendor-03/23/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8256303 | ||||||||
| XXXXXX-1471 | C | A | A | A | C | A | A | A | Closed | 1000395-1001044 | 2026-03-23 00:56 | 2026-03-24 04:58 | Resolved | 1 - Information | C | A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved- - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 Rescinded- - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 Rescinded-not hc - Due Diligence Vendor-03/23/2026 Resolved- - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open-You submitted a late fee amount of ($29.00) and a (0.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (12 CFR 1026.34(a)(8)(i)) - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 |
Resolved- - Due Diligence Vendor-03/24/2026 Rescinded- - Due Diligence Vendor-03/24/2026 Rescinded-not hc - Due Diligence Vendor-03/23/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8256304 | ||||||||
| XXXXXX-1471 | C | A | A | A | C | A | A | A | Closed | 5000860-HighCost-APR/FEES | 2026-03-23 00:56 | 2026-03-24 04:58 | Resolved | 1 - Information | C | A | Compliance | Mavent | HighCost: APR/FEES | Resolved- - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 Rescinded-not hc - Due Diligence Vendor-03/23/2026 Resolved- - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open-The loan APR (15.24%) exceeds the (FED2014) Federal High Cost APR limit, which is (15.16%), the difference is (0.08%). (12 CFR 1026.32). - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 |
Rescinded-not hc - Due Diligence Vendor-03/23/2026 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8256305 | ||||||||
| XXXXXX-1472 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1473 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1474 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1475 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1476 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1477 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1478 | D | D | A | A | C | A | D | D | Closed | FPRO7549 | 2026-04-03 09:02 | 2026-04-03 09:02 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post-close appraised value of [Redacted] does not support origination value. - Due Diligence Vendor-04/03/2026 | Acknowledged-Post-close appraised value of [Redacted] does not support origination value. - Due Diligence Vendor-04/03/2026 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 8475915 | ||||||||
| XXXXXX-1478 | D | D | A | A | C | A | D | D | Closed | FCRE4866 | 2026-03-20 02:37 | 2026-03-31 10:21 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-Updated first lien mortgage clears finding now CLTV within tolerance - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. The homebalance amount was $[Redacted] and it is amortized adjusted home balance. See attached file for details. CLTV is still within the policy guidelines. - Seller-03/30/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. (Subject new HELOC of ([Redacted] ) - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. The homebalance amount was $[Redacted] and it is amortized adjusted home balance. See attached file for details. CLTV is still within the policy guidelines. - Seller-03/30/2026 |
Resolved-Updated first lien mortgage clears finding now CLTV within tolerance - Due Diligence Vendor-03/31/2026 | [Redacted] | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8230309 | ||||||
| XXXXXX-1478 | D | D | A | A | C | A | D | D | Closed | 71590 | 2026-03-20 02:37 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/20/2026 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8230310 | ||||||||
| XXXXXX-1479 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1480 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1481 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1482 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1483 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1484 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1485 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1486 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-03-20 04:13 | 2026-03-31 12:02 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received Satisfaction of mortgage . - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation of $[Redacted] - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 | Resolved-Received Satisfaction of mortgage . - Due Diligence Vendor-03/31/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8230967 | ||||||
| XXXXXX-1487 | C | A | A | A | C | A | A | A | Closed | 71590 | 2026-03-19 00:41 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/20/2026 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) Late charge entries validated from Note Document - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8203844 | ||||||||
| XXXXXX-1488 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1489 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1490 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1491 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1492 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-03-19 00:11 | 2026-04-02 12:30 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Accepted verbal pif - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Attached notes from our Ops team, where they got a verbal PIF from the lender. - Seller-04/02/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Attached notes from our Ops team, where they got a verbal PIF from the lender. - Seller-04/02/2026 | Resolved-Accepted verbal pif - Due Diligence Vendor-04/02/2026 | [Redacted] | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8203689 | ||||||
| XXXXXX-1493 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1494 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NE | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1495 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2026-03-19 00:07 | 2026-03-19 08:18 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/19/2026 Open-The (12.99%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.63%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/19/2026 |
[Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8203663 | ||||||||
| XXXXXX-1496 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1497 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1498 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1499 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1500 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1501 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1502 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-03-19 05:22 | 2026-03-20 11:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8206771 | ||||||||
| XXXXXX-1503 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1504 | C | A | A | A | C | A | A | A | Closed | 56820-60920 | 2026-03-19 01:16 | 2026-03-19 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (MLILCPA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/19/2026 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/19/2026 Open-Under the [Redacted] Mortgage Licensing Act, a late fee cannot exceed the greater of 10% of the payment or $20.00. (7[Redacted]Stat. 6125) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/19/2026 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/19/2026 |
[Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8204048 | ||||||||
| XXXXXX-1505 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2026-03-19 13:03 | 2026-04-01 11:41 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-03/19/2026 |
Ready for Review-Document Uploaded. Check SOM - Seller-03/31/2026 | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-04/01/2026 | [Redacted] | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8221234 | ||||||
| XXXXXX-1505 | C | A | C | A | C | A | A | A | Closed | 1001200-1003360 | 2026-03-19 02:29 | 2026-03-20 07:42 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/19/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Entries correct in related fields - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8204395 | ||||||||
| XXXXXX-1505 | C | A | C | A | C | A | A | A | Closed | 2640-1003357 | 2026-03-19 02:29 | 2026-03-20 07:42 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/19/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8204394 | ||||||||
| XXXXXX-1506 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1507 | C | A | A | A | C | A | A | A | Closed | 1120 | 2026-03-19 04:06 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/19/2026 Open-Under the [Redacted] Residential Mortgage Lending Act the late fee cannot exceed 5% of the past due payment. ([Redacted] Rev. Stat. Ann. 6:1097(B)(2)) Late charge entries validated from Note Document - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8206124 | ||||||||
| XXXXXX-1508 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1509 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1510 | D | A | D | A | A | A | A | A | Closed | 123ABJ | 2026-03-23 01:10 | 2026-04-01 11:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Cert provided by ops team clears finding - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. Uploaded certificate of employment verification for our ops team - Seller-03/31/2026 Open-VVOE is missing in file as loan amount is greater than [Redacted]. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. Uploaded certificate of employment verification for our ops team - Seller-03/31/2026 | Resolved-Cert provided by ops team clears finding - Due Diligence Vendor-04/01/2026 | [Redacted] | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8256356 | ||||||
| XXXXXX-1511 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1512 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1513 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-03-19 02:59 | 2026-03-19 14:28 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/19/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/19/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8205665 | ||||||||
| XXXXXX-1514 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1515 | C | A | A | A | C | A | A | A | Closed | 30270-1004233 | 2026-03-19 06:37 | 2026-03-20 11:31 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.59%). To determine the "loan yield" the system used the greater of the loan's (11.24%) APR, (10.99%) Note Rate, or (11.24%) Fully Indexed Rate. The threshold was calculated using the (6.59%) comparable APOR based on the date the interest rate was set plus four points. ([Redacted] Stat. 47.20, Subd. 4a). - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 |
[Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8207609 | ||||||||
| XXXXXX-1515 | C | A | A | A | C | A | A | A | Closed | 30270-1004121 | 2026-03-19 06:37 | 2026-03-20 11:31 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.61%) published monthly by the [Redacted] Commerce Department. To determine the "loan yield" the system used the greater of the loan's (11.24%) APR, (10.99%) Note Rate, or (11.24%) Fully Indexed Rate. ([Redacted] Stat. 47.20, Subd. 4a; www.mn.gov/commerce/money/industry/interest-rates/) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 |
[Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8207610 | ||||||||
| XXXXXX-1515 | C | A | A | A | C | A | A | A | Closed | 54350-56990 | 2026-03-19 06:37 | 2026-03-20 11:31 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Charge (FCCLP) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 Open-Under the [Redacted] Financial Corporations Conventional Loan Provisions, the late charge may not exceed the greater of 5% of the delinquent payment or ($9.88). ([Redacted] Stat. 47.20, Subd. 6b; 47.59, Subd. 6(a)(4)) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/20/2026 |
[Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8207611 | ||||||||
| XXXXXX-1516 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1517 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1518 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1519 | C | A | A | A | C | A | A | A | Closed | 54350-56990 | 2026-03-20 00:03 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Charge (FCCLP) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-Under the [Redacted] Financial Corporations Conventional Loan Provisions, the late charge may not exceed the greater of 5% of the delinquent payment or ($9.88). ([Redacted] Stat. 47.20, Subd. 6b; 47.59, Subd. 6(a)(4)) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8228918 | ||||||||
| XXXXXX-1520 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1521 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1522 | C | A | A | A | C | A | A | A | Closed | 8610-13390 | 2026-03-20 01:08 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8229371 | ||||||||
| XXXXXX-1522 | C | A | A | A | C | A | A | A | Closed | 63420-76210 | 2026-03-20 01:08 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($272.25), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8229372 | ||||||||
| XXXXXX-1523 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-03-22 22:27 | 2026-04-02 12:31 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Accept verbal pif - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Attached notes from our Ops team, where they got a verbal PIF from the lender. - Seller-04/02/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. Attached notes from our Ops team, where they got a verbal PIF from the lender. - Seller-04/02/2026 | Resolved-Accept verbal pif - Due Diligence Vendor-04/02/2026 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8255720 | ||||||
| XXXXXX-1524 | C | C | C | C | A | A | A | A | Closed | FCRE1195 | 2026-03-23 02:57 | 2026-04-02 12:24 | Acknowledged | 3 - Material | C | C | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Acknowledged by lender - Due Diligence Vendor-04/02/2026 Ready for Review-Acknowledged. The lien wasn't found in the original waterfall, but it will be found in the updated Lien recall logic. - Seller-04/02/2026 Open-Audited CLTV of % TPR Calculated CLTV is [Redacted]% exceeds max allowed of [Redacted]%. ([Redacted] - Due Diligence Vendor-03/23/2026 |
Ready for Review-Acknowledged. The lien wasn't found in the original waterfall, but it will be found in the updated Lien recall logic. - Seller-04/02/2026 | Acknowledged-Acknowledged by lender - Due Diligence Vendor-04/02/2026 | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 8256866 | |||||||
| XXXXXX-1525 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1526 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1527 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2026-03-19 22:14 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8228424 | ||||||||
| XXXXXX-1528 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1529 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1530 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1531 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1532 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1533 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1534 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1535 | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2026-03-23 05:56 | 2026-03-31 10:24 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Received AVM proof of value - Due Diligence Vendor-03/31/2026 Ready for Review-Document Uploaded. See Estimated Value, see attached file for details - Seller-03/30/2026 Open-Please provide complete Valuation document as provided value analysis report is missing . As of now, considered property value from tape data for CLTV calculation. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. See Estimated Value, see attached file for details - Seller-03/30/2026 | Resolved-Received AVM proof of value - Due Diligence Vendor-03/31/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8261186 | ||||||
| XXXXXX-1536 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1537 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1538 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1539 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1540 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1541 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1542 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1543 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1544 | B | A | B | A | A | A | A | A | Closed | FCRE2021 | 2026-03-23 05:08 | 2026-03-31 10:15 | Resolved | 1 - Information | B | A | Credit | Debt | Verified DTI varies from Qualifying DTI by greater than 5% | Resolved-Accept investor explanation and now dti's are within tolerance - Due Diligence Vendor-03/31/2026 Ready for Review-The tape shows POSTLINE_DTI = 22.4% and POSTLINE_DTI_DERIVED_INCOME = 24.91%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-03/30/2026 Open-TPR calculated DTI 36.23% not matching with lender DTI 24.91%which is >5% ([Redacted]=36.23% DTI - Due Diligence Vendor-03/23/2026 |
Ready for Review-The tape shows POSTLINE_DTI = 22.4% and POSTLINE_DTI_DERIVED_INCOME = 24.91%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME =[Redacted]. - Seller-03/30/2026 | Resolved-Accept investor explanation and now dti's are within tolerance - Due Diligence Vendor-03/31/2026 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8260645 | |||||||
| XXXXXX-1545 | D | A | D | A | A | A | A | A | Closed | FCRE1764 | 2026-03-24 09:50 | 2026-04-01 11:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received updated lien report showing mortgage - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See Prior Loan History, $[Redacted] release - Seller-03/31/2026 Open-the first lien lender used with original balance of $[Redacted] opened in [Redacted] was last paid on in [Redacted]. There is a newer lien on credit for $[Redacted] that was opened in [Redacted] This appears to be refinance of the [Redacted] lien. Need [Redacted] to support correct first lien as the [Redacted] does not appear to be the correct first lien - Due Diligence Vendor-03/24/2026 |
Ready for Review-Document Uploaded. See Prior Loan History, $[Redacted] release - Seller-03/31/2026 | Resolved-Received updated lien report showing mortgage - Due Diligence Vendor-04/01/2026 | [Redacted] | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8291613 | ||||||
| XXXXXX-1546 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-03-19 08:46 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8210982 | ||||||||
| XXXXXX-1546 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-03-19 08:46 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Entries correct in related fields - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8210984 | ||||||||
| XXXXXX-1547 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1548 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1549 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1550 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1551 | C | A | A | A | C | A | A | A | Closed | 71590 | 2026-03-19 04:40 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/19/2026 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) Late charge entries validated from Note Document - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8206345 | ||||||||
| XXXXXX-1552 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1553 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1554 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1555 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1556 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-03-23 05:30 | 2026-04-01 09:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Received title proof - Due Diligence Vendor-04/01/2026 Resolved-Title Document is fully Present - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See attached file - Seller-03/31/2026 Open-Title Document is missing Please provide Title Report as it is missing in File and loan amount is >[Redacted] which is $[Redacted] - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. See attached file - Seller-03/31/2026 | Resolved-Received title proof - Due Diligence Vendor-04/01/2026 Resolved-Title Document is fully Present - Due Diligence Vendor-04/01/2026 |
[Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8260847 | ||||||
| XXXXXX-1557 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1558 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1559 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1560 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1561 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1562 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1563 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1564 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1565 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1566 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1567 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1568 | D | A | D | A | C | A | A | A | Closed | FCRE1152 | 2026-03-20 03:16 | 2026-04-01 11:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/01/2026 Resolved-Received tax info - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See Property Tax - Seller-03/31/2026 Open-Missing Evidence of Property Tax Tax amount is not reflecting in the available CL property report. - Due Diligence Vendor-03/20/2026 |
Ready for Review-Document Uploaded. See Property Tax - Seller-03/31/2026 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/01/2026 Resolved-Received tax info - Due Diligence Vendor-04/01/2026 |
[Redacted] | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8230560 | ||||||
| XXXXXX-1568 | D | A | D | A | C | A | A | A | Closed | 22700-28700 | 2026-03-20 05:27 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8232929 | ||||||||
| XXXXXX-1569 | C | A | A | A | C | A | A | A | Closed | 1120 | 2026-03-20 04:44 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-Under the [Redacted] Residential Mortgage Lending Act the late fee cannot exceed 5% of the past due payment. ([Redacted] Rev. Stat. Ann. 6:1097(B)(2)) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8231380 | ||||||||
| XXXXXX-1570 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1571 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1572 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1573 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1574 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1575 | C | A | A | A | C | A | A | A | Closed | 3110-2450 | 2026-03-24 07:45 | 2026-03-24 13:13 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (LOC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Usury Provisions, the late fee must be the lesser of 5% or $10. (Ariz. Rev. Stat. 44-1205(B) - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/24/2026 |
[Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8286701 | ||||||||
| XXXXXX-1576 | A | A | A | A | A | A | A | A | Closed | 2640-1003357 | 2026-03-23 13:40 | 2026-03-23 14:27 | Resolved | 1 - Information | A | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8272631 | ||||||||
| XXXXXX-1576 | A | A | A | A | A | A | A | A | Closed | 1001200-1003360 | 2026-03-23 13:40 | 2026-03-23 14:27 | Resolved | 1 - Information | A | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8272632 | ||||||||
| XXXXXX-1577 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-03-23 01:57 | 2026-04-01 09:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Received title proof - Due Diligence Vendor-04/01/2026 Resolved-Title Document is fully Present - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See attached file - Seller-03/31/2026 Open-Title Document is missing - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. See attached file - Seller-03/31/2026 | Resolved-Received title proof - Due Diligence Vendor-04/01/2026 Resolved-Title Document is fully Present - Due Diligence Vendor-04/01/2026 |
[Redacted] | [Redacted] | NH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8256578 | ||||||
| XXXXXX-1578 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1579 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1580 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-03-20 05:32 | 2026-03-23 08:10 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/20/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8232984 | ||||||||
| XXXXXX-1580 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-03-20 05:32 | 2026-03-23 08:10 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Entries correct in related fields - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8232985 | ||||||||
| XXXXXX-1581 | C | A | A | A | C | A | A | A | Closed | 1000761-1002268 | 2026-03-18 03:21 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (CCPA) (2015) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/18/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). This loan has an installment amount of ($218.98). The [Redacted] Consumer Credit and Protection Act limits the late fee to 5% of the late installment or $30, whichever is less. ([Redacted] Code 46A-3-113) Late charge entries validated from Note Document - Due Diligence Vendor-03/18/2026 Open- - Due Diligence Vendor-03/18/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | WV | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8177313 | ||||||||
| XXXXXX-1582 | C | A | A | A | C | A | A | A | Closed | 16480-22180 | 2026-03-19 13:19 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Max Late Charge (CLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-The [Redacted] Consumer Loan Act prohibits a late fee in excess of the 5% of the past due amount or $10, whichever is greater. ([Redacted] Rev. Stat. 286.4-533) Late charge entries validated from Note Document - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8221684 | ||||||||
| XXXXXX-1583 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1584 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1585 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-03-20 04:18 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8231030 | ||||||||
| XXXXXX-1585 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-03-20 04:18 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/23/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8231031 | ||||||||
| XXXXXX-1586 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1587 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1588 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1589 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1590 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1591 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-03-23 03:44 | 2026-04-01 11:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/01/2026 Resolved-Received tax info - Due Diligence Vendor-04/01/2026 Ready for Review-Document Uploaded. See Property Tax - Seller-03/31/2026 Open-Missing Evidence of Property Tax - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. See Property Tax - Seller-03/31/2026 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/01/2026 Resolved-Received tax info - Due Diligence Vendor-04/01/2026 |
[Redacted] | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8257227 | ||||||
| XXXXXX-1592 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1593 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1594 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1595 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-03-19 06:25 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8207435 | ||||||||
| XXXXXX-1596 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1597 | C | A | A | A | C | A | A | A | Closed | 1000761-1002268 | 2026-03-18 06:37 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (CCPA) (2015) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/18/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). This loan has an installment amount of ($303.93). The [Redacted] Consumer Credit and Protection Act limits the late fee to 5% of the late installment or $30, whichever is less. ([Redacted] Code 46A-3-113) Late charge entries validated from Note Document - Due Diligence Vendor-03/18/2026 Open- - Due Diligence Vendor-03/18/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8180551 | ||||||||
| XXXXXX-1598 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1599 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-03-23 05:44 | 2026-04-02 12:26 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Accept lenders info regarding the lien payoff - Due Diligence Vendor-04/02/2026 Ready for Review-Document Uploaded. Attached notes from our Ops team, where they got a verbal PIF from the lender. - Seller-04/02/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-03/23/2026 |
Ready for Review-Document Uploaded. Attached notes from our Ops team, where they got a verbal PIF from the lender. - Seller-04/02/2026 | Resolved-Accept lenders info regarding the lien payoff - Due Diligence Vendor-04/02/2026 | [Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8260996 | ||||||
| XXXXXX-1600 | C | A | A | A | C | A | A | A | Closed | 56820-60920 | 2026-03-20 06:33 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (MLILCPA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open- - Due Diligence Vendor-03/21/2026 Open-Under the [Redacted] Mortgage Licensing Act, a late fee cannot exceed the greater of 10% of the payment or $20.00. (7[Redacted]Stat. 6125) - Due Diligence Vendor-03/20/2026 Open- - Due Diligence Vendor-03/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8233734 | ||||||||
| XXXXXX-1601 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-03-19 09:20 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8212060 | ||||||||
| XXXXXX-1601 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-03-19 09:20 | 2026-03-23 14:27 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Entries correct in related fields - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/19/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-03/23/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8212061 | ||||||||
| XXXXXX-1602 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1603 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1604 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-201 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-202 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-203 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-204 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-205 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-206 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-207 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-208 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-209 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-04-20 06:56 | 2026-05-20 10:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 Resolved-Received photo id document - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. uplaoded - Seller-05/12/2026 Open-No Photo ID in File Photo ID is missing for B1 - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. uplaoded - Seller-05/12/2026 | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 Resolved-Received photo id document - Due Diligence Vendor-05/12/2026 |
[Redacted] | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8765157 | ||||||
| XXXXXX-209 | D | A | D | A | A | A | A | A | Closed | 123ABJ | 2026-04-20 06:59 | 2026-04-21 13:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Plaid in file is 3rd party verification - Due Diligence Vendor-04/21/2026 Open-Missing VVOE for credit limits greater than [Redacted]. - Due Diligence Vendor-04/20/2026 |
Resolved-Plaid in file is 3rd party verification - Due Diligence Vendor-04/21/2026 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8765206 | ||||||||
| XXXXXX-210 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-211 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-212 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-213 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-214 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-215 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-04-11 03:54 | 2026-04-21 13:49 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/18/2026 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/13/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-04/11/2026 Open- - Due Diligence Vendor-04/11/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/21/2026 Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/13/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8609592 | ||||||||
| XXXXXX-216 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-217 | A | B | A | B | A | A | A | A | Closed | FCRE4866 | 2026-04-15 02:59 | 2026-05-12 13:46 | Acknowledged | 2 - Non-Material | A | B | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Acknowledged-Investor acknowledges TPR dti and is within guidelines - Due Diligence Vendor-05/12/2026 Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE = [Redacted] - Seller-05/12/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted]) - Due Diligence Vendor-04/15/2026 |
Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE = [Redacted] - Seller-05/12/2026 | Acknowledged-Investor acknowledges TPR dti and is within guidelines - Due Diligence Vendor-05/12/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 8668194 | |||||||
| XXXXXX-218 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-219 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-220 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-221 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-222 | D | A | D | A | C | A | A | A | Closed | FCRE1152 | 2026-04-16 05:53 | 2026-05-12 13:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/12/2026 Resolved-Received proof of taxes paid - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. uploaded - Seller-05/12/2026 Open-Missing Evidence of Property Tax - Due Diligence Vendor-04/16/2026 |
Ready for Review-Document Uploaded. uploaded - Seller-05/12/2026 | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-05/12/2026 Resolved-Received proof of taxes paid - Due Diligence Vendor-05/12/2026 |
[Redacted] | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8702085 | ||||||
| XXXXXX-222 | D | A | D | A | C | A | A | A | Closed | 22700-28700 | 2026-04-16 06:15 | 2026-04-16 12:05 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/16/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/16/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8702441 | ||||||||
| XXXXXX-223 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-224 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-225 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-04-17 04:47 | 2026-05-20 11:09 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Release of lien is now present - Due Diligence Vendor-05/20/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation in the amount of $[Redacted]. - Due Diligence Vendor-04/17/2026 |
Resolved-Release of lien is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8729925 | ||||||||
| XXXXXX-226 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-227 | C | A | A | A | C | A | A | A | Closed | 3110-2450 | 2026-04-16 03:54 | 2026-04-22 10:30 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (LOC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/22/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Usury Provisions, the late fee must be the lesser of 5% or $10. (Ariz. Rev. Stat. 44-1205(B) - Due Diligence Vendor-04/16/2026 Open- - Due Diligence Vendor-04/16/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/22/2026 | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8700609 | ||||||||
| XXXXXX-228 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-229 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-230 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-231 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-232 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-233 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-234 | D | A | D | A | C | A | A | A | Closed | FCRE6399 | 2026-04-18 02:29 | 2026-05-20 11:09 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Release of lien is now present - Due Diligence Vendor-05/20/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation in the amount of $[Redacted]. - Due Diligence Vendor-04/18/2026 |
Resolved-Release of lien is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8751582 | ||||||||
| XXXXXX-234 | D | A | D | A | C | A | A | A | Closed | 123ABJ | 2026-04-18 02:53 | 2026-04-22 10:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Plaid provided is the third party validation required - Due Diligence Vendor-04/22/2026 Open-VOE is missing in file as loan amount is greater than $[Redacted]. (provided Worknumber showing Error) - Due Diligence Vendor-04/18/2026 |
Resolved-Plaid provided is the third party validation required - Due Diligence Vendor-04/22/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8751592 | ||||||||
| XXXXXX-234 | D | A | D | A | C | A | A | A | Closed | 1001200-1003360 | 2026-04-18 02:52 | 2026-04-21 10:31 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/21/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-04/18/2026 Open- - Due Diligence Vendor-04/18/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/21/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8751591 | ||||||||
| XXXXXX-234 | D | A | D | A | C | A | A | A | Closed | 2640-1003357 | 2026-04-18 02:52 | 2026-04-21 10:30 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/21/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-04/18/2026 Open- - Due Diligence Vendor-04/18/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/21/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8751590 | ||||||||
| XXXXXX-235 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-236 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-237 | D | A | D | A | A | A | A | A | Closed | 123ABJ | 2026-04-17 05:27 | 2026-05-12 13:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received vwoe - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. uploaded - Seller-05/12/2026 Open-VVOE is missing for both borrowers with credit limits exceeding [Redacted] - Due Diligence Vendor-04/17/2026 |
Ready for Review-Document Uploaded. uploaded - Seller-05/12/2026 | Resolved-Received vwoe - Due Diligence Vendor-05/12/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8730621 | ||||||
| XXXXXX-238 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-04-13 04:18 | 2026-04-13 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/13/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/13/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8618255 | ||||||||
| XXXXXX-239 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-240 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-04-13 23:37 | 2026-04-14 11:50 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/14/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-04/14/2026 Open- - Due Diligence Vendor-04/14/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/14/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8639841 | ||||||||
| XXXXXX-240 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-04-13 23:37 | 2026-04-14 11:50 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/14/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-04/14/2026 Open- - Due Diligence Vendor-04/14/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/14/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8639840 | ||||||||
| XXXXXX-241 | C | A | A | A | C | A | A | A | Closed | 940-260 | 2026-04-13 03:28 | 2026-04-22 10:30 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/22/2026 Open-You submitted a ($29.00) Late Fee Amount, and a (0.0%) Late Fee Percent. (0.0%) of the unpaid installment is ($7.57). Under the [Redacted] UCCC, the late fee may not exceed 5% on the unpaid amount of the installment. (Colo. Rev. Stat. 5-2-203) - Due Diligence Vendor-04/13/2026 Open- - Due Diligence Vendor-04/13/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/22/2026 | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8614721 | ||||||||
| XXXXXX-242 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-243 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-244 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-245 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-246 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-247 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-248 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1605 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1606 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1607 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-04-23 00:31 | 2026-04-29 08:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Received ID document - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. - Seller-04/28/2026 Open-No Photo ID in File Photo ID is missing for B1. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. - Seller-04/28/2026 | Resolved-Received ID document - Due Diligence Vendor-04/29/2026 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8833249 | ||||||
| XXXXXX-1608 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1609 | C | A | A | A | C | A | A | A | Closed | 3110-2450 | 2026-04-22 03:32 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (LOC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Usury Provisions, the late fee must be the lesser of 5% or $10. (Ariz. Rev. Stat. 44-1205(B) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8812625 | ||||||||
| XXXXXX-1610 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1611 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1612 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1613 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1614 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1615 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2026-04-22 04:47 | 2026-04-30 06:26 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-release now present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. See the attached file for details - Seller-04/29/2026 Open-Title Report shows lien release in place but no lien release is present. Please provide Lien Release document for the amount of $50000. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. See the attached file for details - Seller-04/29/2026 | Resolved-release now present - Due Diligence Vendor-04/30/2026 | [Redacted] | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8813543 | ||||||
| XXXXXX-1615 | C | A | C | A | C | A | A | A | Closed | 1001200-1003360 | 2026-04-22 04:59 | 2026-04-23 11:20 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8813654 | ||||||||
| XXXXXX-1615 | C | A | C | A | C | A | A | A | Closed | 2640-1003357 | 2026-04-22 04:59 | 2026-04-23 11:20 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8813653 | ||||||||
| XXXXXX-1616 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1617 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1618 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1619 | D | D | A | A | A | A | D | D | Closed | FPRO7549 | 2026-05-11 12:14 | 2026-05-11 12:14 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post-close value of [Redacted] does not support origination value. - Due Diligence Vendor-05/11/2026 | Acknowledged-Post-close value of [Redacted] does not support origination value. - Due Diligence Vendor-05/11/2026 | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 9134508 | ||||||||
| XXXXXX-1620 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1621 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1622 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2026-04-20 01:57 | 2026-04-21 12:19 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-04/21/2026 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-04/20/2026 |
Subtenant comment: We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance - 04/21/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-04/21/2026 |
[Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8757789 | |||||||
| XXXXXX-1623 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1624 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1625 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-04-21 04:12 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8790194 | ||||||||
| XXXXXX-1626 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1627 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1628 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2026-04-20 01:52 | 2026-04-21 12:26 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-04/21/2026 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-04/20/2026 |
Subtenant comment: We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance - 04/21/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-04/21/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8757743 | |||||||
| XXXXXX-1629 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-04-21 05:55 | 2026-05-05 08:17 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received release - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. See the attached file for details - Seller-05/04/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation for loan amount $[Redacted]. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. See the attached file for details - Seller-05/04/2026 | Resolved-Received release - Due Diligence Vendor-05/05/2026 | [Redacted] | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8791459 | ||||||
| XXXXXX-1630 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1631 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-04-21 22:05 | 2026-04-29 08:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Received ID document - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. See attached file - Seller-04/28/2026 Open-No Photo ID in File Provided SSN Completion report result shows as Fail. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. See attached file - Seller-04/28/2026 | Resolved-Received ID document - Due Diligence Vendor-04/29/2026 | [Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8808684 | ||||||
| XXXXXX-1632 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1633 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-04-22 22:10 | 2026-04-30 06:35 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-proof the 20k lien is no longer open now present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. $[Redacted] has been released, see the attached file for details - Seller-04/29/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation for loan amount $[Redacted]. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. $[Redacted] has been released, see the attached file for details - Seller-04/29/2026 |
Resolved-proof the [Redacted] lien is no longer open now present - Due Diligence Vendor-04/30/2026 | [Redacted] | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8832221 | ||||||
| XXXXXX-1634 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1635 | D | A | B | A | D | A | A | A | Closed | FCOM1206 | 2026-04-24 07:00 | 2026-05-22 13:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/11/2026 Resolved-Received signed documents - Due Diligence Vendor-05/11/2026 Counter-Note is now present but is not executed. Please proved an executed copy. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Seller-05/08/2026 Counter-this is incorrect package. these docs belong to a different borrower - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. See attached file - Seller-04/28/2026 Open-The Note is Missing - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. - Seller-05/08/2026 Ready for Review-Document Uploaded. See attached file - Seller-04/28/2026 |
Resolved-The Note is Present - Due Diligence Vendor-05/11/2026 Resolved-Received signed documents - Due Diligence Vendor-05/11/2026 |
[Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8863044 | ||||||
| XXXXXX-1635 | D | A | B | A | D | A | A | A | Closed | FCRE2021 | 2026-04-24 09:54 | 2026-05-11 11:54 | Resolved | 1 - Information | B | A | Credit | Debt | Verified DTI varies from Qualifying DTI by greater than 5% | Resolved-Received update documents and finding is now cleared - Due Diligence Vendor-05/11/2026 Counter-this is incorrect package. these docs belong to a different borrower - Due Diligence Vendor-04/29/2026 Ready for Review-The tape shows POSTLINE_DTI = 46.36% and POSTLINE_DTI_DERIVED_INCOME = 52.64%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 =[Redacted] Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME =[Redacted]- Seller-04/28/2026 Open- - Due Diligence Vendor-04/24/2026 |
Ready for Review-The tape shows POSTLINE_DTI = 46.36% and POSTLINE_DTI_DERIVED_INCOME = 52.64%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME =[Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME =[Redacted]. - Seller-04/28/2026 | Resolved-Received update documents and finding is now cleared - Due Diligence Vendor-05/11/2026 | DTI is currently not matching as not is missing. Upon receipt will re review. | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8869317 | ||||||
| XXXXXX-1635 | D | A | B | A | D | A | A | A | Closed | FCOM4283 | 2026-04-24 09:58 | 2026-05-11 11:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Deed of Trust | Resolved-Received signed documents - Due Diligence Vendor-05/11/2026 Counter-Executed deed of trust is now present however it is missing Security Instrument date on page 1. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. uploaded correct one - Seller-05/08/2026 Counter-this is incorrect package. these docs belong to a different borrower - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. See attached file - Seller-04/28/2026 Open- - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. uploaded correct one - Seller-05/08/2026 Ready for Review-Document Uploaded. See attached file - Seller-04/28/2026 |
Resolved-Received signed documents - Due Diligence Vendor-05/11/2026 | Deed of trust is missing. | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8869422 | |||||
| XXXXXX-1635 | D | A | B | A | D | A | A | A | Closed | FCOM1262 | 2026-04-24 09:59 | 2026-05-11 11:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received signed documents - Due Diligence Vendor-05/11/2026 Counter-Right of Recession is now present but is not executed. Please provide an executed copy. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. - Seller-05/08/2026 Counter-this is incorrect package. these docs belong to a different borrower - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. - Seller-04/28/2026 Open- - Due Diligence Vendor-04/24/2026 |
Ready for Review-Document Uploaded. - Seller-05/08/2026 Ready for Review-Document Uploaded. - Seller-04/28/2026 |
Resolved-Received signed documents - Due Diligence Vendor-05/11/2026 | Right to cancel is missing. | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8869425 | |||||
| XXXXXX-1636 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1637 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-04-21 23:38 | 2026-04-22 12:09 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/22/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/22/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8809355 | ||||||||
| XXXXXX-1638 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-04-21 22:09 | 2026-04-29 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/29/2026 Resolved-$[Redacted] taxes now present - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. See Property Tax for details. - Seller-04/28/2026 Open-Missing Evidence of Property Tax - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. See Property Tax for details. - Seller-04/28/2026 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/29/2026 Resolved-$[Redacted] taxes now present - Due Diligence Vendor-04/29/2026 |
[Redacted] | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8808696 | ||||||
| XXXXXX-1639 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1640 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1641 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-04-22 00:46 | 2026-04-30 08:10 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-proof that the [Redacted] lien is not active on title is now present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. $[Redacted] has been released, see the attached file for details - Seller-04/29/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation $[Redacted] - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. $[Redacted] has been released, see the attached file for details - Seller-04/29/2026 |
Resolved-proof that the [Redacted] lien is not active on title is now present - Due Diligence Vendor-04/30/2026 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8810079 | ||||||
| XXXXXX-1642 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1643 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1644 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1645 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1646 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1647 | D | A | D | A | A | A | A | A | Closed | FCRE9592 | 2026-04-23 04:30 | 2026-04-29 13:35 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-proof second lien now present. CLTV is now [Redacted] and qualifies. Lender submitted originally as a second but incorrect cltv - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. There's an active lien, see the attached file for details - Seller-04/28/2026 Open-Lien Position Changed 2 to 1 as there are no open liens on title and no other Home Loan balance on tape - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. There's an active lien, see the attached file for details - Seller-04/28/2026 |
Resolved-proof second lien now present. CLTV is now [Redacted] and qualifies. Lender submitted originally as a second but incorrect cltv - Due Diligence Vendor-04/29/2026 | [Redacted] | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8836931 | ||||||
| XXXXXX-1647 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-04-23 04:43 | 2026-04-29 13:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-lender provided proof that this is a second lien. LTV updated and ins no longer required under guidelines - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. HOI not required, currently in a 2nd lien position. - Seller-04/28/2026 Open-Missing Hazard Insurance Policy HOI is missing in file. as this is a first lien, not a second and loan amount exceeds 1ook. Note there are no open liens on title, making this a first lien - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. HOI not required, currently in a 2nd lien position. - Seller-04/28/2026 |
Resolved-lender provided proof that this is a second lien. LTV updated and ins no longer required under guidelines - Due Diligence Vendor-04/29/2026 | [Redacted] | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8837165 | ||||||
| XXXXXX-1648 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1649 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1650 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1651 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1652 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1653 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-04-22 00:11 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/23/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8809710 | ||||||||
| XXXXXX-1653 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-04-22 00:11 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/23/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8809711 | ||||||||
| XXXXXX-1654 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1655 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1656 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1657 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1658 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1659 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1660 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-04-21 03:42 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/22/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late Charge entries verified from Note document. - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8789865 | ||||||||
| XXXXXX-1661 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1662 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1663 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-04-21 04:16 | 2026-05-08 08:17 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Proof of payoff received - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. see uploaded doc - Seller-05/08/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. see uploaded doc - Seller-05/08/2026 | Resolved-Proof of payoff received - Due Diligence Vendor-05/08/2026 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8790225 | ||||||
| XXXXXX-1664 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1665 | B | B | B | B | A | A | A | A | Closed | FCRE2021 | 2026-04-21 06:08 | 2026-05-08 08:21 | Acknowledged | 2 - Non-Material | B | B | Credit | Debt | Verified DTI varies from Qualifying DTI by greater than 5% | Acknowledged-Lender acknowledged - Due Diligence Vendor-05/08/2026 Counter-this calculation does not account for the non-reported lien on subject property. this was not on credit and debts of $3896.33 do not account for the unreported lien. Lender to confirm TPR calculations are accurate - Due Diligence Vendor-04/29/2026 Ready for Review-The tape shows POSTLINE_DTI = 40.46% and POSTLINE_DTI_DERIVED_INCOME = 37.99%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-04/28/2026 Open-TPR Calculated DTI is 47.1% not matching with Lender DTI 40.46% (Proposed HELOC payment [Redacted]- Due Diligence Vendor-04/21/2026 |
Ready for Review-The tape shows POSTLINE_DTI = 40.46% and POSTLINE_DTI_DERIVED_INCOME = 37.99%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]. Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = ([Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-04/28/2026 | Acknowledged-Lender acknowledged - Due Diligence Vendor-05/08/2026 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | 8791812 | |||||||
| XXXXXX-1666 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-04-21 22:27 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8808824 | ||||||||
| XXXXXX-1667 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1668 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1669 | C | A | A | A | C | A | A | A | Closed | 30270-1004233 | 2026-04-22 00:38 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/22/2026 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.56%). To determine the "loan yield" the system used the greater of the loan's (15.24%) APR, (14.99%) Note Rate, or (15.24%) Fully Indexed Rate. The threshold was calculated using the (6.56%) comparable APOR based on the date the interest rate was set plus four points. ([Redacted] Stat. 47.20, Subd. 4a). - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8809995 | ||||||||
| XXXXXX-1670 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1671 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2026-04-22 01:24 | 2026-04-22 19:03 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-The (12.49%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.61%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8810374 | ||||||||
| XXXXXX-1672 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1673 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1674 | C | B | C | B | C | A | A | A | Closed | FCRE9592 | 2026-04-27 12:55 | 2026-05-05 08:18 | Acknowledged | 2 - Non-Material | C | B | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Acknowledged-Lender acknowledged and is within cltv guidelines - Due Diligence Vendor-05/05/2026 Ready for Review-Acknowledged. CLTV is still within the policy guidelines. - Seller-05/04/2026 Open-Lien position 2 per tape data whereas another open mortgage reflecting in credit report with credit limit $[Redacted] with same open date and as is not in released status in Title search. Please provide supporting document to verify current active status. if the 210k lien is not paid and released we are in 3rd - Due Diligence Vendor-04/27/2026 |
Ready for Review-Acknowledged. CLTV is still within the policy guidelines. - Seller-05/04/2026 | Acknowledged-Lender acknowledged and is within cltv guidelines - Due Diligence Vendor-05/05/2026 | [Redacted] | WV | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | 8901471 | |||||||
| XXXXXX-1674 | C | B | C | B | C | A | A | A | Closed | 1000761-1002268 | 2026-04-20 22:19 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (CCPA) (2015) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/21/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). This loan has an installment amount of ($345.96). The [Redacted] Consumer Credit and Protection Act limits the late fee to 5% of the late installment or $30, whichever is less. ([Redacted] Code 46A-3-113) Late charge entries validated from Note Document - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | WV | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8782894 | ||||||||
| XXXXXX-1675 | C | A | A | A | C | A | A | A | Closed | 940-260 | 2026-04-22 04:12 | 2026-04-23 15:15 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open-You submitted a ($29.00) Late Fee Amount, and a (0.0%) Late Fee Percent. (0.0%) of the unpaid installment is ($11.82). Under the [Redacted] UCCC, the late fee may not exceed 5% on the unpaid amount of the installment. (Colo. Rev. Stat. 5-2-203) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8813144 | ||||||||
| XXXXXX-1676 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1677 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-04-22 01:07 | 2026-04-23 15:15 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8810247 | ||||||||
| XXXXXX-1678 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-04-20 23:53 | 2026-05-05 08:19 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received release - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. See attached file for details - Seller-05/04/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. See attached file for details - Seller-05/04/2026 | Resolved-Received release - Due Diligence Vendor-05/05/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8783559 | ||||||
| XXXXXX-1679 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1680 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1681 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2026-04-23 03:07 | 2026-04-29 12:42 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-lien position verified and proof that this is a second now present. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. Currently there is only one active lien $[Redacted]; see attached file for details - Seller-04/28/2026 Open-Provided CL transaction report reflects lien 1 of $[Redacted] and lien 2 of $[Redacted]. As 3 liens are not acceptable as per guidelines provide lien release document. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. Currently there is only one active lien $44k; see attached file for details - Seller-04/28/2026 |
Resolved-lien position verified and proof that this is a second now present. - Due Diligence Vendor-04/29/2026 | [Redacted] | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8834339 | ||||||
| XXXXXX-1682 | C | A | A | A | C | A | A | A | Closed | 16480-22180 | 2026-04-20 02:57 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Max Late Charge (CLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/20/2026 Open-The [Redacted] Consumer Loan Act prohibits a late fee in excess of the 5% of the past due amount or $10, whichever is greater. ([Redacted] Rev. Stat. 286.4-533) Late charge entries validated from Note Document - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8758022 | ||||||||
| XXXXXX-1683 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1684 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1685 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1686 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2026-04-21 23:24 | 2026-04-30 08:14 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-proof subject in 2nd position now present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. There's only one active lien, see attached file for details - Seller-04/29/2026 Open-Lien position 2 per tape data whereas additional 2 mortgages reflecting in Title search which are not released. Please provide supporting documents to validate active status of open mortgages. Maximum allowed lien position is 2 as per Guidelines. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. There's only one active lien, see attached file for details - Seller-04/29/2026 |
Resolved-proof subject in 2nd position now present - Due Diligence Vendor-04/30/2026 | [Redacted] | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8809243 | ||||||
| XXXXXX-1687 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1688 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-04-22 05:18 | 2026-05-05 08:20 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Release received - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. See attached file for details - Seller-05/04/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. See attached file for details - Seller-05/04/2026 | Resolved-Release received - Due Diligence Vendor-05/05/2026 | [Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8813867 | ||||||
| XXXXXX-1689 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1690 | C | A | C | A | C | A | A | A | Closed | FCRE9592 | 2026-04-23 01:01 | 2026-04-30 08:32 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-Lien position is 2nd proven to be second. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. There's only one active lien, see attached file for details - Seller-04/29/2026 Open-Provided CL transaction report reflects lien 1 of $[Redacted] and lien 2 of $[Redacted]. As 3 liens are not acceptable as per guidelines provide lien release document. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. There's only one active lien, see attached file for details - Seller-04/29/2026 |
Resolved-Lien position is 2nd proven to be second. - Due Diligence Vendor-04/30/2026 | [Redacted] | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8833528 | ||||||
| XXXXXX-1690 | C | A | C | A | C | A | A | A | Closed | 1090-400 | 2026-04-22 03:35 | 2026-04-23 15:17 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8812783 | ||||||||
| XXXXXX-1691 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-04-22 04:40 | 2026-04-23 15:18 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8813450 | ||||||||
| XXXXXX-1692 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1693 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-04-22 03:16 | 2026-04-23 15:20 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8811157 | ||||||||
| XXXXXX-1694 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-04-20 22:17 | 2026-04-22 19:08 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/22/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) Late charge entries correct - Verified from Note document. - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8782873 | ||||||||
| XXXXXX-1695 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1696 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1697 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1698 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1699 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1700 | C | A | A | A | C | A | A | A | Closed | 8660-13480 | 2026-04-21 02:21 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/21/2026 Open-[Redacted]'s Late Charge Provisions prohibit a late fee exceeding 5% of the delinquent installment.([Redacted] Rev. Stat. Sec. 86.165) Late charge entries validated from Note Document - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8784867 | ||||||||
| XXXXXX-1701 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1702 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1703 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-04-22 06:53 | 2026-04-30 08:33 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-proof lien released now present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. $[Redacted] has been released, see the attached file for details - Seller-04/29/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. $[Redacted] has been released, see the attached file for details - Seller-04/29/2026 |
Resolved-proof lien released now present - Due Diligence Vendor-04/30/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8815718 | ||||||
| XXXXXX-1704 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1705 | C | A | A | A | C | A | A | A | Closed | 1001469-1004142 | 2026-04-22 00:25 | 2026-04-23 15:07 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | KS | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8809830 | ||||||||
| XXXXXX-1706 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1707 | C | A | A | A | C | A | A | A | Closed | 1001393-1003833 | 2026-04-22 07:40 | 2026-04-23 15:08 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan has a late fee amount of ($29.00) which exceeds the $20 limit. For loan amounts of $50,000 or less, the North Dakota Residential Mortgage Lenders Act does not allow a licensee to contract for or receive late payment charges in excess of $20 for each nonpayment or late payment. ([Redacted] Cent. Code 13-12-16(2)) Late charge entries validated from Note Document - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | ND | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8816778 | ||||||||
| XXXXXX-1708 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2026-04-21 01:13 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/21/2026 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) Late charge entries validated from Note Document - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8784216 | ||||||||
| XXXXXX-1709 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1710 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-04-22 04:04 | 2026-04-23 15:25 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/23/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8813097 | ||||||||
| XXXXXX-1711 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1712 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1713 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2026-04-20 23:03 | 2026-04-29 12:22 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-proof that this is a second lien is now present. TPR updated the lien position. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. There's an active lien, see the attached file for details - Seller-04/28/2026 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ( [Redacted]. Title search provided does not reflect any open liens. Please confirm lien position as 1st or provide updated search to reflect subject is in fact a second lien. - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. There's an active lien, see the attached file for details - Seller-04/28/2026 |
Resolved-proof that this is a second lien is now present. TPR updated the lien position. - Due Diligence Vendor-04/29/2026 | [Redacted] | [Redacted] | NH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8783245 | ||||||
| XXXXXX-1714 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1715 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1716 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1717 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1718 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1719 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1720 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1721 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1722 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-04-22 06:40 | 2026-04-23 15:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/22/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8815478 | ||||||||
| XXXXXX-1722 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-04-22 06:40 | 2026-04-23 15:26 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace period entries validated from Note Document - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8815479 | ||||||||
| XXXXXX-1723 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2026-04-22 01:13 | 2026-04-23 15:27 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 Open- - Due Diligence Vendor-04/22/2026 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) Late charge entries validated from Note Document - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/23/2026 |
[Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8810296 | ||||||||
| XXXXXX-1724 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1725 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1726 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1727 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-04-20 03:52 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/20/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late Fee entries verified from Note document. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8762254 | ||||||||
| XXXXXX-1727 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-04-20 03:52 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late payments entries verified from Note document. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8762255 | ||||||||
| XXXXXX-1728 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1729 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1730 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1731 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1732 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1733 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1734 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1735 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1736 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1737 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-04-22 04:52 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8813589 | ||||||||
| XXXXXX-1738 | C | A | A | A | C | A | A | A | Closed | 1001469-1004142 | 2026-04-20 01:22 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/20/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) Late charge entries validated from Note Document - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8757548 | ||||||||
| XXXXXX-1739 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1740 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-04-20 03:19 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/21/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8758163 | ||||||||
| XXXXXX-1740 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-04-20 03:19 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8758164 | ||||||||
| XXXXXX-1741 | C | A | A | A | C | A | A | A | Closed | 30270-1004233 | 2026-04-21 23:39 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.53%). To determine the "loan yield" the system used the greater of the loan's (14.99%) APR, (14.99%) Note Rate, or (14.99%) Fully Indexed Rate. The threshold was calculated using the (6.53%) comparable APOR based on the date the interest rate was set plus four points. ([Redacted] Stat. 47.20, Subd. 4a). Interest Rate 14.99% verified from Note document - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8809362 | ||||||||
| XXXXXX-1741 | C | A | A | A | C | A | A | A | Closed | 30270-1004121 | 2026-04-21 23:39 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.61%) published monthly by the [Redacted] Commerce Department. To determine the "loan yield" the system used the greater of the loan's (14.99%) APR, (14.99%) Note Rate, or (14.99%) Fully Indexed Rate. ([Redacted] Stat. 47.20, Subd. 4a; www.mn.gov/commerce/money/industry/interest-rates/) Interest Rate 14.99% verified from Note document - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8809363 | ||||||||
| XXXXXX-1742 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-04-20 04:10 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/21/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8762469 | ||||||||
| XXXXXX-1743 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1744 | C | A | A | A | C | A | A | A | Closed | 1001469-1004142 | 2026-04-20 07:40 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/20/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) Late charge entries validated from Note Document - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8766311 | ||||||||
| XXXXXX-1745 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1746 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1747 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1748 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-04-23 01:05 | 2026-04-30 08:50 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-proof released now present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. $[Redacted] has been released, see the attached file for details - Seller-04/29/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. $[Redacted] has been released, see the attached file for details - Seller-04/29/2026 |
Resolved-proof released now present - Due Diligence Vendor-04/30/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8833596 | ||||||
| XXXXXX-1749 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1750 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-04-23 03:54 | 2026-04-30 08:58 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-lien releaae now present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. $[Redacted] has been released, see the attached file for details - Seller-04/29/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation amounting to $[Redacted]. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. $[Redacted] has been released, see the attached file for details - Seller-04/29/2026 |
Resolved-lien releaae now present - Due Diligence Vendor-04/30/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8836561 | ||||||
| XXXXXX-1751 | C | A | C | A | C | A | A | A | Closed | FCRE9580 | 2026-04-21 02:35 | 2026-04-29 12:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Bankruptcy History does not meet guidelines | Resolved-discharge date present and is over yrs - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. See the attached file for the release date - Seller-04/28/2026 Open-Experian report dated 03/16/2026 shows a bankruptcy filed on 11/13/2019. Reference number 1932087HCD Status 16 and unable to verify release date, Status date 03/06/2020 - Due Diligence Vendor-04/21/2026 |
Ready for Review-Document Uploaded. See the attached file for the release date - Seller-04/28/2026 |
Resolved-discharge date present and is over yrs - Due Diligence Vendor-04/29/2026 | [Redacted] | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8785032 | ||||||
| XXXXXX-1751 | C | A | C | A | C | A | A | A | Closed | 54000-56190 | 2026-04-21 02:32 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/21/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8784997 | ||||||||
| XXXXXX-1752 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1753 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1754 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2026-04-23 08:36 | 2026-04-30 09:19 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-proof of 112k lien on title. - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. See the attached file for updated lien status: - Seller-04/29/2026 Open-Lien position 2 per tape data whereas supporting documents missing to verify the same. No lien indications in Title search and Voluntary report. Per now, considered lien position 2 per conservative approach. Need related documents to verify current active status. - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. See the attached file for updated lien status: - Seller-04/29/2026 |
Resolved-proof of 112k lien on title. - Due Diligence Vendor-04/30/2026 | [Redacted] | [Redacted] | ID | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8841677 | ||||||
| XXXXXX-1755 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1756 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1757 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-04-21 03:40 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8789840 | ||||||||
| XXXXXX-1758 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1759 | C | B | C | B | C | A | A | A | Closed | FCRE6399 | 2026-04-23 05:00 | 2026-05-08 08:20 | Acknowledged | 2 - Non-Material | C | B | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Acknowledged-Acknowledge info that loan is being research and paid off. - Due Diligence Vendor-05/08/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-04/23/2026 |
Acknowledged-Acknowledge info that loan is being research and paid off. - Due Diligence Vendor-05/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | 8837423 | ||||||||
| XXXXXX-1759 | C | B | C | B | C | A | A | A | Closed | 2640-1003357 | 2026-04-22 02:52 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/22/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8810961 | ||||||||
| XXXXXX-1759 | C | B | C | B | C | A | A | A | Closed | 1001200-1003360 | 2026-04-22 02:52 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace period entries validated from Note Document - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8810962 | ||||||||
| XXXXXX-1760 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1761 | C | A | A | A | C | A | A | A | Closed | 1470 | 2026-04-22 04:06 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-The [Redacted] UCCC prohibits a late fee exceeding the greater of 5% or $10. ([Redacted] Stat. 40-14-312) - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | WY | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8813103 | ||||||||
| XXXXXX-1762 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1763 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-04-21 06:29 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-04/21/2026 Open- - Due Diligence Vendor-04/21/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8792151 | ||||||||
| XXXXXX-1764 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1765 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1766 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1767 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1768 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1769 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-04-21 22:50 | 2026-05-05 08:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/05/2026 Resolved-Received proof of title - Due Diligence Vendor-05/05/2026 Ready for Review-Document Uploaded. See attached file for details - Seller-05/04/2026 Open-Title Document is missing Loan amount $[Redacted] which is > [Redacted] - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. See attached file for details - Seller-05/04/2026 | Resolved-Title Document is fully Present - Due Diligence Vendor-05/05/2026 Resolved-Received proof of title - Due Diligence Vendor-05/05/2026 |
[Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8809009 | ||||||
| XXXXXX-1770 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1771 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1772 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1773 | C | B | C | B | A | A | A | A | Closed | FCRE9592 | 2026-04-22 05:58 | 2026-04-29 12:08 | Acknowledged | 2 - Non-Material | C | B | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Acknowledged-lender acknowledges TPR lien position and loan still qualifies - Due Diligence Vendor-04/29/2026 Ready for Review-CLTV is still within the policy guidelines - Seller-04/28/2026 Open-Lender tape considered this a 2nd lien, however we are not seeing any open liens on title. However there is no lien reflecting on CL transaction report and credit report. need confirmation of this as second lien via updated title or provide lien position as 1st - Due Diligence Vendor-04/22/2026 |
Ready for Review-CLTV is still within the policy guidelines - Seller-04/28/2026 | Acknowledged-lender acknowledges TPR lien position and loan still qualifies - Due Diligence Vendor-04/29/2026 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 8814538 | |||||||
| XXXXXX-1773 | C | B | C | B | A | A | A | A | Closed | FCRE4866 | 2026-04-23 04:39 | 2026-04-29 11:57 | Acknowledged | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Acknowledged-lender acknowledges this is a first lien and still qualifies. - Due Diligence Vendor-04/29/2026 Ready for Review-CLTV is still within the policy guidelines. - Seller-04/28/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted]). - Due Diligence Vendor-04/23/2026 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 04/29/2026 Ready for Review-CLTV is still within the policy guidelines. - Seller-04/28/2026 |
Acknowledged-lender acknowledges this is a first lien and still qualifies. - Due Diligence Vendor-04/29/2026 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 8837085 | |||||||
| XXXXXX-1774 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-04-22 02:33 | 2026-04-30 09:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 Resolved-title now present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Seller-04/29/2026 Open-Title Document is missing Loan amount $[Redacted] which is > [Redacted] - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. - Seller-04/29/2026 | Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 Resolved-title now present - Due Diligence Vendor-04/30/2026 |
[Redacted] | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8810834 | ||||||
| XXXXXX-1775 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1776 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1777 | D | B | C | B | C | A | D | A | Closed | FCRE9592 | 2026-04-22 08:22 | 2026-05-05 08:29 | Acknowledged | 2 - Non-Material | C | B | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Acknowledged-Acknowledged TPR calc and is within Guidelines - Due Diligence Vendor-05/05/2026 Ready for Review-Acknowledged. CLTV is still within the policy guidelines. - Seller-05/04/2026 Open-Lender submitted this as lien position 2. However, the search provided reflects there are currently 2 open liens on title, making this a 3rd. need proof the $[Redacted] was released or update this to 3rd lien and 3rd lien does not meet DK guidelines. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Acknowledged. CLTV is still within the policy guidelines. - Seller-05/04/2026 | Acknowledged-Acknowledged TPR calc and is within Guidelines - Due Diligence Vendor-05/05/2026 | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 8817786 | |||||||
| XXXXXX-1777 | D | B | C | B | C | A | D | A | Closed | FVAL1039 | 2026-04-22 03:42 | 2026-04-29 11:53 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-[Redacted] now present and value is supported. - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. See Estimated Value - Seller-04/28/2026 Open-Please provide complete Valuation document as provided value analysis report is invalid. As of now, considered property value from tape data for CLTV calculation. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. See Estimated Value - Seller-04/28/2026 | Resolved-[Redacted] now present and value is supported. - Due Diligence Vendor-04/29/2026 | [Redacted] | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8812862 | ||||||
| XXXXXX-1777 | D | B | C | B | C | A | D | A | Closed | 60540-68760 | 2026-04-22 03:39 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Predatory:LateFees | [Redacted] - Maximum Late Fee (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/22/2026 Open-The [Redacted] Home Loan Protection Act prohibits the late fee from exceeding 5% of the overdue payment in a "home loan." ([Redacted] Stat. Ann. 58-21A-4(K)(1)) Late charge entries validated from Note Document - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8812839 | ||||||||
| XXXXXX-1778 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1779 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1780 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NE | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1781 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1782 | C | A | A | A | C | A | A | A | Closed | 1290-600 | 2026-04-20 03:02 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/20/2026 Open-Under the [Redacted] Interest and Usury Provisions, the late fee may not exceed 5% of the installment. (Va. Code 6.2-400(B)) Late charge entries validated from Note Document - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8758049 | ||||||||
| XXXXXX-1783 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-04-22 06:24 | 2026-04-30 09:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 Resolved-title now present - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. - Seller-04/29/2026 Open-Title Document is missing Please provide Title Report as it is missing in File and loan amount is >[Redacted] which is $105764.16 - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. - Seller-04/29/2026 | Resolved-Title Document is fully Present - Due Diligence Vendor-04/30/2026 Resolved-title now present - Due Diligence Vendor-04/30/2026 |
[Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 8815211 | ||||||
| XXXXXX-1784 | C | A | C | A | A | A | A | A | Closed | FCRE9806 | 2026-04-20 08:40 | 2026-04-29 11:39 | Resolved | 1 - Information | C | A | Credit | Eligibility | Other Credit Finding | Resolved-taxes now present - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. First lien has been released, see the attached file for details - Seller-04/28/2026 Open-2 active mortgages reflecting in Title search whereas current lien position 2 per Tape data and lien 3 not allowed per Guidelines. Lien 1 with $[Redacted] dated 05/11/2005 Lien 2 Heloc $[Redacted] dated 04/19/2005 Please confirm if both fall under same Transaction. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. First lien has been released, see the attached file for details - Seller-04/28/2026 |
Resolved-taxes now present - Due Diligence Vendor-04/29/2026 | [Redacted] | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8768157 | ||||||
| XXXXXX-1785 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1786 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1787 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1788 | D | A | D | A | C | A | A | A | Closed | FCRE1152 | 2026-04-22 05:25 | 2026-04-29 07:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/29/2026 Resolved-taxes now present - Due Diligence Vendor-04/29/2026 Ready for Review-Document Uploaded. See Property Tax for details - Seller-04/28/2026 Open-Missing Evidence of Property Tax Please provide supporting documentation to verify tax amount as unable to verify the same from property Report & Voluntary document. - Due Diligence Vendor-04/22/2026 |
Ready for Review-Document Uploaded. See Property Tax for details - Seller-04/28/2026 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-04/29/2026 Resolved-taxes now present - Due Diligence Vendor-04/29/2026 |
[Redacted] | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8813967 | ||||||
| XXXXXX-1788 | D | A | D | A | C | A | A | A | Closed | 60540-68760 | 2026-04-22 05:50 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Predatory:LateFees | [Redacted] - Maximum Late Fee (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/22/2026 Open-The [Redacted] Home Loan Protection Act prohibits the late fee from exceeding 5% of the overdue payment in a "home loan." ([Redacted] Stat. Ann. 58-21A-4(K)(1)) Late charge entries validated from Note Document - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8814378 | ||||||||
| XXXXXX-1789 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1790 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1791 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-04-22 03:13 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/22/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late Payment entries verified from Note document. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8811129 | ||||||||
| XXXXXX-1791 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-04-22 03:13 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/22/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late Fee entries verified from Note document. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8811128 | ||||||||
| XXXXXX-1792 | C | A | A | A | C | A | A | A | Closed | 1270-56390 | 2026-04-20 06:07 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/20/2026 Open-The [Redacted] Industrial Loan and Thrift Companies Act limits the late fee to the greater of 5% or ($15.00). (T.C.A. 45-5-301(3); 45-5-403) Late Fee entries verified from Note document. - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8764207 | ||||||||
| XXXXXX-1793 | A | A | A | A | A | A | A | A | A | A | [Redacted] | ID | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1794 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-04-20 06:39 | 2026-04-30 09:31 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-other lien now released - Due Diligence Vendor-04/30/2026 Ready for Review-Document Uploaded. $[Redacted] has been released, see the attached file for details - Seller-04/29/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. $[Redacted] has been released, see the attached file for details - Seller-04/29/2026 |
Resolved-other lien now released - Due Diligence Vendor-04/30/2026 | [Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 8764632 | ||||||
| XXXXXX-1795 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-04-22 06:29 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/22/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries correct - Verified from Note document. - Due Diligence Vendor-04/22/2026 Open- - Due Diligence Vendor-04/22/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8815291 | ||||||||
| XXXXXX-1796 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-04-20 04:11 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/20/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace Period entries validated from Note Document - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8762486 | ||||||||
| XXXXXX-1796 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-04-20 04:11 | 2026-04-27 12:26 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 Open- - Due Diligence Vendor-04/20/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-04/20/2026 Open- - Due Diligence Vendor-04/20/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-04/27/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8762485 | ||||||||
| XXXXXX-249 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-250 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-251 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-05-11 00:11 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9121777 | ||||||||
| XXXXXX-252 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-253 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-254 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-05-10 22:29 | 2026-05-20 12:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-Title Document is missing Loan amount is >[Redacted] Final Title policy is missing in the file . - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Title Document is fully Present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9120873 | ||||||
| XXXXXX-255 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-256 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-257 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-05-07 00:59 | 2026-05-20 15:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Photo ID is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-No Photo ID in File Photo ID is missing for borrower. (Provided SSN validation report reflects status as FAIL.) - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Photo ID is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9076845 | ||||||
| XXXXXX-258 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-259 | C | A | A | A | C | A | A | A | Closed | 1230-540 | 2026-05-11 00:45 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Consumer Finance) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under [Redacted]'s Consumer Finance Act, the late fee may not exceed the lesser of 5% of the unpaid installment or $5. ([Redacted] Rev. Stat. Sec. 725.340(2)(a)) - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9122028 | ||||||||
| XXXXXX-260 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-261 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-05-10 22:50 | 2026-05-20 15:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Photo is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-No Photo ID in File Photo ID is missing for borrower. (Provided SSN validation report reflects status as FAIL.) - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Photo is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9121282 | ||||||
| XXXXXX-262 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-263 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-264 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-265 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-266 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-05-07 04:51 | 2026-05-20 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-No Photo ID in File Photo ID is missing for borrower. (Provided SSN validation report reflects status as FAIL.) - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9080194 | ||||||
| XXXXXX-267 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-05-11 03:02 | 2026-05-20 12:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title policy is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-Title Document is missing Final Title Policy missing in the file Loan amount > [Redacted] - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Title policy is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9122864 | ||||||
| XXXXXX-267 | D | A | D | A | A | A | A | A | Closed | FCRE4866 | 2026-05-11 04:05 | 2026-05-12 07:06 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-05/12/2026 Open-TPR calculated CLTV is [Redacted] % and does not match the Originator CLTV of [Redacted]%. ([Redacted]- Due Diligence Vendor-05/11/2026 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance - 05/12/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-05/12/2026 | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9124279 | |||||||
| XXXXXX-268 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-269 | C | A | A | A | C | A | A | A | Closed | 54350-56990 | 2026-05-07 06:21 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Charge (FCCLP) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Under the [Redacted] Financial Corporations Conventional Loan Provisions, the late charge may not exceed the greater of 5% of the delinquent payment or ($9.88). ([Redacted] Stat. 47.20, Subd. 6b; 47.59, Subd. 6(a)(4)) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9081593 | ||||||||
| XXXXXX-270 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-05-06 23:15 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/07/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9075969 | ||||||||
| XXXXXX-270 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-05-06 23:15 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/07/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9075970 | ||||||||
| XXXXXX-271 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-272 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-273 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-274 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-05-08 01:03 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9098542 | ||||||||
| XXXXXX-275 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-276 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-277 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2026-05-07 21:50 | 2026-05-08 10:07 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-05/08/2026 Open-TPR calculated CLTV is [Redacted] % and does not match the Originator CLTV of [Redacted]%. ([Redacted]- Due Diligence Vendor-05/08/2026 |
Subtenant comment: We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 05/08/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-05/08/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9097325 | |||||||
| XXXXXX-278 | C | A | A | A | C | A | A | A | Closed | 1140-450 | 2026-05-10 23:59 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9121691 | ||||||||
| XXXXXX-279 | D | A | D | A | A | A | A | A | Closed | 123ABJ | 2026-05-12 00:07 | 2026-05-20 13:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Plaid provided is the third party validation required - Due Diligence Vendor-05/20/2026 Ready for Review-Employed was auto verified and cleared via plaid - Seller-05/19/2026 Open-VVOE is missing for both borrowers with credit limits exceeding [Redacted] - Due Diligence Vendor-05/12/2026 |
Ready for Review-Employed was auto verified and cleared via plaid - Seller-05/19/2026 | Resolved-Plaid provided is the third party validation required - Due Diligence Vendor-05/20/2026 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9145177 | |||||||
| XXXXXX-280 | D | A | D | A | C | A | A | A | Closed | FCRE6020 | 2026-05-06 23:49 | 2026-05-20 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-No Photo ID in File Provided SSN Completion report shows result as Failure. - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9076228 | ||||||
| XXXXXX-280 | D | A | D | A | C | A | A | A | Closed | 17920-23650 | 2026-05-07 00:02 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/07/2026 Open-The (15.24%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.97%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9076317 | ||||||||
| XXXXXX-281 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-282 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-283 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-284 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-285 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-286 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-287 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-288 | C | A | A | A | C | A | A | A | Closed | 8660-13480 | 2026-05-07 03:08 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-[Redacted]'s Late Charge Provisions prohibit a late fee exceeding 5% of the delinquent installment.([Redacted] Rev. Stat. Sec. 86.165) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9077748 | ||||||||
| XXXXXX-289 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2026-05-06 22:44 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-The (15.24%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.92%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9075821 | ||||||||
| XXXXXX-290 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-291 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-292 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-293 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-05-08 02:45 | 2026-05-11 10:16 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9099195 | ||||||||
| XXXXXX-293 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-05-08 02:45 | 2026-05-11 10:16 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/11/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9099196 | ||||||||
| XXXXXX-294 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-295 | A | A | A | A | A | A | A | A | A | A | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-296 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-05-07 03:26 | 2026-05-20 11:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Proof HOA is not required loan is in second lien position. - Due Diligence Vendor-05/20/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. HOI not required, lien position is 2nd - Seller-05/19/2026 Open-Missing Hazard Insurance Policy first lien and Loan amount greater than 100k - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. HOI not required, lien position is 2nd - Seller-05/19/2026 | Resolved-Proof HOA is not required loan is in second lien position. - Due Diligence Vendor-05/20/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/20/2026 |
[Redacted] | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9077919 | ||||||
| XXXXXX-296 | D | A | D | A | A | A | A | A | Closed | FCRE4866 | 2026-05-07 03:25 | 2026-05-08 10:12 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-05/08/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted] - Due Diligence Vendor-05/07/2026 |
Subtenant comment: We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 05/08/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-05/08/2026 | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9077909 | |||||||
| XXXXXX-297 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-298 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-05-08 06:09 | 2026-05-20 12:20 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Release of lien is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation of $[Redacted] - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Release of lien is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9102934 | ||||||
| XXXXXX-299 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-300 | D | B | D | B | A | A | A | A | Closed | FCRE6020 | 2026-05-07 06:31 | 2026-05-20 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-No Photo ID in File Photo ID is missing for B1 - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9081794 | ||||||
| XXXXXX-300 | D | B | D | B | A | A | A | A | Closed | FCRE4866 | 2026-05-08 03:57 | 2026-05-20 10:38 | Acknowledged | 2 - Non-Material | A | B | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Acknowledged- - Due Diligence Vendor-05/20/2026 Ready for Review-Acknowledged. CLTV is still within the policy guidelines - Seller-05/19/2026 Open-TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted]). - Due Diligence Vendor-05/08/2026 |
Ready for Review-Acknowledged. CLTV is still within the policy guidelines - Seller-05/19/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | Yes | 9101700 | ||||||||
| XXXXXX-301 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-302 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-303 | D | A | D | A | A | A | A | A | Closed | FCRE6399 | 2026-05-11 05:45 | 2026-05-20 12:23 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved- - Due Diligence Vendor-05/20/2026 Ready for Review-Release of lien is now present. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation for $[Redacted] balence - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved- - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9125216 | ||||||
| XXXXXX-303 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-05-12 00:42 | 2026-05-20 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-No Photo ID in File Photo ID is missing for B1 IDOLOGY_SSN fail. - Due Diligence Vendor-05/12/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9145461 | ||||||
| XXXXXX-304 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-305 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-306 | C | A | A | A | C | A | A | A | Closed | 8660-13480 | 2026-05-07 04:20 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/08/2026 Open-[Redacted]'s Late Charge Provisions prohibit a late fee exceeding 5% of the delinquent installment.([Redacted] Rev. Stat. Sec. 86.165) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9079482 | ||||||||
| XXXXXX-307 | B | A | B | A | A | A | A | A | Closed | FCRE2021 | 2026-05-08 04:01 | 2026-05-20 12:32 | Resolved | 1 - Information | B | A | Credit | Debt | Verified DTI varies from Qualifying DTI by greater than 5% | Resolved-lender calc provided - Due Diligence Vendor-05/20/2026 Ready for Review-The tape shows POSTLINE_DTI = 31.41% and POSTLINE_DTI_DERIVED_INCOME = 34.82%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted] Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-05/18/2026 Open-TPR Calculated DTI is 41.15%. ([Redacted]Income {INSERT EITHER DERIVED OR POST LINE HERE} = 34.82% DTI (Provided income document not support to qualifying income) - Due Diligence Vendor-05/08/2026 |
Ready for Review-The tape shows POSTLINE_DTI = 31.41% and POSTLINE_DTI_DERIVED_INCOME = 34.82%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted]Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME = [Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME =[Redacted]- Seller-05/18/2026 | Resolved-lender calc provided - Due Diligence Vendor-05/20/2026 | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9101729 | |||||||
| XXXXXX-308 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-309 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-310 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-311 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-312 | C | A | A | A | C | A | A | A | Closed | 8610-13390 | 2026-05-07 07:00 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/08/2026 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9082218 | ||||||||
| XXXXXX-312 | C | A | A | A | C | A | A | A | Closed | 63420-76210 | 2026-05-07 07:00 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/08/2026 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($365.01), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9082219 | ||||||||
| XXXXXX-313 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-314 | D | B | D | B | A | A | A | A | Closed | FCRE1157 | 2026-05-11 03:04 | 2026-06-04 12:51 | Acknowledged | 2 - Non-Material | D | B | Credit | Missing Doc | Hazard Insurance Policy is Missing | Acknowledged-original submission came in as a first and no other liens, proof received post close that subject is actually in second and no insurance is required. CLTV meets guidelines, acknowledge as a 2 - Due Diligence Vendor-06/04/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. HOI not required, lien position is 2nd - Seller-05/19/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. HOI not required, lien position is 2nd - Seller-05/19/2026 |
Acknowledged-original submission came in as a first and no other liens, proof received post close that subject is actually in second and no insurance is required. CLTV meets guidelines, acknowledge as a 2 - Due Diligence Vendor-06/04/2026 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/20/2026 |
[Redacted] | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | No | 9122892 | ||||||
| XXXXXX-315 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-316 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-317 | D | A | D | A | C | A | A | A | Closed | FCRE6020 | 2026-05-07 01:27 | 2026-05-20 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-No Photo ID in File Photo ID is missing for B1 IDOLOGY_SSN is fail. - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9077107 | ||||||
| XXXXXX-317 | D | A | D | A | C | A | A | A | Closed | 54350-56990 | 2026-05-07 01:29 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Charge (FCCLP) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Under the [Redacted] Financial Corporations Conventional Loan Provisions, the late charge may not exceed the greater of 5% of the delinquent payment or ($9.88). ([Redacted] Stat. 47.20, Subd. 6b; 47.59, Subd. 6(a)(4)) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9077122 | ||||||||
| XXXXXX-318 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-319 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-320 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-321 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-322 | C | A | A | A | C | A | A | A | Closed | 56820-60920 | 2026-05-07 06:11 | 2026-05-08 10:46 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (MLILCPA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 Open-Under the [Redacted] Mortgage Licensing Act, a late fee cannot exceed the greater of 10% of the payment or $20.00. (7[Redacted]Stat. 6125) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9081379 | ||||||||
| XXXXXX-323 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-05-08 04:38 | 2026-05-20 12:24 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Release of lien is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation for $55,000 - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Release of lien is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9102020 | ||||||
| XXXXXX-324 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2026-05-08 04:50 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/08/2026 Open-The (15.24%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.87%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9102149 | ||||||||
| XXXXXX-325 | C | B | C | B | A | A | A | A | Closed | FCRE9592 | 2026-05-11 01:11 | 2026-05-20 13:12 | Acknowledged | 2 - Non-Material | C | B | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Acknowledged-Lender agreed that lien position is 2. - Due Diligence Vendor-05/20/2026 Ready for Review-The first mortgage amount was included during the CLTV calculation. CLTV is still within the policy guidelines. - Seller-05/19/2026 Open-Lien position changed to 2 due to first mortgage lien amount $[Redacted] reflecting in CL Transaction report and credit report hence current HELOC lien position changed to 2 - Due Diligence Vendor-05/11/2026 |
Ready for Review-The first mortgage amount was included during the CLTV calculation. CLTV is still within the policy guidelines. - Seller-05/19/2026 | Acknowledged-Lender agreed that lien position is 2. - Due Diligence Vendor-05/20/2026 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 9122251 | |||||||
| XXXXXX-326 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-327 | D | A | D | A | C | A | A | A | Closed | FCRE6020 | 2026-05-07 06:37 | 2026-05-20 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-No Photo ID in File Photo ID is missing for B1, the available SSN document reflecting as Fail. - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9081905 | ||||||
| XXXXXX-327 | D | A | D | A | C | A | A | A | Closed | 8610-13390 | 2026-05-07 23:04 | 2026-05-08 10:47 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/08/2026 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9097613 | ||||||||
| XXXXXX-328 | C | A | A | A | C | A | A | A | Closed | 1001469-1004142 | 2026-05-08 05:27 | 2026-05-12 08:36 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/11/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9102485 | ||||||||
| XXXXXX-329 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-330 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-331 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-05-10 23:05 | 2026-05-12 08:37 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9121342 | ||||||||
| XXXXXX-332 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-333 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-334 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-335 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-05-07 01:05 | 2026-05-20 10:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax document is now present - Due Diligence Vendor-05/20/2026 Open-Missing Evidence of Property Tax - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. Tax Exempted, see the official tax document in County - Seller-05/19/2026 Open-Missing Evidence of Property Tax The available CL property report is not reflecting tax amount. - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. Tax Exempted, see the official tax document in County - Seller-05/19/2026 | Resolved-Tax document is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9076919 | ||||||
| XXXXXX-336 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-337 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-338 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-05-08 03:10 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/08/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9099321 | ||||||||
| XXXXXX-338 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-05-08 03:10 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/08/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9099322 | ||||||||
| XXXXXX-339 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-340 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-341 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-05-07 03:41 | 2026-05-20 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-No Photo ID in File Photo ID is missing for B1 IDOLOGY_SSN fail. - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9078049 | ||||||
| XXXXXX-342 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-343 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-05-07 00:30 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9076554 | ||||||||
| XXXXXX-344 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-345 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-346 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-347 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-348 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-349 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-350 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-351 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-05-08 06:38 | 2026-05-20 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-No Photo ID in File Photo ID is missing for B1 - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9103286 | ||||||
| XXXXXX-352 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-353 | A | A | A | A | A | A | A | A | A | A | [Redacted] | ND | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-354 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2026-05-11 03:03 | 2026-05-12 08:41 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-The (14.99%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.63%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/11/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9122878 | ||||||||
| XXXXXX-355 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-356 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-357 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-358 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-359 | D | A | D | A | C | A | A | A | Closed | 2640-1003357 | 2026-05-11 06:53 | 2026-05-12 08:48 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9126159 | ||||||||
| XXXXXX-359 | D | A | D | A | C | A | A | A | Closed | 1001200-1003360 | 2026-05-11 06:53 | 2026-05-12 08:48 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/12/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/11/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9126160 | ||||||||
| XXXXXX-359 | D | A | D | A | C | A | A | A | Closed | 123ABJ | 2026-05-12 00:12 | 2026-05-12 08:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Plaid in file is 3rd party WVOE - Due Diligence Vendor-05/12/2026 Open-VVOE is missing in file for B2 as loan amount is greater than $[Redacted]. - Due Diligence Vendor-05/12/2026 |
Resolved-Plaid in file is 3rd party WVOE - Due Diligence Vendor-05/12/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9145208 | ||||||||
| XXXXXX-360 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-361 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-05-07 00:37 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/07/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9076630 | ||||||||
| XXXXXX-362 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-363 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-364 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-05-08 04:12 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/11/2026 Open- - Due Diligence Vendor-05/08/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-05/08/2026 Open- - Due Diligence Vendor-05/08/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9101818 | ||||||||
| XXXXXX-365 | D | D | A | A | A | A | D | D | Closed | FPRO7549 | 2026-05-22 14:13 | 2026-07-22 09:33 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-BPO value of $[Redacted] did not support value. - Due Diligence Vendor-07/22/2026 Open-Pending post-close BPO. - Due Diligence Vendor-05/22/2026 |
Acknowledged-BPO value of $[Redacted] did not support value. - Due Diligence Vendor-07/22/2026 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 9356878 | ||||||||
| XXXXXX-366 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-367 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-05-07 03:33 | 2026-05-12 13:21 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 Open- - Due Diligence Vendor-05/07/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-05/07/2026 Open- - Due Diligence Vendor-05/07/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-05/12/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9077978 | ||||||||
| XXXXXX-368 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-369 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-370 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-371 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-05-11 06:41 | 2026-05-20 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. - Seller-05/19/2026 Open-No Photo ID in File Provided SSN Completion reports shows result as fail for B1 or B2 - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. - Seller-05/19/2026 | Resolved-Verification of ID is now present - Due Diligence Vendor-05/20/2026 | [Redacted] | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9126009 | ||||||
| XXXXXX-372 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1797 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-05-28 23:04 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-05/29/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9441360 | ||||||||
| XXXXXX-1798 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1799 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1800 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1801 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1802 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1803 | C | A | C | A | A | A | A | A | Closed | FCRE4866 | 2026-06-01 21:46 | 2026-06-19 08:55 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-Updated first balance and now cltv matches - Due Diligence Vendor-06/19/2026 Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE =[Redacted] - Seller-06/18/2026 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted] - Due Diligence Vendor-06/02/2026 |
Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE =[Redacted]- Seller-06/18/2026 | Resolved-Updated first balance and now cltv matches - Due Diligence Vendor-06/19/2026 | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9492361 | |||||||
| XXXXXX-1803 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2026-06-01 21:51 | 2026-06-18 19:53 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-Evidence of lien release received - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. "See [Redacted]_[Redacted].pdf Lien of [Redacted] released" - Seller-06/18/2026 Open-TPR found new HELOC to be in 3rd Position. There was another mortgage on credit for $[Redacted] dated [Redacted] that was also found on title. Please provide supporting documentation to verify that the existing second lien is paid off. Per now, considered current lien position 2 with first lien $[Redacted]. - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. "See [Redacted]_[Redacted].pdf Lien of [Redacted] released" - Seller-06/18/2026 |
Resolved-Evidence of lien release received - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9492379 | ||||||
| XXXXXX-1804 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1805 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1806 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-05-29 03:22 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9443791 | ||||||||
| XXXXXX-1807 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2026-06-01 00:22 | 2026-06-08 08:57 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-The (15.24%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (4.15%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9470798 | ||||||||
| XXXXXX-1808 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1809 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1810 | C | A | C | A | A | A | A | A | Closed | FCRE4989 | 2026-06-01 00:42 | 2026-07-21 16:47 | Resolved | 1 - Information | C | A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Judgment appeared on report not the subject borrower. - Due Diligence Vendor-07/21/2026 Open-There is open judgement of $[Redacted] recorded on [Redacted] with case number [Redacted] present in file. - Due Diligence Vendor-06/01/2026 Ready for Review-Acknowledged - Seller-07/01/2026 Counter-this does not belong to our borrower or our property. wrong borrower/property - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. No open judgment, see attached file for details - Seller-06/22/2026 |
Ready for Review-Acknowledged - Seller-07/01/2026 Ready for Review-Document Uploaded. No open judgment, see attached file for details - Seller-06/22/2026 |
Resolved-Judgment appeared on report not the subject borrower. - Due Diligence Vendor-07/21/2026 | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9470997 | |||||||
| XXXXXX-1811 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1812 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1813 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-05-29 04:50 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9446366 | ||||||||
| XXXXXX-1814 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1815 | C | A | A | A | C | A | A | A | Closed | 8610-13390 | 2026-05-29 01:20 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-05/29/2026 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9442935 | ||||||||
| XXXXXX-1815 | C | A | A | A | C | A | A | A | Closed | 63420-76210 | 2026-05-29 07:01 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($213.70), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9448605 | ||||||||
| XXXXXX-1816 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1817 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-06-01 04:32 | 2026-06-18 19:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Received photo ID - Due Diligence Vendor-06/19/2026 Open-No Photo ID in File Photo ID is missing for borrower. (Provided SSN validation report reflects status as FAIL.) - Due Diligence Vendor-06/01/2026 |
Resolved-Received photo ID - Due Diligence Vendor-06/19/2026 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9475206 | ||||||||
| XXXXXX-1817 | D | A | D | A | A | A | A | A | Closed | FCRE6399 | 2026-06-01 04:13 | 2026-06-18 19:27 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation of $[Redacted]. however lender name shell point it is not matching with provided lien release document - Due Diligence Vendor-06/01/2026 |
Resolved-Received satisfaction of mortgage - Due Diligence Vendor-06/19/2026 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9474978 | ||||||||
| XXXXXX-1818 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1819 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2026-05-28 23:27 | 2026-06-23 07:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Proof received lien position is 2. No Hazard required. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. HOI not applicable since lien position = 2, see attached file for details - Seller-06/22/2026 Open-Missing Hazard Insurance Policy, Lien Position is 1 and loan amount is >[Redacted] which is $[Redacted]. - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. HOI not applicable since lien position = 2, see attached file for details - Seller-06/22/2026 |
Resolved-Proof received lien position is 2. No Hazard required. - Due Diligence Vendor-06/23/2026 | [Redacted] | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9441528 | ||||||
| XXXXXX-1819 | D | A | D | A | A | A | A | A | Closed | FCRE4866 | 2026-05-28 23:30 | 2026-06-23 07:59 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-Changed lienposition to 2 and included senior lien. Now CLTV is within tolerance. - Due Diligence Vendor-06/23/2026 Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE =[Redacted] - Seller-06/18/2026 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]- Due Diligence Vendor-05/29/2026 |
Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE = [Redacted] - Seller-06/18/2026 | Resolved-Changed lienposition to 2 and included senior lien. Now CLTV is within tolerance. - Due Diligence Vendor-06/23/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9441555 | |||||||
| XXXXXX-1820 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1821 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1822 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1823 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-06-01 05:24 | 2026-06-18 19:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Received ID jason - Due Diligence Vendor-06/19/2026 Open-No Photo ID in File Photo ID is missing for borrower. (Provided SSN validation report reflects status as FAIL.) - Due Diligence Vendor-06/01/2026 |
Resolved-Received ID jason - Due Diligence Vendor-06/19/2026 | [Redacted] | ID | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9475899 | ||||||||
| XXXXXX-1824 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1825 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1826 | C | B | C | B | A | A | A | A | Closed | FCRE7810 | 2026-05-29 04:26 | 2026-06-30 08:19 | Acknowledged | 2 - Non-Material | C | B | Credit | Title | Title issue | Acknowledged-The lien is filed with a different name it is not a valid lien. Likely an error on part of the Servicer who filed it. - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. No active lien for the borrower, see attached files for both [Redacted] and [Redacted]. The lien is for different borrower. The $[Redacted] is an amortized homebalance (it is a conservative approach added). CLTV is still within the policy guidelines - Seller-06/29/2026 Open-Data tape pulled lien balance amount of $[Redacted], and DT property lien report reflecting lien amount as $[Redacted], however DT property lien report reflecting the lien amount is not our borrower name. Need proof of lien in borrower name for $[Redacted] and that [Redacted] is released - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. No active lien for the borrower, see attached files for both [Redacted] and [Redacted]. The lien is for different borrower. The $[Redacted] is an amortized homebalance (it is a conservative approach added). CLTV is still within the policy guidelines - Seller-06/29/2026 | Acknowledged-The lien is filed with a different name it is not a valid lien. Likely an error on part of the Servicer who filed it. - Due Diligence Vendor-06/30/2026 | [Redacted] | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | 9446067 | ||||||
| XXXXXX-1827 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2026-05-29 00:26 | 2026-06-19 08:56 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-06/19/2026 Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE = [Redacted] - Seller-06/18/2026 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]- Due Diligence Vendor-05/29/2026 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 06/19/2026 Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE =[Redacted] - Seller-06/18/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-06/19/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9442144 | |||||||
| XXXXXX-1828 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1829 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1830 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1831 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1832 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1833 | C | C | C | C | C | A | A | A | Closed | FCRE9592 | 2026-06-03 02:49 | 2026-07-14 11:26 | Acknowledged | 3 - Material | C | C | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Acknowledged-Lender acknowledged lien is in 3rd position. According to DKFF guidelines no 3rd position is allowed. finding upgraded to a 3 Material. - Due Diligence Vendor-06/24/2026 Ready for Review-Acknowledged - Seller-06/23/2026 Open-TPR found new HELOC to be in 3rd Position. Mortgage for $[Redacted] dated[Redacted] that was reflecting in Title. Please provide supporting documentation to verify tradeline is paid off and released - Due Diligence Vendor-06/03/2026 |
Ready for Review-Acknowledged - Seller-06/23/2026 | Acknowledged-Lender acknowledged lien is in 3rd position. According to DKFF guidelines no 3rd position is allowed. finding upgraded to a 3 Material. - Due Diligence Vendor-06/24/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | 9521828 | |||||||
| XXXXXX-1833 | C | C | C | C | C | A | A | A | Closed | 2640-1003357 | 2026-06-03 02:49 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/03/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9521829 | ||||||||
| XXXXXX-1833 | C | C | C | C | C | A | A | A | Closed | 1001200-1003360 | 2026-06-03 02:49 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/03/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace period entries validated from Note Document - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9521830 | ||||||||
| XXXXXX-1834 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1835 | A | A | A | A | A | A | A | A | A | A | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1836 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-06-01 00:32 | 2026-07-01 10:16 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received proof of lien - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. SOM uplaoded - Seller-06/30/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation $[Redacted] - Due Diligence Vendor-06/01/2026 |
Ready for Review-Document Uploaded. SOM uplaoded - Seller-06/30/2026 | Resolved-Received proof of lien - Due Diligence Vendor-07/01/2026 | [Redacted] | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9470907 | ||||||
| XXXXXX-1837 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1838 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1839 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1840 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1841 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1842 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-05-29 07:27 | 2026-06-02 14:49 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9449137 | ||||||||
| XXXXXX-1842 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-05-29 07:27 | 2026-06-02 14:49 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/02/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/02/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9449138 | ||||||||
| XXXXXX-1843 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1844 | C | A | A | A | C | A | A | A | Closed | 8610-13390 | 2026-06-02 01:19 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/03/2026 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) Late charge entries validated from Note Document - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9493810 | ||||||||
| XXXXXX-1844 | C | A | A | A | C | A | A | A | Closed | 63420-76210 | 2026-06-02 01:19 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/03/2026 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($441.52), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) Late charge entries validated from Note Document - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9493811 | ||||||||
| XXXXXX-1845 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1846 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2026-05-29 04:55 | 2026-06-08 08:57 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-The (12.99%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.61%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9446444 | ||||||||
| XXXXXX-1847 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1848 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1849 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1850 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1851 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2026-06-03 03:42 | 2026-06-29 16:08 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-Received proof of lien released - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. "Please find the county records attached that show the first lien of [Redacted] (from 2006) was terminated. So [Redacted] is in second lien. [Redacted]_county.pdf" - Seller-06/29/2026 Open-TPR found new HELOC to be in 3rd Position. Mortgage for $[Redacted] dated [Redacted]1 that was reflecting in Title. Please provide supporting documentation to verify tradeline is paid off. and released from title - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. "Please find the county records attached that show the first lien of [Redacted] (from 2006) was terminated. So [Redacted] is in second lien. [Redacted]_county.pdf" - Seller-06/29/2026 |
Resolved-Received proof of lien released - Due Diligence Vendor-06/29/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9523664 | ||||||
| XXXXXX-1852 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-06-01 02:15 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9471685 | ||||||||
| XXXXXX-1853 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-05-29 05:07 | 2026-06-18 19:54 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Proof of lien release received - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. [Redacted]- Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. - Seller-06/19/2026 | Resolved-Proof of lien release received - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9446605 | ||||||
| XXXXXX-1854 | A | A | A | A | A | A | A | A | A | A | [Redacted] | UT | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1855 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1856 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-06-01 04:03 | 2026-06-18 19:30 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation $[Redacted]- Due Diligence Vendor-06/01/2026 |
Resolved-Received satisfaction of mortgage - Due Diligence Vendor-06/19/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9474880 | ||||||||
| XXXXXX-1857 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1858 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1859 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-05-29 00:19 | 2026-06-18 19:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/19/2026 Resolved-Received tax info - Due Diligence Vendor-06/19/2026 Open-Missing Evidence of Property Tax Please provide supporting documentation to verify tax amount as unable to verify the same from property Report - Due Diligence Vendor-05/29/2026 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/19/2026 Resolved-Received tax info - Due Diligence Vendor-06/19/2026 |
[Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9442061 | ||||||||
| XXXXXX-1860 | D | A | D | A | A | A | A | A | Closed | FCRE6020 | 2026-05-29 05:17 | 2026-06-18 19:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | No Photo ID Found in File | Resolved-Received ID jason - Due Diligence Vendor-06/19/2026 Open-No Photo ID in File Photo ID is missing for B1 - Due Diligence Vendor-05/29/2026 |
Resolved-Received ID jason - Due Diligence Vendor-06/19/2026 | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9446750 | ||||||||
| XXXXXX-1861 | C | A | A | A | C | A | A | A | Closed | 1120 | 2026-06-01 03:45 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Under the [Redacted] Residential Mortgage Lending Act the late fee cannot exceed 5% of the past due payment. ([Redacted] Rev. Stat. Ann. 6:1097(B)(2)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9474700 | ||||||||
| XXXXXX-1862 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1863 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1864 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-05-29 05:52 | 2026-06-18 19:54 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Proof of lien release received - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Open- Please provide Lien Release documentation for CL transaction report reflecting 2nd lien of $45,000, Note : guideline is allowed only two lien in this transaction - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. - Seller-06/19/2026 | Resolved-Proof of lien release received - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9447419 | ||||||
| XXXXXX-1865 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-06-03 05:15 | 2026-06-18 19:54 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Proof of lien release received - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation for lien $[Redacted] - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. - Seller-06/19/2026 | Resolved-Proof of lien release received - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9524558 | ||||||
| XXXXXX-1866 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1867 | A | A | A | A | A | A | A | A | A | A | [Redacted] | SD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1868 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1869 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1870 | C | A | C | A | A | A | A | A | Closed | FCRE4866 | 2026-06-02 02:42 | 2026-06-18 19:35 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-Accept senior lien balance and now ltv matches - Due Diligence Vendor-06/19/2026 Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE = [Redacted] - Seller-06/18/2026 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]. Unable to reconcile Originators first lien balance of $[Redacted] - Due Diligence Vendor-06/02/2026 |
Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE = [Redacted] - Seller-06/18/2026 | Resolved-Accept senior lien balance and now ltv matches - Due Diligence Vendor-06/19/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9494338 | |||||||
| XXXXXX-1870 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-06-02 02:06 | 2026-06-18 19:33 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received satisfaction of mortgage - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide supporting documents to verify first lien of $[Redacted] from 2013 and the [Redacted] from 2020 are paid off and TPR used the $[Redacted] as first lien since it is most recent opened lien on title. - Due Diligence Vendor-06/02/2026 |
Resolved-Received satisfaction of mortgage - Due Diligence Vendor-06/19/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9494136 | ||||||||
| XXXXXX-1871 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-05-29 06:50 | 2026-06-18 19:54 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Proof of lien release received - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Open-Cl transaction report reflect lien of $[Redacted] and soft pull experian report reflect the same lien in open status and last payment date is "[Redacted]" .As per guideline 3 liens are not allowed ,Hence please provide lien release document for the same lien. - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. - Seller-06/19/2026 | Resolved-Proof of lien release received - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9448388 | ||||||
| XXXXXX-1872 | B | A | B | A | A | A | A | A | Closed | FCRE4866 | 2026-06-03 15:27 | 2026-06-19 08:45 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-With updated senior lien balance we now are within tolerance - Due Diligence Vendor-06/19/2026 Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE = [Redacted]- Seller-06/18/2026 Open-TPR could not match originators Frist lien balance of $[Redacted]. Loan showing on title was taken in 2007 as a 15 year conventional loan. TPR used conventional loan showing on credit report balance of $[Redacted]. - Due Diligence Vendor-06/03/2026 |
Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE = [Redacted] - Seller-06/18/2026 | Resolved-With updated senior lien balance we now are within tolerance - Due Diligence Vendor-06/19/2026 | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9544127 | |||||||
| XXXXXX-1872 | B | A | B | A | A | A | A | A | Closed | FCRE2021 | 2026-06-01 22:47 | 2026-06-19 08:40 | Resolved | 1 - Information | B | A | Credit | Debt | Verified DTI varies from Qualifying DTI by greater than 5% | Resolved-Lender calc now is within tolerance of TPR - Due Diligence Vendor-06/19/2026 Ready for Review-The tape shows POSTLINE_DTI = 22.04% and POSTLINE_DTI_DERIVED_INCOME = 21.57%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 = [Redacted] Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME =[Redacted] Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-06/18/2026 Open-TPR Calculated DTI is 29.6% not matching with Lender DTI 22.04% with variance 7.56% ([Redacted] - Due Diligence Vendor-06/02/2026 |
Ready for Review-The tape shows POSTLINE_DTI = 22.04% and POSTLINE_DTI_DERIVED_INCOME = 21.57%. We start with PRELINE_MONTHLY_DEBT_PAYMENTS = PRELINE_DTI * GROSS_ANNUAL_INCOME / 12 =[Redacted] Then we compute POSTLINE_DTI = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / GROSS_ANNUAL_INCOME =[Redacted]. Similarly, POSTLINE_DTI_DERIVED_INCOME = (PRELINE_MONTHLY_DEBT_PAYMENTS - DEBT_SWAP_AMOUNT + FIXED_TERM_MONTHLY_PAYMENT) * 12 / DERIVED_GROSS_ANNUAL_INCOME = [Redacted]. - Seller-06/18/2026 | Resolved-Lender calc now is within tolerance of TPR - Due Diligence Vendor-06/19/2026 | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9492592 | |||||||
| XXXXXX-1873 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-05-29 07:13 | 2026-06-18 19:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/19/2026 Resolved-Received tax info - Due Diligence Vendor-06/19/2026 Open-Missing Evidence of Property Tax Provided CL property report and CL_Voluntary_Involuntary report doesn't reflect Tax amount . - Due Diligence Vendor-05/29/2026 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/19/2026 Resolved-Received tax info - Due Diligence Vendor-06/19/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9448866 | ||||||||
| XXXXXX-1874 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1875 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1876 | C | A | A | A | C | A | A | A | Closed | 1001513-1004264 | 2026-05-29 06:06 | 2026-06-01 10:47 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-The ($48.85) late fee amount, the (29.0%) late fee percent, or the ($48.85) maximum late fee amount exceed the threshold. Under the [Redacted] Fair Lending Act, a late fee on a home loan may not exceed 5% of the late payment. A "home loan" is a HELOC not exceeding the Fannie Mae 1 unit conforming loan limit secured by a primary 1-4 unit dwelling. ([Redacted] Code 7-6A-3(3)) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9447653 | ||||||||
| XXXXXX-1877 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-05-28 23:41 | 2026-06-18 19:39 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation for $[Redacted] - Due Diligence Vendor-05/29/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9441667 | ||||||||
| XXXXXX-1878 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1879 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1880 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-06-01 05:25 | 2026-06-18 19:39 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Please provide Lien Release document for the lien of $[Redacted]. - Due Diligence Vendor-06/01/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9475923 | ||||||||
| XXXXXX-1881 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1882 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1883 | C | A | A | A | C | A | A | A | Closed | 8610-13390 | 2026-05-31 23:52 | 2026-06-01 10:50 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee Percentage (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-You submitted a late fee amount of ($29.00). You submitted a late fee percent of (0.0%). Under the [Redacted] Home Ownership Security Act, a late fee on a home loan may not exceed 5% of the amount of the payment past due. ([Redacted]S.A. 46:10B-25.4.d) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9470519 | ||||||||
| XXXXXX-1883 | C | A | A | A | C | A | A | A | Closed | 63420-76210 | 2026-05-31 23:52 | 2026-06-01 10:50 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (RMLA)(Junior Lien) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-This loan has a ($29.00) late fee amount and (0.0%) late fee percent. The [Redacted] Residential Mortgage Lending Act prohibits a late fee greater than 5% of ($348.86), the amount of payment in default, on a secondary mortgage loan. Not more than one late charge may be assessed on any one payment in arrears. ([Redacted] Rev. Stat. 17:11C-80) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9470520 | ||||||||
| XXXXXX-1884 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-05-29 05:19 | 2026-06-01 10:52 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9446781 | ||||||||
| XXXXXX-1885 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1886 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-05-28 22:10 | 2026-06-18 19:40 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Please provide Lien Release documentation for the lien of $15000. - Due Diligence Vendor-05/29/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9441117 | ||||||||
| XXXXXX-1887 | D | A | D | A | A | A | A | A | Closed | 123ABJ | 2026-06-01 06:34 | 2026-06-18 19:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received supporting income documents - Due Diligence Vendor-06/19/2026 Open-per DK Guidelines dated Sept 2025 V1.7 the guidelines call for A separate verification of ongoing employment or income continuity will be done as applicable for line sizes above [Redacted]. This is not present. - Due Diligence Vendor-06/01/2026 |
Resolved-Received supporting income documents - Due Diligence Vendor-06/19/2026 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9476743 | ||||||||
| XXXXXX-1888 | D | D | A | A | C | A | D | D | Closed | FPRO7549 | 2026-07-01 14:27 | 2026-07-01 14:27 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post close AVM value of $[Redacted] did not support origination value. - Due Diligence Vendor-07/01/2026 | Acknowledged-Post close AVM value of $[Redacted] did not support origination value. - Due Diligence Vendor-07/01/2026 | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 10029947 | ||||||||
| XXXXXX-1888 | D | D | A | A | C | A | D | D | Closed | 60620-68890 | 2026-05-29 07:15 | 2026-06-01 10:57 | Resolved | 1 - Information | C | A | Compliance | Predatory:DocType | [Redacted] - Documentation Type (Home Loan)(07/09) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-The [Redacted] Home Loan Protection Act requires Full documentation of a "home loan." ([Redacted] Stat. Ann. 58-21A-4(C)) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9448893 | ||||||||
| XXXXXX-1889 | C | A | A | A | C | A | A | A | Closed | 2300001-System-RuleEngine | 2026-05-29 06:23 | 2026-06-01 10:46 | Resolved | 1 - Information | C | A | Compliance | Mavent | System: RuleEngine | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 Open-Failed to execute Rule[[Redacted] - Maximum Late Fee (Consumer Loan)]. Error = FAILED to Evaluate FORMULA[LateFeeAmount<=Tag1Value*(Switch({{DrawAmount>0&&PIAmount>0,GreaterOf(DrawAmount,PIAmount)},{PIAmount>0&&DrawAmount=0,PIAmount},{DrawAmount>0&&PIAmount=0,DrawAmount}},100))&&(ToNumber(GetXmlNodeValue("/DataPackage/ServiceData/LateFee/MaximumLateFeeAmount/@data")))<=Tag1Value*(Switch({{DrawAmount>0&&PIAmount>0,GreaterOf(DrawAmount,PIAmount)},{PIAmount>0&&DrawAmount=0,PIAmount},{DrawAmount>0&&PIAmount=0,DrawAmount}},100))&&LateFeePercent<=Tag1Value*100], Unknown Tag[Tag1Value]. - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9447928 | ||||||||
| XXXXXX-1890 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-06-01 01:30 | 2026-06-01 10:44 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved- The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved- The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9471405 | ||||||||
| XXXXXX-1891 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-05-29 06:11 | 2026-06-01 10:43 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9447716 | ||||||||
| XXXXXX-1892 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1893 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1894 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2026-06-03 06:42 | 2026-06-18 19:53 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-Evidence Lien release received - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. "[Redacted]_[Redacted].pdf See [Redacted] report showing [Redacted] lien relased in [Redacted] - Seller-06/18/2026 Open-TPR found new HELOC to be in 3rd Position. Mortgage for $[Redacted] that was reflecting in Title. Please provide supporting document to verify the existing second lien is paid off. Per now, considered current lien position 2. - Due Diligence Vendor-06/03/2026 |
Ready for Review-Document Uploaded. "[Redacted]_[Redacted].pdf See [Redacted] report showing [Redacted] lien relased in [Redacted]" - Seller-06/18/2026 |
Resolved-Evidence Lien release received - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9525903 | ||||||
| XXXXXX-1895 | C | A | A | A | C | A | A | A | Closed | 71590 | 2026-06-02 04:47 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/03/2026 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) Late charge entries validated from Note Document - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9498444 | ||||||||
| XXXXXX-1896 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2026-06-01 03:03 | 2026-06-18 19:40 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation for $[Redacted] - Due Diligence Vendor-06/01/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9471977 | ||||||||
| XXXXXX-1896 | C | A | C | A | C | A | A | A | Closed | 1001469-1004142 | 2026-06-01 03:17 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/03/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). Under the [Redacted] Mortgage Business Act, a late charge may not exceed 5% of the unpaid amount of the installment or $25, whichever is less. ([Redacted] 9-2230) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9472100 | ||||||||
| XXXXXX-1897 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-05-28 23:50 | 2026-06-01 10:39 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-05/29/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) Late charge entries validated from Note Document - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9441743 | ||||||||
| XXXXXX-1898 | C | C | C | C | A | A | A | A | Closed | FCRE6399 | 2026-05-29 06:54 | 2026-07-01 14:39 | Acknowledged | 3 - Material | C | C | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Acknowledged-clients acknowledges the lien. There may be issues with enforcement as noted but the lien does appear on title which causes [Redacted] to be in 3rd position. - Due Diligence Vendor-07/01/2026 Counter-A HUD COVID lien (officially called a Standalone Partial Claim) is a zero-interest, subordinate lien placed on the property by the Department of Housing and Urban Development. It records the missed mortgage payments that accumulated during a COVID-19 related forbearance period. It is a valid secured lien and therefore technically places [Redacted] in 3rd position. - Due Diligence Vendor-06/30/2026 Ready for Review-Document Uploaded. """The loan of $[Redacted] is a Covid era 0% loan from HUD and not a true second lien, hence [Redacted] is in second lien. Please see the [Redacted] report attached"" [Redacted]_[Redacted].pdf" - Seller-06/29/2026 Open- Please provide Lien Release documentation CL Transaction report reflecting 2nd lien of $[Redacted] Note : guideline is not allowed 3rd lien in this transactions - Due Diligence Vendor-05/29/2026 |
The hud lien from Covid era doesnt have enforcement rights on its own. it can easily be subsumed into our line but the borrowers are getting an interest free loan that they dont want to refinance - we cant force them to lose a benefit. Marking them as lien position 3 equates them to a borrower that took out a regular first and two helocs, each with distinct abilities to foreclose. - 07/01/2026 Ready for Review-Document Uploaded. """The loan of $[Redacted] is a Covid era 0% loan from HUD and not a true second lien, hence [Redacted] is in second lien. Please see the [Redacted] report attached"" [Redacted]_[Redacted].pdf" - Seller-06/29/2026 |
Acknowledged-clients acknowledges the lien. There may be issues with enforcement as noted but the lien does appear on title which causes [Redacted] to be in 3rd position. - Due Diligence Vendor-07/01/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 9448451 | ||||||
| XXXXXX-1899 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1900 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1901 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-05-28 23:56 | 2026-06-18 19:41 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-05/29/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9441823 | ||||||||
| XXXXXX-1902 | C | A | A | A | C | A | A | A | Closed | 2420 | 2026-06-03 04:13 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/03/2026 Open-Under the [Redacted] Interest and Usury Provisions, the maximum late fee may not exceed $2 or 5%, whichever is greater. ([Redacted] COML 12-105(b)(3)) Late fee entries verified from Note document. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9523907 | ||||||||
| XXXXXX-1903 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-06-02 01:37 | 2026-06-18 19:42 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide proof the liens from [Redacted] and [Redacted] were released from title - Due Diligence Vendor-06/02/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9493951 | ||||||||
| XXXXXX-1904 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1905 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1906 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1907 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-05-29 02:33 | 2026-06-18 19:42 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. Lien amount per Title $[Redacted]. - Due Diligence Vendor-05/29/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9443396 | ||||||||
| XXXXXX-1908 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-06-02 22:14 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/03/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) Late charge entries validated from Note Document - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9519869 | ||||||||
| XXXXXX-1909 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1910 | C | A | A | A | C | A | A | A | Closed | 1120 | 2026-06-01 06:29 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/02/2026 Open-Under the [Redacted] Residential Mortgage Lending Act the late fee cannot exceed 5% of the past due payment. ([Redacted] Rev. Stat. Ann. 6:1097(B)(2)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9476665 | ||||||||
| XXXXXX-1911 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-05-29 04:24 | 2026-06-18 19:43 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. - Due Diligence Vendor-05/29/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9446039 | ||||||||
| XXXXXX-1912 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1913 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1914 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-06-02 05:31 | 2026-06-18 19:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/19/2026 Resolved-Received proof of taxes - Due Diligence Vendor-06/19/2026 Open-Missing Evidence of Property Tax The available CL property report and CL voluntary report not reflecting tax amount. - Due Diligence Vendor-06/02/2026 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/19/2026 Resolved-Received proof of taxes - Due Diligence Vendor-06/19/2026 |
[Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9499564 | ||||||||
| XXXXXX-1915 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-05-29 01:34 | 2026-06-18 19:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax information - Due Diligence Vendor-06/19/2026 Open-Missing Evidence of Property Tax Please provide supporting documentation to verify tax amount as unable to verify the same from property Report, CL Transaction history and Voluntary Report. - Due Diligence Vendor-05/29/2026 |
Resolved-Received tax information - Due Diligence Vendor-06/19/2026 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9443039 | ||||||||
| XXXXXX-1916 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1917 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1918 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1919 | C | A | A | A | C | A | A | A | Closed | 1140-450 | 2026-06-02 05:17 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/03/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). The [Redacted] Consumer Credit Code does not allow a late charge that exceeds the lesser of $10 or 5% of the unpaid installment. - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | ME | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9499346 | ||||||||
| XXXXXX-1920 | D | D | A | A | C | A | D | D | Closed | FPRO7549 | 2026-07-01 14:26 | 2026-07-01 14:26 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post close AVM value of $[Redacted] did not support origination value - Due Diligence Vendor-07/01/2026 | Acknowledged-Post close AVM value of $[Redacted] did not support origination value - Due Diligence Vendor-07/01/2026 | [Redacted] | WV | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | 10029911 | ||||||||
| XXXXXX-1920 | D | D | A | A | C | A | D | D | Closed | 1000761-1002268 | 2026-06-01 00:44 | 2026-06-01 09:04 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (CCPA) (2015) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). This loan has an installment amount of ($202.32). The [Redacted] Consumer Credit and Protection Act limits the late fee to 5% of the late installment or $30, whichever is less. ([Redacted] Code 46A-3-113) Late charge entries validated from Note Document - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | WV | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9471010 | ||||||||
| XXXXXX-1921 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1922 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-06-02 05:36 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/03/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) NA - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9499648 | ||||||||
| XXXXXX-1923 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1924 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1925 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1926 | C | A | A | A | C | A | A | A | Closed | 30270-1004233 | 2026-06-02 06:06 | 2026-06-08 08:57 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.56%). To determine the "loan yield" the system used the greater of the loan's (14.99%) APR, (14.99%) Note Rate, or (14.99%) Fully Indexed Rate. The threshold was calculated using the (6.56%) comparable APOR based on the date the interest rate was set plus four points. ([Redacted] Stat. 47.20, Subd. 4a). - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9500194 | ||||||||
| XXXXXX-1926 | C | A | A | A | C | A | A | A | Closed | 30270-1004121 | 2026-06-02 06:06 | 2026-06-08 08:57 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.61%) published monthly by the [Redacted] Commerce Department. To determine the "loan yield" the system used the greater of the loan's (14.99%) APR, (14.99%) Note Rate, or (14.99%) Fully Indexed Rate. ([Redacted] Stat. 47.20, Subd. 4a; www.mn.gov/commerce/money/industry/interest-rates/) - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9500195 | ||||||||
| XXXXXX-1926 | C | A | A | A | C | A | A | A | Closed | 54350-56990 | 2026-06-02 06:06 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Charge (FCCLP) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open-Under the [Redacted] Financial Corporations Conventional Loan Provisions, the late charge may not exceed the greater of 5% of the delinquent payment or ($9.88). ([Redacted] Stat. 47.20, Subd. 6b; 47.59, Subd. 6(a)(4)) - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9500196 | ||||||||
| XXXXXX-1927 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2026-05-29 00:58 | 2026-06-18 19:54 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Proof of lien release received - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation for $[Redacted] lien on file - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. - Seller-06/19/2026 | Resolved-Proof of lien release received - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9442448 | ||||||
| XXXXXX-1927 | C | A | C | A | C | A | A | A | Closed | 54000-56190 | 2026-05-29 01:17 | 2026-06-01 08:51 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9442624 | ||||||||
| XXXXXX-1928 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1929 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2026-06-02 00:51 | 2026-06-18 19:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/19/2026 Resolved-Received title commitment - Due Diligence Vendor-06/19/2026 Open-Title Document is missing Please provide Title Report as it is missing in File and loan amount is >[Redacted] which is $[Redacted] - Due Diligence Vendor-06/02/2026 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/19/2026 Resolved-Received title commitment - Due Diligence Vendor-06/19/2026 |
[Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9493585 | ||||||||
| XXXXXX-1930 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-06-01 04:07 | 2026-06-18 19:45 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation for $[Redacted] - Due Diligence Vendor-06/01/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9474909 | ||||||||
| XXXXXX-1931 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1932 | C | A | A | A | C | A | A | A | Closed | 8660-13480 | 2026-06-01 05:27 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/02/2026 Open-[Redacted]'s Late Charge Provisions prohibit a late fee exceeding 5% of the delinquent installment.([Redacted] Rev. Stat. Sec. 86.165) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9475932 | ||||||||
| XXXXXX-1933 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1934 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1935 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1936 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1937 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1938 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1939 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-06-01 03:06 | 2026-06-04 10:43 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved- The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved- The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9472018 | ||||||||
| XXXXXX-1940 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1941 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1942 | A | A | A | A | A | A | A | A | A | A | [Redacted] | DE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1943 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1944 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-05-29 04:08 | 2026-06-18 19:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/19/2026 Resolved-Received tax information - Due Diligence Vendor-06/19/2026 Open-Missing Evidence of Property Tax Please provide supporting documentation to verify tax amount as unable to verify the same from property Report and unable to find tax amount in CL-Voluntary Report. - Due Diligence Vendor-05/29/2026 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-06/19/2026 Resolved-Received tax information - Due Diligence Vendor-06/19/2026 |
[Redacted] | KS | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9445831 | ||||||||
| XXXXXX-1945 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-06-01 05:26 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9475924 | ||||||||
| XXXXXX-1945 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-06-01 05:26 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9475925 | ||||||||
| XXXXXX-1946 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-06-01 05:47 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/03/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9476159 | ||||||||
| XXXXXX-1947 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1948 | C | A | A | A | C | A | A | A | Closed | 71590 | 2026-05-29 04:42 | 2026-06-01 11:05 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-05/29/2026 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) Late charge entries validated from Note Document - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/01/2026 |
[Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9446265 | ||||||||
| XXXXXX-1949 | A | A | A | A | A | A | A | A | Closed | FCRE4866 | 2026-06-02 06:06 | 2026-06-19 08:46 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-CLTV is within tolerance - Due Diligence Vendor-06/19/2026 Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE =[Redacted] - Seller-06/18/2026 Open- TPR calculated CLTV is [Redacted]% and does not match the Originator CLTV of [Redacted]%. ([Redacted]). - Due Diligence Vendor-06/02/2026 |
Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE = [Redacted] - Seller-06/18/2026 | Resolved-CLTV is within tolerance - Due Diligence Vendor-06/19/2026 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9500198 | |||||||
| XXXXXX-1950 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-05-31 21:50 | 2026-06-18 19:47 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report, but Lender tape shows Lien was paid off. Please provide Lien Release for $[Redacted] Lien amount. - Due Diligence Vendor-06/01/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9469857 | ||||||||
| XXXXXX-1951 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1952 | C | A | A | A | C | A | A | A | Closed | 30270-1004233 | 2026-06-01 03:29 | 2026-06-08 08:57 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.57%). To determine the "loan yield" the system used the greater of the loan's (14.99%) APR, (14.99%) Note Rate, or (14.99%) Fully Indexed Rate. The threshold was calculated using the (6.57%) comparable APOR based on the date the interest rate was set plus four points. ([Redacted] Stat. 47.20, Subd. 4a). - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9472184 | ||||||||
| XXXXXX-1952 | C | A | A | A | C | A | A | A | Closed | 30270-1004121 | 2026-06-01 03:29 | 2026-06-08 08:57 | Resolved | 1 - Information | C | A | Compliance | Mavent | Interest: MaxRate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-The "loan yield" exceeds the [Redacted] Financial Corporations Conventional Loan Provisions maximum lawful interest rate threshold (10.61%) published monthly by the [Redacted] Commerce Department. To determine the "loan yield" the system used the greater of the loan's (14.99%) APR, (14.99%) Note Rate, or (14.99%) Fully Indexed Rate. ([Redacted] Stat. 47.20, Subd. 4a; www.mn.gov/commerce/money/industry/interest-rates/) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9472185 | ||||||||
| XXXXXX-1953 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CT | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1954 | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2026-06-02 01:04 | 2026-06-19 08:53 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Received avm and support score - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Seller-06/18/2026 Open-There are two value products in the file do not support value used in Tape of $[Redacted]. AVM in file shows Value $[Redacted] - with acceptable FSD of 17.5. Using this value would make CLTV [Redacted] which is within guidelines. Please provide AVM with value of $[Redacted]or accept AVM in file. - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. - Seller-06/18/2026 | Resolved-Received avm and support score - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9493695 | ||||||
| XXXXXX-1955 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1956 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1957 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MS | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1958 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-06-01 05:39 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9476065 | ||||||||
| XXXXXX-1959 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-05-31 21:53 | 2026-06-18 19:54 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Proof of lien release received - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Seller-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. Please Provide Lien Release documentation for $95,990 lien on title. - Due Diligence Vendor-06/01/2026 |
Ready for Review-Document Uploaded. - Seller-06/19/2026 | Resolved-Proof of lien release received - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9469863 | ||||||
| XXXXXX-1960 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1961 | C | A | C | A | A | A | A | A | Closed | FCRE4866 | 2026-05-29 04:03 | 2026-06-19 08:58 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV exceeds difference from Originator CLTV | Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-06/19/2026 Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE =[Redacted]- Seller-06/18/2026 Open-TPR Calculated CLTV is [Redacted]% which is not matching with Originator CLTV is [Redacted]%. ([Redacted]9 - Due Diligence Vendor-05/29/2026 |
We conservatively tag accounts as 1st lien for compliance purposes, to comply with high cost mortgage rules when we don't find liens on [Redacted] or [Redacted]. At the same time, we include mortgage balances & payments found in Experian into the DTI and CLTV calculations for credit purposes. This way we act conservatively on both credit and compliance” - 06/19/2026 Ready for Review-POSTLINE_CLTV = (HOME_BALANCE_AMOUNT + CREDIT_LIMIT) / HOME_VALUE = [Redacted] - Seller-06/18/2026 |
Resolved-TPR considers this a 1st lien, lender added other mortgages to be conservative, but title reports no first liens. - Due Diligence Vendor-06/19/2026 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9445795 | |||||||
| XXXXXX-1961 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2026-05-29 04:12 | 2026-06-18 19:53 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-Evidence of lien release received - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. "[Redacted].pdf There is no senior mortgage , [Redacted] is the only lien" - Seller-06/18/2026 Open-Lien position 1 per tape data whereas Active mortgage with $[Redacted] dated [Redacted] reflecting in CL_Transaction history which is more than 30 years from closing date. Please provide supporting document to validate that the lien is released. Per now, considered current lien position 1. - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. "[Redacted].pdf There is no senior mortgage , [Redacted] is the only lien" - Seller-06/18/2026 |
Resolved-Evidence of lien release received - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9445880 | ||||||
| XXXXXX-1962 | C | A | C | A | A | A | A | A | Closed | FCRE4989 | 2026-06-02 05:58 | 2026-06-23 08:03 | Resolved | 1 - Information | C | A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Proof of judgment removed. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. No open judgement, see attached file for details - Seller-06/22/2026 Open-There is a open lien judgement of $[Redacted] recorded on [Redacted] with case number [Redacted] - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. No open judgement, see attached file for details - Seller-06/22/2026 |
Resolved-Proof of judgment removed. - Due Diligence Vendor-06/23/2026 | [Redacted] | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9500028 | ||||||
| XXXXXX-1963 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1964 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2026-06-01 06:24 | 2026-06-23 08:14 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Proof of [Redacted]lien not on title received. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. No active lien of $[Redacted], see attached file for details - Seller-06/22/2026 Open-Please provide Lien Release documentation for CL Transaction history report lien position 1 in the amount of $[Redacted] still in active status - Due Diligence Vendor-06/01/2026 |
Ready for Review-Document Uploaded. No active lien of $[Redacted], see attached file for details - Seller-06/22/2026 | Resolved-Proof of [Redacted] lien not on title received. - Due Diligence Vendor-06/23/2026 | [Redacted] | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9476631 | ||||||
| XXXXXX-1964 | C | A | C | A | C | A | A | A | Closed | 1090-400 | 2026-06-01 06:20 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/04/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9476572 | ||||||||
| XXXXXX-1965 | A | A | A | A | A | A | A | A | A | A | [Redacted] | GA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1966 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1967 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1968 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1969 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1970 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-06-01 06:39 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/02/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9476791 | ||||||||
| XXXXXX-1971 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1972 | C | A | A | A | C | A | A | A | Closed | 60540-68760 | 2026-05-29 03:12 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Predatory:LateFees | [Redacted] - Maximum Late Fee (Home Loan) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-05/29/2026 Open-The [Redacted] Home Loan Protection Act prohibits the late fee from exceeding 5% of the overdue payment in a "home loan." ([Redacted] Stat. Ann. 58-21A-4(K)(1)) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NM | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9443704 | ||||||||
| XXXXXX-1973 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1974 | C | A | A | A | C | A | A | A | Closed | 22700-28700 | 2026-06-01 06:38 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (SMLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 Open-Under the [Redacted] Secondary Mortgage Loan Act, a late charge may not exceed $15 or 5% of each payment, whichever is greater. ([Redacted] Comp. Laws Ann. 493.72(1)(d); 445.1856(1)(c)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9476785 | ||||||||
| XXXXXX-1975 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-06-02 00:06 | 2026-06-18 19:47 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report, but Lender tape shows Lien was paid off. Please provide Lien Release Documentation for$[Redacted] Lien on title. - Due Diligence Vendor-06/02/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9493180 | ||||||||
| XXXXXX-1976 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1977 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1978 | D | A | A | A | C | A | D | A | Closed | FPRO1242 | 2026-06-01 02:43 | 2026-06-18 19:21 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received avm - Due Diligence Vendor-06/19/2026 Open-Please provide complete and valid Valuation document as it is missing in file to support $[Redacted] used for value. As of now, considered property value from tape data for CLTV calculation. - Due Diligence Vendor-06/01/2026 |
Resolved-Received avm - Due Diligence Vendor-06/19/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9471839 | ||||||||
| XXXXXX-1978 | D | A | A | A | C | A | D | A | Closed | 2640-1003357 | 2026-06-01 01:08 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9471235 | ||||||||
| XXXXXX-1978 | D | A | A | A | C | A | D | A | Closed | 1001200-1003360 | 2026-06-01 01:08 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace period entries validated from Note Document - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9471236 | ||||||||
| XXXXXX-1979 | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2026-05-31 23:17 | 2026-06-19 09:06 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Received AVM and supported score - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Seller-06/18/2026 Open-Please provide complete and valid Valuation document as property value in tape data not matching in House Canary report. As of now, considered property value from tape data for CLTV calculation. - Due Diligence Vendor-06/01/2026 |
Ready for Review-Document Uploaded. - Seller-06/18/2026 | Resolved-Received AVM and supported score - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9470226 | ||||||
| XXXXXX-1980 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1981 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-1982 | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2026-06-01 04:34 | 2026-07-01 10:15 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Received AVM - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. uploaded [Redacted] json - Seller-06/30/2026 Open-Please provide complete and valid Valuation document as it is missing in file to support $[Redacted] used. As of now, considered property value from tape data for CLTV calculation. - Due Diligence Vendor-06/01/2026 |
Ready for Review-Document Uploaded. uploaded [Redacted] json - Seller-06/30/2026 | Resolved-Received AVM - Due Diligence Vendor-07/01/2026 | [Redacted] | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9475228 | ||||||
| XXXXXX-1983 | A | A | A | A | A | A | A | A | A | A | [Redacted] | LA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1984 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1985 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1986 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1987 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1988 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1989 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-06-01 03:15 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late fee entries verified from Note document. - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9472078 | ||||||||
| XXXXXX-1989 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-06-01 03:15 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace Period entries verified from Note document. - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9472079 | ||||||||
| XXXXXX-1990 | C | A | A | A | C | A | A | A | Closed | 71590 | 2026-05-29 06:35 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-05/29/2026 Open-The late fee ($29.00) exceeds the [Redacted] Mini-Code limit of the greater of $18 or 5% ($1.45) of the overdue payment, but not to exceed $100. ([Redacted] Code 5-19-4(a) & 8-8-5. Cantrell v. Walker Builders, Inc., 678 So. 2d 169. Ex parte Watley, 708 So. 2d 890) Late fee entries verified from Note document. - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9448115 | ||||||||
| XXXXXX-1991 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1992 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1993 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1994 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NE | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1995 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-1996 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-06-02 03:19 | 2026-06-04 10:45 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9495437 | ||||||||
| XXXXXX-1996 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-06-02 03:19 | 2026-06-04 10:45 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9495447 | ||||||||
| XXXXXX-1997 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-1998 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-06-02 02:58 | 2026-06-03 15:28 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9494446 | ||||||||
| XXXXXX-1999 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-2000 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2001 | A | A | A | A | A | A | A | A | A | A | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-2002 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NJ | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-2003 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AR | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2004 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-06-02 00:21 | 2026-06-03 15:29 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9493332 | ||||||||
| XXXXXX-2005 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2006 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2007 | C | A | A | A | C | A | A | A | Closed | 17920-23650 | 2026-06-01 01:48 | 2026-06-08 08:57 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury (Interest) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-The (14.99%) interest rate exceeds the Discount Rate on 90-day Commercial Paper (3.78%) plus 8%. Under the [Redacted] Interest Provisions the interest rate cannot exceed the Discount Rate on 90-day Commercial Paper plus 8% on a junior lien loan of [Redacted] or less secured by a 1-2 unit dwelling. ([Redacted] Rev. Code 1343.01) Interest Rate 14.99% verified from Note document - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9471524 | ||||||||
| XXXXXX-2008 | C | A | A | A | C | A | A | A | Closed | 1090-400 | 2026-06-02 00:59 | 2026-06-04 10:46 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9493659 | ||||||||
| XXXXXX-2009 | C | A | A | A | C | A | A | A | Closed | 56820-60920 | 2026-06-01 04:37 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (MLILCPA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-Under the [Redacted] Mortgage Licensing Act, a late fee cannot exceed the greater of 10% of the payment or $20.00. (7[Redacted]Stat. 6125) Late Charge entries verified from Note document. - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9475256 | ||||||||
| XXXXXX-2010 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-2011 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-2012 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-06-01 08:48 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9479127 | ||||||||
| XXXXXX-2012 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-06-01 08:48 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9479128 | ||||||||
| XXXXXX-2013 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-2014 | D | D | A | A | A | A | D | D | Closed | FPRO7549 | 2026-07-22 07:56 | 2026-07-22 07:56 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Post-close value of 187358 did not support origination value. - Due Diligence Vendor-07/22/2026 | Acknowledged-Post-close value of 187358 did not support origination value. - Due Diligence Vendor-07/22/2026 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 10400445 | ||||||||
| XXXXXX-2015 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-06-02 03:35 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/02/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) Late charge entries validated from Note Document - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | IN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9497441 | ||||||||
| XXXXXX-2016 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2017 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-2018 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2019 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-06-02 09:20 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9504802 | ||||||||
| XXXXXX-2019 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-06-02 09:20 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 9504803 | ||||||||
| XXXXXX-2020 | D | A | A | A | C | A | D | A | Closed | FVAL1039 | 2026-05-29 07:56 | 2026-06-19 09:08 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Received avm and supportive score - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Uploaded [Redacted]_DT_PROCISION_PREMIER_REPORT_RESPONSE_JSON.json - Seller-06/18/2026 Open-Please provide complete and valid Valuation document as property value in tape data not matching in value analysis report and THVX document. As of now, considered property value from tape data for CLTV calculation. - Due Diligence Vendor-05/29/2026 |
Ready for Review-Document Uploaded. Uploaded [Redacted]_DT_PROCISION_PREMIER_REPORT_RESPONSE_JSON.json - Seller-06/18/2026 | Resolved-Received avm and supportive score - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9449786 | ||||||
| XXXXXX-2020 | D | A | A | A | C | A | D | A | Closed | 1090-400 | 2026-05-29 08:17 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open-Under the [Redacted] Interest Act, a late fee may not exceed 5% of the amount of the installment in default. (815 ILCS 205/4.1a(f)) Late fee entries verified from Note document. - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | IL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9450219 | ||||||||
| XXXXXX-2021 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-2022 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2023 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-2024 | C | A | A | A | C | A | A | A | Closed | 54000-56190 | 2026-06-02 03:59 | 2026-06-03 15:35 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (UCCC) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open-Under the [Redacted] UCCC, the late charge must be less than or equal to ($25.00). ([Redacted] Code 24-4.5-3-203.5; 750 IAC 1-1-1) - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | IN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9497686 | ||||||||
| XXXXXX-2025 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2026 | C | A | C | A | A | A | A | A | Closed | FCRE9592 | 2026-06-02 05:12 | 2026-06-18 19:53 | Resolved | 1 - Information | C | A | Credit | Title | Title Policy Issue - Lien position GREATER than 2 | Resolved-Evidence of lien release received - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Seller-06/18/2026 Open-The first mortgage of the subject property is closed per the credit report but active per the tape date and title search. Please provide an updated document to validate the current active status of the subject property senior lien.’ - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. - Seller-06/18/2026 | Resolved-Evidence of lien release received - Due Diligence Vendor-06/19/2026 | [Redacted] | [Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9499266 | ||||||
| XXXXXX-2027 | C | A | C | A | C | A | A | A | Closed | FCRE6399 | 2026-06-01 02:50 | 2026-06-18 19:48 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation for $[Redacted] lien on title - Due Diligence Vendor-06/01/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9471879 | ||||||||
| XXXXXX-2027 | C | A | C | A | C | A | A | A | Closed | 2640-1003357 | 2026-06-01 03:18 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9472101 | ||||||||
| XXXXXX-2027 | C | A | C | A | C | A | A | A | Closed | 1001200-1003360 | 2026-06-01 03:18 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Entries correct in related fields - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9472102 | ||||||||
| XXXXXX-2028 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OH | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2029 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2030 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2031 | A | A | A | A | A | A | A | A | A | A | [Redacted] | VA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2032 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-06-02 05:02 | 2026-06-18 19:49 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation. Please Provide Lien Release documentation for $125,000 lien on title. - Due Diligence Vendor-06/02/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9498862 | ||||||||
| XXXXXX-2033 | D | A | A | A | D | A | A | A | Closed | FCOM1262 | 2026-05-29 05:57 | 2026-06-18 19:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received ROR - Due Diligence Vendor-06/19/2026 Open-Right to cancel documents is missing in file dates considered from DOT Notary page(o drive) - Due Diligence Vendor-05/29/2026 |
Resolved-Received ROR - Due Diligence Vendor-06/19/2026 | [Redacted] | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9447506 | ||||||||
| XXXXXX-2033 | D | A | A | A | D | A | A | A | Closed | FCOM1206 | 2026-05-29 05:43 | 2026-06-18 19:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-Received Note - Due Diligence Vendor-06/19/2026 Resolved-The Note is Present - Due Diligence Vendor-06/19/2026 Open-The Note is Missing Note document is Missing in file dates considered from DOT Notary page(o drive) - Due Diligence Vendor-05/29/2026 |
Resolved-Received Note - Due Diligence Vendor-06/19/2026 Resolved-The Note is Present - Due Diligence Vendor-06/19/2026 |
[Redacted] | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9447297 | ||||||||
| XXXXXX-2033 | D | A | A | A | D | A | A | A | Closed | 1000761-1002268 | 2026-05-29 05:56 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (CCPA) (2015) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-05/29/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). This loan has an installment amount of ($249.61). The [Redacted] Consumer Credit and Protection Act limits the late fee to 5% of the late installment or $30, whichever is less. ([Redacted] Code 46A-3-113) Late charge entries validated from Note Document - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9447493 | ||||||||
| XXXXXX-2034 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||||
| XXXXXX-2035 | C | A | A | A | C | A | A | A | Closed | 1000761-1002268 | 2026-05-29 04:28 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (CCPA) (2015) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-05/29/2026 Open-You submitted a ($29.00) Late Fee Amount, a (0.0%) Late Fee Percent, and a ($29.00) Maximum Late Fee Amount. (0.0%) of the unpaid installment is ($0.00). This loan has an installment amount of ($525.54). The [Redacted] Consumer Credit and Protection Act limits the late fee to 5% of the late installment or $30, whichever is less. ([Redacted] Code 46A-3-113) - Due Diligence Vendor-05/29/2026 Open- - Due Diligence Vendor-05/29/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | WV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9446086 | ||||||||
| XXXXXX-2036 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2037 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CO | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-2038 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2039 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AZ | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2040 | A | A | A | A | A | A | A | A | A | A | [Redacted] | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2041 | A | A | A | A | A | A | A | A | A | A | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2042 | A | A | A | A | A | A | A | A | A | A | [Redacted] | AL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2043 | C | A | C | A | A | A | A | A | Closed | FCRE6399 | 2026-06-02 02:48 | 2026-06-18 19:49 | Resolved | 1 - Information | C | A | Credit | Title | Title Report shows Lien in place - No Lien Release is present | Resolved-Received SOM - Due Diligence Vendor-06/19/2026 Open-Title Report shows lien release in place but no lien release is present. Lien position is shown on Title report but Lender tape shows Lien was paid off. Please provide Lien Release documentation for $[Redacted] - Due Diligence Vendor-06/02/2026 |
Resolved-Received SOM - Due Diligence Vendor-06/19/2026 | [Redacted] | PA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9494361 | ||||||||
| XXXXXX-2044 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2045 | C | A | A | A | C | A | A | A | Closed | 8660-13480 | 2026-06-02 04:56 | 2026-06-04 09:07 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/04/2026 Open-[Redacted]'s Late Charge Provisions prohibit a late fee exceeding 5% of the delinquent installment.([Redacted] Rev. Stat. Sec. 86.165) - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/04/2026 |
[Redacted] | OR | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9498770 | ||||||||
| XXXXXX-2046 | D | D | D | A | C | A | D | D | Closed | FPRO7549 | 2026-07-01 14:24 | 2026-07-01 14:24 | Acknowledged | 3 - Material | D | D | Property | Value | Post-Close Appraised value is unsupported | Acknowledged-Could not obtain final supported value. Avm did not support origination value. - Due Diligence Vendor-07/01/2026 | Acknowledged-Could not obtain final supported value. Avm did not support origination value. - Due Diligence Vendor-07/01/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 10029885 | ||||||||
| XXXXXX-2046 | D | D | D | A | C | A | D | D | Closed | FCRE1164 | 2026-06-01 04:22 | 2026-07-01 10:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Proof of true flood zone - Due Diligence Vendor-07/01/2026 Ready for Review-FEMA site shows it is flood zone X, to duplicate the results go to https://msc.fema.gov/portal/home > Enter the address in the search bar > Click Dynamic Map - Seller-06/30/2026 Counter-Can not tie document uploaded to this property address. No address listed on document. Json is clear this is AE zone. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Not required, since the property isn't in a flood zone - Flood zone X - Seller-06/22/2026 Open-Missing Flood Insurance Policy Flood Zone AE per DT_PROPERTY_REPORT_RESPONSE_JSON.json - Due Diligence Vendor-06/01/2026 |
Ready for Review-FEMA site shows it is flood zone X, to duplicate the results go to https://msc.fema.gov/portal/home > Enter the address in the search bar > Click Dynamic Map - Seller-06/30/2026 Ready for Review-Document Uploaded. Not required, since the property isn't in a flood zone - Flood zone X - Seller-06/22/2026 |
Resolved-Proof of true flood zone - Due Diligence Vendor-07/01/2026 | [Redacted] | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9475090 | ||||||
| XXXXXX-2046 | D | D | D | A | C | A | D | D | Closed | FCRE1145 | 2026-06-08 10:08 | 2026-06-29 08:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Updated DT shows correct address - Due Diligence Vendor-06/29/2026 Ready for Review-Document Uploaded. It is the same address, refer to the APN & ownership, both matches the subject property. Please also check the 2nd lien details ([Redacted] line), this is where the lien has been added. See the attached to see the lien details - Seller-06/26/2026 Open-Title in file (Involuntary lien shows wrong address) Other items showing lien (DT property report) not showing address. Need search on correct address of [Redacted] - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document Uploaded. It is the same address, refer to the APN & ownership, both matches the subject property. Please also check the 2nd lien details ([Redacted] line), this is where the lien has been added. See the attached to see the lien details - Seller-06/26/2026 |
Resolved-Updated DT shows correct address - Due Diligence Vendor-06/29/2026 | [Redacted] | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9608443 | ||||||
| XXXXXX-2046 | D | D | D | A | C | A | D | D | Closed | FPRO1242 | 2026-06-01 09:45 | 2026-06-18 19:24 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-received AVM - Due Diligence Vendor-06/19/2026 Open-Please provide complete Valuation document as provided value analysis report is invalid. As of now, considered property value from tape data for CLTV calculation. The address on the report is [Redacted] and not [Redacted]- Due Diligence Vendor-06/01/2026 |
Resolved-received AVM - Due Diligence Vendor-06/19/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9480700 | ||||||||
| XXXXXX-2046 | D | D | D | A | C | A | D | D | Closed | 2640-1003357 | 2026-06-01 04:25 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Late charge entries validated from Note Document - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9475126 | ||||||||
| XXXXXX-2046 | D | D | D | A | C | A | D | D | Closed | 1001200-1003360 | 2026-06-01 04:25 | 2026-06-08 08:56 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/01/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) Grace period entries validated from Note Document - Due Diligence Vendor-06/01/2026 Open- - Due Diligence Vendor-06/01/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/08/2026 | [Redacted] | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9475127 | ||||||||
| XXXXXX-2047 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2048 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2049 | C | A | A | A | C | A | A | A | Closed | 54350-56990 | 2026-06-02 04:11 | 2026-06-03 15:18 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Charge (FCCLP) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/02/2026 Open-Under the [Redacted] Financial Corporations Conventional Loan Provisions, the late charge may not exceed the greater of 5% of the delinquent payment or ($9.88). ([Redacted] Stat. 47.20, Subd. 6b; 47.59, Subd. 6(a)(4)) Late charge entries validated from Note Document - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9497801 | ||||||||
| XXXXXX-2050 | A | A | A | A | A | A | A | A | A | A | [Redacted] | TN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2051 | A | A | A | A | A | A | A | A | A | A | [Redacted] | NE | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2052 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2053 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2054 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WI | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2055 | A | A | A | A | A | A | A | A | A | A | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2056 | C | A | A | A | C | A | A | A | Closed | 16530-1003047 | 2026-06-02 05:45 | 2026-06-03 16:03 | Resolved | 1 - Information | C | A | Compliance | Interest:MaxRate | [Redacted] - Usury Rate | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 Open-The [Redacted] Interest Statute prohibits an interest rate from exceeding 8%. ([Redacted] Rev. Stat. 360.010) Interest rate 8.74% verified from Note document. - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, interest rates would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the initial Interest Rate that will apply. We concur that this preempts state specific interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9499792 | ||||||||
| XXXXXX-2056 | C | A | A | A | C | A | A | A | Closed | 16480-22180 | 2026-06-02 05:45 | 2026-06-03 16:02 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Max Late Charge (CLA) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/02/2026 Open-The [Redacted] Consumer Loan Act prohibits a late fee in excess of the 5% of the past due amount or $10, whichever is greater. ([Redacted] Rev. Stat. 286.4-533) Late fee entries verified from Note document. - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 | [Redacted] | KY | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9499791 | ||||||||
| XXXXXX-2057 | A | A | A | A | A | A | A | A | A | A | [Redacted] | MN | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2058 | A | A | A | A | A | A | A | A | A | A | [Redacted] | OK | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2059 | C | A | A | A | C | A | A | A | Closed | 2640-1003357 | 2026-06-02 06:41 | 2026-06-03 15:22 | Resolved | 1 - Information | C | A | Compliance | Late:Amount | [Redacted] - Maximum Late Fee (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open-The ($29.00) late fee amount or ($0.00) late fee percent calculated amount exceeds $10. Under the [Redacted] Interest Provisions, a late payment charge may not exceed $10 on an equity line of credit less than [Redacted] having an outstanding balance of $100 or more, provided the monthly periodic rate is no greater than 1.25%, which when such rate is annualized is 15%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9500877 | ||||||||
| XXXXXX-2059 | C | A | A | A | C | A | A | A | Closed | 1001200-1003360 | 2026-06-02 06:41 | 2026-06-03 15:22 | Resolved | 1 - Information | C | A | Compliance | Late:Grace | [Redacted] - Minimum Grace Period (Open-End Loans) | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/03/2026 Open-This loan has a (21.0) day grace period. Under the [Redacted] Interest provisions, a late payment is permitted for a payment past due for 30 days or more, provided the monthly periodic rate is no greater than 1.25%. ([Redacted] Gen. Stat. 24-11(d1); [Redacted] Gen. Stat. 24-10; [Redacted] Gen. Stat. 24-1.2A(b)) - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | NC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 9500878 | ||||||||
| XXXXXX-2060 | A | A | A | A | A | A | A | A | A | A | [Redacted] | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||||||
| XXXXXX-2061 | A | A | A | A | A | A | A | A | A | A | [Redacted] | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||||
| XXXXXX-2062 | C | A | A | A | C | A | A | A | Closed | 1120 | 2026-06-02 06:25 | 2026-06-03 15:40 | Resolved | 1 - Information | C | A | Compliance | Mavent | Late: Amount | Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 Open- - Due Diligence Vendor-06/02/2026 Open-Under the [Redacted] Residential Mortgage Lending Act the late fee cannot exceed 5% of the past due payment. ([Redacted] Rev. Stat. Ann. 6:1097(B)(2)) Late charge entries validated from Note Document - Due Diligence Vendor-06/02/2026 Open- - Due Diligence Vendor-06/02/2026 |
Resolved-The lender provided an opinion from outside counsel dated May 17, 2024. The opinion clearly states that the Lender may apply preemption for interest rates and associated late fees under 12 U.S.C. 1831d(a)i as a state-chartered regulated bank under the FDIC, and therefore export interest rates and late fees of its home state [Redacted] to other states. Thus, late fees would look to CCB’s home state as to the governing law, the [Redacted] Consumer Loan Act, 208-620-555(c) controls, as was provided. The first clause states: “If the loan terms and conditions agreed to by the borrower do not otherwise dictate…” Here, the Consumer Agreement does dictate the amount of the late fee and also when the late fee will apply. Specifically, Consumer Agreement §11(f) states: “Late Payment Fee: If a payment of at least the amount of the Minimum Payment Due disclosed on the periodic statement is not received by the Payment Due Date, a penalty fee of $29 will be imposed” (emphasis added). We concur that this preempts state specific late charge and interest rate limits therefore Finding is resolved. - Due Diligence Vendor-06/03/2026 |
[Redacted] | LA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9500605 |