MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM11 ABS-15G
Exhibit 99.2 - Schedule 1
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| Run Date - 9/30/2026 9:55:57 AM | ||||||||||||||||||||||||||||||||||||||||||||||||
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| [Redact] | 9240859 | [Redact] | 34167799 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Reviewer Comment (2025-08-13): Disclosure provided Seller Comment (2025-08-12): right to receive appraisal |
08/13/2025 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9499045 | [Redact] | [Redact] | 34396805 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-10-14): Waived on Rate Lock: Collateral cleared by Custodian |
10/14/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 9499045 | [Redact] | [Redact] | 34691707 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 10/10/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 9501893 | [Redact] | [Redact] | 34425049 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-10-17): Waived on Rate Lock: Collateral cleared by Custodian |
10/17/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 9501893 | [Redact] | [Redact] | 34726759 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 10/15/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 9501893 | [Redact] | [Redact] | 34726776 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of Statement. | Reviewer Comment (2025-10-29): Received revised 1003 & 1008. Exception Cleared. Seller Comment (2025-10-28): [Redacted] [Redacted]: please see attached Reviewer Comment (2025-10-23): Received revised 1003. Required updated 1008 with revised DTI to clear this condition. Exception Remains. Seller Comment (2025-10-22): [Redacted] [Redacted]: Borrower would not have a mortgage statement for this REO, as the purchase did not happen. Providing loan app without this REO Reviewer Comment (2025-10-20): Required Mortgage statement to clear this condition. Exception Remains. Seller Comment (2025-10-16): [Redacted] [Redacted]: please see attached Approval Letter, showing the loan status as Rejected, as well as the denial letter sent. The loan for this purchase did not go through and was not purchased. |
10/29/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 9501893 | [Redact] | [Redact] | 34726797 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 10/15/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 9501893 | [Redact] | [Redact] | 34726799 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Reviewer Comment (2025-11-19): Proof of receipt of earlier disclosure provided Seller Comment (2025-11-17): Per Regulation 22.9 (f) "... A bank will be considered to be in compliance with the requirement for notice to the borrower of this section by providing written notice to the borrower containing the language presented in appendix A to this part within a reasonable time before the completion of the transaction. The notice presented in appendix A to this part satisfies the borrower notice requirements of the Act." This does not state that it must be signed but only delivered to the borrower within a reasonable time. Please reference the attached Flood hazard area notice and TRID History highlighted in yellow showing it distributed and clicked. Reviewer Comment (2025-10-21): Additional copy of the disclosure provided to the borrower at closing was provided. Proof of earlier receipt is required. Note: file contains a copy of the disclosure dated [Redacted]; however unable to verify the date the disclosure was received by the borrower. Condition remains Seller Comment (2025-10-17): [Redacted] [Redacted]: Please see the attached // |
11/19/2025 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 9502505 | [Redact] | [Redact] | 34434095 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-11-04): Waived on Rate Lock: Collateral cleared by [Redacted] Seller Comment (2025-11-03): The collateral was delivered [Redacted] at [Redacted]via [Redacted] #[Redacted]. |
11/04/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9220271 | [Redact] | 34532021 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | Subject property type is condo warrantable, Project Approval is missing in the file. | Reviewer Comment (2025-08-05): Accepting conditional approval for condo warranty per client, Buyer Comment (2025-08-05): We feel the Conditional approval reflecting the condo is warrantable is the same as the comments added to a 1008 reflecting the condo is warrantable and should be acceptable Reviewer Comment (2025-08-05): Conditional approval is not acceptable document for warrantable Condo approval. Lender attestation Confirming Condominiums must either meet FNMA requirements (inclusive of limited reviews) or the warrantable guidelines noted in Ice cap guideline. Exception Remains Buyer Comment (2025-08-01): per lender : Attached is our standard loan approval stating the warrantable condo Reviewer Comment (2025-07-30): Per Guideline "Condominiums must either meet FNMA requirements (inclusive of limited reviews) or the warrantable guidelines noted in Ice cap guideline. require Lender attestation or FNMA Project approval confirming Condo is warrantable. Exception Remains Buyer Comment (2025-07-28): per lender: Per the questionnaire, the project is 100% complete. Per guidelines, this is not required |
08/05/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 9220271 | [Redact] | 34532022 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2025-07-28): Acknowledged non-material |
07/28/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 9220271 | [Redact] | 34532023 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state | Note grace period days less than minimum per state. | Buyer Comment (2025-07-28): Acknowledged non-material |
07/28/2025 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 9851860 | [Redact] | [Redact] | 34839259 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-05): Waived on Rate Lock: Collateral cleared by Custodian |
03/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 9851860 | [Redact] | [Redact] | 35446506 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [Redacted]% Points and Fees | Fannie Mae [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Reviewer Comment (2026-01-13): Client elected to waive the condition on the Non-QM 1st lien |
01/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 9851860 | [Redact] | [Redact] | 35446510 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-12): Sufficient Cure Provided At Closing |
01/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 9852725 | [Redact] | [Redact] | 34847405 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-11-26): Waived on Rate Lock: Collateral cleared by Custodian |
11/26/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9861420 | [Redact] | [Redact] | 34916309 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian |
02/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 9861420 | [Redact] | [Redact] | 35795024 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 02/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 9861420 | [Redact] | [Redact] | 35795054 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - [Redacted]% Points and Fees | Fannie Mae [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Reviewer Comment (2026-02-12): Client elected to waive the condition on the Non-QM 1st lien |
02/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 9861420 | [Redact] | [Redact] | 35795060 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test - Regular Transaction | TILA-RESPA Integrated Disclosure - Most recent Closing Disclosure received at least [Redacted] days prior to closing dated [Redacted]disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three [Redacted] business days prior to consummation. | Most recent Closing Disclosure received at least [Redacted] days prior to closing dated [Redacted] disclosed an inaccurate APR of [Redacted]% compared to the actual APR at consummation of [Redacted]% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-02-16): [Redacted] received [Redacted] & [Redacted] CD's Seller Comment (2026-02-13): [Redacted][Redacted] Please see attached |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 9861420 | [Redact] | [Redact] | 35795062 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-20): [Redacted] received rebuttal and rate lock dated [Redacted][Redacted] Seller Comment (2026-02-18): [Redacted][Redacted] Disagree - The Lock sheets can not be used for corr loan lock changes as they set their own pricing. Please remove the lock sheets from your review, they should not have been sent over for this transaction. There was a lien appearing on that property that is now paid off changed on [Redacted] that caused an adjustment to the LTV. Due to this, the price adjustors for LTV changed from [Redacted]% to [Redacted]% making the final cost adjust as well. Final price was adjusted. Reviewer Comment (2026-02-16): [Redacted] Received COC dated [Redacted][Redacted] states LTV increased due to lien payoff is not a valid reason. LTV does not change on lock [Redacted]compared to lock [Redacted]. Also, discount point on lock dated [Redacted] reflecting as $ [Redacted] and on CD dated [Redacted] reflecting as $ [Redacted]. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2026-02-13): [Redacted][Redacted] Disagree: There was a lean appearing on that property that is now paid off changed on [Redacted] that caused an adjustment to the LTV. Due to this, the price adjust for LTV changed from [Redacted]% to [Redacted]% making the final cost adjust as well. Final price was adjusted. Seller Comment (2026-02-13): [Redacted][Redacted] Disagree: There was a lean appearing on that property that is now paid off changed on [Redacted] that caused an adjustment to the LTV. Due to this, the price adjust for LTV changed from [Redacted]% to [Redacted]% making the final cost adjust as well. Final price was adjusted. |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 9861420 | [Redact] | [Redact] | 35795063 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-02-16): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Seller Comment (2026-02-13): [Redacted][Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 9861420 | [Redact] | [Redact] | 35853826 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-02-20): Sufficient Cure Provided At Closing |
02/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||
| [Redact] | 9912092 | [Redact] | [Redact] | 34964662 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2025-12-12): Waived on Rate Lock: Collateral cleared by Custodian |
12/12/2025 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 9912092 | [Redact] | [Redact] | 35190043 | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines | Per the guidelines, the interested party concessions of [Redacted]% exceed the max allowable for a loan with an LTV > [Redacted]% of [Redacted]%. Note: the borrower is the selling realtor and the CD identified a realtor credit of $[Redacted]; however there is not documentation in file verifying this credit was to be used by the borrower for the funds to close. | Reviewer Comment (2026-02-04): Documentation provided verifying is the owner of the Realty company. The Realtor Credit on the CD is acceptable to be used for funds to close. Seller Comment (2026-02-04): [Redacted]: Borrower owns the realty agency, any confirmation from the agency would just effectively be an LOX from the borrower. Purchase agreement confirms the commission is $ [Redacted], which is identical to the CD. FNMA b3-4.3-21 has very specific guidance for this exact situation and the documentation requirements do not include a letter from the agency. Seller Comment (2025-12-29): [Redacted]: Loan is being cited as short funds to close due to not having confirmation from the realty company that the borrower's commission was applied to funds to close. We believe that the closing disclosure reflecting the agent credit should be sufficient and there is no guideline requiring the realty company to also confirm this. Generally speaking, agent credits do not require a purchase agreement addendum or anything along those lines, we believe the funds to close are sufficiently supported. Thank you. Reviewer Comment (2025-12-26): The source of funds to close must be fully documented. The condition is valid and will remain open. Documentation from the Realty company confirming the commission paid to the borrower was used for funds to close and not an interested party concessions is required. Seller Comment (2025-12-24): [Redacted] [Redacted]: Please provide guideline that requires the realty company to sign off on how the borrower uses their commission so we can escalate to leadership. Reviewer Comment (2025-12-23): The borrower is an agent for the realty company. Confirmation from the realty company allowing the borrower to use the commission for funds to close is required. The condition is valid and remains open and cannot be cleared without the requested documentation. Seller Comment (2025-12-19): [Redacted] [Redacted]: This is not a guideline requirement, and this information is already confirmed by the CD. This would essentially just be an LOX from the borrower saying they used their commissions for funds to close. Agent credits in general are are not required to be included in the purchase contract. The compensation itself is listed on the purchase contract, they then applied it to their funds to close. Reviewer Comment (2025-12-17): Verification from the Realty company confirming the commission was used for funds to close is required to exclude from the interested party concessions. Condition is valid and remains open Seller Comment (2025-12-17): [Redacted] [Redacted]: The CD shows this was applied to the borrower's funds to close. There is no interested party here, it is the borrower using their own money. Reviewer Comment (2025-12-16): The file does not contain verification from the Real Estate company/Realtor confirming the commission was used for funds to close. As-is, it is considered an interested party concession. Condition is valid and remains open Seller Comment (2025-12-15): [Redacted] [Redacted]: The borrower is the realtor, the credit is their commission that they are applying towards the loan. This is not considered an IPC due to this coming from the borrower, not an interested party. |
02/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 9915509 | [Redact] | [Redact] | 34967857 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-01-26): Waived on Rate Lock: Collateral cleared by Custodian |
01/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9915509 | [Redact] | [Redact] | 35388259 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 01/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 9915509 | [Redact] | [Redact] | 35388263 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) not provided. | Reviewer Comment (2026-02-24): Additional clarification provided by the seller and client. The guideline requirement is for an EIN or a TIN. The LLC is a single-member LLC and an EIN is not required. Seller Comment (2026-01-21): [Redacted]: Please note that [Redacted] has previously confirmed with the investor and our credit policy team that for single-member LLCs, a TIN or SSN is considered equivalent to the EIN. Any of these would be sufficient to meet the listed requirement, so we would be okay to proceed closing in an LLC using the borrower's SSN in lieu of the EIN. Reviewer Comment (2026-01-14): Employer Identification Number (EIN) documentation for the " [Redacted]" is required to be included in the loan file. Exception Remains. Seller Comment (2026-01-14): [Redacted]: The borrower uses their SSN in place of an EIN |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 9915515 | [Redact] | [Redact] | 34967859 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-01-23): Waived on Rate Lock: Collateral cleared by Custodian |
01/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9915515 | [Redact] | [Redact] | 35451952 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 01/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 9915515 | [Redact] | [Redact] | 35451976 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) not provided. | Reviewer Comment (2026-02-24): Additional clarification provided by the seller and client. The guideline requirement is for an EIN or a TIN. The LLC is a single-member LLC and an EIN is not required. Reviewer Comment (2026-02-02): Based on the guidelines for the business entity 'Tax Identification Number (EIN)' is required. Please provide the Employer Identification Number (EIN). Exception Remains. Seller Comment (2026-02-02): [Redacted] [Redacted]: [Redacted] has confirmed with the Investor and our credit policy team that for single-member LLCs, a TIN or SSN is considered equivalent to the EIN. Any of these would be sufficient to meet the listed requirement. We are ok to proceed closing in an LLC using the borrower's SSN. Seller Comment (2026-01-16): [Redacted] [Redacted]: [Redacted] has confirmed with the investor and our credit policy team that for single-member LLCs, a TIN or SSN is considered equivalent to the EIN. Any of these would be sufficient to meet the listed requirement. We are ok to proceed closing in an LLC using the borrower's SSN. |
02/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 9954490 | [Redact] | [Redact] | 35010377 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-01-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-01-15): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
01/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9956885 | [Redact] | [Redact] | 35021391 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-01-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-01-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
01/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 9956885 | [Redact] | [Redact] | 35365388 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | The calculated DSCR of [Redacted] is less than the guideline requirement of [Redacted]. The difference is due to the lender did not include the $[Redacted] per month HOA dues on the subject in the PITIA calculation, Note: the loan does not qualify to allow the DSCR of [Redacted] due to the borrower does not have the [Redacted] months additional reserves required for the DSCR of [Redacted]. The total reserves verified were $[Redacted] or [Redacted] months and [Redacted] months is required for the DSCR of [Redacted]. | Reviewer Comment (2026-01-23): Updated assets provided and the reserves were sufficient to allow the DSCR < [Redacted]. Seller Comment (2026-01-23): see attached 1008, bank statement, asset worksheet and income calc. borrower has 12 months reserves Seller Comment (2026-01-23): 1008 Seller Comment (2026-01-23): asset worksheet Seller Comment (2026-01-23): income worksheet |
01/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 9956885 | [Redact] | [Redact] | 35365651 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three [Redacted] business days of application or determination of first lien status. | Reviewer Comment (2026-01-09): Earlier disclosure provided Seller Comment (2026-01-09): appraisal |
01/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10045517 | [Redact] | [Redact] | 35230234 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian |
02/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10045517 | [Redact] | [Redact] | 35805457 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the title evidence in file. | 02/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10085468 | [Redact] | [Redact] | 35302692 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-27): Waived on Rate Lock: Collateral cleared by Custodian |
02/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10085468 | [Redact] | [Redact] | 35829628 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy amount is blank. Please provide Supplement Report reflecting policy amount. | 02/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10085468 | [Redact] | [Redact] | 35829812 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-17): Sufficient Cure Provided At Closing |
02/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10085468 | [Redact] | [Redact] | 35829813 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-17): Sufficient Cure Provided At Closing |
02/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10085468 | [Redact] | [Redact] | 35829814 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-17): Sufficient Cure Provided At Closing |
02/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10090301 | [Redact] | [Redact] | 35346446 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-13): collateral delivered [Redacted]via [Redacted] tracking [Redacted] |
02/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10090301 | [Redact] | [Redact] | 35769254 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-02-20): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted]is allowable under law. Reviewer Comment (2026-02-12): Elevated to the client for review. Seller Comment (2026-02-12): Please advise as this was cleared up on your end. Please see loans [Redacted] [Redacted], [Redacted] [Redacted], and [Redacted] [Redacted]. All of there has the same condition as this one and have been cleared on your site. |
02/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10090304 | [Redact] | [Redact] | 35346462 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-12): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
02/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10090304 | [Redact] | [Redact] | 35772161 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-02-20): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted]is allowable under law. Reviewer Comment (2026-02-12): Elevated to the client for review. Seller Comment (2026-02-12): Please advise as this was cleared up on your end. Please see loans [Redacted] [Redacted], [Redacted] [Redacted], and [Redacted] [Redacted]. All of there has the same condition as this one and have been cleared on your site. |
02/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10104177 | [Redact] | [Redact] | 35481426 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-19): Waived on Rate Lock: Collateral cleared by Custodian |
02/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10104177 | [Redact] | [Redact] | 35806424 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Verification appraisal was delivered to borrower was not provided. | 02/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10104550 | [Redact] | [Redact] | 35499217 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-10): Collateral delivered on [Redacted]via [Redacted] tracking number [Redacted]. |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10107475 | [Redact] | [Redact] | 35588044 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian |
02/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10107835 | [Redact] | [Redact] | 35602938 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-11): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
02/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10125917 | [Redact] | [Redact] | 35628779 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-06): Collateral delivered via [Redacted] tracking [Redacted] on [Redacted]. |
03/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10125917 | [Redact] | [Redact] | 36015270 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Upon further review, the zip code of [Redacted]disclosed on the flood cert, Note, Deed of Trust and Riders, and CD was incorrect. The correct zip code is [Redacted]. Provide a revised flood cert, Note, post-close CD, and Deed of Trust and all applicable riders, correcting the zip code. Also, an attestation is required verifying the Deed of Trust and all Riders will be re-recorded with the correct zip code. | Reviewer Comment (2026-03-18): Received and associated corrected flood certificate. Exception Cleared. Seller Comment (2026-03-17): Please see attached flood cert. |
03/18/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10125917 | [Redact] | [Redact] | 36015273 | Credit | System | General | System | Closing Disclosure Subject Address does not match Note address. | - | Upon further review, the zip code of [Redacted] disclosed on the flood cert, Note, Deed of Trust and Riders, and CD was incorrect. The correct zip code is [Redacted]. Provide a revised flood cert, Note, post-close CD, and Deed of Trust and all applicable riders, correcting the zip code. Also, an attestation is required verifying the Deed of Trust and all Riders will be re-recorded with the correct zip code. | Reviewer Comment (2026-03-19): Received and associated Corrected note. Exception Cleared Seller Comment (2026-03-19): Please see attached PCCD. |
03/19/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10125917 | [Redact] | [Redact] | 36015275 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Zip code is blank. | Upon further review, the zip code of [Redacted] disclosed on the flood cert, Note, Deed of Trust and Riders, and CD was incorrect. The correct zip code is [Redacted]. Provide a revised flood cert, Note, post-close CD, and Deed of Trust and all applicable riders, correcting the zip code. Also, an attestation is required verifying the Deed of Trust and all Riders will be re-recorded with the correct zip code. | Reviewer Comment (2026-03-20): Received revised flood cert, Note, post-close CD, and Deed of Trust and all applicable riders. Exception cleared. Seller Comment (2026-03-19): Please see attached corrected Note, Mortage/riders and letter of intent to re-record. Seller Comment (2026-03-19): letter Seller Comment (2026-03-19): Mortgage correction |
03/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10125917 | [Redact] | [Redact] | 36083729 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Reviewer Comment (2026-04-06): Client requested the condition be cleared. The revised documentation was received by the collateral team. Seller Comment (2026-03-24): Collateral delivered via [Redacted] tracking number [Redacted] on [Redacted]. |
04/06/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10125920 | [Redact] | [Redact] | 35629103 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-19): Waived on Rate Lock: Collateral cleared by Custodian |
02/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10139383 | [Redact] | [Redact] | 35636063 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-16): Waived on Rate Lock: Collateral cleared by Custodian |
02/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10146820 | [Redact] | [Redact] | 35692936 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-19): Waived on Rate Lock: Collateral cleared by Custodian |
02/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10146820 | [Redact] | [Redact] | 35790357 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-02-17): Received and associated Desk Review. Exception cleared. Seller Comment (2026-02-17): [Redacted] [Redacted]: Please see attached secondary valuation. |
02/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10146820 | [Redact] | [Redact] | 35790378 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-11): Sufficient Cure Provided At Closing |
02/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | A | A | A | A | A | D | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10148131 | [Redact] | [Redact] | 35704044 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-02-19): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
02/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10149325 | [Redact] | [Redact] | 35714546 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-19): Waived on Rate Lock: Collateral cleared by Custodian |
02/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10155842 | [Redact] | [Redact] | 35796460 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-02-27): Waived on Rate Lock: Collateral cleared by Custodian |
02/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10155873 | [Redact] | [Redact] | 35797173 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-06): (Rate Lock) [Redacted] |
04/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10106403 | [Redact] | 35828369 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | Reviewer Comment (2026-03-11): Post-disaster inspection provided. Buyer Comment (2026-03-11): BPO attached |
03/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106429 | [Redact] | 35928676 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Address: [Redacted] | Hazard Insurance Document was missing in the file. | Reviewer Comment (2026-03-13): HOI provided |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106429 | [Redact] | 35928677 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Address: [Redacted] | Hazard Insurance Document was missing in the file. | Reviewer Comment (2026-03-13): HOI provided Reviewer Comment (2026-03-04): Provided hazard insurance policy effective date is [Redacted] which is after the note date [Redacted]. Please provide the Hazard insurance policy within the note date. Exception Remains. Seller Comment (2026-03-03): Flood Insurance |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106429 | [Redact] | 35928678 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Address: [Redacted] | Hazard Insurance Document was missing in the file. | Reviewer Comment (2026-03-13): HOI provided Reviewer Comment (2026-03-04): Provided hazard insurance policy effective date is [Redacted] which is after the note date [Redacted]. Please provide the Hazard insurance policy within the note date. Exception Remains. Seller Comment (2026-03-03): Insurance |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106429 | [Redact] | 35928692 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing protection letter was missing in the file. | Reviewer Comment (2026-03-04): Received and associated Closing Protection Letter. Exception cleared. Seller Comment (2026-03-03): CPL |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106434 | [Redact] | 35922429 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | Reviewer Comment (2026-03-19): Received HUD for C/O on additional REO properties. Exception cleared. Seller Comment (2026-03-18): See three Hud's again for reference + Liquidity analysis showing the workings to show sufficient liquidity. Should clear everything. Please let us know if you have any questions. Reviewer Comment (2026-03-12): Received HUD for C/O on additional REO properties. Gave credit for [Redacted] for C/O, however, the borrower is still short reserves. They now have [Redacted] months while [Redacted] months is required. Condition remains. Seller Comment (2026-03-11): documents |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106524 | [Redact] | 35860965 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted] | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DSCR on the loan is greater than the guideline minimum. |
Reserves: [Redacted] The DSCR of [Redacted] is greater than the minimum required DSCR of [Redacted]. |
[Redact],Aggregator Aggregator |
Reviewer Comment (2026-04-07): Client elected to waive the condition with compensating factors. Reviewer Comment (2026-04-07): Waived in error Reviewer Comment (2026-03-17): Client elects to waive. Proof of no claims submitted. Reviewer Comment (2026-03-13): Received an email however HOI policy is not provided within the note date [Redacted]. Exception Remains. Seller Comment (2026-03-12): Document Reviewer Comment (2026-03-03): Required Hazard Insurance Policy effective [Redacted]. For wet funding states, the policy must have an effective date on or prior to the closing/note date. Exception Remains Seller Comment (2026-03-02): Insurance |
04/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10106524 | [Redact] | 35861084 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Reviewer Comment (2026-03-03): Received and associated Title Preliminary. Exception cleared. Seller Comment (2026-03-02): Title |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10106543 | [Redact] | 35873235 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Reviewer Comment (2026-03-03): Received and associated Title Preliminary. Exception cleared. Seller Comment (2026-03-02): Title |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10106581 | [Redact] | 35868273 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal. | - | The Desk Review or Field Review effective date does not match the Appraisals effective date | Reviewer Comment (2026-03-12): Updated Desk Review completed. Exception cleared. Seller Comment (2026-03-11): Document |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | C | A | C | A | C | A | N/A | No | ||||||||||||||
| [Redact] | 10106581 | [Redact] | 35919192 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-03-03): Seller provided confirmation the project is non-warrantable. Reviewer Comment (2026-03-03): We have received the same set of documents that were previously included in the file. Please Provide All multi property (subject property) Condo warrantable/Project Approval. Exception Remains. Seller Comment (2026-03-02): Condo questionnaire attached |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | C | A | C | A | C | A | N/A | No | ||||||||||||||||
| [Redact] | 10106581 | [Redact] | 36165520 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Upon further review, the file is missing a copy of the purchase agreement that identifies the sales price for each property. The doc in file provides the gross sales price of $[Redacted] only. Note: the allocated loan amount for each property was also not located in the file. | Reviewer Comment (2026-03-31): Addendum to contract verifying the allocated loan amount and purchase price for each property was provided Seller Comment (2026-03-31): Purchase Price Allocation uploaded. Please clear. Reviewer Comment (2026-03-31): The breakdown of the sales price per property was not in file nor received as a trailing doc. Addendum [Redacted] referenced in the rebuttal identifies the total purchase price; however unable to verify the sales price per property or the allocated loan amount for each property. Condition remains Seller Comment (2026-03-30): Please reference the Exhibit A within the PSA [Redacted] Addendum. Reviewer Comment (2026-03-30): Received assignment of purchase and sale agreement however document does not show the purchase price along with each property addresses. The allocated loan amount for each property was also not located in the file. Please provide a copy of the purchase agreement that identifies the sales price for each property. Exception Remains. Seller Comment (2026-03-28): Uploaded PSAs, Addendum & Exhibit. Reference the Exhibit A within the PSA [Redacted] Addendum representing each loan closed purchase price for the subject properties. |
03/31/2026 | No | 1 | A | A | A | A | A | Investment | Purchase | C | A | C | A | C | A | N/A | No | ||||||||||||||||||||
| [Redact] | 10106609 | [Redact] | 35829388 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing the credit application | Reviewer Comment (2026-03-13): Credit application provided |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106609 | [Redact] | 35829389 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing protection was not provided | Reviewer Comment (2026-03-13): CPL provided |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106610 | [Redact] | 35830405 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing the credit application. | Reviewer Comment (2026-03-13): Credit application provided |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106610 | [Redact] | 35830408 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter is Missing in the file. | Reviewer Comment (2026-03-13): CPL provided |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106610 | [Redact] | 35830437 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 02/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106613 | [Redact] | 35829931 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing a copy of the credit application. | Reviewer Comment (2026-03-16): Received and associated Final 1003. Exception cleared. Seller Comment (2026-03-12): loan app |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106613 | [Redact] | 35835319 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Upon further review, the file is missing a copy of the Closing Protection Letter. | Reviewer Comment (2026-03-16): Received and associated Closing Protection Letter. Exception cleared. Seller Comment (2026-03-12): CPL |
03/16/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| [Redact] | 10106613 | [Redact] | 35835320 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Upon further review, the file is missing the tax cert or other documentation to verify the $[Redacted] per month taxes used to qualify. | Reviewer Comment (2026-04-13): Tax cert provided; taxes were higher than used to qualify. but DSCR met guideline requirements. Seller Comment (2026-04-09): As stated the lender overestimated taxes using Mill Rate x Appraised value. The uploaded documentation is estimated tax rate calculator used in this calculation. This should clear. Reviewer Comment (2026-04-09): Please provide the Tax calculation sheet which lender used for qualification verifying $ [Redacted]monthly. Exception Remains. Seller Comment (2026-04-08): Correspondent Lender overestimated the taxes by taking the appraised value x [Redacted] rate since this was a new construction. Don't see an issue here. Reviewer Comment (2026-03-19): Please provide lender Tax Calculation Worksheet to support monthly taxes of $ [Redacted]. Reviewer Comment (2026-03-16): Tax amount verified $ [Redacted]. However lender qualified tax is $ [Redacted]. Please provide the tax certificate for the remaining amount $ [Redacted]. Exception Remains. Seller Comment (2026-03-12): tax cert |
04/13/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| [Redact] | 10106614 | [Redact] | 35827292 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing the credit application. | Reviewer Comment (2026-03-16): Received and associated 1003 Final. Exception cleared. |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106615 | [Redact] | 35830711 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing a copy of the credit application. | Reviewer Comment (2026-03-16): Received and associated 1003 Final. Exception cleared. |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106615 | [Redact] | 35831054 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing protection letter was not provided | Reviewer Comment (2026-03-16): Received and associated Closing Protection Letter. Exception Cleared. |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106616 | [Redact] | 35827045 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing a copy of the credit application. | Reviewer Comment (2026-03-16): Received and associated 1003 Final. Exception cleared. |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106616 | [Redact] | 35835321 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Upon further review, the file is missing a copy of the Closing Protection Letter. | Reviewer Comment (2026-03-16): Received and associated Closing Protection Letter. Exception Cleared. |
03/16/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| [Redact] | 10106617 | [Redact] | 35827525 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing protection document is missing in the file. | Reviewer Comment (2026-03-16): Received and associated Closing Protection Letter. Exception Cleared. |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | C | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106617 | [Redact] | 35827537 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing a copy of the credit application. | Reviewer Comment (2026-03-16): Received and associated 1003 Final. Exception cleared. |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | C | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106617 | [Redact] | 35827581 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-02-26): Received and associated CDA. Exception cleared. Seller Comment (2026-02-26): Secondary Uploaded. |
02/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | C | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106618 | [Redact] | 35831496 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing the credit application. | Reviewer Comment (2026-03-12): Received Seller Comment (2026-03-12): Loan application |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106618 | [Redact] | 35831497 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-03-12): Received Seller Comment (2026-03-12): Flood cert |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106618 | [Redact] | 35835307 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | The file is missing the tax cert or other documentation to verify the $[Redacted] per month taxes used to qualify. | Reviewer Comment (2026-04-13): Tax cert provided verified higher taxes than initially used to qualify. Seller Comment (2026-04-09): Please see the uploaded tax search from the county which was the basis for the tax calculation and the overestimated amount. Taking the total [Redacted] taxes/12 gets you to approximately the ~ [Redacted]a month which was used by the lender here. This should clear up any doubt. Thank you Reviewer Comment (2026-04-09): Please provide the Tax calculation sheet which lender used for qualification verifying $ [Redacted]monthly. Exception Remains. Seller Comment (2026-04-08): Correspondent lender overestimated taxes by taking appraised value x mill rate since this was a new construction. Don't see an issue here. Reviewer Comment (2026-03-19): Please provide lender Tax Calculation Worksheet to support monthly taxes of $ [Redacted] Reviewer Comment (2026-03-16): Received same tax certificate which were available initially. Tax amount verified $ [Redacted]. However lender qualified tax is $ [Redacted]. Please provide the tax certificate for the remaining amount $ [Redacted]. Exception Remains. Seller Comment (2026-03-12): tax cert Reviewer Comment (2026-02-26): Verified County, City, School taxes amount annually of $ [Redacted]. monthly tax amount used for qualification is $ [Redacted]. We do not have evidence for the remaining monthly tax of $ [Redacted]. Please provide the Tax certificate for $ [Redacted]. Exception remains. Seller Comment (2026-02-26): Tax Cert Uploaded. |
04/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106619 | [Redact] | 35827119 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 02/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106619 | [Redact] | 35827122 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing the credit application. | Reviewer Comment (2026-03-16): Received and associated 1003 Final. Exception cleared. |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106619 | [Redact] | 35835323 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Upon further review, the file is missing a copy of the Closing Protection Letter. | Reviewer Comment (2026-03-16): Received and associated Closing Protection Letter. Exception Cleared. |
03/16/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| [Redact] | 10106625 | [Redact] | 35929280 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Deeds / Warranty / Grant / Quit-Claim is missing. | Reviewer Comment (2026-03-20): Received Deeds / Warranty / Grant / Quit-Claim. Exception cleared. Seller Comment (2026-03-20): Deed and guaranty uploaded Seller Comment (2026-03-20): providing all [Redacted]again Seller Comment (2026-03-20): providing all [Redacted] again Reviewer Comment (2026-03-18): Deed/Warranty/Grant/Quit-Claim is not provided. Exception Remains Seller Comment (2026-03-17): Uploaded Seller Comment (2026-03-17): Uploaded. Reviewer Comment (2026-03-12): Received the security instrument; however, the Deed/Warranty/Grant/Quit-Claim is still required. Exception Remains Seller Comment (2026-03-11): Document Reviewer Comment (2026-03-04): Deeds / Warranty / Grant / Quit-Claim is not received. Exception Remains Seller Comment (2026-03-03): Guaranty Seller Comment (2026-03-03): DOT |
03/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106625 | [Redact] | 35929283 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is not provided. | Reviewer Comment (2026-03-18): Received and associated Guarantor Agreement. Exception cleared. Seller Comment (2026-03-17): Uploaded |
03/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106625 | [Redact] | 35929295 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] | 02/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106628 | [Redact] | 35922336 | Credit | Guideline | Guideline Issue | Guideline | The borrower has Open Public Records/Collections/Charge Off accounts. | - Public Record type: ___; Account Status: ___ Public Record type: ___; Account Status: ___ Public Record type: ___; Account Status: ___ Public Record type: ___; Account Status: ___ |
Per guidelines, All outstanding combined liens, judgments, collections/charge-offs or other material liens > $[Redacted] against the borrowing entity and/ or the guarantor must be paid in full or in satisfactory status (evidence of being current on payment plan for a minimum of [Redacted] months prior to close) subject to below: o Any liens attached to title must be paid prior to/at closing o All government liens (federal, state or local) must be resolved o Any judgments, liens, collections, or charge-o | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrower's Experience/Track Record The qualifying DSCR on the loan is greater than the guideline minimum. The representative FICO score exceeds the guideline minimum by XX points. |
Client elects to waive with compensating factors: $[Redacted]net worth and $[Redacted] liquidity Client elects to waive with compensating factors: experienced borrower with [Redacted]rentals Client elects to waive with compensating factors: [Redacted]DSCR Client elects to waive with compensating factors: [Redacted]MID FICO |
Originator,Aggregator,[Redact] Originator,Aggregator Originator,Aggregator Originator,Aggregator |
Reviewer Comment (2026-03-30): Client elects to waive with compensating factors. Reviewer Comment (2026-03-26): Elevated to the client for review; lender exception approval provided Seller Comment (2026-03-24): Exception uploaded. Escalate to [Redacted] if needed. Reviewer Comment (2026-03-16): The required documents were not provided. Condition remains. Seller Comment (2026-03-12): Document |
03/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| [Redact] | 10106628 | [Redact] | 35922370 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage amount is insufficient by $[Redacted]. | Reviewer Comment (2026-04-10): RCE provided. Exception cleared. Seller Comment (2026-04-09): RCE Uploaded to clear. Reviewer Comment (2026-03-20): In Loss Settlement Method section does not specify the replacement cost coverage amount or percentage (%). Provide updated policy reflecting minimum coverage of $ [Redacted]or provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception Remains. Seller Comment (2026-03-20): [Redacted] On Dec Page, under Dwelling Coverage, Loss Valuation is listed as "Replacement Cost" |
04/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106628 | [Redact] | 35934828 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | The taxes used by the lender to qualify were greater than the taxes verified on the tax bill in file. Provide a tax cert or other documentation verifying the tax amount used by the lender to qualify of $[Redacted] per month. | Reviewer Comment (2026-03-19): Received and associated Tax Certificate. Exception Cleared Seller Comment (2026-03-19): Tax Workbook Calc Uploaded. Reviewer Comment (2026-03-04): Received the Tax Certificate showing a quarterly amount of $ [Redacted]. However, the final HUD reflects property taxes of $ [Redacted]per month. Please provide a corrected HUD or supporting documentation to verify the monthly tax amount of $ [Redacted]. Exception Remains Seller Comment (2026-03-03): Tax cert uploaded |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106628 | [Redact] | 36155257 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Upon further review, the file is missing a copy of the fully executed purchase agreement. | Reviewer Comment (2026-03-30): Received and associated Purchase Agreement. Exception cleared. Seller Comment (2026-03-27): uploaded |
03/30/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| [Redact] | 10106628 | [Redact] | 36155338 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Upon further review, per the guidelines, the max LTV for a purchase with a representative FICO score between [Redacted] is [Redacted]%. | Borrower's Experience/Track Record Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DSCR on the loan is greater than the guideline minimum. The representative FICO score exceeds the guideline minimum by XX points. |
Client elects to waive with compensating factors: experienced borrower with [Redacted]rentals Client elects to waive with compensating factors: $[Redacted]net worth and $[Redacted] liquidity Client elects to waive with compensating factors: [Redacted]DSCR Client elects to waive with compensating factors: [Redacted]MID FICO |
Originator,Aggregator Originator,Aggregator,[Redact] Originator,Aggregator Originator,Aggregator |
Reviewer Comment (2026-03-30): Client elects to waive with compensating factors. Seller Comment (2026-03-27): uploaded exception Seller Comment (2026-03-27): uploaded |
03/30/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106629 | [Redact] | 35924712 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash from Borrower $[Redacted]. | Reviewer Comment (2026-03-19): Received and associated Bank statant. Exception cleared. Seller Comment (2026-03-19): Exception should be cleared, uploaded liquidity memo, including an enlarged image of the [Redacted] statement and bank statement activity history representing $[Redacted] balance as of [Redacted]. Reviewer Comment (2026-03-13): Received same bank statements and the activity statement provided for account #[Redacted] doesn't show the balance and its not legible. Please provide additional bank statement to meet the asset requirement. Exception Remains. Seller Comment (2026-03-12): Document |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106629 | [Redact] | 35924753 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | Reviewer Comment (2026-03-19): Received and associated Bank statant. Exception cleared. Seller Comment (2026-03-19): Exception should be cleared, uploaded liquidity memo, including an enlarged image of the [Redacted] statement and bank statement activity history representing $[Redacted] balance as of [Redacted]. |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106629 | [Redact] | 35935329 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | The taxes used by the lender to qualify were greater than the taxes verified on the tax bill in file. Provide a tax cert or other documentation verifying the tax amount used by the lender to qualify of $[Redacted] per month. | Reviewer Comment (2026-03-19): Received and associated Tax Certificate. Exception Cleared Seller Comment (2026-03-19): Tax workbook calc uploaded Reviewer Comment (2026-03-05): Received Tax Information annually showing $[Redacted]. However qualified annual tax is $[Redacted]. Please provide the tax certificate for the remaining tax amount. Exception Remains. Seller Comment (2026-03-03): Tax Cert |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106666 | [Redact] | 35926121 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing a copy of the Credit Application. | Reviewer Comment (2026-03-19): Received and associated Credit Application. Exception cleared. Seller Comment (2026-03-18): This requirement is a Consumer based requirement for consumer mortgage loans. We do not have 1003s. We have Business Purpose Loan Applications. Since we are not a consumer lender, the rules of TRID/RESPA do not apply which is where the rule you are citing is coming from. Furthermore, all other business purpose loan applications we have submitted to date have been cleared and this one is no different. Please waive and speak with the Buyer. Reviewer Comment (2026-03-12): Final 1003 or credit application required on the consummation date. Exception remains. Seller Comment (2026-03-11): Loan Application |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106666 | [Redact] | 35926122 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The file is missing a copy of the Corporate Resolution. | Reviewer Comment (2026-03-19): Received and associated operating agreement. Exception cleared. Seller Comment (2026-03-18): Resolution |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106666 | [Redact] | 35926127 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file is missing a copy of the Operating Agreement. | Reviewer Comment (2026-03-12): Received Seller Comment (2026-03-12): OA attached |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106667 | [Redact] | 35930176 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file was missing a copy of the 1003 Final. | Reviewer Comment (2026-03-19): Received and associated Credit Application. Exception cleared. Seller Comment (2026-03-18): This requirement is a Consumer based requirement for consumer mortgage loans. We do not have 1003s. We have Business Purpose Loan Applications. Since we are not a consumer lender, the rules of TRID/RESPA do not apply which is where the rule you are citing is coming from. Furthermore, all other business purpose loan applications we have submitted to date have been cleared and this one is no different. Please waive and speak with the Buyer. Reviewer Comment (2026-03-12): Final 1003 or credit application required on the consummation date. Exception remains. Seller Comment (2026-03-11): Loan Application Attached |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106667 | [Redact] | 35930177 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file was missing a copy of the Business Purpose Certificate. | Reviewer Comment (2026-03-12): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-03-12): business purpose cert |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106667 | [Redact] | 35930464 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Flood Insurance was not provided; property is in a flood zone area. | Reviewer Comment (2026-03-12): Received. Seller Comment (2026-03-12): Flood cert Seller Comment (2026-03-12): Flood policy |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106686 | [Redact] | 35930236 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | The file was missing a copy of the Purchase Agreement / Sales Contract. | Reviewer Comment (2026-03-12): Received and associated Purchase Agreement / Sales Contract. Exception cleared. Seller Comment (2026-03-12): Contract |
03/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106686 | [Redact] | 35934245 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Missing Tax Cert to verify monthly taxes reflected on Final HUD. Please provide lender Tax Calculation Worksheet. | Reviewer Comment (2026-04-15): Documentation provided by the lender to identify the tax amount used to qualify. Note: the tax amount identified by the seller is less than the taxes identified on the Note and HUD, Seller Comment (2026-04-14): Tax memo and supporting documents uploaded. Seller Comment (2026-04-13): "Provided tax cert shows lower tax then lender used to qualify" We provided tax calculation methodology, per discussion with [Redacted] this should be satisfactory. Escalating to them for review. Reviewer Comment (2026-04-13): The tax amount used for qualification on HUD and Note is $ [Redacted]monthly. Provided tax calculation $ [Redacted]is lower than the lender used tax $ [Redacted]for qualification. Please provide the Tax calculation sheet lender used to qualify. Exception Remains. Seller Comment (2026-04-09): Tax calculation was provided in comment above, is this not satisfactory? Reviewer Comment (2026-04-09): Provided tax certificate shows lower tax than lender used to qualify. Please provide the Tax calculation sheet lender used to qualify. Exception Remains. Seller Comment (2026-04-08): Correspondent lender tax calc reads as following: [Redacted](appraised value) x [Redacted](mill rate) = [Redacted]. Mill rate used uploaded as well. Please clear. |
04/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106686 | [Redact] | 35937855 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Reviewer Comment (2026-03-12): Received and associated Closing Protection Letter. Exception cleared. Seller Comment (2026-03-12): CPL attached |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106785 | [Redact] | 35922995 | Credit | Missing Document | General | Missing Document | Missing Document: Condo/PUD Warranty not provided | The file is missing documentation confirming the condo project is warrantable for both properties. | Reviewer Comment (2026-03-03): Seller provided confirmation the project is non-warrantable. |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106843 | [Redact] | 35927656 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Limited Partnership Agreement not provided | Limited Partnership Agreement not provided. | Reviewer Comment (2026-03-04): Received and associated Limited Partnership Agreement. Exception cleared. Seller Comment (2026-03-03): Limited partnership agreement uploaded |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106843 | [Redact] | 35936380 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | The taxes used by the lender to qualify were greater than the taxes verified on the tax bill in file. Provide a tax cert or other documentation verifying the tax amount used by the lender to qualify of $[Redacted] per month. | Reviewer Comment (2026-03-04): Received the associated Tax Certificate showing an annual amount of $ [Redacted], which includes all four properties. Exception Cleared Seller Comment (2026-03-03): Tax Certs uploaded |
03/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10106866 | [Redact] | 35892912 | Property | Collateral | General | Collateral | Appraiser has disciplinary action with an end date within a year of appraisal effective date. | - Valuation Effective Date: ___ ___ from: ___ to: ___ |
Appraiser has disciplinary action with a start date within a year of appraisal effective date [Redacted]. | Reviewer Comment (2026-04-20): Client elected to waive the condition Reviewer Comment (2026-03-20): Client to review seller comment and advise of possible exception to waive with compensating factors. Seller Comment (2026-03-19): Escalate to [Redacted] to clear based on above exception Seller Comment (2026-03-19): For this report, the appraiser's suspension was handed down AFTER the appraisal had already been completed. This appraisal effective date is [Redacted] and the appraiser had his yearlong license revocation start effectively on [Redacted]/[Redacted]. There was nothing prior to the appraisal order or prior to funding that suggested the appraiser's valuation was compromised or related to the disciplinary action. Also the ARR validated the appraisal as well as our internal review of the appraisal. Unfortunately, the appraiser was unavailable to our contact attempts for [Redacted] on the incident nor the [Redacted] have any additional insight other than the suspension. |
04/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | N/A | No | |||||||||||||
| [Redact] | 10106893 | [Redact] | 35828379 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing for [Redacted]. | Reviewer Comment (2026-03-17): Docs provided. Exception cleared. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | D | A | N/A | No | |||||||||||||
| [Redact] | 10106893 | [Redact] | 35828394 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [Redacted] | Appraisal is missing. | Reviewer Comment (2026-03-12): Appraisal received. Seller Comment (2026-03-12): CDA attached |
03/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106893 | [Redact] | 35831591 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Evidence of title is missing | Reviewer Comment (2026-03-19): Received Title Commitment. Exception Cleared. Seller Comment (2026-03-18): Uploaded. |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106893 | [Redact] | 35831594 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title Evidence is Missing. | Reviewer Comment (2026-03-19): Received Title Commitment. Exception Cleared. Seller Comment (2026-03-18): Uploaded. |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106893 | [Redact] | 35831600 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal was not provided | Reviewer Comment (2026-03-12): Received. |
03/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106893 | [Redact] | 35835315 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | The file is missing a copy of the Closing Protection Letter. | Reviewer Comment (2026-03-12): Received. Seller Comment (2026-03-12): CPL attached |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106893 | [Redact] | 35835316 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | The file is missing the tax cert or other documentation to verify the $[Redacted] per month taxes used to qualify. | Reviewer Comment (2026-04-09): Tax cert and lenders calc provided Reviewer Comment (2026-03-30): Provided Tax amount is not matching with the Note and HUD tax payments. Recently uploaded [Redacted] pages of incomplete note document ( [Redacted]) which is matching with the lender calculated tax payments therefore the complete Note was asked. Initially uploaded signed note ( [Redacted]) and HUD are not matching with the lender calculated tax payments. All the three documents HUD, Note, Tax Certificate need to show the same tax amount. Please provide the tax calculation to match the amount of $ [Redacted]with property address. Exception remains. Seller Comment (2026-03-27): These supporting files will be able to resolve. thanks Reviewer Comment (2026-03-27): The tax amount provided in the document does not match the amount shown on the HUD. Please provide an updated tax certificate or an updated HUD reflecting the lender-calculated annual tax amount of $ [Redacted]. Exception Remains Seller Comment (2026-03-27): Please clarify what you are asking. The exception was for the taxes. You are now asking for the Note? Reviewer Comment (2026-03-27): Note is provided with updated tax payments which is matching with the lenders tax calculation, however we have only [Redacted] pages of note document. Please provide the complete all the pages of the note to consider the updated tax payments. Exception Remains. Seller Comment (2026-03-26): Tax calc Seller Comment (2026-03-26): Letter of explanation Seller Comment (2026-03-26): Mill rate |
04/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | D | A | N/A | No | ||||||||||||||
| [Redact] | 10106894 | [Redact] | 35873127 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter not provided. | Reviewer Comment (2026-03-16): Received and associated Closing Protection Letter. Exception Cleared. |
03/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106894 | [Redact] | 35919603 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | The file is missing the fraud report for all guarantors. Only fraud report in file was for the LLC/Borrower | Reviewer Comment (2026-03-17): Received. Seller Comment (2026-03-17): Michael Tong Fraud report |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10106894 | [Redact] | 35920472 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | File does not contain documentation from lender/seller confirming the condo is warrantable. | Reviewer Comment (2026-03-03): Seller provided confirmation the project is non-warrantable. |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10106894 | [Redact] | 35920531 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Provide a tax cert or other documentation verifying the tax amount used by the lender to qualify of $[Redacted] per month. | Reviewer Comment (2026-03-19): Tax worksheet provided. |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106894 | [Redact] | 35949026 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file is missing the credit application for [Redacted] of the [Redacted] guarantors. File only contains the credit application for [Redacted]. | Reviewer Comment (2026-03-19): Received and associated credit application for [Redacted] guarantors. Exception Cleared. Seller Comment (2026-03-18): Uploaded. |
03/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106966 | [Redact] | 35892664 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
Reserves: [Redacted] Loan to Value: [Redacted]% |
[Redact],Aggregator [Redact] Aggregator,[Redact] |
Reviewer Comment (2026-03-31): Client elected to waive the condition with compensating factors. Reviewer Comment (2026-03-27): Elevated to the client for review Seller Comment (2026-03-27): Please refer to email from agent confirming no claims during this time period. Reviewer Comment (2026-03-25): Required Hazard Insurance Policy effective [Redacted]. The policy must have an effective date on or prior to the closing/note date [Redacted]. Exception remains Seller Comment (2026-03-24): Uploaded. Should clear. If not let us know why. Thanks |
03/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | A | A | N/A | No | ||||||||||
| [Redact] | 10106996 | [Redact] | 35868044 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-20): Received Updated Hazard Insurance Policy. Exception cleared. Seller Comment (2026-03-20): RCE Uploaded, [Redacted] separate EOIs aggregate coverage exceeds RCE . Reuploaded [Redacted] EOIs [Redacted] & RCE |
03/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10106996 | [Redact] | 36155152 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Upon further review, the taxes used by the lender to qualify were greater than the taxes verified on the tax bill in file. Provide a tax cert or other documentation verifying the tax amount used by the lender to qualify of $[Redacted] per month. | Reviewer Comment (2026-03-27): Received and associated Tax Certificate. Exception Cleared Seller Comment (2026-03-27): uploaded |
03/27/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| [Redact] | 10107007 | [Redact] | 35890779 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Copy of Closing Protection Letter is not available in file. | Reviewer Comment (2026-03-12): Received and associated Closing Protection Letter. Exception cleared. Seller Comment (2026-03-12): Document |
03/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10107007 | [Redact] | 35890783 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Tax certificate is missing from file. Lender to provide tax certificate supporting value used to qualify. | Reviewer Comment (2026-03-17): Received and associated Tax Certificate. Exception cleared. Seller Comment (2026-03-17): Uploaded. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10107007 | [Redact] | 35890791 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Copy of Flood Certificate is not available in file. | Reviewer Comment (2026-03-17): Received and associated Flood Certificate. Exception cleared. Seller Comment (2026-03-17): Uploaded. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10107007 | [Redact] | 35890827 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-03-17): Received and associated Title Final. Exception cleared. Seller Comment (2026-03-17): Uploaded. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10107007 | [Redact] | 35890843 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | The file was missing a copy of the final title policy. | Reviewer Comment (2026-03-17): Received and associated Title Final. Exception cleared. Seller Comment (2026-03-17): Uploaded. |
03/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10107017 | [Redact] | 35867625 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/CD not provided. Estimated Settlement Statement in file was not executed and contains a PAD for Misc. Fees. | Reviewer Comment (2026-03-27): Executed closing statement provided Seller Comment (2026-03-26): Executed HUD signed. Should be no issues now. Please clear. Seller Comment (2026-03-25): uploaded Reviewer Comment (2026-03-23): Agree the final settlement statement is not required to be executed, but the Estimated Settlement Statement is not executed either. Either the final settlement statement or the estimated settlement statement must be executed. Condition is valid and remains open Seller Comment (2026-03-23): In CA final HUDs are not signed Reviewer Comment (2026-03-18): The received closing statement is not executed. However, please provide the executed closing statement. Exception Remains Seller Comment (2026-03-17): Final HUD. Reviewer Comment (2026-03-16): Trailing docs did not contain required documents to clear. Exception remains. Reviewer Comment (2026-03-05): An additional copy of the same Estimated Settlement Statement was provided. The settlement statement is not executed and contains a PAD for miscellaneous charges. A copy of the final settlement statement is required. Condition remains Seller Comment (2026-03-04): HUD |
03/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10107017 | [Redact] | 35867631 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | The file is missing a copy of Title Preliminary. | Reviewer Comment (2026-03-03): Received and associated Title Preliminary. Exception cleared. Seller Comment (2026-03-02): Title |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10107017 | [Redact] | 35915876 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement not provided. | Reviewer Comment (2026-03-03): Received and associated Operating Agreement. Exception cleared. Seller Comment (2026-03-02): Operating Agreement |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10107017 | [Redact] | 35915904 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided. | Reviewer Comment (2026-03-03): Received and associated Operating Agreement. Exception cleared. Seller Comment (2026-03-02): Operating Agreement |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10107023 | [Redact] | 35852293 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Per the guidelines, the minimum loan amount is $[Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Reserves: [Redacted] | [Redact],Originator,Aggregator [Redact] |
Reviewer Comment (2026-03-30): Client elected to waive the condition with compensating factors Reviewer Comment (2026-03-16): Client to review. Note loan amount of $ [Redacted]is less than Guideline minimum loan amount of $ [Redacted]. Client to advise on lender exception request. Seller Comment (2026-03-16): Please escalate to [Redacted] for exception. [Redacted] internal exception for small balance loan. |
03/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| [Redact] | 10107023 | [Redact] | 35940882 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Per the guidelines, the max LTV for a Purchase with a representative FICO score between [Redacted] is [Redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Reserves: [Redacted] | [Redact],Originator,Aggregator [Redact] |
Reviewer Comment (2026-03-30): Client elected to waive the condition with compensating factors Seller Comment (2026-03-24): Flipping to [Redacted] to review Reviewer Comment (2026-03-24): Received exception form for LTV. Please provide the exception approval in the [Redacted] exception form. Exception Remains. Seller Comment (2026-03-23): exception approved by [Redacted] Reviewer Comment (2026-03-17): Per the guideline, purchase transactions are limited to a maximum LTV of [Redacted]%. Exception Remains. Seller Comment (2026-03-17): Exception should be cleared based on [Redacted]% LTV allowable for purchases with > [Redacted]FICO and > [Redacted]DSCR |
03/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| [Redact] | 10107023 | [Redact] | 35940883 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | - | The file is missing documentation from the seller confirming the condo is warrantable. Note: the HOA questionnaire in file from the HOA is not acceptable. | Reviewer Comment (2026-03-03): Seller provided confirmation the project is non-warrantable. |
03/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10156763 | [Redact] | [Redact] | 35808994 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-06): (Rate Lock) [Redacted] |
03/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10158202 | [Redact] | [Redact] | 35830490 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-17): Waived on Rate Lock: Collateral cleared by Custodian |
03/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 35834381 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-18): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. |
03/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 36072633 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | The file was missing a copy of the Lease Agreement. | Reviewer Comment (2026-03-24): Per the guideline for purchase transaction 'The lesser of the market rent from the Single-Family Comparable Rent Schedule (Form 1007/1000) / Small Residential Income Property Appraisal Report (1025/72) or the current (active) lease agreement will be used to determine the monthly rent. We have 1025 showing rental amount. Exception cleared. Seller Comment (2026-03-23): Please see attached from UW management regarding the appraisal. Reviewer Comment (2026-03-19): The 1025 indicates the property is tenant-occupied and the DSCR worksheet reflects $ [Redacted]rent for each of the two units. However, supporting documentation is required to verify the $ [Redacted]rent amount. Exception Remains Seller Comment (2026-03-19): The underwriter used the current lease information from the appraisal and used the most conservative and correct approach per the product guidelines by using the lesser current rent for each of the subject property units vs the higher market rent. Please refer to the attached appraisal and DSCR worksheets from the file. Seller Comment (2026-03-19): appraisal |
03/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 36072655 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | The file is missing a copy of the Closing Protection Letter. | Reviewer Comment (2026-03-30): Received and associated Closing Protection Letter. Exception cleared. Seller Comment (2026-03-27): Please see attached signed CPL. Reviewer Comment (2026-03-18): Received Closing Protection Letter is not executed. Required executed Closing Protection Letter. Exception Remains. Seller Comment (2026-03-18): CPL attached. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 36072660 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Insurance address does not match with Note address. | Reviewer Comment (2026-04-02): Received updated Note Seller Comment (2026-04-01): Please see attached Note. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 36072663 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Certificate Subject Address does not match with Note address | Reviewer Comment (2026-04-02): Received updated Note Seller Comment (2026-04-01): Please see attached Note. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 36072665 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Valuation address does not match with Note address | Reviewer Comment (2026-04-02): Received updated Note Seller Comment (2026-04-01): Please see attached Note. |
04/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 36072728 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation | 03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 36072729 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation | 03/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 36100595 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Reviewer Comment (2026-04-08): Client requested condition to be cleared. Corrected collateral docs received. Seller Comment (2026-04-03): Collateral package with corrected Note and mortgage delivered on [Redacted] via [Redacted] tracking [Redacted] |
04/08/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 36215846 | Credit | System | General | System | Security Instrument address does not match Note address. | Please provide proof that the Security Instrument has been re-recorded with the updated address. | Reviewer Comment (2026-04-03): Revised DOT provided with letter from lender stating it will be re-recorded with the correct address. Seller Comment (2026-04-03): Please see attached mortgage correction and letter of intent to re-record. Seller Comment (2026-04-03): letter of intent to re-record |
04/03/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 36215849 | Credit | System | General | System | AUS/Approval Subject Address does not match Note address. | Reviewer Comment (2026-04-07): Received and associated Loan scorecard showing address which matches with the note. Exception cleared. Seller Comment (2026-04-06): Please see attached loan scorecard. |
04/07/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 36215854 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Reviewer Comment (2026-04-07): Revised CDA provided Seller Comment (2026-04-06): Please see attached CDA. |
04/07/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10159103 | [Redact] | [Redact] | 36215858 | Credit | System | General | System | Closing Disclosure Subject Address does not match Note address. | - | Reviewer Comment (2026-04-03): PCCD with the corrected property address provided Seller Comment (2026-04-03): Please see attached PCCD. |
04/03/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10159118 | [Redact] | [Redact] | 35834896 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10159118 | [Redact] | [Redact] | 36085065 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-05-13): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-05-12): [Redacted]: Please see the attached remediation with proof of delivery // |
05/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10159118 | [Redact] | [Redact] | 36085143 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provides a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-03-25): Received and associated replacement cost estimate. Exception Cleared. Seller Comment (2026-03-24): [Redacted] [Redacted] - [Redacted]: Page #[Redacted] of the attached document confirms an estimated replacement cost of $ [Redacted]. The dwelling coverage totaling $ [Redacted]is sufficient. |
03/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10160377 | [Redact] | [Redact] | 35844599 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-14): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10179052 | [Redact] | [Redact] | 35922584 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-13): Waived on Rate Lock: Collateral cleared by Custodian |
03/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10179052 | [Redact] | [Redact] | 36008451 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien not provided. | Reviewer Comment (2026-03-12): Received and associated Security Instrument - Subject Lien. Exception cleared. Seller Comment (2026-03-12): Please see attached executed [Redacted] |
03/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10179052 | [Redact] | [Redact] | 36008638 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted]based on the Commitment in file. | 03/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10179052 | [Redact] | [Redact] | 36009014 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 03/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10179052 | [Redact] | [Redact] | 36009015 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-03-10): Client elected to waive the condition on the Non-QM 1st lien |
03/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | D | B | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10179052 | [Redact] | [Redact] | 36013597 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence and as a second home. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. The HOEPA fees exceed the max by $[Redacted]. Missing proof of the undiscounted rate and price to test if any fees are bona fide. | Reviewer Comment (2026-05-06): Proof of the undiscounted rate and price provided verifying a portion of the discount points were bona fide. The loan passed the High-Cost testing. Seller Comment (2026-05-05): Please see attached Correspondent Discount Point disclosure, from [Redacted] Reflecting the par as [Redacted], therefore the buydown percentage is [Redacted]% which meets the investor requirement of [Redacted]% Reviewer Comment (2026-04-27): An additional copy of the CD issued [Redacted]/[Redacted] re-locking the rate at [Redacted]% was provided. As stated in the prior comments, based on the COC's in file, there appears to have been a revised CD issued on [Redacted]/[Redacted] that changed the rate from [Redacted]% to [Redacted]%. This CD was not in file and may affect the testing. Note: the difference between the undiscounted rate of [Redacted]% - the closing rate of [Redacted]% is [Redacted]%. There was no discount points required to obtain the undiscounted rate of [Redacted]%, therefore the rate reduction ratio per discount point is [Redacted]which does not meet the deal setting ration of [Redacted]%. As-is, the condition is valid and remains open Seller Comment (2026-04-24): [Redacted] [Redacted]: Please see the attached and advise what further is needed on this one so we can better assist // Reviewer Comment (2026-04-07): The rate sheet provided verified a par rate of [[Redacted]]%. This did not allow any of the discount points to be considered bona fide. Also, while reviewing the par rate and testing, there appears to be a missing CD and COC. The file contained a COC dated [Redacted] /[Redacted] that identified a re-locked rate from [Redacted]% to [Redacted]%. The CD in file issued [Redacted]/[Redacted] disclosed a rate of [Redacted]%, which was the final rate. The file also contained a COC issued [Redacted]/[Redacted], re-locking the rate from [Redacted]% to [Redacted]%. The missing CD may not affe[Redacted] the points and fees, but there is a gap in the testing due to a missing CD. Seller Comment (2026-04-06): [Redacted] : Please see the attached // Reviewer Comment (2026-03-13): The explanation provided will not clear this condition. Due to the discrepancy of Occupancy disclosed in the initial file, the loan failed High-Cost testing. The HOEPA Points and Fees exceed the [Redacted]% max by [Redacted]% or $ [Redacted]. Note: the full discount points were included in the testing since the file did not contain documentation to verify the undiscounted rate or undiscounted price to determine if any of the discount points were bona fide. Condition is valid and remains open Seller Comment (2026-03-13): [Redacted]/[Redacted] - [Redacted]: The lender questioned the intended occupancy of the borrower. It was determined that the file should be qualified with worst-case pricing and closed as an investment property. The borrower did not misrepresent their intended occupancy. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10179052 | [Redact] | [Redact] | 36030058 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | Per the letter of explanation from the borrower dated [Redacted], the subject is a 2nd home. The loan was submitted as an Investment Property. There are versions of the 1003 and Occupancy Cert in file supporting the 2nd home. Clarification of the occupancy is required. | Reviewer Comment (2026-03-13): Seller clarification provided Seller Comment (2026-03-13): [Redacted][Redacted] - [Redacted]: The lender questioned the intended occupancy of the borrower. It was determined that the file should be qualified with worst-case pricing and closed as an investment property. The borrower did not misrepresent their intended occupancy. |
03/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10179052 | [Redact] | [Redact] | 36408092 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 05/06/2026 | No | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | C | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||||||||
| [Redact] | 10194608 | [Redact] | [Redact] | 35948041 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-14): Per [Redacted] tracking [Redacted], the collateral was delivered on [Redacted] at [Redacted]. |
04/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10196659 | [Redact] | [Redact] | 35959067 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-14): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-13): Collateral delivered on [Redacted]via [Redacted] tracking number [Redacted] |
04/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10201295 | [Redact] | [Redact] | 35993550 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-03): Waived on Rate Lock: Collateral cleared by Custodian |
04/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10202610 | [Redact] | [Redact] | 36002669 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): collateral delivered [Redacted]Redacted] via [Redacted] tracking [Redacted] |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | A | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10202610 | [Redact] | [Redact] | 36554581 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | 442- Certificate of Completion was not found in file. | Reviewer Comment (2026-08-11): Client elected to accept the borrower photos and attestation confirming the repairs were made. Reviewer Comment (2026-08-11): Please provide the 442-completion report. Exception remains. Seller Comment (2026-08-10): Please advise if the buyer will accept the docs that were provided already. Reviewer Comment (2026-08-10): The comments on [Redacted] are valid and the condition remains. The borrower provided photos and attestation is not acceptable. A 442 from the appraiser identifying the repairs were completed is required and the only documentation to clear the condition, Seller Comment (2026-08-06): Please advise if the response from [Redacted] was from the buyer or not. Reviewer Comment (2026-08-06): The borrower provided photos and attestation is not acceptable. A 442 from the appraiser identifying the repairs were completed is required and the only documentation to clear the condition, Condition remains Seller Comment (2026-08-05): Please advise if there is an update from the buyer yet Reviewer Comment (2026-07-27): Appraisal was made subject to repairs - installation of electric plate covers. Final Inspection was not provided. Post Close Borrower Attestation with photos was provided in lieu of. Client to review. Seller Comment (2026-07-24): LOE Reviewer Comment (2026-07-22): Received LOE, please provide the. Appraisal is made with Subject to Repair, a completion report/final inspection 442 is required. Exception remains. Seller Comment (2026-07-21): attestation Reviewer Comment (2026-06-25): Appraisal is made with Subject To Repair, a completion report/final inspection 442 is required. Exception remains. Seller Comment (2026-06-24): Can you please advise why the pictures provided are not enough? The appraisal was made subject to the repairs and not subject to an inspection so nothing additional should be needed? Reviewer Comment (2026-06-02): Require to verify the confirmation of repair status. Please provide the completion report. Exception Remains. Seller Comment (2026-06-01): this is actually subject to repair and not subject to inspection so a 1004d is not required for this. Reviewer Comment (2026-05-27): Received [Redacted] photos. Please provide the complete 442- Certificate of Completion. Exception Remains. Seller Comment (2026-05-26): pics of repairs |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | A | A | A | A | C | A | N/A | No | ||||||||||
| [Redact] | 10206553 | [Redact] | [Redact] | 36042126 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-22): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-21): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10206553 | [Redact] | [Redact] | 36301505 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification that the appraisal was delivered to the borrower was not provided. | 04/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10215254 | [Redact] | [Redact] | 36092291 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-28): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10215952 | [Redact] | [Redact] | 36093848 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-16): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
04/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10215954 | [Redact] | [Redact] | 36093888 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217054 | [Redact] | [Redact] | 36102161 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-15): Waived on Rate Lock: Collateral cleared by Custodian |
04/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217052 | [Redact] | [Redact] | 36102243 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-27): (Rate Lock) [Redacted] |
03/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217189 | [Redact] | [Redact] | 36102493 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-03-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-03-25): (Rate Lock) [Redacted] |
03/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217189 | [Redact] | [Redact] | 36128587 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-03-30): Received and associated Flood Certificate. Exception cleared. Seller Comment (2026-03-27): Attached the Flood Certificate, Please Clear |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217189 | [Redact] | [Redact] | 36128589 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report was not provided in the file. | Reviewer Comment (2026-03-30): Received and associated Fraud Report. Exception cleared. Seller Comment (2026-03-27): Attached the Fraud Report, Please Clear. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10217189 | [Redact] | [Redact] | 36128590 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy not provided. | Reviewer Comment (2026-03-30): Received and associated Hazard Insurance Policy. Exception cleared. Seller Comment (2026-03-27): Attached the Hazard Insurance Policy, Please Clear. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10217189 | [Redact] | [Redact] | 36128591 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC not provided. | Reviewer Comment (2026-03-30): Received and associated Fraud Report. Exception cleared. Seller Comment (2026-03-27): Attached the OFAC , Please Clear. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10217189 | [Redact] | [Redact] | 36128593 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Evidence of title is missing. | Reviewer Comment (2026-03-30): Received and associated Title Commitment. Exception cleared. Seller Comment (2026-03-27): Attached the Title: Evidence, Please Clear. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10217189 | [Redact] | [Redact] | 36128594 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. | Missing Closing Protection Letter. | Reviewer Comment (2026-03-30): Received and associated Closing Protection Letter. Exception cleared. Seller Comment (2026-03-27): Attached the Missing Closing Protection Letter, Please Clear. |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10217189 | [Redact] | [Redact] | 36128612 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | The file was missing a copy of the final title policy. | Reviewer Comment (2026-03-30): Received and associated Title Commitment. Exception cleared. Seller Comment (2026-03-27): The Final Title is not Required at this stage. Provided the Prelim. On another exception. Please Cancel |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10217193 | [Redact] | [Redact] | 36102561 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10217193 | [Redact] | [Redact] | 36685101 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | The file was missing a copy of the Articles of Organization/Formation. | Reviewer Comment (2026-06-17): LLC documentation provided is sufficient to meet the guideline requirements. Seller Comment (2026-06-16): Michelle Orsini is the owner Reviewer Comment (2026-06-15): Received same Article of organization again. However, member name is not listed as ' [Redacted]', document shows ' [Redacted]'. Please provide the Articles of Organization/Formation including the ' [Redacted]'. Exception remains. Seller Comment (2026-06-12): Please see attached articles of formation Reviewer Comment (2026-06-12): Received Article of organization however member name is not listed as ' [Redacted]', document shows ' [Redacted]'. Please provide the Articles of Organization/Formation. Exception remains. Seller Comment (2026-06-11): ops doc |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10217193 | [Redact] | [Redact] | 36685102 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The file was missing a copy of the Certificate of Good Standing. | Reviewer Comment (2026-06-12): Received and associated Certificate of good standing. Exception cleared. Seller Comment (2026-06-11): ops docs |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10217193 | [Redact] | [Redact] | 36695740 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Verification of the borrower's ownership percentage with one of the following: Letter from CPA or licensed tax preparer (with PTIN), or Operating Agreement, or EIN verification letter issued by the IRS confirming the borrower as sole owner/member. | Reviewer Comment (2026-06-12): Received Operating Agreement. Exception cleared. Seller Comment (2026-06-11): docs |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10217722 | [Redact] | [Redact] | 36111969 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-01): (Rate Lock) [Redacted] |
04/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10219313 | [Redact] | [Redact] | 36118836 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-20): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-18): [Redacted] Tracking number [Redacted] delivered today [Redacted] |
05/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10219313 | [Redact] | [Redact] | 36444992 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose cert. | Reviewer Comment (2026-05-14): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-05-14): Please find attached Business Purpose Certificate. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10219313 | [Redact] | [Redact] | 36444996 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization was not provided. Note: the The fully executed Business Purpose cert will clear the condition. | Reviewer Comment (2026-05-14): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-05-14): Please see attached Business Purpose Certificate. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10219313 | [Redact] | [Redact] | 36445030 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | [Redacted] Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Notice of Special Flood Hazard Disclosure was not signed. | Reviewer Comment (2026-05-15): Executed disclosure provided Seller Comment (2026-05-14): Please find attached SFHD. |
05/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10220068 | [Redact] | [Redact] | 36127772 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10220934 | [Redact] | [Redact] | 36140007 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-14): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-10): Collateral delivered on [Redact] via [Redact] tracking number [Redact]. |
04/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10220934 | [Redact] | [Redact] | 36274071 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | Monthly P&I does not agree with Schedule SCH: [Redact] NOTE:[Redact] | Buyer Comment (2026-04-14): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-13): Please match the schedule to the note. |
04/14/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10223586 | [Redact] | [Redact] | 36158901 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-21): Tracking# [Redacted], delivered on [Redacted] |
05/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10223586 | [Redact] | [Redact] | 36523985 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Master HOI policy was not found in file. The dec page in file was an HO-6 policy. | Reviewer Comment (2026-08-06): Revised declarations page provided Seller Comment (2026-08-05): hoi Reviewer Comment (2026-05-27): The subject is an Attached PUD and the dec page in file is an HO-6 policy that is not sufficient to meet the required dwelling coverage. An HO-6 policy is a supplement for the interior coverage, therefore a master policy covering the building is available. Condition remains Seller Comment (2026-05-26): This is PUD and ii don't require a Master policy. Please clear this condition. Thanks. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10223586 | [Redact] | [Redact] | 37171237 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Revised HOI declarations provided that verified sufficient coverage; however the policy was in effect as of [Redacted] and sufficient coverage is required to be in effect at or prior to closing. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
- [Redacted]-year ownership in subject property | [Redact],Aggregator [Redact] [Redact] |
Reviewer Comment (2026-08-27): Client elected to waive the condition with the following Comp factors: - [Redacted]% LTV is [Redacted]% below max ( [Redacted]%). - [Redacted]-year ownership in subject property - Credit depth: [Redacted]-year credit history including [Redacted]-year mtg history paid as agreed Reviewer Comment (2026-08-26): Received loss history information, however available HOI policy effective date is after the note date. Please provide HOI policy within the note date 0[Redacted][Redacted]. Exception remains. Seller Comment (2026-08-25): Can you please provide an update. Thanks! Reviewer Comment (2026-08-18): Elevated to the client for review. Seller Comment (2026-08-18): Please see attached confirmation from HOI that there were no loss claims |
08/27/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10223586 | [Redact] | [Redact] | 37171282 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. | The flood insurance policy in file verified insufficient coverage. Coverage of at least the loan amount, $[Redacted] is required. | Reviewer Comment (2026-08-26): Received updated flood insurance policy. Exception cleared. Seller Comment (2026-08-25): Please see Flood policy attached. |
08/26/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10223586 | [Redact] | [Redact] | 37171306 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Revised HOI dec page provided with a higher premium. As a result, the recalculated DSCR is less than the guideline minimum of [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
- [Redacted]-year ownership in subject property | [Redact],Aggregator [Redact] [Redact] |
Reviewer Comment (2026-08-27): Client elected to waive the condition with the following Comp factors: - [Redacted]% LTV is [Redacted]% below max ( [Redacted]%). - [Redacted]-year ownership in subject property - Credit depth: [Redacted]-year credit history including [Redacted]-year mtg history paid as agreed Reviewer Comment (2026-08-27): EXCEPTION HISTORY - Exception Explanation was updated on 0[Redacted] PRIOR Exception Explanation: Calculated Debt Service Coverage Ratio (Subject DSCR) of [Redacted] does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) [Redacted]. |
08/27/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10223588 | [Redact] | [Redact] | 36159217 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
04/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10224747 | [Redact] | [Redact] | 36164769 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Home Improvement | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10224747 | [Redact] | [Redact] | 36587114 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of [Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-05-27): Client elected to waive the condition on the Non-QM 1st lien |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Home Improvement | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10224747 | [Redact] | [Redact] | 36587119 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-01): [Redacted] Received Rate lock showing loan relock. Seller Comment (2026-05-29): [Redacted] On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Final Cost to the Borrower of [Redacted]% or $ [Redacted]. Please see attached lock confirmation and Closing Disclosure. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10224747 | [Redact] | [Redact] | 36587120 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-01): Cured at closing or within [Redacted]days of consummation prior to TPR review Seller Comment (2026-05-29): [Redacted] [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. |
06/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10224747 | [Redact] | [Redact] | 36636918 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-01): Sufficient Cure Provided At Closing |
06/01/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10228305 | [Redact] | [Redact] | 36179123 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-05): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
05/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10230738 | [Redact] | [Redact] | 36194581 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Please find listed [Redacted] Tracking ID: [Redacted] Delivered [Redacted], [Redacted] at [Redacted] |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10233177 | [Redact] | [Redact] | 36216651 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-17): Waived on Rate Lock: Collateral cleared by Custodian |
04/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10233177 | [Redact] | [Redact] | 36290630 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [Redacted] business days prior to closing. | Initial Closing Disclosure was not provided. | Reviewer Comment (2026-04-20): [Redacted] received CD dated [Redacted] Seller Comment (2026-04-17): [Redacted]: Please see the attached // |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10233177 | [Redact] | [Redact] | 36290722 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Origination Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-05-18): [Redacted] received COC dated [Redacted] and [Redacted]. Seller Comment (2026-05-15): [Redacted] [Redacted] Disagree - there was a program change on [Redacted] from Bank Statement 30 Year Fixed - Pink to Bank Statement 30 Year Fixed - Blue which added loan level pricing adjusters for this product. A Closing Disclosure went out the same day to the borrower. On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $ [Redacted]to - [Redacted]% or -$ [Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. Reviewer Comment (2026-05-05): [Redacted] received rebuttal comment and COC for change in comp plan as per borrower's request however, apart from switching the plan the overall section A (Origination) fees were increased from $ [Redacted]to $ [Redacted]. Please provide more additional information to validate any change in pricing. Seller Comment (2026-05-04): [Redacted] [Redacted] On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $ [Redacted]to - [Redacted]% or -$ [Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. Seller Comment (2026-05-04): [Redacted] [Redacted] On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $ [Redacted]to - [Redacted]% or -$ [Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. Seller Comment (2026-05-04): [Redacted] [Redacted] On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to go from [Redacted]% or $ [Redacted]to - [Redacted]% or -$ [Redacted]. On [Redacted] a Closing disclosure went out to the borrower to redisclose. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10233177 | [Redact] | [Redact] | 36290723 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-04-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Seller Comment (2026-04-17): [Redacted]: A tolerance credit in the amount of $ [Redacted] for the appraisal fee was reflected on the final Closing Disclosure |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10233177 | [Redact] | [Redact] | 36522700 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-18): Sufficient Cure Provided At Closing |
05/18/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10249244 | [Redact] | [Redact] | 36237850 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-02): Waived on Rate Lock: Collateral cleared by Custodian |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10249244 | [Redact] | [Redact] | 36562221 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter is missing in file. | Reviewer Comment (2026-06-16): Received Closing Protection Letter. Exception cleared. Seller Comment (2026-06-16): attached Reviewer Comment (2026-05-28): Subject is located in '[Redacted]' state. Please provide the Closing protection letter. Exception remains. Seller Comment (2026-05-27): CLP's are not required in the state of [Redacted] |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10249244 | [Redact] | [Redact] | 36562228 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the right to receive a copy of the appraisal at least three business days prior to closing, and the appraisal was not provided at or before closing. | 05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10249244 | [Redact] | [Redact] | 36580298 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | The file is missing the lease agreements for both units of the subject property. | Reviewer Comment (2026-05-28): Received lease agreement. Exception cleared. Seller Comment (2026-05-27): attached |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10249249 | [Redact] | [Redact] | 36237907 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-23): Waived on Rate Lock: Collateral cleared by Custodian |
04/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10249355 | [Redact] | [Redact] | 36238190 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-27): [Redacted] Tracking Number [Redacted] |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10249355 | [Redact] | [Redact] | 36556296 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | The file is missing a copy of the secondary valuation required for securitization Purposes. | Reviewer Comment (2026-06-02): Received and associated Fannie mae UCDP submission summary. Exception cleared. Seller Comment (2026-06-01): FNMA UCDP with CU score of [Redacted] Reviewer Comment (2026-06-01): Rebuttal review and agree that the guidelines reference the use of the CU score only. The docs in file verified the LCA score, which is from Freddie Mac. The file is missing the CU score ( [Redacted] or less) from Fannie Mae. The condition is valid and remains open Seller Comment (2026-05-29): Please see Section 9.3 of the platinum guidelines, Appraisal Review Requirements, that references the use of CU score only. appraisal requirements met Reviewer Comment (2026-05-29): Updated comment: The Fannie Mae UCDP was not in file. The Freddie Mac UCDP was in file and referenced in the seller's comments. Per the guides, the Fannie Mae UCDP with a CU Score of [Redacted] or less is acceptable. The Freddie Mac UCDP with a LCA score of [Redacted]or less is not acceptable. Reviewer Comment (2026-05-29): Fannie mae UCDP submission summery is not available. Please provide the secondary valuation. Exception remains. Seller Comment (2026-05-28): per the ucdp on pg [Redacted] [Redacted] reflected a CU score of [Redacted] and a secondary value was not required |
06/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | A | A | B | B | D | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10249355 | [Redact] | [Redact] | 36556378 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) | Reviewer Comment (2026-05-26): Client elected to waive the condition on the Non-QM 1st lien |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | A | A | B | B | D | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10250309 | [Redact] | [Redact] | 36242889 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-12): Waived on Rate Lock: Collateral cleared by Custodian |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10250309 | [Redact] | [Redact] | 36392792 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was not provided. | 05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10250309 | [Redact] | [Redact] | 36392950 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per guidelines, business funds can only be used if documentation is provided to verify borrower's percentage of ownership. Missing CPA Letter or Business formation documents. | Reviewer Comment (2026-08-06): Proof of access to the business funds provided Seller Comment (2026-08-05): Please see attached articles from [Redacted]that shows the borrower is the owner of the business with all the shares from the name change Reviewer Comment (2026-05-13): The received Business Entity Listing document does not reflect the borrower's ownership percentage in the business. Kindly provide a supporting document to verify the borrower's ownership in the business. The exception remains Seller Comment (2026-05-12): Please see attached business search. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10252052 | [Redact] | [Redact] | 36251670 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-04-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-04-15): (Rate Lock) [Redact] |
04/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10252052 | [Redact] | [Redact] | 36282434 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10252059 | [Redact] | [Redact] | 36252664 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10252059 | [Redact] | [Redact] | 36682691 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-06-11): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-10): Please see uploaded Business Purpose |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10252059 | [Redact] | [Redact] | 36682692 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-06-11): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-10): Please see uploaded Business Purpose |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10252059 | [Redact] | [Redact] | 36688370 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan-to-value percentage of [Redacted]% exceeds guideline loan-to-value percentage of [Redacted]%. | Reviewer Comment (2026-06-16): Received and associated updated [Redacted]. Exception cleared. Seller Comment (2026-06-15): Please see uploaded appraisal for $ [Redacted] |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10252059 | [Redact] | [Redact] | 36688371 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan-to-value percentage of [Redacted]% exceeds guideline combined loan-to-value percentage of [Redacted]%. | Reviewer Comment (2026-06-16): Received and associated updated [Redacted]. Exception cleared. Seller Comment (2026-06-15): Please see uploaded appraisal for $ [Redacted] |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10252577 | [Redact] | [Redact] | 36252715 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10252577 | [Redact] | [Redact] | 36811587 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-07-01): Updated estimate cost new based on the 1004. Exception cleared. Seller Comment (2026-06-30): Please look at page [Redacted] of the uploaded Appraisal where the cost listed of $ [Redacted]. Please clear this condition. Thanks. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10252722 | [Redact] | [Redact] | 36253232 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-04): Waived on Rate Lock: Collateral cleared by Custodian |
05/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10256249 | [Redact] | [Redact] | 36262624 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-07): Waived on Rate Lock: Collateral cleared by Custodian |
05/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10256764 | [Redact] | [Redact] | 36264980 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-07): Waived on Rate Lock: Collateral cleared by Custodian |
05/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10256763 | [Redact] | [Redact] | 36265013 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-11): Waived on Rate Lock: Collateral cleared by Custodian |
05/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10256763 | [Redact] | [Redact] | 36387996 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-01): Sufficient Cure Provided At Closing |
05/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10256763 | [Redact] | [Redact] | 36388014 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10256763 | [Redact] | [Redact] | 36392585 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant [Redacted] business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. | 05/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10256827 | [Redact] | [Redact] | 36265327 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-11): (Rate Lock) Collateral package sent [Redacted] [Redacted]. Delivered [Redacted] |
05/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10256827 | [Redact] | [Redact] | 36402494 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least [Redacted] business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10256829 | [Redact] | [Redact] | 36265530 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-11): Waived on Rate Lock: Collateral cleared by Custodian |
05/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10256829 | [Redact] | [Redact] | 36394791 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 05/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10256829 | [Redact] | [Redact] | 36399671 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state the borrower's rental housing payment history for the most recent [Redacted] months is required to be verified with a Verification of Rent (VOR) completed by a professional management company. The borrower has been renting their primary from an individual for the last [Redacted] years. A credit supplement was provided evidencing verification from the individual landlord that there have been no late payments in the last [Redacted] months, current through [Redacted], as well as a VOR from the landlord supporting that the account is current with no late payments since occupying. The lease agreement and evidence of the [Redacted] and [Redacted] [Redacted] payments are also in the file. Lender exception using the credit supplement to support the borrower's rental history with a VOR completed by an individual. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Client elect to waive with compensating factors: [Redacted] DTI is [Redacted] below max ([Redacted]). Client elect to waive with compensating factors: [Redacted] post-close reserves ([Redacted] months of [Redacted]). |
[Redact],Aggregator Aggregator,[Redact] |
Reviewer Comment (2026-05-05): Client elect to waive with compensating factors: [Redacted] LTV is [Redacted] below max ( [Redacted]). [Redacted] DTI is [Redacted]below max ( [Redacted]). $ [Redacted]post-close reserves ( [Redacted] months of [Redacted]). |
05/05/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10258626 | [Redact] | [Redact] | 36274457 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10258626 | [Redact] | [Redact] | 36816126 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10258626 | [Redact] | [Redact] | 36816127 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10258626 | [Redact] | [Redact] | 36816128 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10259139 | [Redact] | [Redact] | 36276468 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-11): Waived on Rate Lock: Collateral cleared by Custodian |
05/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10259804 | [Redact] | [Redact] | 36281980 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-20): Collateral delivered on [Redacted] via [Redacted] [Redacted] |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10260638 | [Redact] | [Redact] | 36283328 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10260927 | [Redact] | [Redact] | 36287227 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): (Rate Lock) Delivered [Redacted]. Tracking [Redacted]. Thanks! |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10260927 | [Redact] | [Redact] | 36649346 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. | 06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155301 | [Redact] | 36295392 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Track record documentation other than application is missing and is required based on guidelines. | Reviewer Comment (2026-02-16): Provided and cleared. Buyer Comment (2026-02-12): Track Record TVC Form |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10155301 | [Redact] | 36295394 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Missing Note Prepayment Addendum | Reviewer Comment (2026-02-16): Clarification provided, exception cleared. Buyer Comment (2026-02-12): Per the final approval there is no prepayment penalty. No rider required. Please clear. |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| [Redact] | 10155302 | [Redact] | 36295404 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Reviewer Comment (2026-02-20): Located on Business Purpose. Buyer Comment (2026-02-19): This is not required per our guidelines. Please clear. |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10155288 | [Redact] | 36295407 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved Exception for client doing [Redacted] DSCR refinances with [Redacted] over the next [Redacted] days. Compensating factors Credit score is [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-04): Waived with compensating factors per lender exception approval at origination. |
02/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155288 | [Redact] | 36295408 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The effective date on the hazard insurance binder is [Redacted], which is a future date. Corrected binder required to verify effective at time of Note date. | Reviewer Comment (2026-03-05): Received hazard policy with correct dates. Buyer Comment (2026-03-03): HOI with correct date |
03/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155287 | [Redact] | 36295420 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender approved exception approved at origination for commercial blanket policy not being escrowed Compensating Factors: FICO [Redacted] LTV over [Redacted]% under max Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155287 | [Redact] | 36295422 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. Compensating Factors: FICO [Redacted] LTV over [Redacted]% under max Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155287 | [Redact] | 36295423 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factors: FICO [Redacted] LTV over [Redacted]% under max Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155287 | [Redact] | 36295424 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members | Reviewer Comment (2026-02-10): Per section [Redacted]of the [Redacted] Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted]is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155287 | [Redact] | 36295425 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender approved exception for commercial blanket policy coverage. Compensating Factors: FICO [Redacted] LTV over [Redacted]% under max Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155287 | [Redact] | 36295426 | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided | Lender approved exception for we don't have full Statement of all pages for the Month of [Redacted] and [Redacted], and just the cover page for only provided. Compensating Factors: FICO [Redacted] LTV over [Redacted]% under max Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155307 | [Redact] | 36295429 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The lender exception has been requested for the lease sale leaseback or lease to buy provisions, subject to [Redacted] underwrite and pre-approval of the borrower and guarantor entities. The lender exception has been approved with the compensating factors of Experience is [Redacted] rental units | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-09): Waived with compensating factors per lender exception approval at origination. |
02/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155307 | [Redact] | 36295430 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception at origination to not require escrows of insurance, due to commercial blanket policy, with comp factors [Redacted] FICO, [Redacted]% [Redacted] and experience of [Redacted] rental units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-09): Waived with compensating factors per lender exception approval at origination. |
02/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155307 | [Redact] | 36295431 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | The lender exception has been requested for the LOE which is not require for any litigation issues are vetted in the [Redacted] annual review. The lender exception has been approved with the compensating factors of Credit score is [Redacted], [Redacted] is [Redacted]%, experience is [Redacted] rental units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-09): Waived with compensating factors per lender exception approval at origination. |
02/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155307 | [Redact] | 36295432 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-09): Per section [Redacted] of the [Redacted] Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then [Redacted] states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155307 | [Redact] | 36295433 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender approved exception for commercial blanket policy to be allowed. Compensating factors: FICO-[Redacted] Experience [Redacted] plus rental units. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155309 | [Redact] | 36295434 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved Exception to allow sale-leaseback or lease-to-buy provisions. Compensating Factors : FICO [Redacted] Experience [Redacted] Rental Units Reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155309 | [Redact] | 36295436 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception to not require an LOE as any litigation issues are vetted in the [Redacted] Review. Compensating Factors : FICO [Redacted] Experience [Redacted] Rental Units Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155309 | [Redact] | 36295437 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided, Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in the file, there is a second member, please provide corporate resolution for subject transaction signed by all member. | Reviewer Comment (2026-02-10): Per section [Redacted] of the [Redacted] Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155309 | [Redact] | 36295438 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender approved exception to allow commercial blanket policy coverage. Compensating Factors : FICO [Redacted] Experience [Redacted] Rental Units Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155309 | [Redact] | 36295439 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender Approved Exception to not escrow for insurance due to Commercial Blanket Policy. Compensating Factors : FICO [Redacted] Experience [Redacted] Rental Units Reserves | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155292 | [Redact] | 36295440 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease-to-buy provisions. Compensating Factors: FICO [Redacted] Experience [Redacted] plus Rental units Reserves[Redacted] plus months |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155292 | [Redact] | 36295441 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved Exception to not escrow for insurance due to commercial blanket policy Compensating Factors: FICO [Redacted] Experience [Redacted] plus Rental units Reserves [Redacted] plus months |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155292 | [Redact] | 36295443 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Credit Letter of Explanation was not provided. Compensating Factors: FICO [Redacted] Experience [Redacted] plus Rental units Reserves [Redacted] plus months |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155292 | [Redact] | 36295444 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided, Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in the file, there is a second member, please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-10): Per section 5.1 of the [Redacted] Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155292 | [Redact] | 36295445 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender approved exception to allow commercial blanket policy coverage. Compensating factors; FICO [Redacted] Experience [Redacted] plus Rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155294 | [Redact] | 36295447 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-10): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted]is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted]can sign the written consents naming himself [Redact] of [Redacted] |
02/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155294 | [Redact] | 36295448 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved Exception at origination for commercial blanket policy not being escrowed. Compensating Factors FICO [Redacted] Experience [Redacted] plus Rental Units Reserves more than [Redacted] months |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155294 | [Redact] | 36295449 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease to buy provisions within lease agreement. Compensating Factors FICO [Redacted] Experience [Redacted] plus Rental Units Reserves more than [Redacted] months |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155294 | [Redact] | 36295450 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require an LOE as there are no litigation issues vetted in the [Redacted] annual review. Compensating Factors FICO [Redacted] Experience [Redacted] plus Rental Units Reserves more than [Redacted] months |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155294 | [Redact] | 36295452 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender approved exception to allow commercial blanket policy coverage. Compensating Factors FICO [Redacted] Experience [Redacted] plus Rental Units Reserves more than [Redacted] months |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155294 | [Redact] | 36295453 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender approved exception for commercial blanket policy coverage. Compensating Factors FICO [Redacted] Experience [Redacted] plus Rental Units Reserves more than [Redacted] months |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155296 | [Redact] | 36295455 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. Compensating factors: FICO [Redacted] Reserves exceed guidelines by [Redacted] months plus |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155296 | [Redact] | 36295456 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved at origination for commercial blanket policy not being escrowed. Compensating factors: FICO [Redacted] Reserves exceed guidelines by [Redacted] months plus |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155296 | [Redact] | 36295457 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating factors: FICO [Redacted] Reserves exceed guidelines by [Redacted] months plus |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155296 | [Redact] | 36295458 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. |
Reviewer Comment (2026-02-10): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155296 | [Redact] | 36295459 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender approved exception to allow commercial blanket policy coverage. Compensating factors: FICO [Redacted] Reserves exceed guidelines by [Redacted] months plus |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155290 | [Redact] | 36295466 | Credit | Credit | Miscellaneous | Credit | A copy of Asset Verification Report is not on file. | Lender approved exception for we have full Statement all pages for the Month of [Redacted], and just the cover page for [Redacted]. Compensating Factors: FICO [Redacted] |
The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] | Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155290 | [Redact] | 36295467 | Credit | Guideline | Guideline Issue | Guideline | Hazard Insurance Coverage Amount is insufficient per guidelines. | Original Loan Amount: ___; Estimated Cost New: ___; Lender Documented Insured Value: ___ | Lender exception to not escrow for insurance due to Commercial blanket policy Compensating Factor: FICO [Redacted] |
The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] | Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| [Redact] | 10155290 | [Redact] | 36295468 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Exception request to not require an LOE as any litigation issues are vetted in the [Redacted] annual review. Compensating Factors: FICO [Redacted] |
The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] | Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155290 | [Redact] | 36295469 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members | Reviewer Comment (2026-02-10): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155290 | [Redact] | 36295470 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender approved exception to allow commercial blanket policy coverage. Compensating Factors: FICO [Redacted] |
The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] | Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155290 | [Redact] | 36295471 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for Requesting an exception to allow sale-leaseback or lease-to-buy provisions Compensating Factors: FICO [Redacted] |
The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] | Reviewer Comment (2026-02-10): Waived with compensating factors per lender exception approval at origination. |
02/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155293 | [Redact] | 36295474 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-11): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted]can sign the written consents naming himself [Redact] of [Redacted] |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155293 | [Redact] | 36295475 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination. Buyer Comment (2026-02-12): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155293 | [Redact] | 36295476 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factors: FICO [Redacted] Reserves Experience [Redacted] plus rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155293 | [Redact] | 36295477 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. Compensating Factors: FICO [Redacted] Reserves Experience [Redacted] plus rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155293 | [Redact] | 36295478 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender approved exception to allow commercial blanket policy not being escrowed. Compensating Factors: FICO [Redacted] Reserves Experience [Redacted] plus rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155293 | [Redact] | 36295479 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender approved exception to apply [Redacted]% reduction for cash out transaction to [Redacted]% (guidelines is [Redacted]%) -[Redacted] Compensating Factors: FICO [Redacted] Reserves Experience [Redacted] plus Rental Units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| [Redact] | 10155291 | [Redact] | 36295480 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member, however per the operating agreements in file, there is a second member. Please Provide Corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-11): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155291 | [Redact] | 36295482 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factors: FICO [Redacted] Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155291 | [Redact] | 36295483 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease to buy provisions within lease agreement. Compensating Factors: FICO [Redacted] Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155291 | [Redact] | 36295484 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing [Redacted] Deal Team Submission Form dated within [Redacted] year of Note date. Form provided is dated [Redacted]. | Reviewer Comment (2026-02-16): Provided, exception cleared. Buyer Comment (2026-02-12): [Redacted] Credit Memo |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155291 | [Redact] | 36295485 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination. Buyer Comment (2026-02-12): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155291 | [Redact] | 36295486 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender approved Exception at origination for commercial blanket policy not being escrowed. Compensating Factors: FICO [Redacted] Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155295 | [Redact] | 36295487 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. Compensating Factors FICO [Redacted] and Experience [Redacted] plus rental units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155295 | [Redact] | 36295488 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation as all issues are vetted through the [Redacted] deal team submission process. Compensating Factors FICO [Redacted] and Experience [Redacted] plus rental units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155295 | [Redact] | 36295489 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in file there is a second member. Please provide Corporate Resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-11): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155295 | [Redact] | 36295491 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender approved exception to not escrow for insurance due to Commercial blanket policy. Compensating Factors: FICO [Redacted] Reserves Experience [Redacted] plus Rental Units. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155295 | [Redact] | 36295492 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination. Buyer Comment (2026-02-12): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155289 | [Redact] | 36295493 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. Compensating Factors: FICO [Redacted] Reserves Experience [Redacted] plus rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155289 | [Redact] | 36295494 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factors: FICO [Redacted] Reserves Experience [Redacted] plus rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155289 | [Redact] | 36295495 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in file there is a second member. Please provide Corporate Resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-11): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155289 | [Redact] | 36295497 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing [Redacted] Deal Team Submission Form dated within [Redacted] year of Note. Form provided in loan file is dated 1[Redacted]. | Reviewer Comment (2026-02-16): Provided, exception cleared. Buyer Comment (2026-02-12): [Redacted] Memo |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155289 | [Redact] | 36295498 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination. Buyer Comment (2026-02-12): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155289 | [Redact] | 36295499 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved at origination for commercial blanket policy not being escrowed. Compensating Factors: FICO [Redacted] Reserves Experience [Redacted] plus rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155321 | [Redact] | 36295501 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception to not require an LOE as any litigation issues are vetted in the [Redacted] annual review. Compensating Factors: FICO [Redacted] Experience [Redacted] plus rental units Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155321 | [Redact] | 36295502 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in file there is a second member. Please provide Corporate Resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-11): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155321 | [Redact] | 36295503 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination. Buyer Comment (2026-02-12): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155321 | [Redact] | 36295504 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender approved exception to not escrow for insurance due to Commercial blanket policy. Compensating Factors: FICO [Redacted] Experience [Redacted] plus rental units Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-11): Waived with compensating factors per lender exception approval at origination. |
02/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155326 | [Redact] | 36295527 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception to not require an LOE as any litigation issues are vetted in the [Redacted] Compensating Factors: FICO [Redacted] Experience [Redacted] plus Rental Units Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155326 | [Redact] | 36295528 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-12): Per section 5.1 of the [Redacted] Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155326 | [Redact] | 36295529 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease-to-buy provisions Compensating Factors: FICO [Redacted] Experience [Redacted] plus rental units. Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155326 | [Redact] | 36295530 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | File contains commercial blanket HOI policy with no evidence of individual property coverage to determine it meets guideline requirements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155326 | [Redact] | 36295531 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved at origination for commercial blanket policy not being escrowed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination. |
02/16/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155311 | [Redact] | 36295533 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender exception approved at origination for commercial blanket policy not being escrowed Compensating Factors FICO [Redacted] Experience [Redacted] plus Rentals Reserves. . |
Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Occupancy: [Redacted] Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155311 | [Redact] | 36295534 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Occupancy: [Redacted] Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155311 | [Redact] | 36295535 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception to not require an LOE as any litigation issues are vetted in the [Redacted] Compensating Factors: FICO [Redacted] Experience[Redacted] Rental Units Reserves |
Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Occupancy: [Redacted] Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. Reviewer Comment (2026-02-12): corrected reason Reviewer Comment (2026-02-12): Per section 5.1 of the [Redacted] Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155311 | [Redact] | 36295536 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-12): Per section 5.1 of the [Redacted] Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155311 | [Redact] | 36295537 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease -to buy provisions. Compensating Factors FICO [Redacted] Experience[Redacted] rental units Reserves |
Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Occupancy: [Redacted] Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155317 | [Redact] | 36295539 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow Sale leaseback or lease to buy provisions Compensating factors: FICO [Redacted] Experience[Redacted] Rental Units Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Credit memo |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155317 | [Redact] | 36295540 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Credit memo |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155317 | [Redact] | 36295541 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-16): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. Buyer Comment (2026-02-16): Not required per language in the operating agreement. See [Redacted]. |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155317 | [Redact] | 36295542 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155317 | [Redact] | 36295543 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender exception to not escrow for insurance due to Commercial blanket policy. Compensating factors: FICO[Redacted] Experience[Redacted] Rental Units Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155312 | [Redact] | 36295544 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Final Title policy is missing in loan file . | Reviewer Comment (2026-02-20): Cleared with correction of P&I to I/O. |
02/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10155312 | [Redact] | 36295545 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale leaseback or lease to buy provisions. Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155312 | [Redact] | 36295546 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155312 | [Redact] | 36295547 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-12): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155312 | [Redact] | 36295548 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-18): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Lender exception |
02/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155312 | [Redact] | 36295549 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender approved exception to allow commercial blanket policy not being escrowed. Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Loan to Value: [Redacted]% Guideline Maximum Loan to Value: [Redacted]% Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155312 | [Redact] | 36295550 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Reviewer Comment (2026-02-20): Eliminated by correcting P&I to I/O Buyer Comment (2026-02-19): DSCR Calculation - Rent per lease renewal documents: $ [Redacted] Monthly P&I: $ [Redacted] Monthly HOI: $ [Redacted] Monthly Tax: $ [Redacted] Monthly Liability Insurance: $ [Redacted] Total Cost: $ [Redacted] DSCR= [Redacted]/ [Redacted]= [Redacted] |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10155316 | [Redact] | 36295553 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved to allow sale-leaseback or lease-to-buy provisions. Compensating factors were cited as experience of [Redacted] rental units. | Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
# of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | B | D | A | N/A | No | |||||||||||
| [Redact] | 10155316 | [Redact] | 36295554 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The Appraisal is dated more than [Redacted] months prior to the note date. | There appears to be a typo on the effective date of the appraisal in file, as it reflects [Redacted] and not [Redacted]. Updated appraisal required for review of this condition. | Reviewer Comment (2026-02-20): Received appraisal with correct date. Buyer Comment (2026-02-20): corrected appraisal uploaded to previous condition |
02/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | B | D | A | N/A | No | ||||||||||||||
| [Redact] | 10155316 | [Redact] | 36295555 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [Redacted] | There appears to be a typo on the effective date of the appraisal in file, as it reflects [Redacted] and not [Redacted]. Updated appraisal required for review of this condition. | Reviewer Comment (2026-02-20): Received appraisal with correct date. Buyer Comment (2026-02-20): corrected appraisal uploaded to previous condition |
02/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | B | D | A | N/A | No | ||||||||||||||
| [Redact] | 10155316 | [Redact] | 36295556 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | There appears to be a typo on the effective date of the appraisal in file, as it reflects [Redacted] and not [Redacted]. Updated appraisal required for review of this condition. | Reviewer Comment (2026-02-20): Received appraisal with correct date. Buyer Comment (2026-02-20): Corrected appraisal |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | B | D | A | N/A | No | ||||||||||||||
| [Redact] | 10155316 | [Redact] | 36295557 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception to not require an LOE as any litigation issues are vetted in the [Redacted] Compensating Factors: FICO[Redacted] Experience[Redacted] Rental Units Reserves |
Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
# of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | B | D | A | N/A | No | |||||||||||
| [Redact] | 10155316 | [Redact] | 36295558 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-12): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | B | D | A | N/A | No | ||||||||||||||
| [Redact] | 10155316 | [Redact] | 36295559 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender approved exception to not escrow for insurance due to Commercial Blanket Policy Compensating Factors FICO[Redacted] Experience[Redacted] Rental units. Reserves |
Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
# of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | B | D | A | N/A | No | |||||||||||
| [Redact] | 10155316 | [Redact] | 36295560 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
# of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-17): Waived with compensating factors per lender approved exception. Buyer Comment (2026-02-16): Approved lender exception |
02/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | B | D | A | N/A | No | |||||||||||
| [Redact] | 10155310 | [Redact] | 36295561 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. Compensating Factors FICO[Redacted] Experience[Redacted] Rental Units Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | N/A | No | |||||||||||
| [Redact] | 10155310 | [Redact] | 36295562 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Updated as per the document correctly | Reviewer Comment (2026-02-20): Desk Review effective date the same as original appraisal Buyer Comment (2026-02-19): DVR reflects [Redacted] as the appraisal effective date which is what the appraisal has as well. Please clear. |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | N/A | No | ||||||||||||||
| [Redact] | 10155310 | [Redact] | 36295564 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception to not require an LOE as any litigation issues are vetted in the [Redacted] Compensating Factors: FICO[Redacted] Experience[Redacted] Rental Units Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | N/A | No | |||||||||||
| [Redact] | 10155310 | [Redact] | 36295565 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-12): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | N/A | No | ||||||||||||||
| [Redact] | 10155310 | [Redact] | 36295566 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-18): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Approved lender exception |
02/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | N/A | No | |||||||||||
| [Redact] | 10155310 | [Redact] | 36295567 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender approved exception to not escrow for insurance due to Commercial Blanket Policy Compensating Factors FICO[Redacted] Experience[Redacted] Rental units. Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | N/A | No | |||||||||||
| [Redact] | 10155318 | [Redact] | 36295568 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved to allow sale-leaseback or lease-to-buy provisions Compensating factors were cited as experience of [Redacted] rental units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155318 | [Redact] | 36295570 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception to not require an LOE as any litigation issues are vetted in the [Redacted] Compensating Factors: FICO[Redacted] Experience[Redacted] Rental Units Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155318 | [Redact] | 36295571 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-12): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155318 | [Redact] | 36295572 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender approved exception to not escrow for insurance due to Commercial Blanket Policy Compensating Factors FICO[Redacted] Experience[Redacted] Rental units. Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155318 | [Redact] | 36295573 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155318 | [Redact] | 36295574 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease agreement for rents of $[Redacted] not provided. (Tenant ledger in file) | Reviewer Comment (2026-02-16): Lease and renewal received. Buyer Comment (2026-02-16): Lease and lease renewal documentation which was in the loan file. |
02/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155318 | [Redact] | 36295575 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender requested an exception which was approved to apply [Redacted]% reduction for cash out transaction - [Redacted] borrower. Compensating factors were cited as[Redacted] FICO and experience of [Redacted] rental units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination. |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| [Redact] | 10155325 | [Redact] | 36295577 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. Compensating Factors; FICO[Redacted] LTV over [Redacted]% under max Reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155325 | [Redact] | 36295578 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155325 | [Redact] | 36295579 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155325 | [Redact] | 36295580 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender approved exception to not escrow for insurance due to Commercial blanket policy Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155325 | [Redact] | 36295581 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-12): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155324 | [Redact] | 36295584 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender approved exception at origination for commercial blanket policy not being escrowed compensating Factors: FICO[Redacted] LTV over [Redacted]% under max Reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155324 | [Redact] | 36295585 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155324 | [Redact] | 36295586 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approve exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. Compensating Factors: FICO[Redacted] Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155324 | [Redact] | 36295587 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factors: FICO[Redacted] Reserves |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155324 | [Redact] | 36295588 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided, Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in the file, there is a second member, please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-13): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155330 | [Redact] | 36295590 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155330 | [Redact] | 36295592 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155330 | [Redact] | 36295593 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided, Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in the file, there is a second member, please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-13): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155330 | [Redact] | 36295594 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender approved exception at origination for commercial blanket policy not being escrowed. Compensating Factor Credit Score[Redacted] Exp [Redacted]ts. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155330 | [Redact] | 36295595 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155308 | [Redact] | 36295597 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factor: Credit Score is[Redacted] and [Redacted] is 80%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155308 | [Redact] | 36295598 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved Exception to allow sale-leaseback or lease-to-buy provisions. Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155308 | [Redact] | 36295599 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided, Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in the file, there is a second member, please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-13): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155308 | [Redact] | 36295600 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender exception approved at origination for commercial blanket policy not being escrowed. Compensating Factor Credit Score[Redacted] Exp [Redacted]. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155308 | [Redact] | 36295601 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155327 | [Redact] | 36295603 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow Sale-lease back or lease to buy provisions Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155327 | [Redact] | 36295604 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155327 | [Redact] | 36295605 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-12): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155327 | [Redact] | 36295606 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender approved exception to allow commercial blanket policy not being escrowed. Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155327 | [Redact] | 36295607 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155328 | [Redact] | 36295609 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved at origination for commercial blanket policy not being escrowed. Compensating Factor Credit Score[Redacted] Exp [Redacted]. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155328 | [Redact] | 36295610 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception Request to allow sale-leaseback or lease-to-buy provisions. Compensating Factor Credit Score[Redacted] Exp [Redacted]. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155328 | [Redact] | 36295611 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factor Credit Score[Redacted] Exp [Redacted]. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155328 | [Redact] | 36295612 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided, Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in the file, there is a second member, please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-13): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155328 | [Redact] | 36295613 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155323 | [Redact] | 36295615 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Occupancy: [Redacted] Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155323 | [Redact] | 36295616 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factor: Credit Score is[Redacted] and [Redacted] is 80%. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Occupancy: [Redacted] Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155323 | [Redact] | 36295617 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided, Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in the file, there is a second member, please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-13): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155323 | [Redact] | 36295618 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Lender exception approved at origination for commercial blanket policy not being escrowed. Compensating Factor Credit Score[Redacted] Exp [Redacted]. |
Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Occupancy: [Redacted] Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-13): Waived with compensating factors per lender exception approval at origination |
02/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155322 | [Redact] | 36295619 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | Lease agreement is missing in file. | Reviewer Comment (2026-02-20): Lease and renewal provided Buyer Comment (2026-02-19): Lease and lease renewal documents Reviewer Comment (2026-02-16): Approval in file reflects qualified as Leased. Please provide approval reflecting unleased. Buyer Comment (2026-02-16): property underwritten as unleased which is allowed per guidelines. please clear. |
02/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155322 | [Redact] | 36295621 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155322 | [Redact] | 36295622 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow sale-leaseback or lease-to-buy provisions within lease agreement. Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155322 | [Redact] | 36295623 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution indicates our guarantor is the sole member; however, per the operating agreements in file, there is a second member. Please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-12): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted] |
02/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155322 | [Redact] | 36295624 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender approved exception to allow commercial blanket policy not being escrowed. Compensating Factors: FICO[Redacted] Reserves Experience[Redacted] rental units |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-12): Waived with compensating factors per lender exception approval at origination |
02/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155322 | [Redact] | 36295625 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket commercial HOI policy in file; however lender approved exception not provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-16): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-16): Approved lender exception |
02/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155351 | [Redact] | 36295630 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | Hazard Insurance is commercial blanket policy missing lender approved exceptions. | Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
# of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-20): Approved HOI exception |
02/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155351 | [Redact] | 36295631 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender exception request at origination to not required. LOE from Guarantor on pending listing, as all issues are vetted though the [Redacted] deal than submission process. | Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
# of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-19): Waived with compensating factors per lender exception approval at origination |
02/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155351 | [Redact] | 36295632 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided, Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in the file, there is a second member, please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-19): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155351 | [Redact] | 36295633 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception Request to allow sale-leaseback or lease-to-buy provisions. Compensating Factor Credit Score[Redacted] Exp [Redacted]. | Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
# of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-19): Waived with compensating factors per lender exception approval at origination |
02/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155351 | [Redact] | 36295634 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for Commercial blanket policy not escrowed. Compensating Factor Fico[Redacted] Exp [Redacted]. | Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
# of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-19): Waived with compensating factors per lender exception approval at origination |
02/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155347 | [Redact] | 36295637 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception Request to allow sale-leaseback or lease-to-buy provisions. Compensating Factor Credit Score 758 Exp 300 units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: 331.20 Guideline Requirement: 6.00 # of Properties Completed: 300 # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: 700 Representative FICO: 758 |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-19): Waived with compensating factors per lender exception approval at origination |
02/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155347 | [Redact] | 36295638 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved at origination for commercial blanket policy not being escrowed. Compensating Factor Credit Score 778 Exp 300 units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: 331.20 Guideline Requirement: 6.00 # of Properties Completed: 300 # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: 700 Representative FICO: 758 |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-19): Waived with compensating factors per lender exception approval at origination |
02/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155347 | [Redact] | 36295639 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the Platinum Plus deal team submission process. Compensating Factor: Credit Score is 778 and LTAIV is 80%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: 331.20 Guideline Requirement: 6.00 # of Properties Completed: 300 # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: 700 Representative FICO: 758 |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-19): Waived with compensating factors per lender exception approval at origination |
02/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155347 | [Redact] | 36295640 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided, Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in the file, there is a second member, please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-19): Per section 5.1 of the 283 Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redact] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redact] can sign the written consents naming himself [Redact] of [Redact]. |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155347 | [Redact] | 36295641 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket HOI commercial policy in file. However lender approved exception not on file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Reserves: 331.20 Guideline Requirement: 6.00 # of Properties Completed: 300 # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: 700 Representative FICO: 758 |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination. Buyer Comment (2026-02-20): Approved HOI documents Reviewer Comment (2026-02-20): Lender exception not found in file no new trailing docs. Buyer Comment (2026-02-20): Approved HOI exception |
02/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155348 | [Redact] | 36295643 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception Request to allow sale-leaseback or lease-to-buy provisions. Compensating Factor Credit Score[Redacted] Exp [Redacted]ts. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-19): Waived with compensating factors per lender exception approval at origination |
02/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155348 | [Redact] | 36295644 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved at origination for commercial blanket policy not being escrowed. Compensating Factor Credit Score[Redacted] Exp [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-19): Waived with compensating factors per lender exception approval at origination |
02/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155348 | [Redact] | 36295645 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Lender approved exception at origination to not require LOE from guarantor on pending litigation, as all issues are vetted through the [Redacted] deal team submission process. Compensating Factor: Credit Score is [Redacted] and [Redacted] is 80%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-19): Waived with compensating factors per lender exception approval at origination |
02/19/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155348 | [Redact] | 36295646 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance. | There is a blanket HOI commercial policy in file. However lender approved exception not on file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
Reserves: [Redacted] Guideline Requirement: [Redacted] # of Properties Completed: [Redacted] # of Projects (last 24 months): # of Renovation Projects Completed (purchased and exited): Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination Buyer Comment (2026-02-20): Approved HOI exception |
02/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155348 | [Redact] | 36295647 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided, Corporate Resolution indicates our guarantor is the sole member, however per the operating agreement in the file, there is a second member, please provide corporate resolution for subject transaction signed by all members. | Reviewer Comment (2026-02-19): Per section 5.1 of [Redacted]Operating Agreement the company is managed by its Manager and the manager has full and complete control of the company, then 5.2 states that [Redacted] is the manager of the company. Nothing in the agreement states that approval of both the Members is required to bind the company in any matter, so [Redacted] can sign the written consents naming himself [Redact] of [Redacted]. |
02/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| [Redact] | 10155356 | [Redact] | 36295656 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved for exception for members of the nested entity NOT be on the loan and NOT sign the Corporate Resolution. Member [Redacted] ([Redacted]% owner but no voting rights) Member [Redacted] ([Redacted]% owner but no voting rights) Member [Redacted] ([Redacted]% owner but no [Redacted] rights). Compensating factors: Credit score is [Redacted], [Redacted] is 80%. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination. |
02/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155356 | [Redact] | 36295657 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved for exception for waiving background and credit check and listed on loan for Manager ([Redacted]%). Compensating factors: Credit score is [Redacted], [Redacted] is 80%. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination. |
02/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155356 | [Redact] | 36295658 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Approved for exception for Manager to be able to sign [Redacted] Corporate Resolution. Compensating factors: Credit score is [Redacted], [Redacted] is 80%. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination. |
02/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155356 | [Redact] | 36295659 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved for exception to waive insurance premium to be paid in full. Client has a master policy in place for his [Redacted] properties and pays monthly via [Redacted]. Compensating factors: Credit score is [Redacted], [Redacted] is 80 | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination. |
02/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155356 | [Redact] | 36295660 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved for exception for waiving escrowing insurance on the rental finance loan. Compensating factors: Credit score is [Redacted], [Redacted] is 80%. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination. |
02/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155356 | [Redact] | 36295661 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved for exception for lesser of [Redacted]units or $[Redacted] in total outstanding [Redacted]. Borrower has [Redacted] originated loans that have not been PIF and [Redacted] new active loans. [Redacted] of these loans are DSCR Refinances of our Bridge loans and have been thru UW. Compensating factors: Credit score is [Redacted], [Redacted] is 80%. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination. |
02/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155361 | [Redact] | 36295676 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception at origination to exceed the allowed number of active loans to the same Borrower/Guarantor. Guidelines permit five; however, per property schedule provided, borrower has [Redacted] active loans. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination. |
02/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10155361 | [Redact] | 36295677 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to exceed guideline maximum of [Redacted] properties within a building, complex, street, neighborhood, subdivision or city to the same borrower/guarantor. Per Exhibit A provided, there are [Redacted] properties to the same borrower/guarantor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Guidelines Representative FICO: [Redacted] Representative FICO: [Redacted] |
[Redact] Originator Pre-Close,[Redact] |
Reviewer Comment (2026-02-20): Waived with compensating factors per lender exception approval at origination. |
02/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10263051 | [Redact] | [Redact] | 36297499 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-15): Waived on Rate Lock: Collateral cleared by Custodian |
05/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10263051 | [Redact] | [Redact] | 36424015 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-08): Sufficient Cure Provided At Closing |
05/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10263051 | [Redact] | [Redact] | 36429353 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10263051 | [Redact] | [Redact] | 36430959 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval for no sinkhole coverage. Per guidelines, [Redacted] coverage for master insurance policies is required. Client elects to waive with compensating factors: LTV of [Redacted] where 85 is maximum, Other REO equity of $[Redacted], Credit Depth: [Redacted]-year mortgage history and [Redacted] years of trade history paid as agreed. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Client elects to waive with compensating factors: LTV of [Redacted] where [Redacted]is maximum |
[Redact],Aggregator | Reviewer Comment (2026-05-08): Client elects to waive with compensating factors: LTV of [Redacted]where [Redacted]is maximum Other REO equity of [Redacted] Credit Depth: [Redacted] year mortgage history and [Redacted] years trade history paid as agreed. |
05/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10263175 | [Redact] | [Redact] | 36301637 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-02): Waived on Rate Lock: Collateral cleared by Custodian |
06/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10263175 | [Redact] | [Redact] | 36604242 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. ([Redacted]) | Reviewer Comment (2026-06-02): [Redacted] received a valid COC. Seller Comment (2026-06-01): [Redacted] [Redacted] On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at - [Redacted]% or -$ [Redacted]with lender paid compensation of $ [Redacted]and a Final Cost to the Borrower of - [Redacted]% or -$ [Redacted]. Please see attached lock confirmation and Closing Disclosure. Seller Comment (2026-06-01): [Redacted] [Redacted] On [Redacted] there was a relock on the file that caused pricing to increase. On wholesale loans lock actions are acceptable changes and circumstance. A Closing Disclosure went out to the Borrower on the same day. Pricing for the rate ended at - [Redacted]% or -$ [Redacted]with lender paid compensation of $ [Redacted]and a Final Cost to the Borrower of - [Redacted]% or -$ [Redacted]. Please see attached lock confirmation and Closing Disclosure. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10263175 | [Redact] | [Redact] | 36604243 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. ([Redacted]) | Reviewer Comment (2026-06-02): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Seller Comment (2026-06-01): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10263175 | [Redact] | [Redact] | 36609658 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-02): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Seller Comment (2026-06-01): [Redacted] [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal Fee. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10263175 | [Redact] | [Redact] | 36609682 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Client exception due to the subject property being identified as a unique property on the appraisal as it has an attached [Redacted] hangar and ADU. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV of [Redacted] where [Redacted] is maximum [Redacted] DTI where maximum is [Redacted] |
[Redact] [Redact] [Redact] [Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-05-29): Client elected to waive the condition with the following Compensating Factors: LTV of [Redacted] where [Redacted] is maximum Credit Depth: [Redacted]years trade history [Redacted] years mortgage history paid as agree. [Redacted]DTI where maximum is [Redacted] |
05/29/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10263175 | [Redact] | [Redact] | 36637444 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10263175 | [Redact] | [Redact] | 36637445 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-02): Sufficient Cure Provided At Closing |
06/02/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10263392 | [Redact] | [Redact] | 36302755 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10263683 | [Redact] | [Redact] | 36304296 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-15): Waived on Rate Lock: Collateral cleared by Custodian |
05/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10263683 | [Redact] | [Redact] | 36424123 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10263683 | [Redact] | [Redact] | 36424182 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Points and fees on the subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Reviewer Comment (2026-05-08): Client elected to waive the condition on the Non-QM 1st lien |
05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10264284 | [Redact] | [Redact] | 36310364 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-03): Waived on Rate Lock: Collateral cleared by Custodian |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10264292 | [Redact] | [Redact] | 36310366 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-08): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10264292 | [Redact] | [Redact] | 36660642 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10264292 | [Redact] | [Redact] | 36660643 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10264292 | [Redact] | [Redact] | 36671162 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-27): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-27): Please find attached Borrower Business Purpose Certification |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10265397 | [Redact] | [Redact] | 36314609 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): [Redacted] Tracking Number [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Home Improvement | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10265397 | [Redact] | [Redact] | 36678044 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the tax cert for the 2nd home. | Reviewer Comment (2026-06-10): Tax Cert provided. Seller Comment (2026-06-09): reo 1004 n scenic tax cert is doc [Redacted]. please see attached print out from county website to confirm uploaded tax cert parcel number matches (tax cert does not reflect property address) |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Home Improvement | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10265397 | [Redact] | [Redact] | 36678061 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds guideline total debt ratio of [Redacted]%. The difference is due to the lender qualified with an installment debt [Redacted]being paid off, however the debt was not paid off on the final CD nor was there proof in the file verifying the debt was paid off prior to closing. Note: the initial CD disclosed the debt was being paid off, but it was not paid off on the final CD. | Reviewer Comment (2026-06-10): Debt paid by business, required documentation provided. Seller Comment (2026-06-09): debt not required to be paid off. please see attached docs showing [Redact]# [Redacted]is paid from business account. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Home Improvement | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10265397 | [Redact] | [Redact] | 36682956 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Home Improvement | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10265397 | [Redact] | [Redact] | 36683023 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The file is missing the [Redacted] P&L for the borrowers S-Corp. File contained the [Redacted] 1120-S and the [Redacted] YTD P&L. | Reviewer Comment (2026-06-12): Received [Redacted] P&L. Exception cleared. Seller Comment (2026-06-11): please see attached [Redacted]P&L for [Redact] Reviewer Comment (2026-06-10): [Redacted] P&L Statement is required even with Extension in file. Seller Comment (2026-06-09): please see tax extensions docs [Redacted]& [Redacted] |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Home Improvement | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10265879 | [Redact] | [Redact] | 36315617 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10265879 | [Redact] | [Redact] | 36969516 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title policy amount of $[Redacted] is less than the note amount of $[Redacted] based on the commitment in file. | 07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10265962 | [Redact] | [Redact] | 36315778 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): See attached collateral package with tracking info. |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10265962 | [Redact] | [Redact] | 36720675 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review or Field Review effective date does not match the appraisal's effective date. | Reviewer Comment (2026-06-17): Revised CDA provided Seller Comment (2026-06-17): See attached CDA [Redacted] Reviewer Comment (2026-06-15): The earlier appraisal will not clear the condition. Since an updated appraisal was obtained with an updated effective date, the CDA must be reviewed on the updated appraisal. The condition is valid and remains open Seller Comment (2026-06-15): See first iteration of the appraisal dated [Redacted] |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10265962 | [Redact] | [Redact] | 36720784 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the PITIA. | Reviewer Comment (2026-06-15): Documentation verifying the PITIA was provided Seller Comment (2026-06-15): See attached 1st payment letter |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10265962 | [Redact] | [Redact] | 36720791 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | C | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10266374 | [Redact] | [Redact] | 36324810 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-17): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10266374 | [Redact] | [Redact] | 36741549 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not found in file. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10266374 | [Redact] | [Redact] | 36741550 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not found in file. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10266374 | [Redact] | [Redact] | 36741551 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone. | Reviewer Comment (2026-07-29): Disclosure was provided. Please note, additional exception may be cited due to the provided date of disclosure. Seller Comment (2026-07-28): Special Flood Reviewer Comment (2026-07-06): The most recent flood cert provided (doc id [Redacted]) identified the property IS located in a Flood zone and Flood Insurance was obtained. The condition is valid and remains open Seller Comment (2026-07-01): the flood cert show no for the home being in a flood zone. The existingSTRUCTURE,however,isnotaffectedandisnotinthefloodplain |
07/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10266374 | [Redact] | [Redact] | 37107098 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Disclosure provided is dated post-closing. | Reviewer Comment (2026-08-13): Earlier disclosure provided Seller Comment (2026-08-12): special flood doc Reviewer Comment (2026-08-11): The disclosure provided was dated post-close. The flood cert confirmed the property is in a flood zone and the disclosure is required to be provided to the borrowers within a reasonable time prior to closing. The flood cert was obtained [Redacted] and the disclosure should have been provided thereafter. Condition is valid and remains open Seller Comment (2026-08-10): This property is only partially in a flood zone. The actual home is not within the flood zone. |
08/13/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||||||
| [Redact] | 10266963 | [Redact] | [Redact] | 36326374 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-18): Waived on Rate Lock: Collateral cleared by Custodian |
05/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | B | B | C | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10266963 | [Redact] | [Redact] | 36425419 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review effective date does not match the Appraisal effective date. Provide a revised CDA correcting the effective date. | Reviewer Comment (2026-05-18): Revised CDA provided Seller Comment (2026-05-15): [Redacted] - [Redacted]: Please see attached. |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | B | B | C | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10266963 | [Redact] | [Redact] | 36426152 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-05-08): Client elected to waive the condition on the Non-QM 1st lien |
05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | B | B | C | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10266962 | [Redact] | [Redact] | 36326378 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10267924 | [Redact] | [Redact] | 36332303 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10267924 | [Redact] | [Redact] | 36658000 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The verification appraisal delivered to the borrower was not provided. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10267924 | [Redact] | [Redact] | 36671179 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-06-29): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-26): Please see attached business purpose certificate. Reviewer Comment (2026-06-10): Received Business Purpose Certificate however property address and borrower names are not matching. Please provide the Business Purpose Certificate for '[Redacted]'. Exception remains. Seller Comment (2026-06-09): business purpose |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10268454 | [Redact] | [Redact] | 36332729 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-18): Waived on Rate Lock: Collateral cleared by Custodian |
05/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10268454 | [Redact] | [Redact] | 36424446 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-05-08): Sufficient Cure Provided At Closing |
05/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10268454 | [Redact] | [Redact] | 36424477 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in the file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10268454 | [Redact] | [Redact] | 36425324 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 05/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10284772 | [Redact] | [Redact] | 36346524 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10284772 | [Redact] | [Redact] | 36650214 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate provided in file contains different LLC name. | Reviewer Comment (2026-06-05): Received Certificate of Good Standing. Exception Cleared. Seller Comment (2026-06-04): [Redacted] [Redacted]: please see the attached documentation. I've attached the certificate of good standing for the business of [Redacted] |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10284772 | [Redact] | [Redact] | 36650219 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation provided contains different LLC name. | Reviewer Comment (2026-06-09): Correct doc provided. Exception cleared. Seller Comment (2026-06-08): [Redacted] [Redacted]: Please see the attached documentation. I've attached the articles of organization for the property located at [Redacted] |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10285824 | [Redact] | [Redact] | 36352456 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-28): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10285824 | [Redact] | [Redact] | 36561238 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA Receipt of Appraisal Without Waiver. | 05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10285824 | [Redact] | [Redact] | 36561240 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA Receipt of Appraisal Without Waiver. | 05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10287647 | [Redact] | [Redact] | 36360680 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10287647 | [Redact] | [Redact] | 36840998 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10288190 | [Redact] | [Redact] | 36361121 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10288190 | [Redact] | [Redact] | 36719274 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-11): Sufficient Cure Provided At Closing |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10288190 | [Redact] | [Redact] | 36719275 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-11): Sufficient Cure Provided At Closing |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10288708 | [Redact] | [Redact] | 36364449 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): (Rate Lock) Collateral delivered [Redacted]: Tracking: [Redacted]. Thanks! |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288708 | [Redact] | [Redact] | 36592081 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate not provided. | Reviewer Comment (2026-06-01): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-05-29): (Rate Lock) All pages of signed business purpose cert. Thanks! |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10288712 | [Redact] | [Redact] | 36364497 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10288712 | [Redact] | [Redact] | 36552671 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-21): Sufficient Cure Provided At Closing |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10288712 | [Redact] | [Redact] | 36552672 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-21): Sufficient Cure Provided At Closing |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10289278 | [Redact] | [Redact] | 36367475 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-01): Collateral delivered on [Redacted]via [Redacted] tracking number [Redacted] |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289286 | [Redact] | [Redact] | 36367725 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10289283 | [Redact] | [Redact] | 36367726 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10289288 | [Redact] | [Redact] | 36367727 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10289288 | [Redact] | [Redact] | 36771231 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10289284 | [Redact] | [Redact] | 36367729 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10289284 | [Redact] | [Redact] | 36798332 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Per the guidelines, the max cash out for loans with an LTV > [Redacted]% is $[Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Job Stability: [Redacted] years self-employment [Redacted] % DTI where [Redacted] % is max [Redacted] FICO including [Redacted] -year mortgage history paid as agreed |
Aggregator,[Redact] [Redact] [Redact] [Redact] Aggregator,[Redact] Aggregator,[Redact] |
Reviewer Comment (2026-07-06): Client elected to waive the condition with the following Compensating Factors: - [Redacted]% DTI where [Redacted]% is max - Job Stability: [Redacted]years self-employment - [Redacted]FICO including [Redacted]-year mortgage history paid as agreed Reviewer Comment (2026-06-29): [Redacted] Bank Statement program eff [Redacted] guideline is used for [Redacted] Bank Statement Fixed [Redacted]. As per the guideline page [Redacted]: Bank Statement [Redacted] Year Fixed shows "Max cash out $ [Redacted] for LTV > [Redacted]%", LTV is [Redacted]% hence the guideline is not met. Exception remains. Seller Comment (2026-06-26): 0[Redacted]/[Redacted] - [Redacted]: The guideline being referenced is dated [Redacted]. The previously provided matrix states the mac cash out of $ [Redacted]is applicable for all loans imported on or after [Redacted]. Therefore, the proceeds of $ [Redacted] are sufficient. Reviewer Comment (2026-06-25): As per the guideline page [Redacted]: Bank Statement 40 Year Fixed shows "Max cash out $ [Redacted]for LTV > [Redacted]%", LTV is [Redacted]% hence the guideline is not met. Exception remains. Seller Comment (2026-06-24): [Redacted] - [Redacted]: Please see the attached matrix for the Bank Statement 40 year fixed - Blue Product. The max cash to the borrower is $ [Redacted]. |
07/06/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||
| [Redact] | 10289563 | [Redact] | [Redact] | 36368873 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-22): Waived on Rate Lock: Collateral cleared by Custodian |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10289563 | [Redact] | [Redact] | 36490883 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-14): Sufficient Cure Provided At Closing |
05/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10291169 | [Redact] | [Redact] | 36373833 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): Please find listed [Redacted] Tracking ID # [Redacted] Delivered today [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10291169 | [Redact] | [Redact] | 36716835 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | The mortgage loan contains an impermissible prepayment penalty; however, the Note or Prepay Addendum provides specific language that the prepayment penalty will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-06-17): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Reviewer Comment (2026-06-15): Elevated to the client for review Seller Comment (2026-06-15): Please have this [Redacted] loan escalated to [Redacted]. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10291328 | [Redact] | [Redact] | 36375740 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291344 | [Redact] | [Redact] | 36379528 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | N/A | No | ||||||||||||
| [Redact] | 10291344 | [Redact] | [Redact] | 36667240 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report document is missing from the file. | Reviewer Comment (2026-06-15): Fraud report provided Seller Comment (2026-06-15): [Redacted]: [Redacted]is only required to send you the loan summary report, variance summary, & watch list. No additional documentation is required. Reviewer Comment (2026-06-11): Received Fraud guard loan summary. Complete fraud report with REO details and all the pages are required. Exception Remains. Seller Comment (2026-06-10): [Redacted]: Please see attached fraud report |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | N/A | No | |||||||||||
| [Redact] | 10291344 | [Redact] | [Redact] | 36667242 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC document is missing from the file. | Reviewer Comment (2026-06-11): Received OFAC watchlist. Exception cleared. Seller Comment (2026-06-10): [Redacted]: Please see attached fraud report that shows the watch list OFAC tab |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | N/A | No | |||||||||||
| [Redact] | 10291344 | [Redact] | [Redact] | 36667281 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The desk review has an effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal. | Reviewer Comment (2026-06-15): Revised CDA provided; completed on the final appraisal Seller Comment (2026-06-15): [Redacted]: Please see attached CDA report |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | N/A | No | |||||||||||
| [Redact] | 10291344 | [Redact] | [Redact] | 36667285 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | [Redacted] | OFAC was not provided in the file. | Reviewer Comment (2026-06-11): Received OFAC watchlist. Exception cleared. Seller Comment (2026-06-10): [Redacted]: Please see attached fraud report with the OFAC column listed on the watch list |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | N/A | No | ||||||||||
| [Redact] | 10291344 | [Redact] | [Redact] | 36667288 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | [Redacted] | Fraud report is missing from the file. | Reviewer Comment (2026-06-15): Fraud Report provided Seller Comment (2026-06-15): [Redacted]: [Redacted] is only required to send you the loan summary report, variance summary, & watch list. No additional documentation is required. I was [Redacted]. Reviewer Comment (2026-06-11): Received Fraud guard loan summary. Complete fraud report with REO details and all the pages are required. Exception Remains. Seller Comment (2026-06-10): [Redacted]: Please see attached document |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | N/A | No | ||||||||||
| [Redact] | 10291344 | [Redact] | [Redact] | 36667304 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA Receipt of Appraisal Without Waiver. | 06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | N/A | No | |||||||||||
| [Redact] | 10291344 | [Redact] | [Redact] | 36685117 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease agreement was not provided. | Reviewer Comment (2026-06-11): Received Sales contract addendum Seller Comment (2026-06-10): [Redacted]: The appraisal was completed on [Redacted] and confirmed that only unit 1 was vacant and unit 2-4 are were being rented out however, a purchase agreement addendum was provided dated on [Redacted] that stated the premises shall be delivered vacant free of leases and tenancies. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | N/A | No | |||||||||||
| [Redact] | 10291344 | [Redact] | [Redact] | 36685272 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | N/A | No | ||||||||||||
| [Redact] | 10291344 | [Redact] | [Redact] | 36685982 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-07-01): Source of funds and check provided. Exception cleared. Seller Comment (2026-07-01): [Redacted]: Please see attached check showing that it was coming from [Redact]. Additionally, the note is attached showing that it was a loan from [Redact] to our borrower. Reviewer Comment (2026-06-24): The issue is that we are missing bank statements to source these funds. Please provided bank statements verifying source of funds for cash deposit for amount of $ [Redacted]and $ [Redacted]. Per guidelines EMD as well as any other funds required to close must be supported by [Redacted] months' documentation. Seller Comment (2026-06-23): [Redacted]: When a borrower sends funds other than an EMD to Title on a purchase transaction, the underwriter must enter it as a "Cash Deposit." This causes the cash to close to be offset by the amount sent to title and will also prompt the appropriate credit to appear on the CD in closing. Please see attached CD Reviewer Comment (2026-06-22): CD is not received, received check & letter for $ [Redacted]. The final 1003 reflects the EMD amount as $ [Redacted]; however, the explanation provided indicates that $ [Redacted]is not considered an EMD amount, this is a cash deposit, which appears inconsistent. Please provide the supporting documentation that substantiates the $ [Redacted]figure. Required source documents, nature/type of this asset. Also provide the bank statement sourcing the EMD $ [Redacted]. Exception remains. Seller Comment (2026-06-19): [Redacted] : Please see attached CD that shows that there is only one EMD in the amount $ [Redacted]& Cash deposit of $ [Redacted]that was sent to title. Seller Comment (2026-06-19): [Redacted] : Please see attached CD that shows that there is only one EMD in the amount $ [Redacted] & Cash deposit of $ [Redacted] that was sent to title. Reviewer Comment (2026-06-11): Cleared in error. Reviewer Comment (2026-06-11): Sufficient reserves. Reviewer Comment (2026-06-11): Received check & letter for $ [Redacted]. The final 1003 reflects the EMD amount as $ [Redacted]; however, the explanation provided indicates that $ [Redacted]is not considered an EMD amount, which appears inconsistent. Please provide the supporting documentation that substantiates the $ [Redacted]figure also please confirm the source of this asset. Exception remains. Seller Comment (2026-06-10): [Redacted]: The correct reserve amount was used for qualification.$ [Redacted]* [Redacted]=$ [Redacted] |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | N/A | No | ||||||||||||
| [Redact] | 10291344 | [Redact] | [Redact] | 36685984 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-07-01): Source of funds and check provided. Exception cleared. Seller Comment (2026-07-01): [Redacted]: Please see attached check showing that it was coming from [Redact]. Additionally, the note is attached showing that it was a loan from [Redact] to our borrower. Reviewer Comment (2026-06-24): The issue is that we are missing bank statements to source these funds. Please provided bank statements verifying source of funds for cash deposit for amount of $ [Redacted]and $ [Redacted]. Per guidelines EMD as well as any other funds required to close must be supported by [Redacted]' documentation. Seller Comment (2026-06-23): [Redacted]: When a borrower sends funds other than an EMD to Title on a purchase transaction, the underwriter must enter it as a "Cash Deposit." This causes the cash to close to be offset by the amount sent to title and will also prompt the appropriate credit to appear on the CD in closing. Please see attached CD Reviewer Comment (2026-06-22): CD is not received, received check & letter for $ [Redacted]. The final 1003 reflects the EMD amount as $ [Redacted]; however, the explanation provided indicates that $ [Redacted]is not considered an EMD amount, this is a cash deposit, which appears inconsistent. Please provide the supporting documentation that substantiates the $ [Redacted]figure. Required source documents, nature/type of this asset. Also provide the bank statement sourcing the EMD $ [Redacted]. Exception remains. Seller Comment (2026-06-19): [Redacted] : Please see attached CD that shows that there is only one EMD in the amount $ [Redacted] & Cash deposit of $ [Redacted] that was sent to title. Seller Comment (2026-06-19): [Redacted] : Please see attached CD that shows that there is only one EMD in the amount $ [Redacted]& Cash deposit of $ [Redacted] that was sent to title. Reviewer Comment (2026-06-11): Cleared in error Reviewer Comment (2026-06-11): Sufficient accents Reviewer Comment (2026-06-11): Received check & letter for $ [Redacted]. The final 1003 reflects the EMD amount as $ [Redacted]; however, the explanation provided indicates that $ [Redacted]is not considered an EMD amount, which appears inconsistent. Please provide the supporting documentation that substantiates the $ [Redacted]figure also please confirm the source of this asset. Exception remains. Seller Comment (2026-06-10): [Redacted] has $ [Redacted]and $ [Redacted]listed as the EMD amount however, the [Redacted]is not an EMD but this amount should be used towards the cash to close amount. Please see attached letter and check to support |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | N/A | No | ||||||||||||
| [Redact] | 10291344 | [Redact] | [Redact] | 36720971 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-07-01): Source of funds and check provided. Exception cleared. Seller Comment (2026-07-01): [Redacted] : Please see attached check showing that it was coming from [Redact]. Additionally, the note is attached showing that it was a loan from [Redact] to our borrower. Seller Comment (2026-07-01): [Redacted]: Please see attached check showing that it was coming from [Redact]. Additionally, the note is attached showing that it was a loan from [Redact] to our borrower. Reviewer Comment (2026-06-24): The issue is that we are missing bank statements to source these funds. Please provided bank statements verifying source of funds for cash deposit for amount of $ [Redacted]and $ [Redacted]. Per guidelines EMD as well as any other funds required to close must be supported by [Redacted] months' documentation. Seller Comment (2026-06-23): [Redacted]: When a borrower sends funds other than an EMD to Title on a purchase transaction, the underwriter must enter it as a "Cash Deposit." This causes the cash to close to be offset by the amount sent to title and will also prompt the appropriate credit to appear on the CD in closing. Please see attached CD Reviewer Comment (2026-06-22): CD is not received, received check & letter for $ [Redacted]. The final 1003 reflects the EMD amount as $ [Redacted]; however, the explanation provided indicates that $ [Redacted]is not considered an EMD amount, this is a cash deposit, which appears inconsistent. Please provide the supporting documentation that substantiates the $ [Redacted]figure. Required source documents, nature/type of this asset. Also provide the bank statement sourcing the EMD $ [Redacted]. Exception remains. Seller Comment (2026-06-19): [Redacted] : Please see attached CD that shows that there is only one EMD in the amount $ [Redacted]& Cash deposit of $ [Redacted]that was sent to title. |
07/01/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | C | A | N/A | No | |||||||||||||||||
| [Redact] | 10291350 | [Redact] | [Redact] | 36380167 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291519 | [Redact] | [Redact] | 36386042 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10291519 | [Redact] | [Redact] | 36920150 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing documentation to verify the PITIA for the primary residence. | Reviewer Comment (2026-07-10): Received Mortgage statements, Tax & Insurance verification, HOA verification. Exception cleared. Seller Comment (2026-07-09): Tax Bill [Redacted] |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10291525 | [Redact] | [Redact] | 36386327 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-03): Waived on Rate Lock: Collateral cleared by Custodian |
07/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291834 | [Redact] | [Redact] | 36386742 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): collateral delivered 0[Redacted] via desex tracking [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291834 | [Redact] | [Redact] | 36678152 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-06-29): Received updated HOI policy. Exception cleared. Seller Comment (2026-06-26): Please see attached policy and letter from agent stating there is [Redacted]% extended coverage. Reviewer Comment (2026-06-17): Considered RCE still we have shortfall of $ [Redacted]. Please provide the updated HOI policy or HOI with the guaranteed replacement policy. Exception remains. Seller Comment (2026-06-16): Policy states it was written at replacement cost value. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10291835 | [Redact] | [Redact] | 36386819 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-01): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291835 | [Redact] | [Redact] | 36547385 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | File is missing a signed Business Purpose Certificate. | Reviewer Comment (2026-05-22): Business purpose cert provided Seller Comment (2026-05-22): Please see attached business purpose certificate. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10291835 | [Redact] | [Redact] | 36547417 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file was missing a copy of the Cash-Out Utilization. Note: the fully executed Business Purpose Cert will clear this condition. | Reviewer Comment (2026-05-22): Business purpose cert provided Seller Comment (2026-05-22): Please see attached business purpose certificate. |
05/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10291837 | [Redact] | [Redact] | 36386834 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): [Redacted] Tracking Number [Redacted] |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291973 | [Redact] | [Redact] | 36387329 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10291977 | [Redact] | [Redact] | 36387498 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10291977 | [Redact] | [Redact] | 37013497 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The verification appraisal delivered to the borrower was not provided. | 07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10291977 | [Redact] | [Redact] | 37029433 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-22): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): Please see attached business purpose cert. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10291977 | [Redact] | [Redact] | 37029446 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | The subject is a refinance and is vacant. Per the guides, [Redacted]% of the market rent is used when the property is vacant on a refinance. The min DSCR is [Redacted]. Note: the loan does not meet the parameters per the guides for a DSCR of [Redacted]. | Reviewer Comment (2026-08-04): Received updated final tax bill meets the DSCR requirements. Exception cleared. Seller Comment (2026-08-03): Hello - we provided final tax bill. the $ [Redacted]k was an estimate from smart fees, this document uses the actual tax rate. Reviewer Comment (2026-07-31): Rental amount [Redacted]% is $ [Redacted]and total expenses verified $ [Redacted], tax amount verified $ [Redacted]however UW sheet shows lower amount $ [Redacted]. DSCR is [Redacted]less than the guideline requirement. Exception remains. Seller Comment (2026-07-30): UW management response: The worksheet manually calcs the [Redacted]% factor when the "Vacant Refinance" is marked yes. $ [Redacted]x [Redacted]% = $ [Redacted]/ $ [Redacted]= [Redacted]DSCR. Reviewer Comment (2026-07-29): Provided Tax certificate does not match the UW calculation $ [Redacted]. Received same DSCR worksheet already available in file shows rent amount $ [Redacted]. The subject is a refinance and is vacant. Per the guides, [Redacted]% of the market rent is used when the property is vacant on a refinance. The min DSCR is [Redacted]. Note: the loan does not meet the parameters per the guides for a DSCR of [Redacted]. Exception remains. Seller Comment (2026-07-28): Corrected taxes, DSCR is now [Redacted] - please see attached. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10292233 | [Redact] | [Redact] | 36387783 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10292233 | [Redact] | [Redact] | 36814341 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10292240 | [Redact] | [Redact] | 36387927 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10292240 | [Redact] | [Redact] | 36648077 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-out document is missing in the file. | Reviewer Comment (2026-06-12): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-11): Please see attached business purpose certificate. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10292240 | [Redact] | [Redact] | 36648090 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate is missing in the file. | Reviewer Comment (2026-06-12): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-11): Please see attached business purpose certificate. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10292241 | [Redact] | [Redact] | 36387944 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-16): (Rate Lock) [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10292241 | [Redact] | [Redact] | 36979740 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | LLC is in a [Redacted], which is considered to be the same risk as a [Redacted] and is not eligible per guidelines. Fully executed Client exception approval was missing from the loan file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves where [Redacted] months is minimum ([Redacted]) | [Redact],Originator Pre-Close,Aggregator [Redact] [Redact] |
Reviewer Comment (2026-07-22): Client elected to waive the condition with the following Compensating Factors: [Redacted] months reserves where [Redacted] months is minimum ( [Redacted]) Property management experience dating back to [Redacted] including multiple properties. Credit Depth: [Redacted] years mortgage history and [Redacted]years trade history paid as agreed. Seller Comment (2026-07-21): Attached the Approved Exception. Please Waive. |
07/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10292266 | [Redact] | [Redact] | 36388288 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-19): [Redacted] Tracking Number [Redacted] |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10292266 | [Redact] | [Redact] | 36502297 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure or Change of Circumstance was provided. | Reviewer Comment (2026-06-24): [Redacted] received COC and as per provided LOS snips fee was increased due to CEMA required docs. Seller Comment (2026-06-23): Rebuttal Reviewer Comment (2026-06-18): [Redacted] received rebuttal and title CD, however received title CD is not valid reason for increase of recording fee. Please provide valid COC for increase of recording fee or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-06-17): Please see attached title CD along with screenshot confirmation of receipt of title CD on [Redacted]. These updated title charges were disclosed the following day on the revised LE and within the 3-day window of discovery. Condition to cure is invalid. Reviewer Comment (2026-06-11): [Redacted] received rebuttal, however sec B fees are not subject to [Redacted]% tolerance as no title fee disclosed on sec B of LE. Only recording fee is subject to tolerance. Recording fee increased from $ [Redacted]to $ [Redacted]. Cure of $ [Redacted]is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-06-09): Requesting confirmation of PCCD amount; LE reflected $ [Redacted] under section B and $ [Redacted]recording fee and are subject to [Redacted]% tolerance or $ [Redacted]. CD reflected Section B $ [Redacted]+ $ [Redacted]= $ [Redacted]. Overage of $ [Redacted]. Reviewer Comment (2026-06-05): [Redacted] received rebuttal, however received title prelim CD is not valid reason for increase of recording fee. Please provide additional information why fee increased on [Redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-06-03): Please see the title prelim provided to CCM on [Redacted] or one day prior to the CD reflecting the addition of the CEMA fees. Reviewer Comment (2026-05-27): [Redacted] does not received sufficient information on reason for the recording fee increased. Additionally, provided email confirmation indicates prelim CD received on [Redacted], but it does not give valid reason for the fee increased. Please provide documentation of the reason for the increase in the recording fee What information was received that required the increase in the fee and when was that information received or Cure would be due to borrower. Seller Comment (2026-05-27): Disagree, detailed comments on a COC document was not required by TRID. please clear Reviewer Comment (2026-05-20): [Redacted] received rebuttal, however, provided COC dated [Redacted] indicates "rate lock and settlement charge". but it does not give sufficient information on what impacts and why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2026-05-20): title attestation stating the recording fees were provided on [Redacted]. The LE dated [Redacted], pg [Redacted] [Redacted], reflected the updated recording fee and supported the COC in the file. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10293060 | [Redact] | [Redact] | 36393460 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-10): Waived on Rate Lock: Collateral cleared by Custodian Buyer Comment (2026-06-03): (Rate Lock) [Redacted] Seller Comment (2026-05-29): see attached collateral package with the shipping information. |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10293061 | [Redact] | [Redact] | 36393577 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10293062 | [Redact] | [Redact] | 36393594 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10293247 | [Redact] | [Redact] | 36394711 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10293247 | [Redact] | [Redact] | 36697594 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-06-15): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-12): Please see attached business purpose cert. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10293260 | [Redact] | [Redact] | 36395596 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-05): Waived on Rate Lock: Collateral cleared by Custodian |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10293260 | [Redact] | [Redact] | 36648729 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Initial 1003 states the borrower would occupy the subject as a primary residence. | 06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10293416 | [Redact] | [Redact] | 36397155 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-03): (Rate Lock) Collateral tracking [Redacted]. Shipped [Redacted] |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10293416 | [Redact] | [Redact] | 36608783 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10293698 | [Redact] | [Redact] | 36397498 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10293698 | [Redact] | [Redact] | 36580441 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10293698 | [Redact] | [Redact] | 36585901 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | 05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10293698 | [Redact] | [Redact] | 36586115 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The lender did not include the PITIA for the primary residence of $[Redacted] per month in the DTI. Unable to determine why the PITIA was removed. Note: it appears the lender may have excluded consumer debts from the DTI as well; however unable to determine which debts were excluded and verify the documentation to exclude the debts. | Reviewer Comment (2026-07-14): Received and associated updated 1003 and 1008. Exception cleared. Seller Comment (2026-07-14): [Redacted]- [Redacted]: Please see attached. There is unused rental income from the subject that was not considered for qualification. Seller Comment (2026-07-14): [Redacted] - [Redacted]: Please see attached. There is unused rental income from the subject that was not considered for qualification. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10294133 | [Redact] | [Redact] | 36400949 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10295127 | [Redact] | [Redact] | 36402036 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-20): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-18): (Rate Lock) Collateral delivered 5/15/26. Tracking 523314536714. Thanks! |
05/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | A | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10295127 | [Redact] | [Redact] | 36457756 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | 442 not provided. | Reviewer Comment (2026-05-15): Inspection report provided Seller Comment (2026-05-14): (Rate Lock) An inspection was completed, confirming that no asbestos materials or fibers are present in the piping. The report from [Redacted] Environmental Restoration provides explicit clearance and confirms that no remediation is required. This documentation satisfies the appraisal's "subject to" condition, as the required inspection has been completed with a satisfactory outcome. Because no repairs or further action are necessary, the original appraised value remains supported and unchanged. Please waive condition. Thanks! |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | A | A | A | A | C | A | N/A | No | ||||||||||
| [Redact] | 10296040 | [Redact] | [Redact] | 36402457 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-17): (Rate Lock) [Redacted]-Note Tracking |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10296040 | [Redact] | [Redact] | 36722915 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10296040 | [Redact] | [Redact] | 36739071 | Credit | Missing Document | General | Missing Document | Missing Document: Exchange Agreement not provided | Exchange agreement was not provided and was required by guidelines. | Reviewer Comment (2026-06-24): Doc provided. Exception cleared. Seller Comment (2026-06-23): (Rate Lock) echange agreement |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10296129 | [Redact] | [Redact] | 36402977 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-29): (Rate Lock) [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10296129 | [Redact] | [Redact] | 36782462 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Request approval for [Redacted]% LTV on a DSCR refinance despite temporary vacancy. The property is part of a build-to-rent program.. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Reserves: [Redacted] [Redacted] months reserves where [Redacted] is required liquid reserves ([Redacted]) | Aggregator,[Redact] | Reviewer Comment (2026-06-23): Client elected to waive the condition with the following Compensating Factors: DSCR of [Redacted]where [Redacted]is minimum Reserves: [Redacted] months reserves where [Redacted] is required liquid reserves ( [Redacted]) Credit Depth: [Redacted]years trade history and [Redacted]years mortgage history paid as agreed. |
06/23/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10296972 | [Redact] | [Redact] | 36403083 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10296977 | [Redact] | [Redact] | 36403085 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10296977 | [Redact] | [Redact] | 36715791 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-31): Compliant HPML Seller Comment (2026-07-28): [Redacted] [Redacted] Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. Reviewer Comment (2026-07-21): The condition is valid, for a Higher-Priced Mortgage Loan (HPML) flip, the Consumer Financial Protection Bureau (CFPB) mandates a second appraisal at the lender's expense to prevent predatory pricing. Condition remains Seller Comment (2026-07-20): For an HPML property-flip transaction, the borrower can be charged for the required second appraisal; the lender is not required by Regulation Z to pay for it. Seller Comment (2026-07-20): if a builder or developer acquired the land, built the home, and is now selling the completed property to the borrower shortly after acquisition, then the flip analysis would focus on the builder/developer's acquisition date, not the borrower's. Reviewer Comment (2026-07-17): The Flipped Property rule applies to new construction. The sellers purchase of the property on [Redacted] for $ [Redacted]is used for testing. This has been previously elevated to the [Redacted] compliance department and the conditions are valid. Condition remains Seller Comment (2026-07-16): [Redacted] Per § 1026.35(c)(2)(iv): this is a new construction therefore flip would not apply in this scenario. Reviewer Comment (2026-07-15): New construction does not eliminate the HPML Flipped testing. The seller acquired the property on [Redacted] for $ [Redacted]and two full appraisals were required. Two full appraisals were obtained; however the borrower paid for both appraisals, which violates the HPML rules. The condition is valid and remains open. Seller Comment (2026-07-13): Disagree - this is a new construction therefore flip would not apply in this scenario Reviewer Comment (2026-07-13): The condition is not firing due to the proof of receipt, the loan is failing HPML due to the borrower was charged and paid for two appraisals. Condition is valid and remains open Seller Comment (2026-07-10): [Redacted] [Redacted] Please see attached Reviewer Comment (2026-06-30): The condition is not firing due to the proof of receipt, the loan is failing HPML due to the borrower was charged and paid for two appraisals. Condition is valid and remains open Seller Comment (2026-06-26): [Redacted]: Please see the attached Appraisal Delivery Packages dated [Redacted] and [Redacted], and Letter of Explanation from borrower indicating they received the 2nd appraisal on [Redacted], 3 days or more prior to consummation |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10296977 | [Redact] | [Redact] | 36715792 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. | Flipped Property - Creditor improperly charged consumer for two (2) appraisals. | Reviewer Comment (2026-07-31): [Redacted] received corrected CD, LOE to borrower, copy of refund check and proof of delivery. Seller Comment (2026-07-28): [Redacted] [Redacted] Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. Reviewer Comment (2026-07-21): The condition is valid, for a Higher-Priced Mortgage Loan (HPML) flip, the Consumer Financial Protection Bureau (CFPB) mandates a second appraisal at the lender's expense to prevent predatory pricing. Condition remains Seller Comment (2026-07-20): For an HPML property-flip transaction, the borrower can be charged for the required second appraisal; the lender is not required by Regulation Z to pay for it. Seller Comment (2026-07-20): if a builder or developer acquired the land, built the home, and is now selling the completed property to the borrower shortly after acquisition, then the flip analysis would focus on the builder/developer's acquisition date, not the borrower's. Reviewer Comment (2026-07-17): The Flipped Property rule applies to new construction. The sellers purchase of the property on [Redacted] for $ [Redacted]is used for testing. This has been previously elevated to the [Redacted] compliance department and the conditions are valid. In order to cure, provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter). Condition remains Seller Comment (2026-07-16): Per § 1026.35(c)(2)(iv): this is a new construction therefore flip would not apply in this scenario. Reviewer Comment (2026-07-15): New construction does not eliminate the HPML Flipped testing. The seller acquired the property on [Redacted] for $ [Redacted]and two full appraisals were required. Two full appraisals were obtained; however the borrower paid for both appraisals, which violates the HPML rules. The condition is valid and remains open. Seller Comment (2026-07-13): Disagree - this is a new construction therefore flip would not apply in this scenario Reviewer Comment (2026-07-13): The condition is not firing due to the proof of receipt, the loan is failing HPML due to the borrower was charged and paid for two appraisals. Condition is valid and remains open Seller Comment (2026-07-10): [Redacted] [Redacted] Please see attached Reviewer Comment (2026-06-30): The condition is not firing due to the proof of receipt, the loan is failing HPML due to the borrower was charged and paid for two appraisals. Condition is valid and remains open Seller Comment (2026-06-26): [Redacted]: Please advise if reimbursement of $ [Redacted]sufficient to cure citing, with corrected CD, letter of explanation, and [Redacted] delivery tracking |
07/31/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Provide evidence of the refund of the amount charged to the consumer for the second appraisal performed on the subject property. (Include a copy of the Refund Check, Proof of Delivery, and Cover Letter) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10296977 | [Redact] | [Redact] | 36715795 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-11): Sufficient Cure Provided At Closing |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10296977 | [Redact] | [Redact] | 36716728 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The verification appraisal delivered to the borrower was not provided. | 06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10296977 | [Redact] | [Redact] | 36716729 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The verification appraisal delivered to the borrower was not provided. | 06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10296977 | [Redact] | [Redact] | 36716730 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-29): Received and associated right to receive of copy of appraisal. Exception cleared. Seller Comment (2026-06-26): [Redacted]: Please see the attached Appraisal Delivery Packages dated [Redacted] and [Redacted], and Letter of Explanation from borrower indicating they received the 2nd appraisal on [Redacted], 3 days or more prior to consummation |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10296977 | [Redact] | [Redact] | 36716733 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing Disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing, or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Reviewer Comment (2026-06-25): [Redacted] received LOE. Seller Comment (2026-06-24): CT [Redacted]: Please see the attached attestation. The cited Closing Disclosure in the file with blank issue date was generated by title to balance and was NOT issued to the borrower. Please remove this CD from your analysis. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Good Faith Redisclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10296977 | [Redact] | [Redact] | 36716734 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]% tolerance was exceeded by $[Redacted] due to an increase in Appraisal Fee [Redacted]. No valid COC provided, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-09): Cured at closing or within [Redacted] days of consummation prior to TPR review Seller Comment (2026-07-08): CT [Redacted]: A tolerance credit in the amount of $ [Redacted] for the appraisal fee was reflected on the final Closing Disclosure |
07/09/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10296977 | [Redact] | [Redact] | 36716735 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee [Redacted]. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee [Redacted] was not disclosed on the Loan Estimate. The file does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-29): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-07-28): [Redacted] [Redacted] Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. Reviewer Comment (2026-07-20): [Redacted] received rebuttal, however in file there are only 2 appraisals available. Please provide any missing appraisal and additional information why 3rd appraisal was required as COC available in file does not provide sufficient information why fee added. Seller Comment (2026-07-16): [Redacted] Per § 1026.35(c)(2)(iv): this is a new construction therefore flip would not apply in this scenario. Reviewer Comment (2026-06-30): [Redacted] Yes, Refund of $ [Redacted] to borrower is sufficient to cure this exception. Cure docs included PCCD, LOE, Refund Check and Proof of Mailing. Seller Comment (2026-06-26): [Redacted]: Please advise if reimbursement of $ [Redacted]sufficient to cure citing, with corrected CD, letter of explanation, and [Redacted] delivery tracking |
07/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10296977 | [Redact] | [Redact] | 36716919 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-06-25): [Redacted] received LOE. Seller Comment (2026-06-24): CT [Redacted]: Please see the attached attestation. The cited Closing Disclosure in the file with blank issue date was generated by title to balance and was NOT issued to the borrower. Please remove this CD from your analysis. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||
| [Redact] | 10296968 | [Redact] | [Redact] | 36403094 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10297164 | [Redact] | [Redact] | 36403835 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): [Redacted] Tracking Number [Redacted] |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10297171 | [Redact] | [Redact] | 36403856 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10297546 | [Redact] | [Redact] | 36408326 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-21): Waived on Rate Lock: Collateral cleared by Custodian |
05/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10297546 | [Redact] | [Redact] | 36489252 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-14): Sufficient Cure Provided At Closing |
05/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298134 | [Redact] | [Redact] | 36410954 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-02): [Redacted] Tracking Number [Redacted] |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10298134 | [Redact] | [Redact] | 36626080 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-06-01): Client elected to waive the condition on the Non-QM 1st lien |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10298134 | [Redact] | [Redact] | 36632982 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per the guidelines, layered entities are ineligible. The borrowing entity on the loan, [Redacted] is owned solely by [Redacted]. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more. | Client elects to waive with compensating factors: $[Redacted] post-close reserves ([Redacted] months or [Redacted]x) | [Redact],Aggregator | Reviewer Comment (2026-06-24): Client elects to waive with compensating factors: [Redacted]% LTV is [Redacted]% below max ( [Redacted]%), $ [Redacted]post-close reserves ( [Redacted] months or [Redacted]x) and Credit depth: [Redacted]-year credit history including [Redacted]-year mortgage history paid as agreed. |
06/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||
| [Redact] | 10298134 | [Redact] | [Redact] | 36633148 | Credit | Asset | Asset Eligibility | Asset | Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines | Per the guidelines, the maximum allowable interested party concessions is [Redacted]%. The borrowers received interested party concessions of $[Redacted] or [Redacted]%. The borrowers received a seller credit of $[Redacted] and a Realtor Credit of $[Redacted]. The interested party concessions exceeded the maximum by $[Redacted]. | Reviewer Comment (2026-07-17): Received updated 1008 with the corrected loan amount. Exception cleared. Seller Comment (2026-07-16): revised 1008 Reviewer Comment (2026-07-13): Revised 1008 identified an incorrect loan amount, causing the adjusted LTV to not match the correct LTV. The reduced sales price of $ [Redacted]was correct, but the loan amount identified on the 1008 was $ [Redacted]; however, the actual loan amount is $ [Redacted]. Provide a revised 1008 correcting the loan amount to $ [Redacted], resulting in a revised LTV of [Redacted]%. Condition remains Seller Comment (2026-07-10): please see attached updated 1008 reflecting excess IPC reduced from the sales price Reviewer Comment (2026-06-15): The realtor credit must be included in the IPC's. The borrower paid the real estate commission on the final CD, not the seller. Seller paid real estate commission is not included in the IPC calculations. The condition is valid and remains open. Note: the only cure for this is to reduce the sales price by the amount of IPC's that exceed the max. Provide a revised 1008 reducing the sales price to $ [Redacted]and updating the LTV/CLTV to [Redacted]% and the condition will be cleared. Seller Comment (2026-06-11): please see attached and remove the $ [Redacted] from your IPC calculations. real estate commission are commonly known to be paid by the seller, as it is listed in the purchase contract. these seller paid items are excluded. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10298144 | [Redact] | [Redact] | 36411183 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): [Redacted] Tracking Number [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298317 | [Redact] | [Redact] | 36411773 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298459 | [Redact] | [Redact] | 36415846 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298459 | [Redact] | [Redact] | 36640460 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. The file does not contain a valid Change of Circumstance (COC) for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-12): [Redacted] received COC dated [Redacted] Seller Comment (2026-06-11): Please see attached reason why we needed an appraisal rush Reviewer Comment (2026-06-09): [Redacted] received COC dated [Redacted] stating "Rish fee".However, we would require additional information as to what caused the rush fee to be initiated which increased Appraisal fee on CD dated [Redacted] for $ [Redacted]or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment (2026-06-05): [Redacted] Please see attached confirmation that the appraisal rush was requested on [Redacted]. Our client is the broker, we do not have direct communication with the borrower as a wholesale lender. The broker is the advocate for the borrower and this is acceptable for confirmation of rush request along with the previously disclosed cofc, invoice paid by borrower, and redisclosure to borrower Reviewer Comment (2026-06-05): [Redacted] received COC dated 0[Redacted] for increase in fee due to rush but the reason provided is not sufficient. Please provide additional information and documentation to support a valid changed circumstance to add the [Redacted] appraisal fee to the appraisal total. Invalid increases due to addition of appraisal rush fees was addressed on page [Redacted] of the [Redacted] Supervisory Highlight found here: [Redacted]. If there is a valid changed circumstance such as new information not previously known to the creditor for the increase in appraisal fee, please provide documentation to support and when creditor became aware of new information. When was it determined that appraisal would need rushed and why. Otherwise, cure is required for both the increase in appraisal fee due to appraisal rush fee. Cure documents includes Corrected CD, LOE to borrower, copy of cure refund and proof of mailing. Seller Comment (2026-06-04): [Redacted] Please see attached Change Of Circumstances Request, Closing Disclosure, Trid Worksheet, and Appraisal Invoice. The Borrower requested a rush on the Appraisal, please see attached approved COFC. A Closing Disclosure was sent out same day [Redacted] Seller Comment (2026-06-04): [Redacted] Please see attached Change Of Circumstances Request, Closing Disclosure, Trid Worksheet, and Appraisal Invoice. The Borrower requested a rush on the Appraisal, please see attached approved COFC. A Closing Disclosure was sent out same day [Redacted] |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10298454 | [Redact] | [Redact] | 36415869 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298469 | [Redact] | [Redact] | 36416125 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-22): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-20): [Redacted] Tracking Number [Redacted] |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298469 | [Redact] | [Redact] | 36540973 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Lender excluded the departure residence PITIA from the DTI. Per the guides, an additional 6 months reserves are required. | Reviewer Comment (2026-05-29): Additional assets provided Seller Comment (2026-05-29): Borrower retirement account. annual statements are only provided by [Redacted]. Reviewer Comment (2026-05-29): Lender Exception is not received. Exception remains. Seller Comment (2026-05-28): requesting exception; per title, borrower sold the property before the first payment date. Compensating factors of [Redacted]FICO, [Redacted]+ years employment for both borrowers, [Redacted]% LTV ratio with a CU score of [Redacted] Reviewer Comment (2026-05-28): The property was sold after the subject loan was closed and therefore must adhere to the guideline requirements for [Redacted] additional months reserves. Condition is valid and remains open Seller Comment (2026-05-27): Please see [Redacted]confirming the property was sold and the mortgages were release Reviewer Comment (2026-05-22): The release was for the HELOC on the departure residence; the first lien is still open and was excluded from the DTI. The file is missing the required docs to exclude the PITIA from the DTI (Appraisal verifying equity, LOE from borrower, etc..) and the additional reserve requirement is valid. Condition remains Seller Comment (2026-05-21): Please see the release of mortgage and final HUD reflecting the sale prior to closing |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10298469 | [Redact] | [Redact] | 36540976 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | [Redacted] ___ | The lender excluded the PITIA for the departure residence from the DTI. Per the guides, the following are required: Purchase contract for pending sale or proof of listing; LOE from borrower stating the intent; Appraisal or verifying the equity. | Reviewer Comment (2026-06-03): BPO and contract provided to meet the guideline requirements Reviewer Comment (2026-06-03): Received BPO. Please provide the LOE from borrower stating the intent and Appraisal. Exception remains. Seller Comment (2026-06-02): BPO supporting equity Reviewer Comment (2026-05-29): A copy of the purchase agreement for the sale of the departure residence was provided. The file is still missing the LOE from the borrower stating the intent and the appraisal verifying the equity. Condition remains Seller Comment (2026-05-29): departure sales contract Reviewer Comment (2026-05-29): Lender Exception is not received. Exception remains. Seller Comment (2026-05-28): requesting exception; per title, borrower sold the property before the first payment date. Compensating factors of [Redacted]FICO, [Redacted]+ years employment for both borrowers, [Redacted]% LTV ratio with a CU score of [Redacted] Reviewer Comment (2026-05-28): The property was sold after the subject loan was closed and therefore must adhere to the guideline requirements for [Redacted] additional months reserves and other requirements to exclude the PITIA from the DTI. Condition is valid and remains open Seller Comment (2026-05-27): Please see [Redacted]confirming the property was sold and the mortgages were release Reviewer Comment (2026-05-22): The release was for the HELOC on the departure residence; the first lien is still open and was excluded from the DTI. The file is missing the required docs to exclude the PITIA from the DTI (Appraisal verifying equity, LOE from borrower, etc..) and the additional reserve requirement is valid. Condition remains Seller Comment (2026-05-21): Please see the release of mortgage and final HUD reflecting the sale prior to closing |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10298469 | [Redact] | [Redact] | 36540978 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-01): Client elected to waive the condition with the following compensating factors: Residual income of $[Redacted]where $[Redacted]is minimum ([Redacted]X) Job stability: [Redacted]years in the field with B1 on the job [Redacted]years. Credit: [Redacted] year mortgage history paid as agreed Reviewer Comment (2026-07-01): Upon further review, the additional assets (Pension plan) provided are not eligible and have been removed from the reserve calculations. As a result, the reserves verified were insufficient to meet the guideline requirement. Reviewer Comment (2026-05-29): Additional assets provided Reviewer Comment (2026-05-29): Elevated to the client for review for a possible exception. Guidelines require [Redacted] months additional PITIA reserves when the departure residence (pending sale) was excluded from the DTI. The departure residence was sold after the subject loan closed and proof in file. Seller Comment (2026-05-28): requesting exception; per title, borrower sold the property before the first payment date. Compensating factors of [Redacted]FICO, [Redacted]+ years employment for both borrowers, [Redacted]% LTV ratio with a CU score of [Redacted]. Reviewer Comment (2026-05-28): The property was sold after the subject loan was closed and therefore must adhere to the guideline requirements for [Redacted] additional months reserves and other requirements to exclude the PITIA from the DTI. Condition is valid and remains open Seller Comment (2026-05-27): Please see [Redacted]confirming the property was sold and the mortgages were release Reviewer Comment (2026-05-22): The release was for the HELOC on the departure residence; the first lien is still open and was excluded from the DTI. The file is missing the required docs to exclude the PITIA from the DTI (Appraisal verifying equity, LOE from borrower, etc..) and the additional reserve requirement is valid. Condition remains Seller Comment (2026-05-21): Please see the release of mortgage and final HUD reflecting the sale prior to closing |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298469 | [Redact] | [Redact] | 36540979 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reserve requirement not met | Reviewer Comment (2026-07-01): Client elected to waive the condition with the following compensating factors: Residual income of $[Redacted]where $[Redacted]is minimum ([Redacted]X) Job stability: [Redacted] years in the field with B1 on the job [Redacted]years. Credit: [Redacted] year mortgage history paid as agreed Reviewer Comment (2026-07-01): Upon further review, the additional assets (Pension plan) provided are not eligible and have been removed from the reserve calculations. As a result, the reserves verified were insufficient to meet the guideline requirement. Reviewer Comment (2026-05-29): Additional assets provided Seller Comment (2026-05-29): retirement statement provided Reviewer Comment (2026-05-29): Elevated to the client for review for a possible exception. Guidelines require [Redacted] months additional PITIA reserves when the departure residence (pending sale) was excluded from the DTI. The departure residence was sold after the subject loan closed and proof in file. Seller Comment (2026-05-28): requesting exception; per title, borrower sold the property before the first payment date. Compensating factors of [Redacted] FICO, [Redacted]+ years employment for both borrowers, [Redacted]% LTV ratio with a CU score of [Redacted]. Reviewer Comment (2026-05-28): The property was sold after the subject loan was closed and therefore must adhere to the guideline requirements for [Redacted] additional months reserves and other requirements to exclude the PITIA from the DTI. Condition is valid and remains open Seller Comment (2026-05-27): Please see [Redacted]confirming the property was sold and the mortgages were release Reviewer Comment (2026-05-22): The release was for the HELOC on the departure residence; the first lien is still open and was excluded from the DTI. The file is missing the required docs to exclude the PITIA from the DTI (Appraisal verifying equity, LOE from borrower, etc..) and the additional reserve requirement is valid. Condition remains Seller Comment (2026-05-21): Please see the release of mortgage and final HUD reflecting the sale prior to closing |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10298469 | [Redact] | [Redact] | 36611354 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Asset Account is more than [Redacted] days prior to the note. | [Redacted] | Per the guidelines, asset statements are required to be dated within 120 days of closing. The statement end date of [Redacted] is more than 120 days from the Note date. | Reviewer Comment (2026-07-01): Upon further review, the additional assets (Pension plan) provided are not eligible and have been removed from the reserve calculations. As a result, the reserves verified were insufficient to meet the guideline requirement. Reviewer Comment (2026-06-26): Reserve requirement is met however provided bank statement is ([Redacted]) older than 120 days. Please provide the recent statements. Exception Remains. Seller Comment (2026-06-25): (Rate Lock) Subject loan required 6 months reserves plus [Redacted] months reserves for the use of a BPO to support the omission of a departure residence under contract. Requested exception to allow for no reserves for departure residence as the home was sold shortly after closing for a significant amount. Comp factors: B1 employed for [Redacted] + years with same employer, [Redacted] FICO, previous home was sold [Redacted] days after closing. CD from sale of departure residence and release of mortgage in possession Reviewer Comment (2026-06-03): Statement is given for [Redacted] which is more than [Redacted]days. Please provide the recent statements. Exception Remains. Seller Comment (2026-06-02): The statements are generated annually per the website. Statement also reflected "annual statement" |
07/01/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [Redact] | 10298469 | [Redact] | [Redact] | 36867218 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Upon further review, the additional assets (Pension plan) provided are not eligible and have been removed from the reserve calculations. As a result, the reserves verified were insufficient to meet the guideline requirement. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Residual income of $[Redacted] where $[Redacted]is minimum ([Redacted]) Job stability: [Redacted] years in the field with B1 on the job [Redacted] years. |
[Redact],Aggregator [Redact] Aggregator,[Redact] [Redact] [Redact] |
Reviewer Comment (2026-07-01): Client elected to waive the condition with the following compensating factors: Residual income of $[Redacted]where $[Redacted]is minimum ([Redacted]) Job stability: [Redacted]years in the field with B1 on the job [Redacted]years. Credit: [Redacted]year mortgage history paid as agreed |
07/01/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298471 | [Redact] | [Redact] | 36416226 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-15): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10298471 | [Redact] | [Redact] | 36970115 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10298471 | [Redact] | [Redact] | 36974451 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | [Redacted] | The declarations section of the initial and final 1003 for 2nd co-borrower ([Redacted]) identified that the property would be occupied as a primary residence. Provide a revised 1003 correcting the declarations section. | Reviewer Comment (2026-07-17): Revised 1003 provided correcting the declarations section Seller Comment (2026-07-15): 1003 |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10298472 | [Redact] | [Redact] | 36416346 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): [Redacted] Tracking Number [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298472 | [Redact] | [Redact] | 36676290 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying assets for closing of $[Redacted] is less than cash from borrower $[Redacted]. Secured Loan Final Closing Disclosure/HUD was not provided. | Reviewer Comment (2026-06-15): Note provided. Exception cleared. Seller Comment (2026-06-12): Note Reviewer Comment (2026-06-12): Per guidelines "The terms of repayment for the loan and the secured nature of the loan must be verified by obtaining a copy of the note". Please provide a copy of the note. Seller Comment (2026-06-10): [Redacted] |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10298472 | [Redact] | [Redact] | 36676306 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Secured Loan Final Closing Disclosure/HUD was not provided. | Reviewer Comment (2026-06-15): Note provided. Exception cleared. Seller Comment (2026-06-15): See upload Reviewer Comment (2026-06-12): Per guidelines "The terms of repayment for the loan and the secured nature of the loan must be verified by obtaining a copy of the note". Please provide a copy of the note. Seller Comment (2026-06-10): See upload |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10298509 | [Redact] | [Redact] | 36417130 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): [Redacted] Tracking Number [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298655 | [Redact] | [Redact] | 36418264 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-29): (Rate Lock) [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298655 | [Redact] | [Redact] | 36807367 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298662 | [Redact] | [Redact] | 36418496 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-29): [Redacted] Tracking Number [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298662 | [Redact] | [Redact] | 36827016 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-02): Confirmation from insurance company verified guaranteed replacement cost coverage Seller Comment (2026-07-01): HOI Email Seller Comment (2026-06-30): Please see [Redacted]. Contains replacement cost value and will not exceed that amount. Per [Redacted] statute no RCEs |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10298662 | [Redact] | [Redact] | 36831934 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lease agreement was not provided. | Reviewer Comment (2026-07-21): Revised appraisal verifying the property is vacant was provided. Vacant properties are allowed on a refinance per the guides with a [Redacted]% LTV reduction. Seller Comment (2026-07-20): revised appraisal Reviewer Comment (2026-07-16): The property is "Tenant" occupied per the appraisal. Per the guides, the lease is required, If the property is vacant, a revised appraisal identifying the property as vacant is required and a [Redacted]% LTV reduction will be applied and the market rent from the 1007 of $[Redacted] will be used to calculate the DSCR. Condition is valid and remains open Seller Comment (2026-07-14): The rent was used from the 1007 [Redacted]. Reviewer Comment (2026-07-08): Seller rebuttal states short term rental income was used to qualify; however the file does not contain the documentation to verify the STR. Condition remains Seller Comment (2026-07-07): See [Redacted]. Short Term Vacation Rental Reviewer Comment (2026-07-02): Agreed the property is tenant occupied. A copy of the lease agreement is required. Note: there is a lease agreement in file; however it is not for the subject. Condition is valid and remains open Seller Comment (2026-06-30): page [Redacted] shows month to month clause. Also Appraisal states tenant occupancy and not vacant. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10298661 | [Redact] | [Redact] | 36418628 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10298661 | [Redact] | [Redact] | 36697606 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-08-17): Received RCE. Exception cleared. Seller Comment (2026-08-14): RCE Reviewer Comment (2026-07-24): The FNMA method was used to determine the coverage requirement. Since the appraisal did not provide the Total Estimate of Cost New, [Redacted]% of the appraised value is the insured value and coverage of at least $[Redacted]is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition remains Seller Comment (2026-07-23): HOI policy shows dwelling coverage of $[Redacted]. The loan amount is $[Redacted]. HOI Coverage is more than the loan amount. Reviewer Comment (2026-06-12): Please provide the updated HOI policy or HOI with guaranteed replacement. Exception remains. Seller Comment (2026-06-11): HOI policy shows replacement costs incl ord/law |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10298867 | [Redact] | [Redact] | 36419177 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298867 | [Redact] | [Redact] | 36648439 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Total of Payments on page [Redacted] that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated [Redacted]). The disclosed Total of Payments in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated total of payments of $[Redacted] which exceeds the $[Redacted] threshold. | The disclosed Total of Payments in the amount of $[Redacted] is under-disclosed by $[Redacted] compared to the calculated Total of Payments of $[Redacted], which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-06-10): [Redacted] received Corrected CD, LOE to borrower and final settlement statement confirming final for fees with no increase in fees in section D. Seller Comment (2026-06-09): [Redacted] Please see attached Letter of Explanation, Post-Closed Closing Disclosure, Proof of Delivery. Reviewer Comment (2026-06-05): Please provide PCCD, LOE, and proof of mailing to cure the exception. Seller Comment (2026-06-04): [Redacted] Please see attached settlement statement that shows the borrower was only charged for $[Redacted] for the Credit report. Borrower should of only gotten the lender credit of $[Redacted]that is shown. therefor for this TOP is correct at $[Redacted] |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10298867 | [Redact] | [Redact] | 36656327 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-06-03): Sufficient Cure Provided within [Redacted] Days of Closing |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298867 | [Redact] | [Redact] | 36656328 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-06-03): Sufficient Cure Provided within [Redacted] Days of Closing |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298867 | [Redact] | [Redact] | 36701260 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure at closing | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||
| [Redact] | 10298858 | [Redact] | [Redact] | 36419179 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298858 | [Redact] | [Redact] | 36823691 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Client approved exception; the Guidelines state a minimum of six (6) months must have elapsed since the most recent mortgage transaction on the subject property (either the original purchase transaction or subsequent refinance). This timeframe is measured from the note date of the previous transaction to the note date of the current transaction. Borrower acquired the property Redacted] and fully demolished the subject. Borrower then obtained a hard money loan on [Redacted] to rebuild the subject property that we are now satisfying through our transaction. Both appraisals on file were made subject to completion per plans and specifications. A final inspection will be provided prior to closing, confirming the construction is complete. Borrower confirms they intend to use the cash-out proceeds for future home improvements to the subject. The anticipated closing date for our transaction is [Redacted]. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Client elect to waive with compensating factors: DTI is [Redacted] where [Redacted] is maximum | [Redact],Aggregator | Reviewer Comment (2026-06-25): Client elect to waive with compensating factors: LTV [Redacted] where [Redacted]is maximum DTI is [Redacted]where [Redacted]is maximum Tied to the home/community- homeownership length: subject home ownership for [Redacted]years. |
06/25/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10298858 | [Redact] | [Redact] | 36823873 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-25): Sufficient Cure Provided At Closing |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298858 | [Redact] | [Redact] | 36823984 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10298871 | [Redact] | [Redact] | 36419180 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10298871 | [Redact] | [Redact] | 36650789 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-06-03): Client elected to waive the condition on the Non-QM 1st lien |
06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10298871 | [Redact] | [Redact] | 36650792 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-03): Sufficient Cure Provided At Closing |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10298856 | [Redact] | [Redact] | 36419185 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10299375 | [Redact] | [Redact] | 36425501 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-17): (Rate Lock) Tracking #[Redacted] shipped [Redacted] |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10299375 | [Redact] | [Redact] | 36717359 | Credit | Guideline | Guideline Issue | Guideline | Guidelines require two years of Tax Transcripts (1040) when 1040 personal tax returns were used to qualify. File contains fewer than two 1040 transcripts. | [Redacted] | Missing required Transcript (1040) or W-2 Transcript. | Reviewer Comment (2026-07-27): Transcripts provided. Exception cleared. Seller Comment (2026-07-23): (Rate Lock) Transcripts [Redacted]& [Redacted]. Thanks! Reviewer Comment (2026-06-30): Per the guidelines: Transcripts for personal tax returns are required unless the specific documentation requirements indicate transcripts are not required. The guidelines do not specifically state transcripts are NOT required for the wage earner and retirement income. Condition is valid and remains open Seller Comment (2026-06-26): (Rate Lock) Tax returns were not used to verify mark's income. Tax returns transcripts not required. Condition is not valid. Please see rebuttal and remove conditon |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10299375 | [Redact] | [Redact] | 36720381 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | [Redacted] | HOA verification was not provided. | Reviewer Comment (2026-07-07): Verification of no HOA dues provided Seller Comment (2026-07-06): (Rate Lock) Remaining $[Redacted] is a cushion and does not represent hoa. Please see uploaded explanation. Please clear condition as nothing further can be provided. Reviewer Comment (2026-06-29): Received property report, doc ID [Redacted]shows the Ins, maint, Taxes & Misc $[Redacted]however unable to determine which year expenses these are and exact tax amount unable to identify, previously provided tax certificate ([Redacted]) shows taxes $[Redacted]annually. Please provide the proper documentation to verify the remaining expenses $[Redacted]. Exception remains. Seller Comment (2026-06-26): (Rate Lock) [Redacted] is a SFR. Documents uploaded support SFR with no indication of HOA. Fraud guard report in file supports no HOA. Additional source, realtor.com printout, also supports no HOA. There is no HOA. Conditions satisfied with provided uploads. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10299375 | [Redact] | [Redact] | 36723660 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10299602 | [Redact] | [Redact] | 36429316 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-12): (Rate Lock) Delivered [Redacted]. Tracking [Redacted]. Thanks! |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10299602 | [Redact] | [Redact] | 36668093 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10299602 | [Redact] | [Redact] | 36668169 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage amount is insufficient. Coverage shortfall $[Redacted]. Provide updated hazard insurance policy with dwelling coverage of at least $[Redacted] or replacement cost estimator. | Reviewer Comment (2026-06-23): Received estimator showing replacement cost new $[Redacted]. Exception cleared. Seller Comment (2026-06-22): (Rate Lock) RCE uploaded to confirm insurance coverage is sufficient. Thanks! Reviewer Comment (2026-06-16): Other structures are not included in the testing for sufficient coverage. The testing is accurate based on the client's deal settings and the coverage is insufficient. Provide an estimated replacement cost estimator or documentation from the insurance company verifying the policy contains guaranteed replacement cost. Condition is valid and remains open Seller Comment (2026-06-15): (Rate Lock) Plaza respectfully disagrees with condition. The GSE method requires that hazard insurance coverage be based on the replacement cost of the insurable improvements for the primary dwelling (Coverage A), not the Total Estimate of Cost New. The appraisal separates the cost components as follows: * Dwelling replacement cost: $[Redacted] * Barn: $[Redacted] * Garage/Carport: $[Redacted] The Total Estimate of Cost New of $[Redacted] includes multiple structures beyond the primary dwelling. Under GSE guidelines, these additional structures are not included in the calculation of the minimum required Coverage A. Applying the GSE standard correctly: * Required coverage is based on the dwelling replacement cost of $[Redacted], not $[Redacted] * 80% of the dwelling replacement cost = $[Redacted] The current policy provides: * Coverage A (Dwelling): $[Redacted], which exceeds the required $[Redacted] As such, the subject property meets GSE insurance coverage requirements, and no additional coverage increase or documentation is warranted. Reviewer Comment (2026-06-15): The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted]and [Redacted]% of this value is identified as insured value. Coverage of at least $[Redacted] is required. The insurance is insufficient by $[Redacted]. Provide a copy of the replacement cost estimator from the insurance company, a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains. Seller Comment (2026-06-12): (Rate Lock) The hazard insurance policy provides dwelling coverage of $[Redacted]. Per Plaza's guidelines, coverage is sufficient if it meets one of the following: (1) [Redacted]% replacement cost, (2) appraised replacement cost, or (3) the unpaid principal balance of the mortgage, provided it is not less than [Redacted]% of replacement cost. The current coverage exceeds the unpaid principal balance of $[Redacted]. Additionally, when evaluating replacement cost based on the primary dwelling improvements reflected in the appraisal, the coverage exceeds [Redacted]% of the applicable replacement cost threshold. The required coverage amount listed in the condition appears to be derived from [Redacted]% of the total cost new of all site improvements, including auxiliary structures, which does not align with Coverage A (Dwelling) insurance requirements. Accordingly, the existing policy satisfies guideline requirements, and updated hazard insurance is not required. Thank you! |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10299602 | [Redact] | [Redact] | 36675400 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Client approved exception to allow property with [Redacted] acres versus maximum [Redacted] acres. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV [Redacted] where [Redacted] is maximum. | [Redact] [Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-06-08): Client elected to waive the condition with the following Compensating Factors: LTV [Redacted]where [Redacted] is maximum Property management experience dating back to [Redacted]([Redacted]years) all on large acreage properties. Total REO Equity [Redacted] |
06/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10316678 | [Redact] | [Redact] | 36430053 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10316678 | [Redact] | [Redact] | 36741867 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | File is missing a signed Business Purpose Certificate. | Reviewer Comment (2026-06-19): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-18): business purpose |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10299605 | [Redact] | [Redact] | 36430813 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): Please find listed [Redacted] Tracking ID # [Redacted] Delivered today [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10299676 | [Redact] | [Redact] | 36431007 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): collateral delivered 0[Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10299676 | [Redact] | [Redact] | 36664241 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | The property city on the HOI declarations page does not match the property city on the Note. Provide a revised declarations page with the city corrected. | Reviewer Comment (2026-06-16): Received updated Hazard Insurance Policy. Exception cleared. Seller Comment (2026-06-16): hoi |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10299700 | [Redact] | [Redact] | 36431575 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10299700 | [Redact] | [Redact] | 36564323 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10299700 | [Redact] | [Redact] | 36564450 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | [Redacted] | Reviewer Comment (2026-05-27): Received and associated E-Sign Consent Agreement. Exception cleared. Seller Comment (2026-05-27): [Redacted][Redacted] Please see attached e-sign consent |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10299700 | [Redact] | [Redact] | 36564504 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-22): Sufficient Cure Provided At Closing |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10299693 | [Redact] | [Redact] | 36431605 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10299693 | [Redact] | [Redact] | 36565748 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted]Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-06-03): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Reviewer Comment (2026-05-28): Elevated to the client for review Seller Comment (2026-05-28): Disagree, [Redact]. Code, Comm. Law §12-105(d) a prepayment charge or penalty may be charged on a prepayment of the unpaid principal balance of the loan, if the loan is secured by a home, provided that the charge or penalty: (1) may be imposed only on prepayments made within three years from the date the loan is made |
06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10299702 | [Redact] | [Redact] | 36431743 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10303351 | [Redact] | [Redact] | 36441716 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-17): Collateral delivered on [Redacted] via [Redacted] number [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10303352 | [Redact] | [Redact] | 36441788 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): [Redacted] Tracking Number [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10304281 | [Redact] | [Redact] | 36442173 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-08): [Redacted] Tracking Number [Redacted] |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10304281 | [Redact] | [Redact] | 36661269 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | [Redacted] | The file was missing documentation of the short term rental income for the REO. The file contained the rental income calculation worksheet for the property, but the supporting docs to verify the [Redacted] months income. | Reviewer Comment (2026-06-10): Received vocational rental statement. Exception cleared. Seller Comment (2026-06-09): please see attached for [Redacted]rental amounts. Reviewer Comment (2026-06-08): Rental income for the months 02/[Redacted], 03/[Redacted] and 04/[Redacted] provided. The file is still missing proof of the rental income for the months[Redacted]-[Redacted]. Condition remains Seller Comment (2026-06-08): please see attached rental amounts |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10304281 | [Redact] | [Redact] | 36661290 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10304278 | [Redact] | [Redact] | 36442318 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10304278 | [Redact] | [Redact] | 36751114 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10304278 | [Redact] | [Redact] | 36751301 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate in file was not signed. | Reviewer Comment (2026-06-23): Received and associated Business purpose certificate. Exception cleared. Seller Comment (2026-06-22): business purpose |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10304973 | [Redact] | [Redact] | 36445768 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10304973 | [Redact] | [Redact] | 36567405 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10304977 | [Redact] | [Redact] | 36445772 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10304977 | [Redact] | [Redact] | 36564218 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-05-22): Client elected to waive the condition on the Non-QM 1st lien |
05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10304974 | [Redact] | [Redact] | 36445773 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-05): Waived on Rate Lock: Collateral cleared by Custodian |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10304974 | [Redact] | [Redact] | 36611083 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At Closing |
05/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10304988 | [Redact] | [Redact] | 36447149 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10304988 | [Redact] | [Redact] | 36727923 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating agreement document was not found in file. | Reviewer Comment (2026-06-17): Received and associated Operating Agreement. Exception cleared. Seller Comment (2026-06-17): Please see attached operating agreement. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10304988 | [Redact] | [Redact] | 36727924 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution document was not found in file. | Reviewer Comment (2026-06-17): Received and associated Operating Agreement. Exception cleared. Seller Comment (2026-06-17): Please see attached operating agreement |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10304988 | [Redact] | [Redact] | 36727941 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of access to funds document was not found in file. | Reviewer Comment (2026-06-19): Received operating agreement. Exception cleared. Seller Comment (2026-06-18): Per the business documentation provided, the borrower is the sole owner, which allows the owner access to the business funds. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10304988 | [Redact] | [Redact] | 36727943 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of access to funds document was not found in file. | Reviewer Comment (2026-06-19): Received operating agreement. Exception cleared. Seller Comment (2026-06-18): Per the business documentation provided, the borrower is the sole owner, which allows the owner access to the business funds. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10304988 | [Redact] | [Redact] | 36727951 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of organization document was not found in file. | Reviewer Comment (2026-06-17): Received and associated Articles of Organization/Formation. Exception cleared. Seller Comment (2026-06-17): Please see attached articles of formation |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10304988 | [Redact] | [Redact] | 36727955 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of good standing document was not found in file. | Reviewer Comment (2026-06-17): Received and associated Certificate of Good Standing. Exception cleared. Seller Comment (2026-06-17): Please see attached certificate of good standing. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10304988 | [Redact] | [Redact] | 36727957 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. | Reviewer Comment (2026-07-06): Received additional bank statement. Exception cleared. Seller Comment (2026-07-02): Please see attached asset documentation. Reviewer Comment (2026-06-19): Reserve requirement is not met, additional asset documentation is required. Exception remains. Seller Comment (2026-06-18): Per the business documentation provided, the borrower is the sole owner, which allows the owner access to the business funds. The business account access should be included in the assets. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10304988 | [Redact] | [Redact] | 36727969 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-06-17): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10304989 | [Redact] | [Redact] | 36448751 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): Please find listed [Redacted] Tracing ID: [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10304994 | [Redact] | [Redact] | 36448961 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10304994 | [Redact] | [Redact] | 36747818 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. | [Redacted] | Most recent [Redacted] year 1099 transcripts. | Reviewer Comment (2026-07-08): [Redacted] 1099 transcript - no results provided. The guideline required documentation was in the initial file when the transcripts come back with a no results message. Seller Comment (2026-07-07): [Redacted]Wage and Transcript - No Record Found. Reviewer Comment (2026-07-06): The guidelines require [Redacted] year 1099 transcripts. The transcripts were not obtained; therefore the loan does not meet the guideline requirement. Condition is valid and remains open Seller Comment (2026-07-02): We have met the [Redacted] 1 yr 1099 program requirement on transcript policy. Most recent 1 yr is not available per [Redact] and have the employer confirmation of the amount and that the 1099 has been accepted by the IRS. Seller Comment (2026-07-01): The PTF was the 1099 scripts which were cleared. Nothing further should be required. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10304994 | [Redact] | [Redact] | 36748243 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-15): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Seller Comment (2026-07-14): PCCD/LOE/Check/[Redacted] Delivery - $[Redacted] cure Reviewer Comment (2026-07-02): [Redacted] received LOX for rebuttal response. However, the fee was added and sent on [Redacted] is not valid COC to re-baseline this exception. If there was an additional reason the fee was increased, we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. Seller Comment (2026-07-01): Additional details for recording fee increase and disclosed timing Reviewer Comment (2026-06-25): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the recording fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Seller Comment (2026-06-24): Redisclosure 5.3 and audit log |
07/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10305737 | [Redact] | [Redact] | 36455964 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305737 | [Redact] | [Redact] | 36717377 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-06-16): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Reviewer Comment (2026-06-15): Client to review and advise if they wish to waive. Seller Comment (2026-06-12): [Redacted] [Redacted] Disagree, [Redact]. Code, Comm. Law §12-105(d) a prepayment charge or penalty may be charged on a prepayment of the unpaid principal balance of the loan, if the loan is secured by a home, provided that the charge or penalty: (1) may be imposed only on prepayments made within three years from the date the loan is made |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10305735 | [Redact] | [Redact] | 36456155 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Home Improvement | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10305735 | [Redact] | [Redact] | 36716797 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the right to receive a copy of the appraisal at least three (3) business days prior to closing, and the appraisal was not provided at or before closing. | 06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Home Improvement | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10305740 | [Redact] | [Redact] | 36456362 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10305742 | [Redact] | [Redact] | 36456384 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-17): (Rate Lock) collateral delivered today. tracking [Redacted]. thanks! |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306659 | [Redact] | [Redact] | 36459152 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-16): Collateral delivered on [Redacted] via [Redacted] [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10306659 | [Redact] | [Redact] | 36937387 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not provided. | Reviewer Comment (2026-07-15): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-15): Please see attached business purpose cert. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10306659 | [Redact] | [Redact] | 36937413 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10306679 | [Redact] | [Redact] | 36459840 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10306672 | [Redact] | [Redact] | 36459851 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306669 | [Redact] | [Redact] | 36459852 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306671 | [Redact] | [Redact] | 36459854 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): Please find listed [Redacted] Tracking #[Redacted]. Package delivery today |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306671 | [Redact] | [Redact] | 36671961 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement [Redacted] not provided | The file is missing documentation to verify the short term rental income used to qualify. | Reviewer Comment (2026-06-11): Received and associated Vacation Rental Income Statement ([Redact], [Redacted], etc.). Exception cleared. Seller Comment (2026-06-10): Please find attached [Redacted]Statement |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10306671 | [Redact] | [Redact] | 36671962 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | The appraisal identified the subject as a PUD. The file is missing a copy of the PUD Rider attached to the Mortgage. Provide a copy of the PUD Rider and proof that the Mortgage will be re-recorded with the rider. If the subject is not a PUD, provide a revised appraisal correcting the property type. | Reviewer Comment (2026-07-17): Received updated security instrument and PUD rider. Exception cleared. Seller Comment (2026-07-16): Please find attached Letter of Intent to re-record and Mortgage with PUD Rider |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10306671 | [Redact] | [Redact] | 36671963 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-06-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-09): Please find attached Business Purpose certificate. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10306682 | [Redact] | [Redact] | 36459913 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306683 | [Redact] | [Redact] | 36459965 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306681 | [Redact] | [Redact] | 36460021 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-05-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-05-26): (Rate Lock) Collateral package shipped [Redacted]. Tracking number [Redacted] |
05/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306681 | [Redact] | [Redact] | 36563767 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Client exception approval in loan file to allow C/O when [Redacted] months seasoning is not met. | The qualifying DSCR on the loan is greater than the guideline minimum. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Client elects to waive with compensating factors: DSCR [Redacted] where [Redacted] is minimum Client elects to waive with compensating factors: LTV [Redacted] where [Redacted] is maximum Client elects to waive with compensating factors: Reserves: [Redacted] [Redacted] months reserves where [Redacted] months required ([Redacted]). |
Originator Pre-Close,Aggregator Aggregator,[Redact] Aggregator,[Redact] |
Reviewer Comment (2026-05-22): Client elects to waive with compensating factors: LTV [Redacted] where [Redacted] is maximum, Reserves: [Redacted][Redacted]months reserves where [Redacted] months required ([Redacted]X) and DSCR [Redacted] where [Redacted] is minimum. |
05/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10306688 | [Redact] | [Redact] | 36460407 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Please find listed [Redacted] Tracking ID: [Redacted] Delivered [Redacted], [Redacted] at [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306688 | [Redact] | [Redact] | 36865096 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not executed. | Reviewer Comment (2026-07-02): Received and associated Business Purpose Certificate. Exception Cleared. Seller Comment (2026-07-02): Please find attached business purpose |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10307508 | [Redact] | [Redact] | 36468182 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-17): (Rate Lock) Tracking #[Redacted] for collateral. Shipped [Redacted] |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10307508 | [Redact] | [Redact] | 36725482 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10307539 | [Redact] | [Redact] | 36468538 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10307539 | [Redact] | [Redact] | 36730118 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business purpose Certificate not provided. | Reviewer Comment (2026-06-17): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-17): Please see attached business purpose certificate for each borrower. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10307539 | [Redact] | [Redact] | 36730119 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Fully executed Business purpose Certificate not provided. | Reviewer Comment (2026-06-17): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-17): Please see attached business purpose certificate for each borrower. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10307548 | [Redact] | [Redact] | 36468556 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10307548 | [Redact] | [Redact] | 36728492 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-07-01): Received RCE and updated HOI. Exception cleared. Seller Comment (2026-06-30): hoi |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10307546 | [Redact] | [Redact] | 36468627 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): Please find listed [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10307546 | [Redact] | [Redact] | 36906265 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-10): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-09): Please find attached Business Purpose |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10307551 | [Redact] | [Redact] | 36468937 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-10): (Rate Lock) Collateral tracking #[Redacted]. Shipped [Redacted]/[Redacted] |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10307551 | [Redact] | [Redact] | 36899367 | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. | Per the guidelines, rural properties are considered by exception only. Client exception approval in file. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
DTI: [Redacted] where the maximum is [Redacted] and without rental income | [Redact],Originator Pre-Close,Aggregator [Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-07-07): Client elected to waive the condition with the following Compensating Factors: LTV [Redacted] where [Redacted] is maximum Credit Depth: [Redacted]years mortgage history and [Redacted]years trade history paid as agreed. DTI: [Redacted]where the maximum is [Redacted]and without rental income |
07/07/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||
| [Redact] | 10307568 | [Redact] | [Redact] | 36469382 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-18): [Redacted] Tracking Number [Redacted] |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10307681 | [Redact] | [Redact] | 36469624 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): Please find listed [Redacted] Tracking ID # [Redacted] Delivered today [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10307683 | [Redact] | [Redact] | 36469759 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10307686 | [Redact] | [Redact] | 36470037 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10307686 | [Redact] | [Redact] | 36757043 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-06-23): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-23): Please see attached business purpose cert |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10307963 | [Redact] | [Redact] | 36472148 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): [Redacted] Tracking Number [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10307963 | [Redact] | [Redact] | 36813467 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10308038 | [Redact] | [Redact] | 36472846 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10308038 | [Redact] | [Redact] | 36647546 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of [Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-06-03): Client elected to waive the condition on the Non-QM 1st lien |
06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10308042 | [Redact] | [Redact] | 36472943 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10308056 | [Redact] | [Redact] | 36473073 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): [Redacted] Tracking Number [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | D | A | C | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10308056 | [Redact] | [Redact] | 36773003 | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). | The file is missing a copy of the fully executed Consolidated Mortgage. | Reviewer Comment (2026-06-23): Fully executed Consolidated Note and Mortgage provided. Seller Comment (2026-06-22): Consolidated Mortgage & Note |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | C | A | D | A | A | A | N/A | No | |||||||||||
| [Redact] | 10308056 | [Redact] | [Redact] | 36773005 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The file is missing a copy of the fully executed Consolidated Note. | Reviewer Comment (2026-06-23): Fully executed Consolidated Note and Mortgage provided. Seller Comment (2026-06-22): See uploaded Consolidated Mortgage and Note |
06/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | A | C | A | D | A | A | A | N/A | No | |||||||||||
| [Redact] | 10308056 | [Redact] | [Redact] | 36813214 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | The Lifetime Cap does not agree with Schedule SCH: MISSING NOTE: [Redacted] | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | D | A | C | A | D | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10308055 | [Redact] | [Redact] | 36473103 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-20): Collateral delivered on [Redacted] via [Redacted] [Redacted] |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10308055 | [Redact] | [Redact] | 36939286 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash out utilization was not provided. Business purpose cert was not executed. | Reviewer Comment (2026-07-15): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-15): Please see attached business purpose cert. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10308055 | [Redact] | [Redact] | 36939310 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-15): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-15): Please see attached business purpose cert. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10308054 | [Redact] | [Redact] | 36473373 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10308114 | [Redact] | [Redact] | 36473634 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): [Redacted] Tracking Number [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10309088 | [Redact] | [Redact] | 36480112 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10309151 | [Redact] | [Redact] | 36485489 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-16): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10309151 | [Redact] | [Redact] | 36936433 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not executed. | Reviewer Comment (2026-07-16): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-16): Please find attached Business Purpose |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10309545 | [Redact] | [Redact] | 36485818 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10309547 | [Redact] | [Redact] | 36486467 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): Please find listed [Redacted] Tracking ID # [Redacted] Delivered today [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10309550 | [Redact] | [Redact] | 36486983 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10313372 | [Redact] | [Redact] | 36490903 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-17): (Rate Lock) Collateral delivered today. tracking [Redacted]. Thanks! |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10313372 | [Redact] | [Redact] | 36724444 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10313361 | [Redact] | [Redact] | 36490916 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-08): Waived on Rate Lock: Collateral cleared by Custodian |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10313361 | [Redact] | [Redact] | 36633665 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Disclosure/First Payment Letter was not provided. | Reviewer Comment (2026-06-08): REO expenses documented Seller Comment (2026-06-08): [Redacted]: Please note that the remaining $[Redacted]is the HOA dues for the property. Please see the attached documentation to show that the REO property requires annual HOA dues of $[Redacted], which breaks down to $[Redacted]a month. Reviewer Comment (2026-06-08): Verified Taxes $[Redacted] per month, Insurance [Redacted] per month. Per updated 1003 total expenses $[Redacted]. Please provide the documentation for remaining expenses $[Redacted]. Exception remains. Seller Comment (2026-06-05): [Redacted] [Redacted]: Please see the attached updated 1003 and 1008 with the corrected expenses for the REO property. Reviewer Comment (2026-06-05): Received loan denial letter, final 1003 is included with the mortgage payments of the property, the expenses are included in the qualification. Please provide the updated 1003 and 1008. Exception remains. Seller Comment (2026-06-04): [Redacted]: Please see the attached documentation showing that the [Redacted] loan on the property at [Redacted] was rejected by [Redacted] and did not close. Supporting documentation provided to confirm the [Redacted] loan number and property address. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10313361 | [Redact] | [Redact] | 36633735 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-25): Cured at close. Seller Comment (2026-06-11): [Redacted] [Redacted] The appraisal 2 fee increased from $[Redacted] to $[Redacted]for complexity due to the acreage based on the invoice from the [Redacted] ([Redacted]. There was a COFC to increase the Appraisal amount on [Redacted] a LE was disclosed same day. The additional $[Redacted]increase to $[Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. Reviewer Comment (2026-06-11): [Redacted] received the rebuttal comment. However, doc ID [Redacted] (LE dated [Redacted]) reflects a second appraisal fee of $[Redacted], and doc ID [Redacted](CD dated 0[Redacted]) reflects a survey fee of $[Redacted], both of which were added without a valid Change of Circumstance (COC). Therefore, based on the baseline, the total refund due to the borrower is $[Redacted](comprising $[Redacted]for the second appraisal and $[Redacted]for the survey fee). However, a cure of $[Redacted]was provided at closing, which is insufficient to cure both exceptions. Accordingly, an additional cure of $[Redacted], along with supporting cure documentation, is required to resolve this exception. Please provide a valid COC for the added fees; otherwise, the cure amount remains due to the borrower. Seller Comment (2026-06-09): [Redacted] [Redacted] The appraisal 2 fee increased from $[Redacted] to $[Redacted]for complexity due to the acreage based on the invoice from the [Redacted] ([Redacted]). There was a COFC to increase the Appraisal amount on [Redacted] a LE was disclosed same day. The additional $[Redacted]increase to $[Redacted]Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. Reviewer Comment (2026-06-09): [Redacted] upon review the Second appraisal fee were added on LE dated /[Redacted] for $[Redacted]. Kindly provide a valid COC for the fee added or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment (2026-06-05): Please provide your math, [Redacted] gave [Redacted]% tolerance Reviewer Comment (2026-06-05): [Redacted]: Cure provided at closing is insufficient to cure for all the citing [Redacted]% exception. We also required additional cure of $[Redacted] for the fees are exceeds [Redacted]% tolerance. Provide refund cure of $[Redacted] with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Seller Comment (2026-06-04): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. |
06/25/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10313361 | [Redact] | [Redact] | 36633736 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-24): Cured at closing or within [Redacted] days of consummation prior to TPR review Seller Comment (2026-06-11): [Redacted] [Redacted] The appraisal 2 fee increased from $[Redacted] to $[Redacted] for complexity due to the acreage based on the invoice from the [Redacted] ([Redacted]). There was a COFC to increase the Appraisal amount on [Redacted] a LE was disclosed same day. The additional $[Redacted]increase to $[Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal 2 Fee. Reviewer Comment (2026-06-11): [Redacted] received the rebuttal comment. However, doc ID [Redacted](LE dated [Redacted]) reflects a second appraisal fee of $[Redacted], and doc ID [Redacted](CD dated 0[Redacted]) reflects a survey fee of $[Redacted], both of which were added without a valid Change of Circumstance (COC). Therefore, based on the baseline, the total refund due to the borrower is $[Redacted](comprising $[Redacted]for the second appraisal and $[Redacted]for the survey fee). However, a cure of $[Redacted]was provided at closing, which is insufficient to cure both exceptions. Accordingly, an additional cure of $[Redacted], along with supporting cure documentation, is required to resolve this exception. Please provide a valid COC for the added fees; otherwise, the cure amount remains due to the borrower. Seller Comment (2026-06-09): [Redacted] [Redacted] Please clear stip, [Redacted] gave the tolerance cure that is being stated in the stip of $[Redacted]for the survey fee. The [Redacted] comment that states "[Redacted]: Cure provided at closing is insufficient to cure for all the citing [Redacted]% exception. We also required additional cure of $[Redacted]for the fees are exceeds[Redacted]% tolerance. Provide refund cure of $[Redacted]with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check." is regarding condition [Redacted]for the Appraisal 2 fee not the survey fee, therefore there is nothing more needed for this specific stip for condition [Redacted]. If you may disagree please provide specific guidance on why the cure for the survey fee is not sufficient. Reviewer Comment (2026-06-09): [Redacted] upon review the Survey fee were added on CD dated [Redacted]/[Redacted] for $[Redacted]. Kindly provide a valid COC for the fee added or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Also, the total cure requirement in order to cure both the second appraisal and survey fee are $[Redacted]whereas the cure provided on Final CD $[Redacted] which is insufficient to cure both the exceptions. Seller Comment (2026-06-05): Please provide your math, [Redacted] gave [Redacted]% tolerance Reviewer Comment (2026-06-05): [Redacted]: Cure provided at closing is insufficient to cure for all the citing [Redacted]% exception. We also required additional cure of $[Redacted]for the fees are exceeds[Redacted]% tolerance. Provide refund cure of $[Redacted]with Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Seller Comment (2026-06-04): Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Survey Fee. |
06/24/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10313361 | [Redact] | [Redact] | 36818374 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cured at close. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||
| [Redact] | 10313362 | [Redact] | [Redact] | 36490917 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-03): Waived on Rate Lock: Collateral cleared by Custodian |
07/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10313360 | [Redact] | [Redact] | 36490918 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-05): Waived on Rate Lock: Collateral cleared by Custodian |
06/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10313360 | [Redact] | [Redact] | 36634244 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted]is less than the note amount of $[Redacted] based on the Commitment in file. | 06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10313360 | [Redact] | [Redact] | 36634288 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Disclosure/First Payment Letter not provided. | Reviewer Comment (2026-06-05): Received Closing Disclosure. Exception Cleared. Seller Comment (2026-06-04): [Redacted] [Redacted]: Please see attached. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10313360 | [Redact] | [Redact] | 36634293 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Disclosure/First Payment Letter not provided. | Reviewer Comment (2026-06-08): Received updated 1003 and 1008. Exception cleared. Seller Comment (2026-06-05): [Redacted]: Please see the attached updated 1003 and 1008 with the corrected information.[Redacted] was previously free and clear, as evidenced by the attached lien report. Also attaching copies of the REO taxes and insurance documentation to confirm all remaining REO expenses reported on the 1003. Seller Comment (2026-06-05): [Redacted]: Please see the attached updated 1003 and 1008 with the corrected information. [Redacted] was previously free and clear, as evidenced by the attached lien report. Also attaching copies of the REO taxes and insurance documentation to confirm all remaining REO expenses reported on the 1003. Reviewer Comment (2026-06-05): Received denial letter for the mortgage termination, however 1003 is included with the PITI. Please provide the updated 1003 and 1008. Exception Remains. Seller Comment (2026-06-04): [Redacted] [Redacted]: Please see the attached documentation showing that the [Redacted] loan on the property at [Redacted] was rejected by [Redacted] and did not close. Supporting documentation provided to confirm the [Redacted] loan number and property address. Seller Comment (2026-06-04): [Redacted] [Redacted]: Please see the attached documentation showing that the [Redacted] loan on the property at[Redacted]was rejected by [Redacted] and did not close. Supporting documentation provided to confirm the [Redacted] loan number and property address. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10313360 | [Redact] | [Redact] | 36634299 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Disclosure/First Payment Letter not provided. | Reviewer Comment (2026-06-08): Received updated 1003 however it shows mortgage payment as $[Redacted], Note is showing $[Redacted] which is contradicting. Please provide the corrected documents to match accurately. Exception remains. Seller Comment (2026-06-05): [Redacted]: Please note that the private Note is for the loan that was paid off with the [Redacted] refinance. Please see the attached Note for the new [Redacted] loan that closed simultaneously with the subject transaction. Please also see the attached corrected 1003 and 1008 to reflect the corrected REO expenses. Reviewer Comment (2026-06-05): Received CD borrower name shows as business name need confirmation the payments are paid by the business or the borrower '[Redacted]', mortgage amount shows $[Redacted]and the private note shows mortgage amount $[Redacted], however final 1003 is reported with $[Redacted]and $[Redacted]payments are not accurate on the 1003 per the documents provided. Please provide the updated 1003 and 1008. Exception Remains. Seller Comment (2026-06-04): [Redacted]: Please see attached. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10313360 | [Redact] | [Redact] | 36634307 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-06-15): Received and associated RCE. Exception cleared. Seller Comment (2026-06-12): [Redacted]: Please see the attached RCE from the insurance agent to confirm the policy has sufficient coverage. Reviewer Comment (2026-06-08): The GSE method was used to determine the coverage requirement. The appraisal identified the Total Estimate of Cost New as $[Redacted]. We have a HOI shortfall of $[Redacted]. Please provide the updated HOI policy. Exception remains. Seller Comment (2026-06-05): [Redacted]: Per the FNMA LL-[Redacted]-03 previously provided, the insurance policy is not required to cover the loan amount. The investor guidelines follow the updated lender letter from FNMA, which states "The property insurance policy must provide coverage on a replacement cost basis, with the exception of roofs; property insurance policies that provide such terms of coverage will be deemed to provide sufficient coverage." The insurance policy provided specifically states that the Loss Settlement is based on "Replacement Cost - Similar Construction" which specifically meets the requirements of the lender letter. Reviewer Comment (2026-06-05): Provided HOI is not covering the loan amount and shortfall $[Redacted]. Please provide the updated HOI policy. Exception Remains. Seller Comment (2026-06-04): [Redacted]: Please note that the investor guidelines were updated to match the FNMA LL-[Redacted]-03 which retired the requirement to document a replacement cost estimate. The Lender Letter states that "the property insurance policy must provide coverage on a replacement cost basis, with the exception of roofs; property insurance policies that provide such terms of coverage will be deemed to provide sufficient coverage." Please also see the attached insurance policy confirming that the Loss Settlement was based on the Replacement Cost, meeting these guidelines. Nothing additional is required to document that the property insurance coverage is sufficient. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10313379 | [Redact] | [Redact] | 36490920 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10313379 | [Redact] | [Redact] | 36715663 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-15): RCE Received Seller Comment (2026-07-15): [Redacted] [Redacted]: Please see the attached documentation. I've attached the replacement cost estimator to support the insurance coverage provided. Please with the insurance and replacement cost estimator, we have sufficient coverage for the subject property. Seller Comment (2026-06-17): [Redacted] [Redacted]: Please note that per the updated lender letter guidelines from Fannie Mae released on [Redacted] and updated guidelines, The property insurance policy must provide coverage on a replacement cost basis, with the exception of roofs; property insurance policies that provide such terms of coverage will be deemed to provide sufficient coverage. based on the documentation, the current insurance policy includes a loss valuation settlement based on replacement cost. Because we have clear verbiage that this insurance was based on the replacement cost of the home, we can determine this insurance as sufficient coverage for the property as the loss settlement was written to replacement cost supporting that the insurance will cover the replacement cost of the property. Reviewer Comment (2026-06-16): Provided insurance $[Redacted] is not covering the loan amount, we still have a shortfall of $[Redacted]. Please provide the updated HOI policy or HOI with guaranteed replacement policy. Condition Remains. Seller Comment (2026-06-15): [Redacted] [Redacted]: please see the attached documentation. Please note that per the updated lender letter guidelines from Fannie Mae released on [Redacted], The property insurance policy must provide coverage on a replacement cost basis, with the exception of roofs; property insurance policies that provide such terms of coverage will be deemed to provide sufficient coverage. based on the documentation, the current insurance policy includes a loss valuation settlement based on replacement cost. Because we have clear verbiage that this insurance was based on the replacement cost of the home, we can determine this insurance as sufficient coverage for the property as the loss settlement was written to replacement cost supporting that the insurance will cover the replacement cost of the property. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10313381 | [Redact] | [Redact] | 36490927 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10313381 | [Redact] | [Redact] | 36732398 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10313398 | [Redact] | [Redact] | 36493971 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-01): (Rate Lock) Tracking [Redacted] |
07/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10313398 | [Redact] | [Redact] | 36805801 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10313400 | [Redact] | [Redact] | 36493974 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10313401 | [Redact] | [Redact] | 36494376 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10313408 | [Redact] | [Redact] | 36494496 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): (Rate Lock) [Redacted] |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10313408 | [Redact] | [Redact] | 36726231 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] | Reviewer Comment (2026-06-15): Client elected to waive the condition on the Non-QM 1st lien |
06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10313409 | [Redact] | [Redact] | 36494510 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10313409 | [Redact] | [Redact] | 36716577 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10313409 | [Redact] | [Redact] | 36716671 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-11): Sufficient Cure Provided At Closing |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10313611 | [Redact] | [Redact] | 36503552 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): Please find listed [Redacted] Tracking ID. [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10313620 | [Redact] | [Redact] | 36503739 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): [Redacted] tracking Number [Redacted] |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10313620 | [Redact] | [Redact] | 36716518 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence that borrower received a copy of appraisal [Redacted] business days to closing. | 06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10313627 | [Redact] | [Redact] | 36504484 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): [Redacted] Tracking Number [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10313634 | [Redact] | [Redact] | 36504661 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): [Redacted] Tracking Number [Redacted] |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10313632 | [Redact] | [Redact] | 36504704 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): [Redacted] Tracking Number [Redacted] |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10313632 | [Redact] | [Redact] | 36643373 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | 06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10313632 | [Redact] | [Redact] | 36643374 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | 06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10313630 | [Redact] | [Redact] | 36504791 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): [Redacted] Tracking Number [Redacted] |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10313630 | [Redact] | [Redact] | 36661817 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10313633 | [Redact] | [Redact] | 36504864 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10313629 | [Redact] | [Redact] | 36504875 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-05): [Redacted] Tracking Number [Redacted] |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10313629 | [Redact] | [Redact] | 36662119 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10314255 | [Redact] | [Redact] | 36505711 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10314255 | [Redact] | [Redact] | 36760394 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted] [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-06-19): Client elected to waive the condition on the Non-QM 1st lien |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10314255 | [Redact] | [Redact] | 36760396 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At Closing |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10314266 | [Redact] | [Redact] | 36505713 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-01): Waived on Rate Lock: Collateral cleared by Custodian |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10314266 | [Redact] | [Redact] | 36587904 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-27): Sufficient Cure Provided At Closing |
05/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10314298 | [Redact] | [Redact] | 36517830 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-12): [Redacted] Tracking Number [Redacted] |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10314295 | [Redact] | [Redact] | 36517844 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-10): Please find listed [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10314295 | [Redact] | [Redact] | 36904791 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | 07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10314430 | [Redact] | [Redact] | 36524895 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10314430 | [Redact] | [Redact] | 36738105 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-22): Received updated HOI. Exception cleared. Seller Comment (2026-07-21): Please see attached policy. Reviewer Comment (2026-06-26): Updated HOI is not available. HOI coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted]OR provide copy of insurer's replacement cost estimate supporting current coverage amount or HOI with guaranteed replacement cost. Exception remains. Seller Comment (2026-06-25): Please see attached policy with coverage details attached. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10314436 | [Redact] | [Redact] | 36525436 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): [Redacted] Tracking Number [Redacted] |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10314436 | [Redact] | [Redact] | 36813771 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10314722 | [Redact] | [Redact] | 36525571 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-10): [Redacted] Tracking Number [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10314750 | [Redact] | [Redact] | 36525963 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10314760 | [Redact] | [Redact] | 36526130 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10314760 | [Redact] | [Redact] | 36831915 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10314802 | [Redact] | [Redact] | 36528166 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-18): [Redacted] |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10314802 | [Redact] | [Redact] | 36738906 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10314802 | [Redact] | [Redact] | 36746198 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | The DSCR is less than the guideline requirements. The difference is the lender used higher rent of $[Redacted] per month to qualify when the lease agreement verified an amount of $[Redacted]. The file is missing the lease extension to verify the higher rent. | Reviewer Comment (2026-06-30): Received updated lease agreement and 1007. Exception cleared. Seller Comment (2026-06-29): lease Reviewer Comment (2026-06-29): Screenshot provided identified an updated lease which is not in file. Provide the complete copy of the updated lease to update the gross rent. Condition is valid and remains open Seller Comment (2026-06-29): i provided a screen shot in the last upload. the lease is on pages [Redacted]-[Redacted]of the shipping package. this is for [Redacted]. [Redacted]-[Redacted], [Redacted]/month. please advise Reviewer Comment (2026-06-25): The available lease agreement for the period "[Redacted]- [Redacted]" Rent shows $[Redacted]. Please provide the updated lease agreement matching the 1007. Exception remains. Seller Comment (2026-06-24): please advise where you are seeing [Redacted], lease provided in shipping package shows [Redacted] Seller Comment (2026-06-24): lease shows [Redacted]? Reviewer Comment (2026-06-23): Comparable rent schedule shows $[Redacted]current rent, Lease agreement is showing $[Redacted]. Please provide the lease extension to verify the higher rent amount. Exception remains. Seller Comment (2026-06-22): corrected 1007 Reviewer Comment (2026-06-19): 1007 shows rent amount $[Redacted]. Please provide the lease extension to verify the higher rent amount. Exception remains. Seller Comment (2026-06-18): please advise where you are seeing rent of [Redacted] and [Redacted]? lease shows [Redacted]. The DSCR is [Redacted] using the lease amount of $[Redacted]. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10314803 | [Redact] | [Redact] | 36528316 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-30): Collateral delivered on [Redacted] via tracking number [Redacted] |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10314930 | [Redact] | [Redact] | 36530802 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10314930 | [Redact] | [Redact] | 36776702 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | The mortgage loan file contains documenting evidence that the consumer intends to occupy the subject property as their primary residence. Compliance testing was performed based on the Occupancy Type of Investment. If tested as a primary residence, the loan exceeds one or more HPML thresholds. Additional compliance testing is required to determine if the loan would be a compliant or non-compliant HPML. | 06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10314922 | [Redact] | [Redact] | 36530803 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Home Improvement | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10314922 | [Redact] | [Redact] | 36662106 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Home Improvement | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10314922 | [Redact] | [Redact] | 36662127 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae [Redacted][Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Fannie Mae Points and Fees exceed allowable threshold by $[Redacted] or [Redacted]%. | Reviewer Comment (2026-06-04): Client elected to waive the condition on the Non-QM 1st lien |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Home Improvement | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10314923 | [Redact] | [Redact] | 36530914 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-18): Delivered[Redacted]. [Redacted] [Redacted] |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10314923 | [Redact] | [Redact] | 36725289 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10314923 | [Redact] | [Redact] | 36725300 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10315223 | [Redact] | [Redact] | 36531027 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-07): Please find listed [Redacted] Tracking ID:[Redacted] Delivered [Redacted], [Redacted] at [Redacted]. |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315223 | [Redact] | [Redact] | 36838972 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-07-01): Doc provided. Exception cleared. Seller Comment (2026-07-01): Please find attached Business Purpose |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10315346 | [Redact] | [Redact] | 36536600 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10315346 | [Redact] | [Redact] | 36817514 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-06): [Redacted] received PCCD, LOE and closing statement Seller Comment (2026-07-02): [Redacted][Redacted] Please see attached Final SS that shows the tolerance credit of $[Redacted] Reviewer Comment (2026-07-02): [Redacted] received PCCD and LOE, however we also require true & certified copy of final settlement statement to re-evaluate the exception. Seller Comment (2026-06-30): [Redacted] [Redacted] Please see attached PCCD, Shipping label and LOX Reviewer Comment (2026-06-30): [Redacted] File contains sets of CD dated [Redacted]. One copy signed at closing date [Redacted] with cure showing as $[Redacted]under section J; however, another copy of CD dated[Redacted] signed at [Redacted] does not show cure amount under section J. If the cure is provided at closing, kindly provide corrected PCCD and detailed LOE showing cure under section J along with true and certified Final Settlement statement. Seller Comment (2026-06-26): [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal Fee. |
07/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10315354 | [Redact] | [Redact] | 36537407 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315375 | [Redact] | [Redact] | 36537845 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): [Redacted] Tracking Number [Redacted] |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315386 | [Redact] | [Redact] | 36538266 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315387 | [Redact] | [Redact] | 36538420 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315388 | [Redact] | [Redact] | 36538510 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315388 | [Redact] | [Redact] | 36671421 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-06-30): Received and associated Business purpose certificate. Exception cleared. Seller Comment (2026-06-29): Please see attached business purpose cert. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10315390 | [Redact] | [Redact] | 36538838 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-09): Collateral delivered on [Redacted]via [Redacted] tracking [Redacted] |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10315390 | [Redact] | [Redact] | 36642490 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower, but was not found in file. | 06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10315390 | [Redact] | [Redact] | 36653955 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | The assets verified were insufficient to meet the guideline reserve requirement. Note: it appears the lender used the 1031 exchange funds for reserves; however the guidelines specifically state these funds are not eligible to be used for reserves. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
- [Redacted]% LTV where [Redacted]% is max. | [Redact],Aggregator [Redact] [Redact] [Redact] |
Reviewer Comment (2026-07-15): Client elected to waive the condition with the following Comp factors: - [Redacted]% LTV where [Redacted]% is max. - $[Redacted]REO equity. - Credit depth: [Redacted]-year credit history including [Redacted]-year mortgage history paid as agreed. |
07/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | N/A | No | |||||||
| [Redact] | 10315394 | [Redact] | [Redact] | 36538849 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Buyer Comment (2026-06-24): (Rate Lock) [Redacted] Seller Comment (2026-06-24): Note tracking; delivered on [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10315394 | [Redact] | [Redact] | 36700664 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the right to receive a copy of the appraisal at least three (3) business days prior to closing, and the appraisal was not provided at or before closing. | 06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10315479 | [Redact] | [Redact] | 36539518 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10315479 | [Redact] | [Redact] | 36715172 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not found in file. | 06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10315479 | [Redact] | [Redact] | 36715173 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the right to receive a copy of the appraisal at least three business days prior to closing, and the appraisal was not found in file at or before closing. | 06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10315499 | [Redact] | [Redact] | 36539865 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10315499 | [Redact] | [Redact] | 36730897 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10315496 | [Redact] | [Redact] | 36539874 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315497 | [Redact] | [Redact] | 36540093 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315492 | [Redact] | [Redact] | 36540105 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-17): The collateral was delivered [Redacted]via [Redacted] trk#[Redacted]. |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315529 | [Redact] | [Redact] | 36540229 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): (Rate Lock) Note delivered [Redacted] via [Redacted] [Redacted] |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10315529 | [Redact] | [Redact] | 36925663 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal was delivered to the borrower, but it was not provided. | 07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10315528 | [Redact] | [Redact] | 36540375 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): [Redacted] Tracking Number [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10315528 | [Redact] | [Redact] | 36751467 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10315610 | [Redact] | [Redact] | 36540665 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-04): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-02): [Redacted] Tracking Number [Redacted] |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315610 | [Redact] | [Redact] | 36630097 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US document is missing in the file. | Reviewer Comment (2026-06-10): Permanent Resident Card provided. Exception cleared. Seller Comment (2026-06-09): permanent resident card |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10315615 | [Redact] | [Redact] | 36540841 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10316465 | [Redact] | [Redact] | 36544748 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-30): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10316468 | [Redact] | [Redact] | 36544916 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): [Redacted] Tracking [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10316468 | [Redact] | [Redact] | 36867166 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the REO expenses for the departure residence. | Reviewer Comment (2026-07-07): Received Tax and insurance verification. Exception cleared. Seller Comment (2026-07-06): please see attached docs for departing residence [Redacted] |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10316671 | [Redact] | [Redact] | 36545165 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10316673 | [Redact] | [Redact] | 36545167 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10316679 | [Redact] | [Redact] | 36545607 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): (Rate Lock) Collateral tracking # [Redacted]. Shipped [Redacted]/[Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10316679 | [Redact] | [Redact] | 36840806 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10317286 | [Redact] | [Redact] | 36546483 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): PLease find listed [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10317306 | [Redact] | [Redact] | 36546577 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10317307 | [Redact] | [Redact] | 36546684 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted]/[Redacted] at[Redacted] |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10317307 | [Redact] | [Redact] | 36806397 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-06-26): Received and associated Business purpose certificate. Exception cleared. Seller Comment (2026-06-25): Please find business purpose certs attached |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10317307 | [Redact] | [Redact] | 36806404 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-06-26): Received and associated Business purpose certificate. Exception cleared. Seller Comment (2026-06-25): Please find Business Purpose attached |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10317807 | [Redact] | [Redact] | 36547490 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10317806 | [Redact] | [Redact] | 36547492 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10317799 | [Redact] | [Redact] | 36547493 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10317809 | [Redact] | [Redact] | 36547494 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10318017 | [Redact] | [Redact] | 36547898 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-02): (Rate Lock) [Redacted] |
07/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10318017 | [Redact] | [Redact] | 36851323 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. | 06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10318017 | [Redact] | [Redact] | 36851772 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved an exception for a 2-4 unit with ADU not permitted. The Lender Exception Approval Form was not in the file. | The qualifying DSCR on the loan is greater than the guideline minimum. | Client elects to waive with compensating factors : [Redacted] DSCR is [Redacted] over minimum ([Redacted]) without consideration of ADU rental income. | [Redact],Aggregator | Reviewer Comment (2026-07-01): Client elects to waive with compensating factors :[Redacted]LTV is [Redacted]below max ([Redacted]). [Redacted]DSCR is [Redacted]over minimum ([Redacted]) without consideration of ADU rental income. Credit depth: [Redacted]-year credit history including [Redacted]-year mortgage history paid as agreed. Seller Comment (2026-07-01): Attached the Approved [Redacted] Exception. Please Waive. |
07/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10318016 | [Redact] | [Redact] | 36547983 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Reviewer Comment (2026-06-23): Guidance provided from the client to clear this condition Seller Comment (2026-06-09): [Redacted] Tracking Number [Redacted] |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10318016 | [Redact] | [Redact] | 36666036 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10318016 | [Redact] | [Redact] | 36716630 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | Life Floor Does not Agree with Schedule SCH: MISSING NOTE: [Redacted] | Reviewer Comment (2026-06-23): Guidance provided from the client to clear this condition Seller Comment (2026-06-19): please clarify condition. Note shows [Redacted]floor amount, Note payment amounts match amortization schedule Seller Comment (2026-06-17): please clarify condition. Note shows [Redacted]floor amount, Note payment amounts match amortization schedule Seller Comment (2026-06-11): please clarify condition. Note shows [Redacted]floor amount, Note payment amounts match amortization schedule |
06/23/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10318021 | [Redact] | [Redact] | 36548337 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): (Rate Lock) [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10318021 | [Redact] | [Redact] | 36812580 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | Reviewer Comment (2026-07-02): Lender provided confirmation that the project is non-warrantable Seller Comment (2026-06-30): Attaching the Condo Project Manager documentation and email confirmation from [Redacted] Home Condo Review Desk for Loan [Redacted]/ [Redacted]. The project [Redacted] is currently listed in Fannie Mae CPM with a Review Status of "Unavailable" and the CPM activity feed indicates the project was changed to unavailable due to operating as a hotel, motel, resort, or exhibiting those characteristics. The CPM comments further state the project is classified as a Condotel. [Redacted] Condo Project Review Analyst [Redacted] confirmed by email on [Redacted]/[Redacted] that the project should be considered Non-Warrantable and that the "Is Non-Warrantable Project" box should be checked in [Redacted]. Based on the attached Condo Review Desk confirmation and CPM documentation, the project is Non-Warrantable / Condotel, not warrantable. Please Clear. Seller Comment (2026-06-30): Attaching the Condo Project Manager documentation and email confirmation from [Redacted] Condo Review Desk for Loan [Redacted]/ [Redacted]. The project T[Redacted] is currently listed in Fannie Mae CPM with a Review Status of "Unavailable" and the CPM activity feed indicates the project was changed to unavailable due to operating as a hotel, motel, resort, or exhibiting those characteristics. The CPM comments further state the project is classified as a Condotel. [Redacted] Condo Project Review Analyst [Redacted] confirmed by email on [Redacted]/[Redacted] that the project should be considered Non-Warrantable and that the "Is Non-Warrantable Project" box should be checked in [Redacted]. Based on the attached Condo Review Desk confirmation and CPM documentation, the project is Non-Warrantable / Condotel, not warrantable. Please Clear. Reviewer Comment (2026-06-30): The provided document does not include sufficient information regarding the condo warranty, as it does not clearly state whether the condominium is warrantable. Please provide the appropriate documentation that confirms the warrantability status of the condominium. Exception remains. Seller Comment (2026-06-29): The already attached [Redacted] Status / Condo Review Custom Page is the documentation I was instructed by [Redacted]'s Condo Review team to use to confirm whether a condo project is warrantable or non-warrantable. Multiple prior findings for this exact same condition have been cleared using this same documentation and review method. The bottom-center of the page shows the system checkboxes for "Is Condotel" and "Is Non-warrantable Project." Both boxes are blank / not checked, which confirms the project was not identified as a Condotel or Non-warrantable Project. Per the File, the condo project is warrantable. Please Clear Reviewer Comment (2026-06-29): The document provided does not contain sufficient information regarding the condo warranty. Please provide the appropriate documentation clearly confirming that the condominium is warrantable. Exception remains. Seller Comment (2026-06-26): The already attached screen snip/PDF from [Redacted]'s Status/Condo Review Custom Page confirms the condo project was not marked as non-warrantable. The bottom-center of the page shows the system checkboxes for "Is Condotel" and "Is Non-warrantable Project." If the project were a condotel or non-warrantable project, the applicable box would be checked. Both boxes are blank, including "Is Non-warrantable Project," which confirms the project was not identified as non-warrantable and was treated as warrantable. Please Cancel. Reviewer Comment (2026-06-26): Provided document does not state condo is warrantable. Please provide the documentation stating condo is warrantable. Exception remains. Seller Comment (2026-06-25): Ignore the Prior, Wrong File. - Attached is a screen snip from [Redacted] showing the Condo Review Custom Page for this loan showing the Condo is Warrantable. The screen reflects the project is not marked as a condotel and the "Is Non-warrantable Project" box is not checked, supporting that the project was not identified as non-warrantable. Please Cancel. Seller Comment (2026-06-25): The Master Insurance Certificate for [Redacted] is included on [Redacted] ([Redacted]) of [Redacted] and supports sufficient master property/building coverage for the subject condominium. The certificate reflects Building coverage of $[Redacted], states the property is insured to [Redacted]% Replacement Cost, and the additional remarks page identifies [Redacted], [Redacted], [Redacted]. The master property coverage exceeds the requested $[Redacted]minimum coverage amount. Please Cancel. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10318028 | [Redact] | [Redact] | 36548470 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10318028 | [Redact] | [Redact] | 36777035 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception was given for a request to consider a transaction rate/term refinance where the borrower is buying out an ex-spouse through divorce. Equity buyout is not specifically called out as an acceptable rate/term refinance in [Redacted] guidelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | Client elects to waive with compensating factors: Reserves: [Redacted][Redacted]months reserves where[Redacted] months is required ([Redacted]) | [Redact],Aggregator | Reviewer Comment (2026-06-22): Client elects to waive with compensating factors: Reserves: [Redacted] [Redacted] months reserves where [Redacted] months is required ([Redacted]X) Credit Depth: [Redacted]years mortgage history [Redacted]years trade history paid as agreed LTV; [Redacted]where [Redacted]is maximum. |
06/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10318358 | [Redact] | [Redact] | 36554292 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10318358 | [Redact] | [Redact] | 36805762 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is not provided. | Reviewer Comment (2026-06-29): Received and associated Guarantor Agreement. Exception cleared. Seller Comment (2026-06-26): Please see guaranty agreement Reviewer Comment (2026-06-26): Please provide Guarantor Agreement. Exception remains. Seller Comment (2026-06-25): guarantor |
06/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10318689 | [Redact] | [Redact] | 36556750 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10318689 | [Redact] | [Redact] | 36850504 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10318689 | [Redact] | [Redact] | 36850505 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-07-01): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10318689 | [Redact] | [Redact] | 36851306 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-02): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-02): Please see attached business purpose cert. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10318747 | [Redact] | [Redact] | 36557845 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): [Redacted] Tracking Number [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10318915 | [Redact] | [Redact] | 36557923 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10318915 | [Redact] | [Redact] | 36760796 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-06-23): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-23): Please see attached business purpose cert. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10319292 | [Redact] | [Redact] | 36564445 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): Shipping package Seller Comment (2026-06-11): Collateral package |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10319292 | [Redact] | [Redact] | 36712116 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for Borrower is a Permanent Resident Alien and has given a PR Card. The PR card provided shows an expiration date ([Redacted]) at the backside. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Client elects to waive with compensating factors: LTV [Redacted]% is [Redacted]% below program maximum ([Redacted]%). | [Redact],Aggregator | Reviewer Comment (2026-06-25): Client elects to waive with compensating factors: Borrower is a Permanent Resident Alien with residency of [Redacted]+ years. Credit depth [Redacted]years, including mortgage history [Redacted]+ years which has been paid as agreed. LTV [Redacted]% is [Redacted]% below program maximum ([Redacted]%). DSCR [Redacted](minimum [Redacted]). Reviewer Comment (2026-06-12): Client to review and confirm lender exception approved. Client to provide compensating factors if they wish to waive. Seller Comment (2026-06-11): Please downgrade to a [Redacted]. Lender exception granted. |
06/25/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10319292 | [Redact] | [Redact] | 36757207 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | The Lifetime Cap does not agree with Schedule SCH: MISSING NOTE: [Redacted] | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10319294 | [Redact] | [Redact] | 36564531 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10319295 | [Redact] | [Redact] | 36564834 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-08): Please find listed [Redacted] tracking ID: [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10319295 | [Redact] | [Redact] | 36865504 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the right to receive a copy of the appraisal at least three business days prior to closing, and the appraisal was not provided at or before closing. | 07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10319295 | [Redact] | [Redact] | 36865520 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | The Closing Protection Letter is missing from the file. | Reviewer Comment (2026-07-07): Received Closing Protection Letter. Exception cleared. Seller Comment (2026-07-06): Please find attached closing protection Seller Comment (2026-07-06): Please find attached closing protection letter |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10319836 | [Redact] | [Redact] | 36567635 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): [Redacted] Tracking Number [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10319836 | [Redact] | [Redact] | 37054287 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted]. | Reviewer Comment (2026-07-24): Client elects to waive. |
07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10320358 | [Redact] | [Redact] | 36576807 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10320359 | [Redact] | [Redact] | 36577894 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-03): Waived on Rate Lock: Collateral cleared by Custodian |
07/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10320772 | [Redact] | [Redact] | 36578112 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10320773 | [Redact] | [Redact] | 36578124 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-20): (Rate Lock) original collateral sent [Redacted] via [Redacted] [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10320773 | [Redact] | [Redact] | 36924484 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10320773 | [Redact] | [Redact] | 36924485 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10320788 | [Redact] | [Redact] | 36578276 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-18): Waived on Rate Lock: Collateral cleared by Custodian |
06/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10320788 | [Redact] | [Redact] | 36700989 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10320774 | [Redact] | [Redact] | 36578277 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10320774 | [Redact] | [Redact] | 36715649 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than guideline PITIA months reserves of [Redacted]. Earnest Money Deposit of $[Redacted] was made however, it is not reflected on the Final and Post Close CDs. | Reviewer Comment (2026-07-01): Bank statements provided. Exception cleared. Seller Comment (2026-07-01): [Redacted] [Redacted]: please see the attached documentation to support the [Redacted] #[Redacted] bank account. Please see two full monthly plus the transaction history is being used to support the guidelines. Seller Comment (2026-07-01): [Redacted] [Redacted]: please see the attached documentation to support the [Redacted]#[Redacted] bank account. Please see two full monthly plus the transaction history is being used to support the guidelines. Reviewer Comment (2026-06-23): For the account #[Redacted] we have may month incomplete statement [Redacted] to [Redacted], two months statements are required. Additional assets are required to cover the reserve requirement. Exception remains. Seller Comment (2026-06-22): [Redacted] [Redacted]: please see the attached documentation with the EMD included. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10320774 | [Redact] | [Redact] | 36715656 | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. | Guidelines require $[Redacted] of reserves, and verified reserves are $[Redacted]. Earnest Money Deposit of $[Redacted] was made however, it is not reflected on the Final and Post Close CDs. | Reviewer Comment (2026-07-01): Bank statements provided. Exception cleared. Seller Comment (2026-07-01): [Redacted] [Redacted]: please see the attached documentation to support the [Redacted] #[Redacted] bank account. Please see two full monthly plus the transaction history is being used to support the guidelines. Seller Comment (2026-07-01): [Redacted] [Redacted]: please see the attached documentation to support the [Redacted] #[Redacted]bank account. Please see two full monthly plus the transaction history is being used to support the guidelines. Reviewer Comment (2026-06-23): For the account #[Redacted]we have may month incomplete statement [Redacted] to [Redacted], two months statements are required. Additional assets are required to cover the reserve requirement. Exception remains. Seller Comment (2026-06-22): [Redacted] [Redacted]: please see the attached documentation with the EMD included. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10320774 | [Redact] | [Redact] | 36715660 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | Insufficient funds for reserves. Guidelines require $[Redacted], and verified reserves are $[Redacted]. Earnest Money Deposit of $[Redacted] was made however, it is not reflected on the Final and Post Close CDs. | Reviewer Comment (2026-07-01): Bank statements provided. Exception cleared. Seller Comment (2026-07-01): [Redacted] [Redacted]: please see the attached documentation to support the [Redacted] #[Redacted] bank account. Please see two full monthly plus the transaction history is being used to support the guidelines. Reviewer Comment (2026-06-23): For the account #[Redacted] we have may month incomplete statement [Redacted] to /[Redacted], two months statements are required. Additional assets are required to cover the reserve requirement. Exception remains. Seller Comment (2026-06-22): 0[Redacted] [Redacted]: please see the attached documentation with the EMD included. Seller Comment (2026-06-22): [Redacted] [Redacted]: please see the attached documentation with the EMD included. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10320778 | [Redact] | [Redact] | 36578280 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-11): Waived on Rate Lock: Collateral cleared by Custodian |
06/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10320778 | [Redact] | [Redact] | 36677469 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that the prepayment penalty will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-06-16): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Reviewer Comment (2026-06-11): Client to review. Seller Comment (2026-06-10): Disagree, [Redact]. Code, Comm. Law §12-105(d) a prepayment charge or penalty may be charged on a prepayment of the unpaid principal balance of the loan, if the loan is secured by a home, provided that the charge or penalty: (1) may be imposed only on prepayments made within three years from the date the loan is made |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10320781 | [Redact] | [Redact] | 36578284 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-03): Waived on Rate Lock: Collateral cleared by Custodian |
07/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10320781 | [Redact] | [Redact] | 36866973 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Mortgage loan contains an impermissible prepayment penalty; however, Note or Prepay Addendum provides specific language that the prepayment penalty will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-07-07): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. Seller Comment (2026-07-02): [Redacted]: Disagree, [Redact]. Code, Comm. Law §12-105(d) a prepayment charge or penalty may be charged on a prepayment of the unpaid principal balance of the loan, if the loan is secured by a home, provided that the charge or penalty: (1) may be imposed only on prepayments made within three years from the date the loan is made. [Redacted] elected to extend closed end credit under [Redacted] Commercial Law Title 12, Subtitle 10. There is no PPP limitation under [Redacted] Credit Grantor ("[Redacted]" - [Redacted] Commercial Law Title 12, Subtitle 10). |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10320785 | [Redact] | [Redact] | 36578286 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10320785 | [Redact] | [Redact] | 36835119 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10320779 | [Redact] | [Redact] | 36578295 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-30): [Redacted] Tracking Number [Redacted] |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10320804 | [Redact] | [Redact] | 36578624 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322351 | [Redact] | [Redact] | 36579133 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322353 | [Redact] | [Redact] | 36579228 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-30): Waived on Rate Lock: Collateral cleared by Custodian |
06/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322353 | [Redact] | [Redact] | 36807040 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose was not provided. | Reviewer Comment (2026-06-25): Received and associated Business purpose certificate. Exception cleared. Seller Comment (2026-06-24): Please see attached business purpose cert. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10322357 | [Redact] | [Redact] | 36579309 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): Collateral delivered on [Redacted]via [Redacted] tracking [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322355 | [Redact] | [Redact] | 36579330 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-30): Waived on Rate Lock: Collateral cleared by Custodian |
06/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322609 | [Redact] | [Redact] | 36579518 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): Per [Redacted] tracking [Redacted], the collateral was delivered on [Redacted]. |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322609 | [Redact] | [Redact] | 36902976 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 was not found in file. | Reviewer Comment (2026-07-10): Received and associated final 1003. Exception cleared. Seller Comment (2026-07-09): Please see uploaded final 1003 with Universal Loan Identifier (ULI). Seller Comment (2026-07-09): Please see uploaded final 1003 |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10322609 | [Redact] | [Redact] | 36903046 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Universal Loan Identifier (ULI) is blank in the file. | Reviewer Comment (2026-07-13): ULI provided Seller Comment (2026-07-10): Please see uploaded final 1003 with Universal Loan Identifier (ULI). |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10322609 | [Redact] | [Redact] | 36904625 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Cert was not executed. | Reviewer Comment (2026-07-10): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-09): Please see attached Business Purpose document |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10322610 | [Redact] | [Redact] | 36579611 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10322610 | [Redact] | [Redact] | 36724887 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of Insurance verification and HOA document. | Reviewer Comment (2026-07-17): Insurance docs provided Seller Comment (2026-07-17): As stated previously this REO is a commercial property. There is no H06 policy. The premium is listed on the policy at $[Redacted]or [Redacted]per month. The policy was uploaded originally on [Redacted] attached here again. Can we please have this escalated for another review. Reviewer Comment (2026-07-15): No new information provided. The file is still missing proof of the additional $[Redacted] in REO expenses that is assumed to be HOI. Condition remains Reviewer Comment (2026-07-15): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: HOA Verification, Insurance Verification Seller Comment (2026-07-13): see attached updated from the underwriter for the reo expenses Reviewer Comment (2026-07-01): The total expenses reported on the final 1003 is $[Redacted]. Verified the tax, insurance & HOA. Require REO documentation to verify the remaining expenses of $[Redacted]. Exception remains. Seller Comment (2026-06-30): The property is a business. there is no additional policy. Also, we provided an LOX from the borrower stating that there is no HOA dues for this property. Reviewer Comment (2026-06-29): Received blanket policy, unable to determine the policy premium, please provide the HO6 policy and HOA documentation. Exception remains. Seller Comment (2026-06-26): see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10322610 | [Redact] | [Redact] | 36724927 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] | Reviewer Comment (2026-06-16): Client elected to waive the condition on the Non-QM 1st lien |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10322610 | [Redact] | [Redact] | 36724932 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-12): Sufficient Cure Provided At Closing |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10322679 | [Redact] | [Redact] | 36580203 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): (Rate Lock) [Redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10322679 | [Redact] | [Redact] | 36868153 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | 07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10322680 | [Redact] | [Redact] | 36580263 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-07): Please find listed [Redacted] Tracking ID: [Redacted] Delivered [Redacted], [Redacted] at [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322691 | [Redact] | [Redact] | 36580328 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322687 | [Redact] | [Redact] | 36580362 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-29): (Rate Lock) [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322692 | [Redact] | [Redact] | 36580439 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): [Redacted] Tracking Number [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322693 | [Redact] | [Redact] | 36580459 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322697 | [Redact] | [Redact] | 36581482 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322720 | [Redact] | [Redact] | 36581811 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-29): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322723 | [Redact] | [Redact] | 36581916 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-23): Collateral delivered on [Redacted]via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322723 | [Redact] | [Redact] | 37010217 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate provided without borrower signature. | Reviewer Comment (2026-07-22): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-21): Please see attached business purpose cert. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10322724 | [Redact] | [Redact] | 36582009 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10322724 | [Redact] | [Redact] | 36742580 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The verification appraisal delivered to the borrower was not provided. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10322728 | [Redact] | [Redact] | 36582100 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322854 | [Redact] | [Redact] | 36582155 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322854 | [Redact] | [Redact] | 36724485 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. | 06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10322854 | [Redact] | [Redact] | 36726614 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Reviewer Comment (2026-06-16): Received Tax Certificate. Exception cleared. Seller Comment (2026-06-16): [Redacted]: Please see attached documentation. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10323743 | [Redact] | [Redact] | 36585727 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10323747 | [Redact] | [Redact] | 36585728 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-30): Waived on Rate Lock: Collateral cleared by Custodian |
06/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10324623 | [Redact] | [Redact] | 36586875 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10324624 | [Redact] | [Redact] | 36586925 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-15): collateral delivered 0[Redacted] via [Redacted] tracking [Redacted] |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10324648 | [Redact] | [Redact] | 36586991 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10324648 | [Redact] | [Redact] | 36844170 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-07-06): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-02): Please see attached Business Purpose Certificate. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10324652 | [Redact] | [Redact] | 36587066 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-16): Collateral delivered on [Redacted] via [Redacted] [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10324652 | [Redact] | [Redact] | 36923306 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10324652 | [Redact] | [Redact] | 36923307 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Prepay penalty terms are not allowed in [Redacted]. | Reviewer Comment (2026-07-14): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10324650 | [Redact] | [Redact] | 36587154 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-18): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10324650 | [Redact] | [Redact] | 36738171 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification that the appraisal was delivered to the borrower was not provided. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10324759 | [Redact] | [Redact] | 36587921 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-06): Waived on Rate Lock: Collateral cleared by Custodian |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10324759 | [Redact] | [Redact] | 36862598 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-07-06): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-02): Please see attached Business Purpose Certificate. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10324761 | [Redact] | [Redact] | 36587929 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): Please find listed [Redacted] tracking ID#[Redacted], Delivered [Redacted], [Redacted]/[Redacted] at [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10324763 | [Redact] | [Redact] | 36587969 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325084 | [Redact] | [Redact] | 36587983 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-06): Waived on Rate Lock: Collateral cleared by Custodian |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10325084 | [Redact] | [Redact] | 36832968 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10325085 | [Redact] | [Redact] | 36588006 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): Please find listed uploaded [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325086 | [Redact] | [Redact] | 36588068 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-17): (Rate Lock) [Redacted]-Tracking for Note |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325087 | [Redact] | [Redact] | 36588081 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325087 | [Redact] | [Redact] | 36867569 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-06): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-02): Please see attached business purpose cert |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10325321 | [Redact] | [Redact] | 36588711 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325323 | [Redact] | [Redact] | 36588714 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325313 | [Redact] | [Redact] | 36588718 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325314 | [Redact] | [Redact] | 36588748 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): [Redacted] Tracking Number [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325353 | [Redact] | [Redact] | 36588914 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-16): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325353 | [Redact] | [Redact] | 36692962 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Final Closing Disclosure/Closing Statement for secured loan was not found in file. | Reviewer Comment (2026-06-15): Received Closing disclosure. Exception cleared. Seller Comment (2026-06-12): Please see attached CD for refinance of [Redacted] property |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10325353 | [Redact] | [Redact] | 36693055 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Rental Housing History was not provided. | Reviewer Comment (2026-06-15): Revised 1003 and documentation provided identifying the borrower was living rent free Seller Comment (2026-06-15): Please see the attached documentation including a corrected 1003 showing the borrower as living rent-free. The borrower lives rent-free in a home owned by a family member. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10325352 | [Redact] | [Redact] | 36588934 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10325352 | [Redact] | [Redact] | 36936935 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The file was missing a copy of the credit report. | Reviewer Comment (2026-07-14): Received and associated Credit Report. Exception cleared. Seller Comment (2026-07-13): Credit Report |
07/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10325352 | [Redact] | [Redact] | 36936946 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-07-10): Client elected to waive the condition on the Non-QM 1st lien |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10325352 | [Redact] | [Redact] | 36940333 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Final Closing Statement/First Payment Letter was not provided. | Reviewer Comment (2026-07-29): Received updated 1003 & 1008. Exception cleared. Seller Comment (2026-07-28): 1003 Reviewer Comment (2026-07-27): Provided Insurance Verification document reflects $[Redacted] ,Tax Verification$[Redacted]and P&I $[Redacted], however, final 1003 listed other payment as $[Redacted]. Please provide supporting document for other payment of $[Redacted]. Exception remains Seller Comment (2026-07-23): corrected 1003 to match the final CD Reviewer Comment (2026-07-22): CD is already available in file P&I is considered. HOA is verified. Received title parcel number is verified, tax verification ($[Redacted]) is considerable. However final 1003 shows total payments $[Redacted]. Please provide the proof of expenses for the remaining payment $[Redacted]. Exception remains. Seller Comment (2026-07-21): final closing disclosure Reviewer Comment (2026-07-20): HOA is verified. Received title parcel number is verified, tax verification ($[Redacted]) is considerable. However final 1003 shows total payments $[Redacted]. Please provide the proof of expenses for the remaining payment $[Redacted]. Exception remains. Seller Comment (2026-07-17): This property had [Redacted] for HOA dues listed however there are no HOA dues. See Appraisal pg[Redacted] that shows not PUD. See updated 1003/1008 and correct figures Seller Comment (2026-07-17): This property had [Redacted] for HOA dues listed however there are no HOA dues. See Appraisal pg [Redacted] that shows not PUD. See updated 1003/1008 and correct figures Reviewer Comment (2026-07-17): Received title parcel number is verified, tax verification ($[Redacted]) is considerable. However final 1003 shows total payments $[Redacted]. Please provide the proof of expenses for the remaining payment $[Redacted]. Exception remains. Seller Comment (2026-07-16): No payment was listed because it was being paid off with other loan. See CD that shows payoff and disbursement wire. Taxes [Redacted]. You can match the parcel # on title uploaded to tax cert or check the other loan you have documents for.. [Redacted] sometimes doesn't show for privacy. Reviewer Comment (2026-07-15): Unable to verify the property tax amount, as the tax certificates do not reflect the property address. Additionally, please confirm whether the [Redacted] (Account #[Redacted]) with an outstanding balance of $[Redacted] has been paid off or remains current. The final 1003 only reflects the outstanding balance and does not show a corresponding monthly mortgage payment. As a result, the liability has not been included in the DTI calculation. Mortgage payments are not accurate on the final 1003, updated 1003 & 1008 are required. Exception remains. Seller Comment (2026-07-14): Please check again. The address on the First payment letter first pages is the mailing address. See page [Redacted] [Redacted] [Redacted]where it says property address Reviewer Comment (2026-07-14): Received the First Payment Letter for [Redacted]; however, the required documentation pertains to [Redacted]. Please provide the First Payment Letter or Final Closing Statement for [Redacted]. Exception remains Seller Comment (2026-07-13): REO Docs |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10325363 | [Redact] | [Redact] | 36589046 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): collateral shipped via [Redacted] tracking ID [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325363 | [Redact] | [Redact] | 37298046 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-08-24): Initial LE is available. Exception cleared. Seller Comment (2026-08-21): The initial LE page [Redacted] provides notice to the borrower that we will promptly give a copy of any appraisal, even if your loan does not close. |
08/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10325381 | [Redact] | [Redact] | 36589322 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-06): Waived on Rate Lock: Collateral cleared by Custodian |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10325381 | [Redact] | [Redact] | 36872915 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10325380 | [Redact] | [Redact] | 36589326 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325804 | [Redact] | [Redact] | 36593188 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-16): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Home Improvement | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10325804 | [Redact] | [Redact] | 36975020 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Reviewer Comment (2026-07-17): Received approval. Exception cleared. Seller Comment (2026-07-16): please see attached approval letter and 1008 doc [Redacted] |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Home Improvement | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10325804 | [Redact] | [Redact] | 36978637 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-15): Sufficient Cure Provided At Closing |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10325806 | [Redact] | [Redact] | 36593557 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-07): [Redacted] Tracking Number [Redacted] |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325809 | [Redact] | [Redact] | 36593756 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325816 | [Redact] | [Redact] | 36598748 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-06): Waived on Rate Lock: Collateral cleared by Custodian |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325816 | [Redact] | [Redact] | 36827291 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The file was missing a copy of the Hazard Insurance Policy. | Reviewer Comment (2026-06-30): Received HOI policy. Exception cleared. Seller Comment (2026-06-29): hoi shows 100% replacement costs |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10325844 | [Redact] | [Redact] | 36601541 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): (Rate Lock) [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325920 | [Redact] | [Redact] | 36601724 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-29): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325921 | [Redact] | [Redact] | 36601777 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-30): Waived on Rate Lock: Collateral cleared by Custodian |
06/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325921 | [Redact] | [Redact] | 36820129 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate not provided. | Reviewer Comment (2026-07-06): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-02): Please see attached Business Purpose Certificate. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10325923 | [Redact] | [Redact] | 36603277 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326621 | [Redact] | [Redact] | 36603981 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): (Rate Lock) [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326629 | [Redact] | [Redact] | 36604307 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326622 | [Redact] | [Redact] | 36604308 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326638 | [Redact] | [Redact] | 36604309 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-03): Waived on Rate Lock: Collateral cleared by Custodian |
07/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326644 | [Redact] | [Redact] | 36605389 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Home Improvement | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326647 | [Redact] | [Redact] | 36605947 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-08): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326647 | [Redact] | [Redact] | 36850129 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-07-06): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-02): Please see attached Business Purpose Certificate. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10326648 | [Redact] | [Redact] | 36605983 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326650 | [Redact] | [Redact] | 36606160 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-17): [Redacted] Tracking Number [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10326650 | [Redact] | [Redact] | 36999903 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-22): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-07-21): please see attached lox, pccd & check Reviewer Comment (2026-07-20): [Redacted] the cure provided on Final CD is $[Redacted] whereas the total cure require is $[Redacted] which is insufficient to cure the credit report fee. Kindly provide additional cure of $[Redacted] along with cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment (2026-07-17): please see attached screen shot, credit report cure on final CD |
07/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10326660 | [Redact] | [Redact] | 36606211 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): (Rate Lock) [Redacted] |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10326660 | [Redact] | [Redact] | 36809450 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three business days prior to consummation. | 06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10327649 | [Redact] | [Redact] | 36610699 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10327649 | [Redact] | [Redact] | 36796999 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three business days prior to consummation. | 06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10327739 | [Redact] | [Redact] | 36611311 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10327741 | [Redact] | [Redact] | 36611473 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-20): [Redacted] Tracking Number [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10327839 | [Redact] | [Redact] | 36612028 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-01): (Rate Lock) [Redacted] |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10327839 | [Redact] | [Redact] | 36841611 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence that borrower received a copy of appraisal [Redacted] business days to closing. | 06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10327862 | [Redact] | [Redact] | 36612430 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): collateral delivered 0[Redacted] via [Redacted] tracking [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10327862 | [Redact] | [Redact] | 36922096 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Prepay penalty terms are not allowed in [Redacted]. | Reviewer Comment (2026-07-10): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redact] is allowable under law. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10327863 | [Redact] | [Redact] | 36612459 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-11): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
06/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10327868 | [Redact] | [Redact] | 36614104 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10327868 | [Redact] | [Redact] | 36907050 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA points and fees on the subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the original loan amount and $[Redacted]([Redacted]). FNMA finance charge totaled $[Redacted] on an original loan amount of $[Redacted], versus an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-07-08): Client elected to waive the condition on the Non-QM 1st lien |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10327871 | [Redact] | [Redact] | 36615048 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10327871 | [Redact] | [Redact] | 36719208 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-30): Received Replacement Cost Estimator. Exception cleared. Seller Comment (2026-07-29): [Redacted]: Please see the attached replacement cost estimator confirming sufficient coverage. Reviewer Comment (2026-07-14): Client responded to seller rebuttal Buyer Comment (2026-07-14): (Rate Lock) Communication with [Redacted] : At this time, [Redacted] continues to follow prior FNMA requirements for coverage amounts and does not accept lender letters. If we receive something from the insurance company verifying the coverage is "Guaranteed" replacement cost coverage or the RCE, we will be able to clear. Seller Comment (2026-06-17): [Redacted]: Escalating to buyer. Please see Fannie Mae Lender Letter. Page [Redacted] indicates that updates to insurance only require lender to obtain evidence that policy is based on replacement cost. The policy has an ordinance (that has also been attached) that confirms policy is based on replacement cost. Reviewer Comment (2026-06-16): The GSE method was used to determine the coverage requirement. The appraisal identified the total appraised value as $[Redacted] and 80% of this value is identified as insured value. The insurance is insufficient by $[Redacted]. Provide a revised policy/dec page with increased coverage, or documentation from the insurance company verifying the policy has Guaranteed Replacement cost coverage. Condition Remains. Seller Comment (2026-06-15): [Redacted]: Please see Fannie Mae Lender Letter. Page [Redacted] indicates that updates to insurance only require lender to obtain evidence that policy is based on replacement cost. The policy has an ordinance (that has also been attached) that confirms policy is based on replacement cost. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10327915 | [Redact] | [Redact] | 36626102 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-04): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10327915 | [Redact] | [Redact] | 37089464 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted] or Replacement Cost Estimator. | Reviewer Comment (2026-08-18): FNMA selling guide was updated on [Redacted][Redacted] and removed the previous coverage requirement calculation. The HOI was written on a replacement cost basis and the coverage is sufficient. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10327918 | [Redact] | [Redact] | 36626119 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-01): (Rate Lock) Delivered [Redacted]. tracking [Redacted]. Thanks! |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10327918 | [Redact] | [Redact] | 36835538 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10328077 | [Redact] | [Redact] | 36630578 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10328077 | [Redact] | [Redact] | 36831945 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10328084 | [Redact] | [Redact] | 36630689 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10328084 | [Redact] | [Redact] | 36902026 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. The difference is due to only [Redacted]% of the balance of the business account was used based on the borrower's ownership percentage. Also, the file was missing proof of the $[Redacted] EMD and the source of the EMD funds. | Reviewer Comment (2026-07-15): Received asset breakdown, verified the access letter. Exception cleared. Seller Comment (2026-07-14): UW Manager response: Borrower can use [Redacted]% of the business assets, not [Redacted]%. also the EMD was backed out from the ending balance. Please reference the underwriters asset worksheet for the full breakdown. There are plenty of assets for closing costs and reserves. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10328086 | [Redact] | [Redact] | 36630915 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10328086 | [Redact] | [Redact] | 37041919 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10328086 | [Redact] | [Redact] | 37042060 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-07-27): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-24): Please see attached Business purpose certificate. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10328086 | [Redact] | [Redact] | 37042090 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-07-27): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-24): Please see attached Business purpose certificate. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10328433 | [Redact] | [Redact] | 36630987 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-07): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Tracking [Redacted] |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10328435 | [Redact] | [Redact] | 36631102 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-12): Collateral shipped via [Redacted] Tracking ID [Redacted] delivered [Redacted], [Redacted] at [Redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10328435 | [Redact] | [Redact] | 37172507 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10328435 | [Redact] | [Redact] | 37173341 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The verification appraisal delivered to the borrower was not provided. | 08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10328435 | [Redact] | [Redact] | 37174488 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. Note: the executed standalone [Redacted] did not identify the date, loan number, borrower name or property address. | Reviewer Comment (2026-08-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-07): Please find attached business purpose cert |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10328436 | [Redact] | [Redact] | 36631208 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): (Rate Lock) ORIGINAL COLLATERAL SENT [Redacted] VIA [Redacted] [Redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10328436 | [Redact] | [Redact] | 36814386 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the Insurance Verification, Tax Verification. | Reviewer Comment (2026-07-03): Documentation verify the REO expenses was provided Reviewer Comment (2026-07-03): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Insurance Verification, Tax Verification Seller Comment (2026-07-02): (Rate Lock) tax info is for the requested address Reviewer Comment (2026-06-29): Received HOI & tax verification, however tax verification does not show the proper REO address #[Redacted]. Please provide the tax verification with proper address. Exception remains. Seller Comment (2026-06-26): (Rate Lock) prev sent Seller Comment (2026-06-26): (Rate Lock) this was included with original upload |
07/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10328451 | [Redact] | [Redact] | 36632120 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-14): (Rate Lock) [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10328467 | [Redact] | [Redact] | 36632674 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-30): (Rate Lock) [Redacted] |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10328644 | [Redact] | [Redact] | 36632886 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Buyer Comment (2026-07-29): (Rate Lock) [Redacted]delivered [Redacted] Seller Comment (2026-07-28): (Rate Lock) Please see attached Note tracking-thank you |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10328644 | [Redact] | [Redact] | 37013218 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement / Sales Contract is missing. | Reviewer Comment (2026-07-29): Received Purchase contract. Exception cleared. Seller Comment (2026-07-28): (Rate Lock) Please see attached purchase contract-thank you |
07/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10328644 | [Redact] | [Redact] | 37013331 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10328644 | [Redact] | [Redact] | 37013332 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10328644 | [Redact] | [Redact] | 37021408 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Reviewer Comment (2026-07-29): Received Guarantor Agreement. Exception cleared. Seller Comment (2026-07-28): (Rate Lock) Please see attached-thank you |
07/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10329035 | [Redact] | [Redact] | 36633415 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10329035 | [Redact] | [Redact] | 36905932 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10329035 | [Redact] | [Redact] | 36905933 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three business days prior to closing, and appraisal was not provided at or before closing. | 07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10329035 | [Redact] | [Redact] | 36905934 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-07-08): Client elected to waive the condition on the Non-QM 1st lien |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10329039 | [Redact] | [Redact] | 36633595 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-04): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329039 | [Redact] | [Redact] | 37086866 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not found in file. | Reviewer Comment (2026-07-31): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-30): Please find attached Business Purpose |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10329082 | [Redact] | [Redact] | 36633753 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-30): (Rate Lock) [Redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10329082 | [Redact] | [Redact] | 37103736 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 07/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10329084 | [Redact] | [Redact] | 36633921 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10329084 | [Redact] | [Redact] | 36738706 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence that the borrower received a copy of the appraisal [Redacted] business days prior to closing. | 06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10329322 | [Redact] | [Redact] | 36634083 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10329322 | [Redact] | [Redact] | 36931383 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 07/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10329322 | [Redact] | [Redact] | 36931384 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three [Redacted] business days prior to consummation. | 07/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10329322 | [Redact] | [Redact] | 36931385 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-07-10): Client elected to waive the condition on the Non-QM 1st lien |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10329322 | [Redact] | [Redact] | 36931443 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-16): Received and associated Replacement Cost Estimator. Exception cleared. Seller Comment (2026-07-15): RCE |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10329327 | [Redact] | [Redact] | 36634104 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10329327 | [Redact] | [Redact] | 36730920 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-06-15): Client elected to waive the condition on the Non-QM 1st lien |
06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10329327 | [Redact] | [Redact] | 36731062 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-15): Sufficient Cure Provided At Closing |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10329327 | [Redact] | [Redact] | 36731071 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-15): Sufficient Cure Provided At Closing |
06/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10329325 | [Redact] | [Redact] | 36634106 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10329325 | [Redact] | [Redact] | 36776421 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Client approved an exception; Guidelines state unique properties are ineligible. The subject is considered unique as it is an A-frame. Appraiser states A-frame homes are less common; the comparable sales utilized represent the best available market evidence for this unique property type. | Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Reserves: [Redacted] months reserves where [Redacted] is required ([Redacted]) LTV [Redacted] where [Redacted] is maximum. |
[Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-06-22): Client elected to waive the condition with the following Compensating Factors: LTV [Redacted] where [Redacted] is maximum. Credit Depth: [Redacted] years mortgage payment history and [Redacted] years trade history paid as agreed Reserves: [Redacted] months reserves where [Redacted] is required ([Redacted]X) |
06/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10329325 | [Redact] | [Redact] | 36776457 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10329325 | [Redact] | [Redact] | 36794149 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | The initial 1003 identified the borrower would occupy the subject as a primary residence. | 06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10329323 | [Redact] | [Redact] | 36634108 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329326 | [Redact] | [Redact] | 36634110 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329319 | [Redact] | [Redact] | 36634111 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329318 | [Redact] | [Redact] | 36634217 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-29): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329318 | [Redact] | [Redact] | 37051289 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-27): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-24): business purpose |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10329318 | [Redact] | [Redact] | 37051340 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-07-28): Received Business purpose certificate. Exception cleared. Seller Comment (2026-07-27): business purpose |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10329334 | [Redact] | [Redact] | 36636733 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-13): collateral shipped via [Redacted] Tracking ID [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329672 | [Redact] | [Redact] | 36641719 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-09): Waived on Rate Lock: Collateral cleared by Custodian |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10329672 | [Redact] | [Redact] | 36653775 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Title Preliminary document is missing the policy amount. | 06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10329672 | [Redact] | [Redact] | 36668785 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Allow the association having an outstanding commercial loan and previous structural inspection findings when all emergency balcony constructions have been completed and passed including our subject unit [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Client elects to waive with compensating factors: Job stability: [Redacted]+ years at current employer. Client elects to waive with compensating factors:[Redacted] HOA reserves well beyond cost to fund project with expected completed within next [Redacted] days. |
Aggregator,[Redact] [Redact],Originator Pre-Close,Aggregator |
Reviewer Comment (2026-06-05): Client elects to waive with compensating factors: [Redacted] LTV is [Redacted] below max ([Redacted]), [Redacted] HOA reserves well beyond cost to fund project with expected completed within next [Redacted] days. and Job stability: [Redacted]+ years at current employer. |
06/05/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10329675 | [Redact] | [Redact] | 36642057 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329679 | [Redact] | [Redact] | 36642060 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10329679 | [Redact] | [Redact] | 36816169 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10329682 | [Redact] | [Redact] | 36642531 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-18): [Redacted] Tracking Number [Redacted] |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | D | A | C | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329682 | [Redact] | [Redact] | 36751180 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure and Closing was not found in file. | Reviewer Comment (2026-06-23): Final settlement statement provided Seller Comment (2026-06-22): please see attached alta Reviewer Comment (2026-06-19): The ledger will not clear the condition as it is a disbursement summary and not a detail of the transaction. A HUD, CD, or Settlement Statement is required to clear the condition. Condition is valid and remains open Seller Comment (2026-06-19): please see attached disbursement ledger from title company. this is a DSCR non TRID loan, no CD\HUD1 required |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | C | A | D | A | A | A | N/A | No | |||||||||||
| [Redact] | 10329682 | [Redact] | [Redact] | 36751184 | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Final Closing Disclosure was not found in file. | Reviewer Comment (2026-06-23): Final settlement statement provided |
06/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | C | A | D | A | A | A | N/A | No | ||||||||||
| [Redact] | 10329697 | [Redact] | [Redact] | 36643503 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): Collateral delivered on [Redacted]via [Redacted] tracking number [Redacted]. |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329697 | [Redact] | [Redact] | 36937493 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-07-15): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-15): Please see attached business purpose cert |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10329697 | [Redact] | [Redact] | 36937798 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Fully executed Gift Letter not provided. Note: assets of $[Redacted] were required to be verified: $[Redacted]funds to close (includes $[Redacted]in POC fess) + [Redacted] months PITIA reserves of $[Redacted]($[Redacted] PITIA x [Redacted]). Total assets verified were $[Redacted], including $[Redacted]in acct [Redacted]; Paid invoices for POC fees of $[Redacted]; $[Redacted]gift (excluded from [Redacted]) provided to the borrower on [Redacted]. Without the gift funds, the reserve requirement was not met. | Reviewer Comment (2026-07-15): Received and associated Gift Letter. Exception cleared. Seller Comment (2026-07-15): Please see attached gift letter. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10329698 | [Redact] | [Redact] | 36643549 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): Please find listed [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted]/[Redacted] at [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329795 | [Redact] | [Redact] | 36645065 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10329795 | [Redact] | [Redact] | 36817415 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redact] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | [Redacted] Higher-Priced Mortgage Loan: Borrower was not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-07-07): Client elected to waive the condition Reviewer Comment (2026-06-30): The condition is firing due to the file missing the HPML disclosure required for the state. Proof of receipt of the appraisal was in the initial file. Note: the [Redacted] HPML disclosure must contain information about the non-higher priced mortgage loans that are available and for which the borrower may qualify. Condition is valid and remains open Seller Comment (2026-06-26): [Redacted] [Redacted]: Please see the attached Appraisal Delivery Package |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10329795 | [Redact] | [Redact] | 36817416 | Compliance | Compliance | State Compliance | State HPML | [Redacted] Threshold Test Non-Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher-Priced Loan. | Reviewer Comment (2026-07-07): Client elected to waive the condition Reviewer Comment (2026-06-30): The condition is firing due to the file missing the HPML disclosure required for the state. Proof of receipt of the appraisal was in the initial file. Note: the [Redacted] HPML disclosure must contain information about the non-higher priced mortgage loans that are available and for which the borrower may qualify. Condition is valid and remains open Seller Comment (2026-06-26): [Redacted] [Redacted]: Please see the attached Appraisal Delivery Package |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10329795 | [Redact] | [Redact] | 36817418 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-24): Sufficient Cure Provided At Closing |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10329777 | [Redact] | [Redact] | 36645066 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10329777 | [Redact] | [Redact] | 36761960 | Compliance | Compliance | State Compliance | State Defect | [Redacted] | [Redacted] Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-07-13): Certificate of Compliance provided Seller Comment (2026-07-10): [Redacted] Please see attached [Redacted] Cert |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10329793 | [Redact] | [Redact] | 36645081 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329788 | [Redact] | [Redact] | 36645085 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329778 | [Redact] | [Redact] | 36645101 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329787 | [Redact] | [Redact] | 36645188 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-05): Waived on Rate Lock: Collateral cleared by Custodian |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329787 | [Redact] | [Redact] | 37033184 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Evidence of title is missing in file. | Reviewer Comment (2026-07-22): Received Title Commitment. Exception cleared. Seller Comment (2026-07-22): title |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10329787 | [Redact] | [Redact] | 37033186 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title evidence is missing in file. | Reviewer Comment (2026-07-22): Received Title Commitment. Exception cleared. Seller Comment (2026-07-22): title |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10329787 | [Redact] | [Redact] | 37038555 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-22): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): business purpose |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10329787 | [Redact] | [Redact] | 37038559 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-22): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): business purpose |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10329776 | [Redact] | [Redact] | 36645257 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | C | A | N/A | No | ||||||||||||
| [Redact] | 10329776 | [Redact] | [Redact] | 37034524 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | 442- Certificate of Completion is not provided in file. | Reviewer Comment (2026-08-12): Client elected to accept the borrower photos and attestation confirming the repairs were made. Reviewer Comment (2026-08-06): When an appraisal is made "Subject to repairs", pictures and an attestation from the borrower is NOT acceptable,. The completion cert/442 must come from the appraiser that made the loan subject to. The condition is valid and remains open Seller Comment (2026-08-05): Please send to the buyer to review per guidelines alternative documentation is acceptable. We provided the LOE, pictures and invoice to confirm all repairs have been completed and per guidelines this is acceptable in lieu of 1004D. Reviewer Comment (2026-07-29): Received LOE from borrower regarding repairs, please provide the 1004D completion report. Exception remains. Seller Comment (2026-07-28): repairs |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | C | A | N/A | No | ||||||||||
| [Redact] | 10329776 | [Redact] | [Redact] | 37034571 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | C | A | N/A | No | |||||||||||
| [Redact] | 10329776 | [Redact] | [Redact] | 37035545 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-07-22): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): business purpose |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | C | A | N/A | No | |||||||||||
| [Redact] | 10329776 | [Redact] | [Redact] | 37035560 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-07-22): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): business purpose |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | C | A | N/A | No | |||||||||||
| [Redact] | 10329791 | [Redact] | [Redact] | 36645279 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-23): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10329791 | [Redact] | [Redact] | 36722603 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The homeowner's insurance declarations page in the file verified an effective date of [Redacted], which is after the consummation date of [Redacted]. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. | Reviewer Comment (2026-07-21): Updated declarations page provided verifying an earlier effective date Seller Comment (2026-07-21): Please see attached policy. Reviewer Comment (2026-07-10): Received flood insurance policy. Please provide HOI policy within the note date [Redacted][Redacted]. Exception remains. Seller Comment (2026-07-09): Please see attached flood policy Reviewer Comment (2026-06-29): HOI effective date is not within the closing date please provide the previous HOI policy within the closing date [Redacted][Redacted]. Exception remains. Seller Comment (2026-06-26): Loan did not fund until [Redacted]. Hazard was effective when loan funded. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10329791 | [Redact] | [Redact] | 36722608 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification that the appraisal was delivered to the borrower was not provided. | 06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10329782 | [Redact] | [Redact] | 36645339 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-21): Collateral delivered on [Redacted] via [Redacted] [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329811 | [Redact] | [Redact] | 36645975 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10330294 | [Redact] | [Redact] | 36650307 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-16): Waived on Rate Lock: Collateral cleared by Custodian |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10330311 | [Redact] | [Redact] | 36650445 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-08): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10330311 | [Redact] | [Redact] | 36886342 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-07-07): Client elected to waive the condition on the Non-QM 1st lien |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10330316 | [Redact] | [Redact] | 36651071 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-14): (Rate Lock) [Redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10330319 | [Redact] | [Redact] | 36651077 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-17): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10330319 | [Redact] | [Redact] | 36969677 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three business days prior to consummation. | 07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10330318 | [Redact] | [Redact] | 36651168 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-15): Please find listed [Redacted] tracking ID: [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10330318 | [Redact] | [Redact] | 36921989 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not found in file. | 07/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10330318 | [Redact] | [Redact] | 36922004 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Fully executed Business Purpose Certificate was not found in file. | Reviewer Comment (2026-07-15): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-15): Please find attached Business Purpose |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10330318 | [Redact] | [Redact] | 36924705 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not found in file. | Reviewer Comment (2026-07-15): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-15): Please find attached business purpose |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10330331 | [Redact] | [Redact] | 36651353 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-30): Waived on Rate Lock: Collateral cleared by Custodian |
06/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10330327 | [Redact] | [Redact] | 36651385 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10330327 | [Redact] | [Redact] | 36937248 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-07-14): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-14): business purpose |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10330330 | [Redact] | [Redact] | 36651429 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-28): collateral delivered 0[Redacted]26 via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10330333 | [Redact] | [Redact] | 36652171 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-28): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10330358 | [Redact] | [Redact] | 36653757 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10330376 | [Redact] | [Redact] | 36654318 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-19): Waived on Rate Lock: Collateral cleared by Custodian |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10330376 | [Redact] | [Redact] | 36728503 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo/PUD warranty was not found in file. | Reviewer Comment (2026-06-18): Received warrantable project form. Exception cleared. Seller Comment (2026-06-17): [Redacted]: Please see attached. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10330427 | [Redact] | [Redact] | 36654436 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-20): (Rate Lock) [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10330427 | [Redact] | [Redact] | 37011849 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. | 07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10330429 | [Redact] | [Redact] | 36654520 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-17): (Rate Lock) [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10330429 | [Redact] | [Redact] | 37000084 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. | 07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10330430 | [Redact] | [Redact] | 36654630 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-18): [Redacted] Tracking Number [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10330430 | [Redact] | [Redact] | 36806880 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | The Lifetime Cap does not agree with Schedule SCH: MISSING NOTE: [Redacted] | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian |
06/24/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10330436 | [Redact] | [Redact] | 36656371 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10330436 | [Redact] | [Redact] | 36973191 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10331238 | [Redact] | [Redact] | 36660076 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): Please find listed [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10331257 | [Redact] | [Redact] | 36660330 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-30): [Redacted] Tracking Number [Redacted] |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10331257 | [Redact] | [Redact] | 36835057 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10331257 | [Redact] | [Redact] | 36835063 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non-QM does not match Due Diligence Loan Designation of ATR Fail. | Reviewer Comment (2026-07-07): Additional pay stub within [Redacted]days of closing was provided |
07/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10331257 | [Redact] | [Redact] | 36835064 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, paystub provided was dated more than 90 days prior to closing, WVOE provided was dated more than 90 days prior to closing. | Unable to verify income due to paystub provided and WVOE provided was dated more than 90 days prior to closing. | Reviewer Comment (2026-07-07): Additional pay stub within [Redacted]days of closing was provided Seller Comment (2026-07-02): please see attached paystub for period [Redacted] completing within [Redacted] days of closing requirement Reviewer Comment (2026-07-01): VOE provided, but still missing paystub dated with[Redacted] days of closing. Seller Comment (2026-06-30): please see B1 closing voe doc [Redacted] page [Redacted]-[Redacted] |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10331257 | [Redact] | [Redact] | 36835065 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Unable to verify income due to paystub provided and WVOE provided was dated more than 90 days prior to closing. | Reviewer Comment (2026-07-07): Additional pay stub within [Redacted]days of closing was provided |
07/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10331257 | [Redact] | [Redact] | 36846529 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | The file is missing a copy of the final Closing Disclosure or settlement statement from the sale of the departure residence. The Closing Disclosure in the file was not dated nor executed and states 'preliminary'. | Reviewer Comment (2026-07-01): Signed CD provided. Exception cleared. Seller Comment (2026-07-01): cd uploaded on [Redacted] as trailing doc [Redacted] is the CD from their departing home at [Redacted]. our borrower is the "seller" on that transaction Reviewer Comment (2026-07-01): Received seller CD, please provide the final CD for the sale of departure residence. Exception remains. Seller Comment (2026-06-30): please see attached departing cd for [Redacted] |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10331260 | [Redact] | [Redact] | 36660426 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10331255 | [Redact] | [Redact] | 36660428 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10331255 | [Redact] | [Redact] | 37052826 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the right to receive a copy of the appraisal at least three business days prior to closing, and the appraisal was not provided at or before closing. | 07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10331256 | [Redact] | [Redact] | 36660429 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10331265 | [Redact] | [Redact] | 36660636 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): [Redacted] Tracking Number [Redacted] |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10331653 | [Redact] | [Redact] | 36661392 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10331653 | [Redact] | [Redact] | 36921952 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence that borrower received a copy of appraisal 3 business days prior to closing. | 07/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10332195 | [Redact] | [Redact] | 36661781 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-30): (Rate Lock) [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10332195 | [Redact] | [Redact] | 37096889 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | 07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10332195 | [Redact] | [Redact] | 37096892 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-08-11): FNMA selling guide was updated on [Redacted][Redacted] and removed the previous coverage requirement calculation. The HOI was written on a replacement cost basis and the coverage is sufficient. Reviewer Comment (2026-08-05): The condition is valid and remains open. The client has not adopted the FNMA Lender Letter and the coverage requirements still identified in the FNMA selling guide apply. Provide a copy of the replacement cost estimate, a revised policy with increased coverage, or proof from the insurance company verifying the current coverage is guaranteed replacement cost coverage. Condition remains Seller Comment (2026-08-04): The applicable [Redacted] NQM Underwriting Guide requires hazard insurance to meet Fannie Mae guidelines. Fannie Mae [Redacted], effective [Redacted][Redacted], retired the requirement to document replacement cost value to verify the insurance coverage amount for one-to-four-unit properties. The requested $[Redacted] equals [Redacted]% of the $[Redacted]appraised value, but that calculation is no longer the applicable standard. [Redacted] also does not require guaranteed replacement cost coverage for an individual one-to-four-unit property, as that documentation is listed separately under the master insurance requirements for project developments. The [Redacted] declaration located on loan file page , ([Redacted]), is for the subject property at [Redacted], provides $[Redacted] in dwelling coverage, was active on the Note date, and includes the correct mortgagee and loan number. Since the $[Redacted] shortage is based solely on the retired coverage calculation, the request for $[Redacted] coverage or an insurer RCE is not supported by the current guideline. [Redacted] is attached. Please Cancel. Reviewer Comment (2026-08-03): GSE method is used, system is automatically calculated [Redacted]% of the insurance on the appraised value $[Redacted]. Coverage shortfall is $[Redacted]. Updated HOI policy or HOI policy with guaranteed replacement cost is required. Exception remains. Seller Comment (2026-07-31): [Redacted] Home guidelines require hazard insurance to meet Fannie Mae requirements. Under Fannie Mae [Redacted], the prior requirement to determine coverage sufficiency using the appraised value has been retired for one-to-four-unit properties. The subject policy provides dwelling coverage on a replacement-cost basis and is therefore deemed to provide sufficient coverage. The $[Redacted] requirement based on 80% of the $[Redacted] appraised value is no longer applicable. Please Cancel. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10332196 | [Redact] | [Redact] | 36661797 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-14): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10332196 | [Redact] | [Redact] | 36939343 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA and Insurance verification document missing for the primary residence. | Reviewer Comment (2026-07-20): Received and associated HOA & Insurance verification. Exception cleared. Seller Comment (2026-07-17): Docs Seller Comment (2026-07-17): See [Redacted]. HOA $[Redacted]. Purchased with free and clear with no HOI. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10332196 | [Redact] | [Redact] | 36966531 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10332494 | [Redact] | [Redact] | 36663957 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10332494 | [Redact] | [Redact] | 36829274 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10333616 | [Redact] | [Redact] | 36668957 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10333617 | [Redact] | [Redact] | 36668986 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10333634 | [Redact] | [Redact] | 36669549 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10333634 | [Redact] | [Redact] | 36771894 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10333953 | [Redact] | [Redact] | 36670158 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-08): (Rate Lock) [Redacted] |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10333953 | [Redact] | [Redact] | 36886683 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10333953 | [Redact] | [Redact] | 36890204 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Reviewer Comment (2026-07-13): Revised note provided and borrower signed individually and on behalf of the LLC. A Guaranty agreement is not required. Seller Comment (2026-07-13): Attaching updated executed Note for [Redacted] / [Redacted]. The updated Note signature page now reflects [Redacted] signed both on behalf of [Redacted] as Sole Member/Manager and individually as borrower. Per [Redacted] Underwriting Guide Section 4.8.2, when the co-mortgagors are the Entity and a natural person with authority to sign on behalf of the Entity, the Note must be executed by all borrowers and the Entity, and a separate agreement or personal guarantee document is not required. Since the updated Note now reflects both required signatures, the Guarantor Agreement finding has been cured. Please Clear. Reviewer Comment (2026-07-09): A guarantor agreement is required. Had the sole member of the LLC signed individually AND on behalf of the LLC, the guarantor agreement is not required. But since the note was only signed on behalf of the LLC, a personal guaranty is required and a guarantor agreement is needed. Condition is valid and remains open Seller Comment (2026-07-09): The missing Guarantor Agreement finding should be cancelled. The loan file contains the executed Note, which reflects [Redacted], a [Redacted], signed by [Redacted] as Sole Member/Manager. Per the [Redacted] Underwriting Guide Section 4.8.2, when the co-mortgagors are the Entity and a natural person with authority to sign on behalf of the Entity, the Note must be executed by all borrowers and the Entity, and a separate agreement or personal guarantee document is not required. The guideline only requires a Personal Guarantee for Wholesale and Direct DSCR loans. This loan is an Access Alternate Income loan using 12-month business bank statements, not a DSCR loan. Since the Note was properly executed by the LLC through [Redacted] as Sole Member/Manager, the Guarantor Agreement is not required. Please Cancel. Reviewer Comment (2026-07-08): Guarantor agreement not provided; seller loaded incorrect doc in error. Condition remains Seller Comment (2026-07-08): (Rate Lock) [Redacted] |
07/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10333953 | [Redact] | [Redact] | 36890512 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10333966 | [Redact] | [Redact] | 36670373 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): Collateral delivered on [Redacted]via [Redacted] tracking [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10333967 | [Redact] | [Redact] | 36670485 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-07): Please find listed [Redacted] Tracking ID: [Redacted]Delivered [Redacted], [Redacted] at [Redacted] Seller Comment (2026-07-06): Please find listed [Redacted] Tracking ID: [Redacted]Delivered [Redacted], [Redacted] at [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10333968 | [Redact] | [Redact] | 36670544 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): Please find listed [Redacted] Tracking ID: [Redacted] Delivered:[Redacted], [Redacted][Redacted] at [Redacted] |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10333969 | [Redact] | [Redact] | 36670625 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-30): Waived on Rate Lock: Collateral cleared by Custodian |
06/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10333973 | [Redact] | [Redact] | 36671122 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-06): Waived on Rate Lock: Collateral cleared by Custodian |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10333973 | [Redact] | [Redact] | 36878106 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The income documentation provided in the file is incomplete. Multiple entities are missing the business tax returns, K1's, and the [Redacted] business tax return extension. Provide the following docs for the entities: [Redacted] K1, and [Redacted] business tax return extension for [Redacted]. [Redacted], and [Redacted], and [Redacted] business tax return extension for [Redacted]. [Redacted], and [Redacted] business tax return extension for [Redacted]. [Redacted] for [Redacted]. [Redacted], and [Redacted] business tax return extension for [Redacted]. [Redacted], [Redacted], and [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. |
Reviewer Comment (2026-07-15): Missing business tax returns and K1s provided Seller Comment (2026-07-13): Business Tax Returns and [Redacted] Extensions Seller Comment (2026-07-13): Business Tax Returns, K1 and business tax return extension |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10333973 | [Redact] | [Redact] | 36878107 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The income documentation provided in the file is incomplete. Multiple entities are missing the business tax returns, K1's, and the [Redacted] business tax return extension. Provide the following docs for the entities: [Redacted] 1065, [Redacted] K1, and [Redacted] business tax return extension for[Redacted]. [Redacted] 1065, and [Redacted] K1, and [Redacted] business tax return extension for [Redacted]. [Redacted] 1065, [Redacted]K1, and [Redacted] business tax return extension for [Redacted]. [Redacted] 1065, and [Redacted] K1 for [Redacted]. [Redacted] 1065, [Redacted]& [Redacted] K1, and [Redacted] business tax return extension for [Redacted]. [Redacted] 1065, [Redacted] K1, and [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. [Redacted] business tax return extension for [Redacted]. |
Reviewer Comment (2026-07-15): Missing business tax returns and K1s provided Seller Comment (2026-07-13): Business Tax Returns and Extension Seller Comment (2026-07-13): Business Tax Returns, K1 and business tax return extension |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10333975 | [Redact] | [Redact] | 36671231 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-03): Waived on Rate Lock: Collateral cleared by Custodian |
07/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10333980 | [Redact] | [Redact] | 36671479 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10333980 | [Redact] | [Redact] | 36825131 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-07-02): Client elected to waive the condition on the Non-QM 1st lien Seller Comment (2026-06-30): Please specify fee or fees causing the tolerance violation. Our final mavent compliance report does not identify any TILA RESPA fails. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10333981 | [Redact] | [Redact] | 36671531 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10334008 | [Redact] | [Redact] | 36671615 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): please find listed [Redacted] tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10334008 | [Redact] | [Redact] | 37001736 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | The file is missing a copy of the Articles of Organization/Formation. | Reviewer Comment (2026-07-23): Received Articles of Organization/Formation. Exception cleared. Seller Comment (2026-07-22): Please find attached articles of organization |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10334008 | [Redact] | [Redact] | 37001738 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The file is missing a copy of the Certificate of Good Standing. | Reviewer Comment (2026-07-20): Received and associated Certificate of Good Standing. Exception cleared. Seller Comment (2026-07-20): Please find attached certificate of good standing |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10334008 | [Redact] | [Redact] | 37001740 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The file is missing a copy of the Corporate Resolution. | Reviewer Comment (2026-08-04): Received Operating agreement. Exception cleared. Seller Comment (2026-08-04): Please see operating agreement previously provided. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10334008 | [Redact] | [Redact] | 37001743 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file is missing a copy of the Operating Agreement. | Reviewer Comment (2026-07-20): Received and associated Operating Agreement. Exception cleared. Seller Comment (2026-07-20): Please find attached Operating Agreement |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10334008 | [Redact] | [Redact] | 37007448 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | The file is missing the LLC's EIN and all other documentation to verify ownership. | Reviewer Comment (2026-07-22): Received Employer Identification Number (EIN). Exception cleared. Seller Comment (2026-07-22): Please find attached EIN |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10334933 | [Redact] | [Redact] | 36671795 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): [Redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10334933 | [Redact] | [Redact] | 36856706 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10337932 | [Redact] | [Redact] | 36675959 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): (Rate Lock) Per tracking [Redacted]the Note was delivered on [Redacted]. |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | B | B | B | B | C | A | N/A | No | ||||||||||||
| [Redact] | 10337932 | [Redact] | [Redact] | 36923976 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 07/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | B | B | B | B | C | A | N/A | No | |||||||||||
| [Redact] | 10337932 | [Redact] | [Redact] | 36924021 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | 442 is not provided evidencing roof eave damage has been repaired. | Reviewer Comment (2026-07-17): 442 provided Seller Comment (2026-07-17): (Rate Lock) 1004 Reviewer Comment (2026-07-17): Received 442 however [Redacted] pages are missing, [Redacted] out of [Redacted] pages are provided. Please provide the complete 442 with all pages. Exception remains. Seller Comment (2026-07-16): (Rate Lock) 1004D |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | B | B | B | B | C | A | N/A | No | ||||||||||
| [Redact] | 10337932 | [Redact] | [Redact] | 36924105 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 07/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | B | B | B | B | C | A | N/A | No | |||||||||||
| [Redact] | 10337932 | [Redact] | [Redact] | 36924106 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 07/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | B | B | B | B | C | A | N/A | No | |||||||||||
| [Redact] | 10338228 | [Redact] | [Redact] | 36676208 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-26): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10338228 | [Redact] | [Redact] | 36771128 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-06-23): Fully executed Business Purpose Cert provided Seller Comment (2026-06-23): business purpose |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10338228 | [Redact] | [Redact] | 36771132 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-06-23): Fully executed Business Purpose Cert provided Seller Comment (2026-06-23): business purpose |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10338508 | [Redact] | [Redact] | 36676489 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-27): Waived on Rate Lock: Collateral cleared by Custodian |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10338509 | [Redact] | [Redact] | 36676656 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-09): Waived on Rate Lock: Collateral cleared by Custodian |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10338509 | [Redact] | [Redact] | 36868412 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-01): Sufficient Cure Provided At Closing |
07/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10338509 | [Redact] | [Redact] | 36873026 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | The condo is considered non-warrantable due to critical repairs. Client exception approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. The representative FICO score is above [Redacted]. |
$[Redacted]post-close reserves ([Redacted] months or [Redacted] ). | [Redact],Aggregator [Redact] [Redact] [Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-07-02): Client elected to waive the condition with the following Compensating Factors: [Redacted] LTV is [Redacted] below max ([Redacted]) $[Redacted] post-close reserves ([Redacted] months or [Redacted]). HOA is property funded and maintains sufficient reserve balance to complete repairs with no imminent threat to structural integrity or life safety. |
07/02/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||
| [Redact] | 10339295 | [Redact] | [Redact] | 36677772 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-05): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10339295 | [Redact] | [Redact] | 37112311 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Business purpose was not executed. | Reviewer Comment (2026-08-03): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-31): Please see attached business purpose cert. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10339295 | [Redact] | [Redact] | 37112313 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose was not executed. | Reviewer Comment (2026-08-03): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-31): Please see attached business purpose cert. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10339546 | [Redact] | [Redact] | 36678103 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-20): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-17): (Rate Lock) [Redacted] |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10339550 | [Redact] | [Redact] | 36678332 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
06/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10339550 | [Redact] | [Redact] | 36729585 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-06-16): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-06-16): business purpose |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10339680 | [Redact] | [Redact] | 36679080 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): [Redacted] Tracking Number [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10339750 | [Redact] | [Redact] | 36682902 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): Please find listed [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10339751 | [Redact] | [Redact] | 36682914 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-21): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10339752 | [Redact] | [Redact] | 36682915 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-07): delivered [Redacted]. [Redacted] [Redacted] |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10339756 | [Redact] | [Redact] | 36682969 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-02): (Rate Lock) [Redacted] |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10340487 | [Redact] | [Redact] | 36693217 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): Collateral shipped via [Redacted] Tracking [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10340483 | [Redact] | [Redact] | 36693243 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-07): Please find listed [Redacted] Tracking ID:[Redacted] Delivered [Redacted], [Redacted] at [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10340484 | [Redact] | [Redact] | 36693295 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): Please find listed [Redacted] tracking ID: [Redacted], delivered [Redacted], [Redacted]/[Redacted] at [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10340484 | [Redact] | [Redact] | 37021946 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal [Redacted] business days to closing. | 07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10340612 | [Redact] | [Redact] | 36693500 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10340628 | [Redact] | [Redact] | 36694034 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10340628 | [Redact] | [Redact] | 36939561 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | 07/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10340640 | [Redact] | [Redact] | 36694789 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-29): Waived on Rate Lock: Collateral cleared by Custodian |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10340635 | [Redact] | [Redact] | 36694850 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-14): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10340635 | [Redact] | [Redact] | 36943982 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | 07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10340672 | [Redact] | [Redact] | 36695322 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-23): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-19): [Redacted] Tracking Number [Redacted] |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10340672 | [Redact] | [Redact] | 36743522 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10340802 | [Redact] | [Redact] | 36695808 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-09): Waived on Rate Lock: Collateral cleared by Custodian |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10340802 | [Redact] | [Redact] | 36873850 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank; provide a Supplement report reflecting the policy amount. | 07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10340802 | [Redact] | [Redact] | 36873864 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing for the property '[Redacted]'. | Reviewer Comment (2026-07-08): Docs provided to verify the PITIA Seller Comment (2026-07-07): REO Docs-Newly closed loan |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10341666 | [Redact] | [Redact] | 36699911 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-25): [Redacted] Tracking Number [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10341666 | [Redact] | [Redact] | 36811354 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | The mortgage loan file contains documenting evidence that the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10341666 | [Redact] | [Redact] | 36812150 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Occupancy discrepancy. | Property occupancy of ___ does not match Guideline property occupancy of ___. | Property occupancy of Investment does not match guideline property occupancy of Primary. First-Time homebuyers are only allowed to purchase a Primary Residence per guidelines. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower has been employed in the same industry for more than[Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Miscellaneous |
DTI of [Redacted]% where [Redacted]% is maximum [Redacted] months reserves where[Redacted] is minimum ([Redacted]) LTV of [Redacted]% where [Redacted]% is maximum |
[Redact],Aggregator [Redact] [Redact] [Redact] Aggregator,[Redact] [Redact] [Redact] Aggregator |
Reviewer Comment (2026-07-01): Client elected to waive the condition with the following compensating factors: LTV of [Redacted]% where [Redacted]% is maximum [Redacted] months reserves where [Redacted] is minimum (8X) DTI of [Redacted]% where [Redacted]% is maximum Reviewer Comment (2026-06-29): As per the guidelines, first-time homebuyers are eligible only for the purchase of a primary residence; properties classified as investment does not meet the guideline. Exception remains. Seller Comment (2026-06-26): Please see final 1003 [Redacted]. Occupancy for primary is No. |
07/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||
| [Redact] | 10341674 | [Redact] | [Redact] | 36700113 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-16): Collateral delivered on [Redacted] via [Redacted] [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10341672 | [Redact] | [Redact] | 36700168 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10341671 | [Redact] | [Redact] | 36700232 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10342187 | [Redact] | [Redact] | 36704699 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-31): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-31): Please find listed [Redacted] Tracking ID:[Redacted], Delivered [Redacted], [Redacted] [Redacted] at [Redacted] Seller Comment (2026-07-30): Please find [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted]0/[Redacted] at [Redacted] |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10342187 | [Redact] | [Redact] | 37099870 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-07-30): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-30): Please find attached Business Purpose |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10342187 | [Redact] | [Redact] | 37099871 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-07-30): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-30): Per Underwriter guidelines do not require cash-out utilization. Please waive |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10342187 | [Redact] | [Redact] | 37100123 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10342245 | [Redact] | [Redact] | 36712174 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10342247 | [Redact] | [Redact] | 36712296 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-08): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10342252 | [Redact] | [Redact] | 36712659 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-09): Waived on Rate Lock: Collateral cleared by Custodian |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10342252 | [Redact] | [Redact] | 36843641 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-29): Sufficient Cure Provided At Closing |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10342252 | [Redact] | [Redact] | 36843642 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-29): Sufficient Cure Provided At Closing |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10342250 | [Redact] | [Redact] | 36712665 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-25): Waived on Rate Lock: Collateral cleared by Custodian |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10342294 | [Redact] | [Redact] | 36713445 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-20): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-16): [Redacted] Tracking Number [Redacted] |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10342550 | [Redact] | [Redact] | 36718345 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-03): Waived on Rate Lock: Collateral cleared by Custodian |
07/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10342550 | [Redact] | [Redact] | 36842238 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Reviewer Comment (2026-06-29): Client elected to waive the condition on the Non-QM 1st lien |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10342550 | [Redact] | [Redact] | 36842242 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-29): Sufficient Cure Provided At Closing |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10342550 | [Redact] | [Redact] | 36842243 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-29): Sufficient Cure Provided At Closing |
06/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10342550 | [Redact] | [Redact] | 36842257 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10342550 | [Redact] | [Redact] | 36842342 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Client approved exception for Guidelines state self-employed Borrower income in a licensed profession will be considered from a business that's been in existence for less than (two) 2 years, but greater than one (1) year if the Borrower has at least two (2) years of documented previous experience in the same profession, or evidence of formal education in a related field. Tax preparer confirms the borrower has been self-employed in the industry for four years through their two other businesses. Tax preparer also confirms the borrower has a master's degree in same field. | Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV [Redacted] where [Redacted] is maximum DTI is [Redacted] where [Redacted]is maximum FICO: [Redacted] where [Redacted]is minimum. |
[Redact] [Redact] [Redact] Originator Pre-Close,Aggregator,[Redact] Aggregator,[Redact] Aggregator,[Redact] |
Reviewer Comment (2026-06-29): Client elected to waive the condition with the following Compensating Factors: LTV [Redacted] where [Redacted] is maximum DTI is [Redacted] where [Redacted] is maximum Ties to community: [Redacted] years in subject property FICO: [Redacted] where [Redacted] is minimum. |
06/29/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10345335 | [Redact] | [Redact] | 36720925 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10345335 | [Redact] | [Redact] | 36933001 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted]on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted]. | Reviewer Comment (2026-07-10): Client elected to waive the condition on the Non-QM 1st lien |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10345335 | [Redact] | [Redact] | 36939139 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | The initial 1003 identified the co-borrower would occupy the subject as a primary residence. The loan failed the High-Cost testing due to the prepayment penalty of [Redacted]% for [Redacted] years, exceeds the max of [Redacted]% of the amount prepaid. In order to consider a downgrade of the condition, an attestation from the BORROWER(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is required. | Reviewer Comment (2026-07-22): Client elected to waive the condition Reviewer Comment (2026-07-22): Regraded to EV2-B based on borrower attestation. Seller Comment (2026-07-21): lox |
07/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | A | A | C | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10346195 | [Redact] | [Redact] | 36725713 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10346195 | [Redact] | [Redact] | 36757106 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Title Commitment or Preliminary title policy amount is blank. | 06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10346202 | [Redact] | [Redact] | 36726341 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10346205 | [Redact] | [Redact] | 36726460 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-23): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10346205 | [Redact] | [Redact] | 37012752 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-07-29): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-28): Please see attached business purpose cert. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10346205 | [Redact] | [Redact] | 37012759 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-07-29): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-28): Please see attached business purpose cert. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10346284 | [Redact] | [Redact] | 36726810 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10346284 | [Redact] | [Redact] | 37009182 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Client exception for loan amount of $[Redacted] approved. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DSCR on the loan is greater than the guideline minimum. |
Client elects to waive with compensating factors :[Redacted] LTV is [Redacted]below max ([Redacted]). Client elects to waive with compensating factors :v DSCR is [Redacted]over minimum ([Redacted]) |
Aggregator,[Redact] Originator Pre-Close,Aggregator |
Reviewer Comment (2026-07-17): Client elects to waive with compensating factors :[Redacted] LTV is [Redacted] below max ([Redacted]). [Redacted] DSCR is [Redacted] over minimum ([Redacted]). [Redacted] years property management. |
07/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||
| [Redact] | 10346284 | [Redact] | [Redact] | 37009432 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | File is missing signed Business Purpose Certificate. | Reviewer Comment (2026-07-22): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): Please find attached Business purpose |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10346285 | [Redact] | [Redact] | 36726811 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-06-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-24): [Redacted] Tracking Number [Redacted] |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10346285 | [Redact] | [Redact] | 36777689 | Credit | Missing Document | General | Missing Document | Missing Document: Exchange Agreement not provided | Exchange Agreement not provided. | Reviewer Comment (2026-06-23): Exchange agreement provided Seller Comment (2026-06-23): please see attached 1031 agreement and alta |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10346571 | [Redact] | [Redact] | 36726871 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10346571 | [Redact] | [Redact] | 37006995 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10346571 | [Redact] | [Redact] | 37007018 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | The file was missing a copy of the 4506-C ([Redacted]), 4506-C ([Redacted]) for Borrower 1. | Borrower has verified disposable income of at least $[Redacted]. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Residual Income: $[Redacted] where $[Redacted]is minimum | Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-07-27): Client elected to waive the condition with the following Compensating Factors: Job Stability: [Redacted] years self-employment in the same business Ties to property/ Housing payment history. Borrowers have been renting subject for at least [Redacted] years with clean payment history. Residual Income: $[Redacted] where $[Redacted] is minimum Reviewer Comment (2026-07-22): Form 8821 cannot be considered in lieu of Form 4506-C. Please provide the 4506-C for the year [Redacted]& [Redacted]. Exception remains. Seller Comment (2026-07-21): [Redacted] : IRS Form 8821 can be used as an acceptable alternative to IRS Form 4506-C, as long as it authorizes the release of comparable tax information to a third party. Fannie Mae notes that "an alternative form or process (which may include IRS Form 8821) is also acceptable if it authorizes the" IRS to release the tax information. Please see the attached documentation for each borrower. |
07/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||
| [Redact] | 10346571 | [Redact] | [Redact] | 37007044 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non-QM does not match Due Diligence Loan Designation of ATR Risk due to missing a copy of the 4506-C ([Redacted]), 4506-C ([Redacted]) for Borrower [Redacted]. | Reviewer Comment (2026-07-27): Client elected to waive the 4506C condition w/ compensating factors. Reviewer Comment (2026-07-22): The guidelines are specific and require form 4506-C; form 8821 is not an option per the guides. Condition is valid and remains open Seller Comment (2026-07-21): [Redacted] : IRS Form 8821 can be used as an acceptable alternative to IRS Form 4506-C, as long as it authorizes the release of comparable tax information to a third party. Fannie Mae notes that "an alternative form or process (which may include IRS Form 8821) is also acceptable if it authorizes the" IRS to release the tax information. Please see the attached documentation for each borrower. |
07/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10346571 | [Redact] | [Redact] | 37007045 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay due to missing a copy of the 4506-C ([Redacted]), 4506-C ([Redacted]) for Borrower [Redacted]. | Reviewer Comment (2026-07-27): Client elected to waive the 4506C condition w/ compensating factors. Reviewer Comment (2026-07-22): The guidelines are specific and require form 4506-C; form 8821 is not an option per the guides. Condition is valid and remains open Seller Comment (2026-07-21): [Redacted] : IRS Form 8821 can be used as an acceptable alternative to IRS Form 4506-C, as long as it authorizes the release of comparable tax information to a third party. Fannie Mae notes that "an alternative form or process (which may include IRS Form 8821) is also acceptable if it authorizes the" IRS to release the tax information. Please see the attached documentation for each borrower. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10346571 | [Redact] | [Redact] | 37007049 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-16): Sufficient Cure Provided At Closing |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10347950 | [Redact] | [Redact] | 36731026 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-18): Collateral transferred via tracking number [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10348244 | [Redact] | [Redact] | 36732025 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10348244 | [Redact] | [Redact] | 37009884 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-07-22): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): Please find attached business purpose |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10348307 | [Redact] | [Redact] | 36732480 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-16): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10348307 | [Redact] | [Redact] | 36936317 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification of appraisal delivered to the borrower was not provided. | 07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10348307 | [Redact] | [Redact] | 36939695 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-07-16): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-16): Please find attached Business Purpose Affidavit |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10348680 | [Redact] | [Redact] | 36732901 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-29): (Rate Lock) Collateral tracking #[Redacted]. Shipped [Redacted]26 |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10348680 | [Redact] | [Redact] | 37049369 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty - Business Entity | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | No prepayment penalties are permissible in the state of [Redacted] under [Redacted]. 46:10B-2. Prepayment language states prepayment will not exceed the maximum permitted by applicable law. | Reviewer Comment (2026-07-27): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
07/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10348682 | [Redact] | [Redact] | 36733255 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-22): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-10): [Redacted] Tracking Number [Redacted] |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10348682 | [Redact] | [Redact] | 36923800 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10348682 | [Redact] | [Redact] | 37011101 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | Mortgagor Name(s) does not agree with Schedule SCH:[Redacted] NOTE: [Redacted] | Buyer Comment (2026-07-22): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-21): please clarify as borrower and LLC names on Note matches Operating Agreement Seller Comment (2026-07-17): please clarify as borrower and LLC names on Note matches Operating Agreement |
07/22/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10348688 | [Redact] | [Redact] | 36733388 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-06): Waived on Rate Lock: Collateral cleared by Custodian |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10348688 | [Redact] | [Redact] | 36872519 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Per the CPA letter in file, the borrower and co-borrower are [Redacted] owners of the business income used to qualify. Provide a revised 1003 to identify the co-borrower's employment and income and the borrower's employment and updated income. | Reviewer Comment (2026-07-07): Received updated 1003 & 1008. Exception cleared. Seller Comment (2026-07-06): [Redacted] - : Please see attached. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10348688 | [Redact] | [Redact] | 36872538 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Reviewer Comment (2026-07-02): Client elected to waive the condition on the Non-QM 1st lien |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10348688 | [Redact] | [Redact] | 36872542 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-02): Sufficient Cure Provided At Closing |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10348693 | [Redact] | [Redact] | 36733389 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-06): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-02): [Redacted] Tracking Number [Redacted] |
07/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10348693 | [Redact] | [Redact] | 36857323 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10348822 | [Redact] | [Redact] | 36734543 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): collateral delivered on 0[Redacted] via [Redacted] tracking [Redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10348822 | [Redact] | [Redact] | 36978998 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | The subject was located in a FEMA Disaster area. Provide a post-disaster inspection dated on or after [Redacted], verifying there was no damage to the subject property. | Reviewer Comment (2026-07-17): PDI provided Seller Comment (2026-07-15): Please see attached inspection. |
07/17/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10348821 | [Redact] | [Redact] | 36734568 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-05): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-04): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10348821 | [Redact] | [Redact] | 37102987 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10349031 | [Redact] | [Redact] | 36736037 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-16): Collateral delivered on [Redacted] via [Redacted] [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10349031 | [Redact] | [Redact] | 36923927 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Reviewer Comment (2026-07-14): Received and associated Title Commitment. Exception cleared. Seller Comment (2026-07-13): Please see attached title commitment. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10349031 | [Redact] | [Redact] | 36923929 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Reviewer Comment (2026-07-14): Received and associated Title Commitment. Exception cleared. Seller Comment (2026-07-13): Please see attached title commitment. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10349031 | [Redact] | [Redact] | 36923941 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-07-14): Received and associated Title Commitment. Exception cleared. Seller Comment (2026-07-13): Please see attached title commitment. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10349031 | [Redact] | [Redact] | 36923968 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10350091 | [Redact] | [Redact] | 36742584 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): please advise if there was anything else needed to get this cleared Seller Comment (2026-07-20): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10350091 | [Redact] | [Redact] | 37007462 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-20): Received. Seller Comment (2026-07-20): business purpose |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10350459 | [Redact] | [Redact] | 36744343 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10350459 | [Redact] | [Redact] | 36919862 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-13): E-consent provided Seller Comment (2026-07-13): please clarify as econsent verbiage is included in 1003 Section 6 #6 Reviewer Comment (2026-07-13): Received E-consent terms, please provide the E consent agreement. Exception remains. Seller Comment (2026-07-10): please see attached econsent |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10350459 | [Redact] | [Redact] | 36919870 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | REO documents are missing. | Reviewer Comment (2026-07-13): Revised 1003 and documentation to verify the PITIA for the REO's were provided Seller Comment (2026-07-10): please see attached email confirming reo [Redacted]units #[Redacted] & [Redacted] are one in the same and not two different units. also attached is an updated 1003 w/ reo [Redacted] removed (per branch email) and updated all other reo pitia amounts Seller Comment (2026-07-10): please see attached reo [Redacted] tax cert, loan is owned free and clear. Seller Comment (2026-07-10): please see attached reo cd [Redacted]unit [Redacted] Seller Comment (2026-07-10): please see attached tax bill for [Redacted]. This is land only |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10350459 | [Redact] | [Redact] | 36919937 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted]on an Original Loan Amount of $[Redacted] [Redacted] an allowable total of $[Redacted] and $[Redacted]. | Reviewer Comment (2026-07-08): Client elected to waive the condition on the Non-QM 1st lien |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10350636 | [Redact] | [Redact] | 36744605 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-03): Waived on Rate Lock: Collateral cleared by Custodian |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10350642 | [Redact] | [Redact] | 36744766 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-06): collateral shipped via [Redact] Tracking ID: [Redacted], delivered [Redacted], 8/[Redacted] at [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10350638 | [Redact] | [Redact] | 36745462 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-15): Please find listed Tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10350639 | [Redact] | [Redact] | 36745657 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-31): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10351760 | [Redact] | [Redact] | 36749537 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-20): please find listed [Redacted] tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10351760 | [Redact] | [Redact] | 37000321 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | 07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10352308 | [Redact] | [Redact] | 36750574 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-23): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10352308 | [Redact] | [Redact] | 37000277 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not executed | Reviewer Comment (2026-07-21): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-21): business purpose |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10352314 | [Redact] | [Redact] | 36751290 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): (Rate Lock) Per tracking [Redacted]the Note was delivered on [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10352314 | [Redact] | [Redact] | 36923741 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10352314 | [Redact] | [Redact] | 36923747 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10352553 | [Redact] | [Redact] | 36751732 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-03): Waived on Rate Lock: Collateral cleared by Custodian |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10352553 | [Redact] | [Redact] | 37059301 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is not provided. | Reviewer Comment (2026-07-28): Received Business purpose certificate. Exception cleared. Seller Comment (2026-07-27): Please find attached Business purpose |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10352553 | [Redact] | [Redact] | 37059337 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal 3 business days prior to closing. | 07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10352568 | [Redact] | [Redact] | 36752013 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-07): [Redacted] Tracking Number [Redacted] |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10352568 | [Redact] | [Redact] | 36874030 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary title report verifying title insurance of at least the loan amount. | 07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10352568 | [Redact] | [Redact] | 36874463 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-14): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-07-10): please see attached lox, pccd, check |
07/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10352572 | [Redact] | [Redact] | 36752797 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): [Redacted] Tracking Number [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10352569 | [Redact] | [Redact] | 36752948 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): Collateral delivered on[Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10352646 | [Redact] | [Redact] | 36753228 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): collateral delivered on 0[Redacted] via [Redacted] tracking [Redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10352646 | [Redact] | [Redact] | 36873166 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10352646 | [Redact] | [Redact] | 36873168 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty Test [Redacted] Investment Test | [Redacted]: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-07-07): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redact] is allowable under law. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10352647 | [Redact] | [Redact] | 36753244 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): Collateral delivered on[Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10352697 | [Redact] | [Redact] | 36753397 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10352697 | [Redact] | [Redact] | 37013392 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-07-20): Client elected to waive the condition on the Non-QM 1st lien |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10352697 | [Redact] | [Redact] | 37013394 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10352697 | [Redact] | [Redact] | 37013769 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). If tested as primary residence, loan exceeds one or more high cost thresholds. | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the initial 1003. The loan failed the HOEPA testing when tested as a primary residence. Provide documentation to verify the undiscounted rate and undiscounted price to determine if any of the discount points are bona fide. | Reviewer Comment (2026-07-29): Client elected to waive exception. Reviewer Comment (2026-07-29): Regraded to EV2-B based on borrower attestation clarifying error on 1003 marking occupancy as primary and the loan not being subject to any federal or state high-cost testing. Seller Comment (2026-07-24): [Redacted] Please see attached LOX from the borrower Reviewer Comment (2026-07-22): A revised 1003 will not clear this condition. The loan failed High Cost testing when tested as a primary residence. In order to consider a downgrade of the condition, an attestation from the BORROWER(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is required. Condition is valid and remains open Seller Comment (2026-07-21): [Redacted] Please see attached final loan app that shows the borrower is not occupying the home |
07/29/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10352692 | [Redact] | [Redact] | 36753398 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10352692 | [Redact] | [Redact] | 36993127 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Points and Fees on the subject loan of [Redacted]% are in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted]. | Reviewer Comment (2026-07-16): Client elected to waive the condition on the Non-QM 1st lien |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10352692 | [Redact] | [Redact] | 36993132 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Final Inspection Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-22): [Redacted] received CD and COC dated [Redacted]. Seller Comment (2026-07-20): [Redacted] The appraisal came in on [Redacted] on the property was subject to repairs. On [Redacted] a Change of Circumstance was submitted for the final inspection changing the fee from $[Redacted] to $[Redacted] . On [Redacted] a closing disclosure went out to the borrower to re-disclose the final inspection fee. Please see attached. Seller Comment (2026-07-20): [Redacted] The appraisal came in on [Redacted] on the property was subject to repairs. On [Redacted] a Change of Circumstance was submitted for the final inspection changing the fee from $[Redacted] to $[Redacted]. On [Redacted] a closing disclosure went out to the borrower to re-disclose the final inspection fee. Please see attached. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10352693 | [Redact] | [Redact] | 36753407 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-16): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-08): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10352693 | [Redact] | [Redact] | 36865930 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10352693 | [Redact] | [Redact] | 36868470 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-07): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-06): Please see attached business purpose cert |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10352704 | [Redact] | [Redact] | 36753779 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10352704 | [Redact] | [Redact] | 36924635 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 07/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10352928 | [Redact] | [Redact] | 36753831 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-29): Note delivery via [Redacted]# [Redacted] |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10352928 | [Redact] | [Redact] | 37053110 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Missing Evidence of Initial Right to Receive a Copy appraisal. | Reviewer Comment (2026-07-29): Client elects to waive Reviewer Comment (2026-07-28): Received ECOA valuation waiver. Please provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application. Exception remains. Seller Comment (2026-07-27): ECOA Valuations Waiver [Redacted] |
07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10352928 | [Redact] | [Redact] | 37053134 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approval for DSCR loan with no verifiable primary housing expense. Borrower lives out of his [Redacted] trailer. Note: Compensating factors: FICO >[Redacted] points, [Redacted] months reserves and [Redacted] [Redacted] tradelines paid as agreed. | The qualifying DSCR on the loan is greater than the guideline minimum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Client elects to waive with compensating factors: [Redacted]DSCR ([Redacted]minimum). | Aggregator [Redact] [Redact] |
Reviewer Comment (2026-07-24): Client elects to waive with compensating factors: [Redacted] LTV where [Redacted] is max. [Redacted] DSCR ([Redacted] minimum). 12-year history managing multiple mortgages all paid as agreed. |
07/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | No | ||||||||
| [Redact] | 10353955 | [Redact] | [Redact] | 36757710 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10353955 | [Redact] | [Redact] | 36980209 | Compliance | Compliance | State Compliance | Misc. State Level | [Redact] Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty) | [Redacted] Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance. | Mortgage loan contains an impermissible prepayment penalty exceeding 60 days' interest on the unpaid principal balance. | Reviewer Comment (2026-07-21): Client elected to waive the condition Seller Comment (2026-07-20): While the borrower signed the prepayment addendum it also says that they are not obligated to pay a prepayment fee if it violates state or federal law. Can you please provide further clarification on what you are looking for? |
07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10354070 | [Redact] | [Redact] | 36760940 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-03): Waived on Rate Lock: Collateral cleared by Custodian |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10354070 | [Redact] | [Redact] | 37102092 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not executed. | Reviewer Comment (2026-07-31): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-30): Please find attached Business Purpose |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10354070 | [Redact] | [Redact] | 37102106 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | 07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10354070 | [Redact] | [Redact] | 37106362 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Reviewer Comment (2026-08-04): Received Business purpose certificate. Exception cleared. Seller Comment (2026-08-03): Please advise further as guidelines do not require Letter of explanation for detailing specific use of cash-out proceeds |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10354604 | [Redact] | [Redact] | 36777997 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-28): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10354599 | [Redact] | [Redact] | 36778000 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-09): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10354599 | [Redact] | [Redact] | 36905902 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. | 07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10354599 | [Redact] | [Redact] | 36920319 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Per the guidelines, two years personal and business tax returns are required. The file contained two years business returns, but only the [Redacted] personal tax returns. Provide a copy of the [Redacted] or [Redacted] personal tax returns. Note: [Redacted] year full doc is an option per the guidelines; however the lender submitted the loan as a [Redacted] year full doc loan. | Reviewer Comment (2026-07-15): Received and associated [Redacted] tax transcripts. Exception cleared. Seller Comment (2026-07-15): please see attached [Redacted] tax transcripts Reviewer Comment (2026-07-15): We have considered the tax transcripts. Provide a copy of the [Redacted] or [Redacted] personal tax returns. Exception remains. Seller Comment (2026-07-14): please see docs[Redacted] & [Redacted] for [Redacted] tax transcripts Reviewer Comment (2026-07-13): The extension is not included in the [Redacted] years personal tax returns, it is acceptable to identify the [Redacted] personal returns are the mist recent, but does not meet the guideline requirement of [Redacted] years personal tax returns. Condition is valid and remains open Seller Comment (2026-07-10): please see doc [Redacted] , proof of [Redacted] personal tax extension |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10355185 | [Redact] | [Redact] | 36778570 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10355185 | [Redact] | [Redact] | 37006087 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not executed. | Reviewer Comment (2026-07-21): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-21): business purpose |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10355189 | [Redact] | [Redact] | 36778807 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-06-30): [Redacted] Tracking Number [Redacted] |
07/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | Exempt from ATR | No | |||||||||||
| [Redact] | 10355189 | [Redact] | [Redact] | 36815994 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | 06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | Exempt from ATR | No | ||||||||||
| [Redact] | 10355194 | [Redact] | [Redact] | 36778964 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-23): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10355194 | [Redact] | [Redact] | 37034525 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10355303 | [Redact] | [Redact] | 36781034 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): [Redacted] Tracking Number [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | D | B | A | A | D | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10355303 | [Redact] | [Redact] | 37046860 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-07-23): Client elected to waive the condition on the Non-QM 1st lien |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | D | B | A | A | D | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10355303 | [Redact] | [Redact] | 37050392 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Fully executed Note - Subject Lien not provided. | Reviewer Comment (2026-07-28): Received Note document. Exception cleared. Seller Comment (2026-07-27): please see attached note |
07/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | B | A | A | D | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10355303 | [Redact] | [Redact] | 37050512 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - High Cost as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more high cost thresholds. | The initial 1003 identified the co-borrower would occupy the subject as a primary residence. The loan failed the High-Cost testing due to the prepayment penalty of [Redacted]%/[Redacted]% for [Redacted] years, exceeds the max of [Redacted]% of the amount prepaid. In order to consider a downgrade of the condition, an attestation from the BORROWER(s) detailing the reason for the error in the declarations section of the 1003 and confirming the occupancy is required. | Reviewer Comment (2026-07-29): Client elected to waive exception. Reviewer Comment (2026-07-29): Regraded to EV2-B based on borrower attestation clarifying the 1003 was marked as primary residence in error and property will be investment. Loan is also not subject to any federal or state high-cost testing. Seller Comment (2026-07-27): also, lox attached regarding change to occupancy status on initial 1003 Seller Comment (2026-07-27): please see B2 final 1003 doc [Redacted] occupancy status was updated to "no"; and occupancy certs docs [Redacted] & [Redacted] confirming subject property is investment |
07/29/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | D | B | A | A | D | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10355381 | [Redact] | [Redact] | 36931422 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the PITIA for the REO. It appears the loan was recently refinanced/purchased and a copy of the final CD verifying the PITIA is acceptable. | Reviewer Comment (2026-07-15): Received closing disclosure. Exception cleared. Seller Comment (2026-07-14): Closing Disclosure [Redacted] |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10355381 | [Redact] | [Redact] | 36931424 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing documentation to verify the PITIA for the REO. It appears the loan was recently refinanced/purchased and a copy of the final CD verifying the PITIA is acceptable. | Reviewer Comment (2026-07-15): Received closing disclosure. Exception cleared. Seller Comment (2026-07-14): Closing Disclosure [Redacted] |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10355381 | [Redact] | [Redact] | 36947149 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10355384 | [Redact] | [Redact] | 36797178 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-15): Please find listed [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10355384 | [Redact] | [Redact] | 36923820 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence the Borrower received a copy of the appraisal report prior to or at closing is missing. | 07/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10355384 | [Redact] | [Redact] | 36923856 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not signed or dated. | Reviewer Comment (2026-07-15): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-15): Please find attached Business Purpose affidavit |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10355853 | [Redact] | [Redact] | 36797242 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10355853 | [Redact] | [Redact] | 36961336 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-28): Policy is based on Replacement Cost. Condition cleared. Reviewer Comment (2026-07-28): Replacement coverage is considered. HOI shortfall is $[Redacted]please provide the updated HOI or HOI with guaranteed replacement policy. Exception remains. Seller Comment (2026-07-24): [Redacted]: Per Fannie Mae New Guidance The property insurance policy must provide coverage on a replacement cost basis, with the exception of roofs; property insurance policies that provide such terms of coverage will be deemed to provide sufficient coverage. Reviewer Comment (2026-07-23): Replacement coverage is considered. HOI shortfall is $[Redacted]please provide the updated HOI or HOI with guaranteed replacement policy. Exception remains. Seller Comment (2026-07-22): [Redacted]: The attached policy states that the policy terms and provisions this coverage provides 100% replacement cost coverage for the dwelling up to a maximum of the amount shown on the declaration page. Reviewer Comment (2026-07-22): Received same HOI policy, HOI shortfall is $[Redacted]please provide the updated HOI or HOI with guaranteed replacement policy. Exception remains. Seller Comment (2026-07-21): [Redacted]: Please see the attached HOI policy that states that the loss settlement selection form 7:replacement cost which would mean that the claims are settled on a replacement cost basis. I have also attached a copy of the new Fannie Mae guidance that states this is sufficient verbiage. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10355853 | [Redact] | [Redact] | 36961438 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state for a short-term rental property twelve (12) months' evidence of receipt via service provider payment receipt history is required. The subject property has been operated as a short-term rental for the previous 9 months. Client exception approval in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Post-close reserves [Redacted]([Redacted]; [Redacted]= [Redacted]) | Originator Pre-Close,Aggregator,[Redact] [Redact] |
Reviewer Comment (2026-07-15): Client elected to waive the condition with the following Compensating Factors: Use of STR income over 12 months results in more conservative approach than market rents for LTR. Post-close reserves [Redacted](5x; [Redacted]= [Redacted]). Credit depth ([Redacted]+ years) including mortgage history paid as agreed [Redacted]+ years. |
07/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10355855 | [Redact] | [Redact] | 36797243 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10355856 | [Redact] | [Redact] | 36797346 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-31): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-28): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10355856 | [Redact] | [Redact] | 37059832 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing in file. | Reviewer Comment (2026-07-27): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-27): Please find attached Business Purpose |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10355861 | [Redact] | [Redact] | 36797709 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-20): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-15): Note delivered on[Redacted] via [Redacted] [Redacted] |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10355861 | [Redact] | [Redact] | 36922711 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The file is missing a copy of the Flood Certificate. | Reviewer Comment (2026-07-14): Received and associated Flood Certificate. Exception cleared. Seller Comment (2026-07-13): flood cert |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10356816 | [Redact] | [Redact] | 36808428 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-15): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-10): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10356818 | [Redact] | [Redact] | 36808525 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-10): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10356818 | [Redact] | [Redact] | 36922652 | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. | - | Reviewer Comment (2026-07-14): Transcript (1040) or W-2 Transcript not required. Exception Cleared. Seller Comment (2026-07-13): Please clarify as guidelines Sec 5.1.5 Retirement\Pension ([Redacted]) states that only one source of income is required for retirement\pension income. Per 1008 and worksheets docs [Redacted] VA pension doc [Redacted], [Redacted] annuity doc [Redacted], & $[Redacted] doc [Redacted]in asset depletion |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10356818 | [Redact] | [Redact] | 36923673 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure nor COC provided. | Reviewer Comment (2026-07-14): [Redacted] received LOX. Seller Comment (2026-07-13): please see attached invest memo, transfer tax cure on final CD |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10356818 | [Redact] | [Redact] | 36968193 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-14): Sufficient Cure Provided At Closing |
07/14/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10356835 | [Redact] | [Redact] | 36808647 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-29): Please find listed [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10356835 | [Redact] | [Redact] | 37033051 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-07-27): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-24): Please find attached Business Purpose |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10356840 | [Redact] | [Redact] | 36808660 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-15): Please find listed [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10356913 | [Redact] | [Redact] | 36808984 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-17): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10357389 | [Redact] | [Redact] | 36809804 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-23): Waived on Rate Lock: Collateral cleared by Custodian |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10357389 | [Redact] | [Redact] | 36980313 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Reviewer Comment (2026-07-15): Client elected to waive the condition on the Non-QM 1st lien |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10357389 | [Redact] | [Redact] | 36980316 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [Redacted] of [Redacted]on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Reviewer Comment (2026-07-28): [Redacted] Received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2026-07-27): [Redacted] Please see attached PCCD, LOX and shipping label Reviewer Comment (2026-07-23): [Redacted] received rebuttal, however non - escrowed disclosed on page [Redacted] is $[Redacted]. The appraisal indicates HOA dues of $[Redacted]/month. The acceptable amounts are 10,11, or 12 months. The allowable tolerance for the escrow account fields is $[Redacted] for under disclosure and no penalty for over disclosure however the amount cannot exceed 12 months of calculated costs or less than[Redacted] months. Please provide verification if using an updated amount. Letter of Explanation and Corrected CD required to cure. Seller Comment (2026-07-21): [Redacted] Disagree. The Non-escrow amount is correct on page [Redacted]. If you disagree, please clarify what you believe is missing |
07/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10357615 | [Redact] | [Redact] | 36809855 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-23): Waived on Rate Lock: Collateral cleared by Custodian |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10357614 | [Redact] | [Redact] | 36809913 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-01): Waived on Rate Lock: Collateral cleared by Custodian |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10357629 | [Redact] | [Redact] | 36810249 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-17): (Rate Lock) [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10357629 | [Redact] | [Redact] | 36971989 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10325986 | [Redact] | 36846117 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The file was missing a copy of Note - Subject Lien. | Reviewer Comment (2026-07-23): Note provided Seller Comment (2026-07-22): Note uploaded for review. |
07/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Purchase | D | B | C | A | D | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10325986 | [Redact] | 36846124 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying assets for closing of $[Redacted] are less than cash from borrower $[Redacted]. | Reviewer Comment (2026-07-23): Gift letter and proof of receipt provided Seller Comment (2026-07-22): $ [Redacted]gift letter and wire confirmation uploaded for review. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | B | C | A | D | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10325986 | [Redact] | 36846126 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | PITIA reserves months discrepancy. | Reviewer Comment (2026-07-27): Received additional gift letter Seller Comment (2026-07-23): Additional Gift letter, wire and receipt for portion of EMD uploaded to trailing docs for review. Reviewer Comment (2026-07-23): Gift funds provided; however reserves are still short. Proof of the EMD of $ [Redacted] was not documented in file. Provide a copy of the cancelled check/wire confirmation and source of the $ [Redacted] EMD and the reserves will be sufficient. Reviewer Comment (2026-07-23): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted]is less than Guideline PITIA months reserves of [Redacted] Seller Comment (2026-07-22): $ [Redacted]gift letter and wire confirmation uploaded to trailing docs for review. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | B | C | A | D | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10325986 | [Redact] | 36846127 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-23): RCE provided Seller Comment (2026-07-22): RCE uploaded for review. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | B | C | A | D | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10325986 | [Redact] | 36846154 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator loan designation of Non-QM does not match due diligence loan designation of ATR Risk. | Reviewer Comment (2026-07-27): Received additional gift letter, wire confirmation. Seller Comment (2026-07-23): Additional Gift letter, wire and receipt for portion of EMD uploaded to trailing docs for review. Reviewer Comment (2026-07-23): Gift funds provided; however reserves are still short. Proof of the EMD of $ [Redacted] was not documented in file. Provide a copy of the cancelled check/wire confirmation and source of the $ [Redacted] EMD and the reserves will be sufficient. Seller Comment (2026-07-22): $ [Redacted]gift letter and wire confirmation uploaded to trailing docs for review. |
07/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | C | A | D | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10325986 | [Redact] | 36846155 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components, which could impact the borrower's ability to repay. | Reviewer Comment (2026-07-27): Received additional gift letter, wire confirmation. Seller Comment (2026-07-23): Additional Gift letter, wire and receipt for portion of EMD uploaded for review. Reviewer Comment (2026-07-23): Gift funds provided; however reserves are still short. Proof of the EMD of $ [Redacted]was not documented in file. Provide a copy of the cancelled check/wire confirmation and source of the [Redacted] EMD and the reserves will be sufficient. Seller Comment (2026-07-22): $ [Redacted]gift letter and wire confirmation uploaded to trailing docs for review. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | B | C | A | D | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10325986 | [Redact] | 36846166 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance exceeded for loan discount points. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-23): [Redacted] received a valid COC. Seller Comment (2026-07-22): COC uploaded for review. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | D | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10325986 | [Redact] | 36846167 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero percent fee tolerance exceeded for processing fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-29): [Redacted] received LOX and disclosures summary screen confirming LE dated [Redacted] not provided to borrower. Seller Comment (2026-07-28): The only LE provided to the borrower dated [Redacted] reflected the processing fee, it is unknown as to why the draft LE was in the file, however it was not provided to the borrower, please see the attached disclosure tracking information from our system of record. Reviewer Comment (2026-07-28): [Redacted] There are [Redacted] sets of LE dated [Redacted] with Cash to close as [Redacted] (Sequence 1) and [Redacted] (Sequence 2). LE Dated [Redacted] (Sequence 1) does not disclose processing fee and fee added on LE [Redacted] (Sequence 2) without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2026-07-27): There is a processing fee on the [Redacted] loan estimate, see attached and advise. Reviewer Comment (2026-07-27): [Redacted] received rebuttal comment that initial LE is dated 0 [Redacted](Doc ID [Redacted]) but as per file the initial LE is dated [Redacted]([Redacted]) on which there is no processing fee updated under section A. A valid COC or cure would be required. Seller Comment (2026-07-23): The initial LE Doc ID [Redacted] reflects the processing fee of [Redacted] this is the same fee noted on the revised LE Doc ID [Redacted], both are noted in section A of each disclosure, please advise. Reviewer Comment (2026-07-23): [Redacted] received COC. However, the processing fee were added on Revised LE seq 2 for $ [Redacted]. Kindly provide a valid COC for the fee added or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Seller Comment (2026-07-22): The processing fee in the amount of $ [Redacted]was disclosed on the initial LE Doc ID [Redacted], section A, the fee did not increase throughout the transaction. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | D | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10325986 | [Redact] | 37052206 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 07/23/2026 | No | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | D | B | C | A | D | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| [Redact] | 10358701 | [Redact] | [Redact] | 36815944 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-20): [Redacted] Tracking Number [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10358701 | [Redact] | [Redact] | 37013313 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted] or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-07-17): Client elected to waive the condition on the Non-QM 1st lien |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10358874 | [Redact] | [Redact] | 36817616 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-18): Collateral was transferred to custodian via tracking number [Redacted] |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10359096 | [Redact] | [Redact] | 36818078 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): Please find listed [Redacted] Tracking Id: [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10359096 | [Redact] | [Redact] | 37000892 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor agreement was not provided | Reviewer Comment (2026-07-30): Received Guarantor Agreement. Exception cleared. Seller Comment (2026-07-29): Please find attached Guaranty |
07/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10359096 | [Redact] | [Redact] | 37000981 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed | Reviewer Comment (2026-07-22): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): Please find attached Business purpose |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10359087 | [Redact] | [Redact] | 36818088 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): Please find listed [Redacted] Tracking ID: [Redacted]. Delivered [Redacted], [Redacted]/[Redacted] at [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10359087 | [Redact] | [Redact] | 37020256 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-07-22): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): Please find attached Business Purpose Document |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10359092 | [Redact] | [Redact] | 36818089 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-23): Waived on Rate Lock: Collateral cleared by Custodian |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10359092 | [Redact] | [Redact] | 36905745 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). | Points and Fees on the subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Reviewer Comment (2026-07-08): Client elected to waive the condition on the Non-QM 1st lien |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10359093 | [Redact] | [Redact] | 36818102 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10359118 | [Redact] | [Redact] | 36818196 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] Seller Comment (2026-07-23): Please find listed [Redacted] Tracking ID: [Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10359118 | [Redact] | [Redact] | 36979898 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-20): Received and associated email correspondence policy has 100% Guaranteed Replacement Cost. Exception cleared. Seller Comment (2026-07-20): Please find attached email correspondence policy has [Redacted] % Replacement Cost |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10359118 | [Redact] | [Redact] | 37007489 | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | The file is missing a copy of the wire confirmation, certified check or other proof of the gift funds delivered to the title company. | Reviewer Comment (2026-07-27): Received and associated Wire Confirmation. Exception cleared. Seller Comment (2026-07-24): see attached Seller Comment (2026-07-24): Please find attached wire transaction form |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10359120 | [Redact] | [Redact] | 36818349 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10359120 | [Redact] | [Redact] | 37011109 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10261012 | [Redact] | 36824380 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-05-15): Cleared Buyer Comment (2026-05-14): [Redacted] accepts value , ok to clear |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10261012 | [Redact] | 36824381 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-05-13): Received Title commitment. Exception cleared. Buyer Comment (2026-05-11): Title |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10261012 | [Redact] | 36824382 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Initial title is missing. | Reviewer Comment (2026-05-13): Received Title commitment. Exception cleared. Buyer Comment (2026-05-11): Title uploaded |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10261012 | [Redact] | 36824383 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | Borrower must have a minimum of [Redacted] months ownership and management of income producing residential or commercial real estate within the past [Redacted] months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redact] [Redact] [Redact] |
Reviewer Comment (2026-06-01): Investor exception provided. Buyer Comment (2026-05-28): investor exception approval |
06/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10261012 | [Redact] | 36824384 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Require housing history for [Redacted]#[Redacted], Subject was purchased on [Redacted] however missing mortgage history for the same [Redacted] provided. [Redacted] Home #[Redacted]paid till [Redacted] mtg stmt, missing payment document for [Redacted]. | Reviewer Comment (2026-06-08): Received mortgage statement for account [Redacted]#[Redacted]till [Redacted]. additionally, payment verified till [Redacted] for account [Redacted]. Exception Cleared. Buyer Comment (2026-06-04): Statement |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10261012 | [Redact] | 36824385 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate missing for the subject property. | Reviewer Comment (2026-05-13): Received Flood certificate. Exception cleared, Buyer Comment (2026-05-11): Flood Cert |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10260242 | [Redact] | 36824388 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing. | Reviewer Comment (2026-05-13): Received DSCR Calculation worksheet. Exception cleared. Buyer Comment (2026-05-11): Worksheet |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10260242 | [Redact] | 36824389 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Missing VOM for [Redact] #[Redacted] dated [Redacted] & [Redacted] requires a [Redacted]-month housing history on the subject property within 45 days of the last paid installment date. DLA [Redacted]. | Reviewer Comment (2026-06-05): Received Credit report confirming mortgage paid until [Redacted]. Exception cleared. Buyer Comment (2026-06-04): Soft pull to [Redacted] |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10260242 | [Redact] | 36824390 | Credit | Guideline | General | Guideline | Guarantor does not have appropriate experience. | Missing experience. Per guidelines, An experienced real estate investor must have a minimum of [Redacted] months ownership and management of income producing residential or commercial real estate within the past [Redacted] months. | Reviewer Comment (2026-06-05): There is no additional properties reflecting on fraud report other than the primary residence however as per fraud report (Pg [Redacted]) Subject property is purchase since [Redacted] and Credit application confirms it as an investment property - This concludes borrower as an experience investor. Exception cleared. Buyer Comment (2026-06-03): Credit App |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10260242 | [Redact] | 36824391 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-12): Cleared Buyer Comment (2026-05-12): [Redacted] accepts value, ok to clear |
05/12/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||||||||
| [Redact] | 10260242 | [Redact] | 36824392 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-05-13): [Redacted] accepts the value. |
05/13/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||||||||
| [Redact] | 10288768 | [Redact] | 36824393 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Guide requires a 12-month housing history on the subject property "[Redacted]" | Reviewer Comment (2026-06-03): Received VOM/Financial statement for [Redacted] also Mortgage statement associated confirming Mortgage payment for [Redacted] and VOM confirms payment from [Redacted][Redacted]. Exception cleared. Buyer Comment (2026-06-02): Documentation that BSI is not a private loan Reviewer Comment (2026-05-22): Received VOM from "[Redacted]" for property ""[Redacted]" However as per guide, If a borrower is refinancing a privately held mortgage the following payment verification requirements apply: o The privately held mortgage payments must be verified with either cancelled checks or bank statements (if the payment is automatically withdrawn from the borrower's account). Exception remains. Buyer Comment (2026-05-20): [Redact] VOM |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288768 | [Redact] | 36824395 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet. |
Reviewer Comment (2026-06-03): Received DSCR calculation worksheet. Exception cleared. Buyer Comment (2026-06-02): Updated DSCR calculation Reviewer Comment (2026-05-22): Received DSCR Calculation worksheet with incorrect P&I. As per Note P&I is $[Redacted]and Lender has considered $[Redacted]due to which variance in DSCR ratios. Provide corrected DSCR worksheet with updated calculation. Exception remains. Buyer Comment (2026-05-20): DSCR calculation |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10360120 | [Redact] | [Redact] | 36825044 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-09): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-07): [Redacted] Tracking Number [Redacted] |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| [Redact] | 10360127 | [Redact] | [Redact] | 36826697 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-13): [Redacted] Tracking Number [Redacted] |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10360127 | [Redact] | [Redact] | 36930828 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax and Insurance Verification not provided. | Reviewer Comment (2026-07-23): REO is a Co-op; proof of maintenance fees provided Reviewer Comment (2026-07-22): Received LOE stating all expenses are paid together and bill is provided. However we are not able to verify the HOA/Tax amount other expenses included in the bill. Please provide the proof of expenses for the remaining expenses $[Redacted]. Exception remains. Seller Comment (2026-07-21): Co-op expenses Reviewer Comment (2026-07-21): Proof of documents are required for the REO expense $[Redacted]. Exception remains. Seller Comment (2026-07-20): This property is a Co-op Reviewer Comment (2026-07-17): Provided property report is not showing the tax amount, please provide the tax verification. Exception remains. Seller Comment (2026-07-15): REO Docs |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10360127 | [Redact] | [Redact] | 36957862 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | 07/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10360129 | [Redact] | [Redact] | 36826882 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-17): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-14): Per [Redacted] tracking [Redacted], the collateral was delivered on [Redacted]. |
07/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10361015 | [Redact] | [Redact] | 36829118 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-20): Collateral delivered on [Redacted] via [Redacted] [Redacted] |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289292 | [Redact] | 36829605 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate is required as per guide, | Reviewer Comment (2026-05-14): Received BPC in sleer's format with Borrower's signature and both clause as funds will be used for business purpose and no primary or secondary use. Exception Cleared. Buyer Comment (2026-05-12): BPA |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289292 | [Redact] | 36829606 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Borrower name reflects as '[Redacted], a [Redacted] Corporation' as per Available business documents however, note reflects borrower name as '[Redacted], a [Redacted] Corporation'. Require updated Note reflecting correct name. | Reviewer Comment (2026-06-02): Received the corrected Note documents. Buyer Comment (2026-05-29): Note |
06/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289292 | [Redact] | 36829607 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Borrower name reflects as '[Redacted]s, Inc, a [Redacted] Corporation' as per Available business documents however, note-Addendum reflects borrower name as '[Redacted]., a [Redacted] Corporation'. Require updated Note-Addendum reflecting correct name. | Reviewer Comment (2026-06-02): Received the corrected Note documents. Buyer Comment (2026-05-29): Note |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | A | A | N/A | Yes | ||||||||||||
| [Redact] | 10289292 | [Redact] | 36829608 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Borrower name reflects as '[Redacted], Inc, a [Redacted] Corporation' as per Available business documents however, Rider 1-4reflects borrower name as '[Redacted], a [Redacted] Corporation'. Require updated Doc reflecting correct name. | Reviewer Comment (2026-06-02): Received the corrected Note documents. Buyer Comment (2026-05-29): Rider |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289292 | [Redact] | 36829609 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | Borrower name reflects as '[Redacted], a [Redacted] Corporation' as per Available business documents however, Rider - Prepayment reflects borrower name as '[Redacted], a [Redact] Corporation'. Require updated document reflecting correct name. | Reviewer Comment (2026-06-02): Received the corrected Note documents. Buyer Comment (2026-05-29): PPP Rider |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289292 | [Redact] | 36829610 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Borrower name reflects as '[Redacted], a [Redact] Corporation' as per Available business documents, however, Security Instrument signature page reflects borrower name as '[Redacted], a [Redacted] Corporation'. Require updated document reflecting correct name. | Reviewer Comment (2026-06-02): Received the corrected Note documents. Buyer Comment (2026-05-29): Security instrument |
06/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289292 | [Redact] | 36829611 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | Require Bylaws for "[Redacted]" | Reviewer Comment (2026-06-11): Received Bylaws confirming state does not require a bylaws. Exception cleared. Buyer Comment (2026-06-09): CPA Letter |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289292 | [Redact] | 36829612 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter required as per guide. | Reviewer Comment (2026-05-14): Received Closing Protection Letter. Exception cleared. Buyer Comment (2026-05-12): CPL |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289292 | [Redact] | 36829613 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Operating Agreement required for "[Redacted]" | Reviewer Comment (2026-06-11): CPA letter associated in lieu of bylaws. Exception cleared. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289292 | [Redact] | 36829614 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement / Sales Contract is required for subject property with all the required details. | Reviewer Comment (2026-05-14): Received Purchase and sales contract along with the sales addendum for change in purchase price. Exception cleared. Buyer Comment (2026-05-12): PA |
05/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289292 | [Redact] | 36829615 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided | Require Assignment of leases and Rent's rider with correct Entity name "[Redacted]" | Reviewer Comment (2026-06-02): Received Rider 1-4 Family in lieu of Assignment of Leases/Rents. Exception cleared. Buyer Comment (2026-06-02): May I ask you to provide additional [Redacted] on the document this exception comes from? |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10289292 | [Redact] | 36829616 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided | Unable to ascertain borrower's [Redacted] months investment ownership. As per Guide - Borrower must have a minimum of [Redacted] months ownership and management of income producing residential or commercial real estate within the past [Redacted] months. | Reviewer Comment (2026-05-27): As per doc [Redacted], [Redacted]. has managed the commercial property located at [Redacted], since [Redacted] of [Redacted] and sold as [Redacted] transaction on [Redacted]. This confirms that borrower has previous investment property experience. Exception Cleared. Buyer Comment (2026-05-22): Per Lender: you have the 1031 exchange, which is investment to investment Reviewer Comment (2026-05-19): Noted. Only primary and Subject property is required to be updated on 1003. However Section 5.0 states - "This program is designed for experienced real estate investors that have a minimum of 12 months ownership and management of income-producing residential or commercial real estate within the past 24 months. At least one borrower must meet the experience requirement. To Meet the requirement we need supporting document that confirms the property was used s Investment property. Either Provide Previous lease agreement for a term of 12 months for "[Redacted]" that could suffice the guide requirement. Exception remains. Buyer Comment (2026-05-18): Per [Redacted]: Please clear. Per Lisa this is not required as only the primary and subject property need be listed on the 1003 for DSCR program. Additionally, section 9.4 states on the subject property and primary residence must be listed on the application Reviewer Comment (2026-05-15): Required updated 1003 reflecting investment property in REO section to update the experience grid in Investment product. Exception remains Buyer Comment (2026-05-13): 1008 |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10299691 | [Redact] | 36829625 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Approved Lender Exception Requested: Non QM 13 DSCR- [Redacted] report shows occupancy rate of [Redacted] and does not meet 50% guideline. Compensating Factors: Good credit, Good reserves, Borrower owns multiple rentals. The exception is required or the lender will need to show they meet the guidelines. | Reviewer Comment (2026-06-01): An [Redacted]report has been reviewed for the 12-month forecast period. The report reflects a projected occupancy rate of [Redacted]%, which satisfies the minimum [Redacted]% guideline threshold. Exception Cleared. Buyer Comment (2026-05-29): [Redacted] |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10325791 | [Redact] | 36829627 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-06-16): Lender accepts |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10361076 | [Redact] | [Redact] | 36829636 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10361076 | [Redact] | [Redact] | 37052159 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-07-27): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-24): business purpose |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10361076 | [Redact] | [Redact] | 37056424 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | The file is missing a copy of the lease agreement. Per the comparable rent schedule and DSCR worksheet, the gross rent is $[Redacted]. | Reviewer Comment (2026-08-06): Lease agreement and updated DSCR worksheet provided Seller Comment (2026-08-06): DSCR Worksheet matches the lease agreement Seller Comment (2026-08-05): Please escalate to the buyer. We don't need appraisal typo updated, we are using the executed lease and qualifying with no issues. Reviewer Comment (2026-07-31): Rental amount used for qualification & currently rented amount is $[Redacted]. Please provide the lease extension. Exception remains. Seller Comment (2026-07-30): Per UW management: Lease is valid and DSCR is [Redacted] based on " The lesser of the market rent from the Single-Family Comparable Rent Schedule (Form 1007/1000) / Small Residential Income Property Appraisal Report (1025/72) or the current (active) lease agreement will be used to determine the monthly rent" Reviewer Comment (2026-07-29): Provided lease agreement shows lower rental income $[Redacted] than 1007 reported currently rented amount $[Redacted]. Please provide the updated lease extension. Exception remains. Seller Comment (2026-07-28): lease |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10362120 | [Redact] | [Redact] | 36833568 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10362120 | [Redact] | [Redact] | 36998824 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Lender Credit was last disclosed as $[Redacted]on the Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-20): [Redacted] Received supporting comments on the exception along with rate lock and COC dated [Redacted][Redacted]. Seller Comment (2026-07-17): [Redacted] Assets and liabilities were updated by underwriting on [Redacted] which Decreased the FICO to [Redacted] from [Redacted] ([Redacted][Redacted]) which decreased loan level pricing adjusters. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure. Pricing got better, which was a benefit to the borrower on [Redacted] due to adding a adjustment "Control Your Price 2nd" which decreases pricing to $[Redacted] |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10362120 | [Redact] | [Redact] | 36998826 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Discount Fee was last disclosed as $[Redacted] on the Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-20): [Redacted] Received supporting comments on the exception along with rate lock and COC dated [Redacted][Redacted]. Seller Comment (2026-07-17): [Redacted] Assets and liabilities were updated by underwriting on [Redacted] which Decreased the FICO to [Redacted] from [Redacted] ([Redacted]) which decreased loan level pricing adjusters. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure. Pricing got better, which was a benefit to the borrower on [Redacted] due to adding a adjustment "Control Your Price 2nd" which decreases pricing to $[Redacted] Seller Comment (2026-07-17): [Redacted] Assets and liabilities were updated by underwriting on [Redacted] which Decreased the FICO to [Redacted] from [Redacted] ([Redacted]) which decreased loan level pricing adjusters. A Closing Disclosure went out the same day to the borrower. Please see the attached Lock Confirmation and Closing disclosure. Pricing got better, which was a benefit to the borrower on[Redacted] due to adding a adjustment "Control Your Price 2nd" which decreases pricing to $[Redacted] |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10362206 | [Redact] | [Redact] | 36834651 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-20): [Redacted] Tracking Number [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10363223 | [Redact] | [Redact] | 36835324 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-30): [Redact] |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10363254 | [Redact] | [Redact] | 36835631 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10363254 | [Redact] | [Redact] | 36930754 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate not provided. | Reviewer Comment (2026-07-14): Received and associated Flood Certificate. Exception cleared. Seller Comment (2026-07-14): Flood Cert |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10363254 | [Redact] | [Redact] | 36930778 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-07-10): Client elected to waive the condition on the Non-QM 1st lien |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10363254 | [Redact] | [Redact] | 36930779 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-07-16): [Redacted] received Letter of Explanation & Corrected CD Seller Comment (2026-07-15): PCCD |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10363254 | [Redact] | [Redact] | 36936247 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points were last disclosed as $[Redacted] on Closing Disclosure dated [Redacted] but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $[Redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-28): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-07-27): refund Reviewer Comment (2026-07-20): [Redacted] received rebuttal comment. However, a recent CFPB Supervisory Highlight (see Appendix section) has increased focus on the sufficiency of Change of Circumstance ("COC") documentation. When a lender issues a revised loan estimate reflecting an increase in fee(s) subject to tolerance, sufficient COC documentation is required to re-baseline fee amounts. The regulation provides that "the creditor must be able to show compliance with § 1026.19(e) by documenting the original estimate of the cost at issue, explaining the reason for revision and how it affected settlement costs, showing that the corrected disclosure increased the estimate only to the extent that the reason for revision actually increased the cost, and showing that the timing requirements of § 1026.19(e)(4) were satisfied. In this scenario the fee was increased from $[Redacted]to $[Redacted]on CD dated [Redacted][Redacted] without valid COC. In order to clear this exception a valid COC for the fee increased or Cure is required to borrower. Seller Comment (2026-07-17): A coc is NOT required on the final CD. Clear suspense. Reviewer Comment (2026-07-17): [Redacted] received a valid rebuttal comment. However, the discount point fee disclosed to the borrower was [Redacted], supported by a valid COC dated [Redacted][Redacted]. Therefore, the baseline changed from $[Redacted] to [Redacted]. The fee subsequently increased to $[Redacted]from $[Redacted]on the [Redacted][Redacted] CD without a valid COC. Please provide a valid COC supporting the fee increase reflected on the [Redacted][Redacted] CD; otherwise, a cure to the borrower is required to re-baseline this exception. Seller Comment (2026-07-15): Again baseline is [Redacted]K which if lowered does not required coc but here are all the cocs clear suspense Reviewer Comment (2026-07-15): [Redacted] Interest rate changed on CD dated [Redacted][Redacted] and discount fee re-baseline to $[Redacted] and again increased on CD dated [Redacted][Redacted] without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2026-07-14): Baseline is [Redacted] non issue |
07/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10363253 | [Redact] | [Redact] | 36835770 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-24): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-20): Delivery confirmation via [Redacted] [Redacted] |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10363253 | [Redact] | [Redact] | 36966959 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank; provide a supplemental report reflecting the policy amount. | 07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10363253 | [Redact] | [Redact] | 36971120 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-07-17): Rate lock provided Seller Comment (2026-07-16): Rate Lock uploaded. |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | B | B | B | B | B | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10363345 | [Redact] | [Redact] | 36836374 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-20): Waived on Rate Lock: Collateral cleared by Custodian |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10363345 | [Redact] | [Redact] | 37198966 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-08-12): Client elected to waive the condition on the Non-QM 1st lien |
08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | |||||||||
| [Redact] | 10363522 | [Redact] | [Redact] | 36840372 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364311 | [Redact] | [Redact] | 36841588 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10364315 | [Redact] | [Redact] | 36841982 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-31): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10364315 | [Redact] | [Redact] | 37104334 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing protection was not provided. | Reviewer Comment (2026-08-03): Received Closing Protection Letter. Exception cleared. Seller Comment (2026-07-31): Please see attached CPL |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10364317 | [Redact] | [Redact] | 36842354 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-20): Waived on Rate Lock: Collateral cleared by Custodian |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364317 | [Redact] | [Redact] | 37206649 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The declarations section of the initial and final 1003 for both borrowers identified they would occupy the subject as a primary residence. Provide a revised final 1003 for both borrowers correcting the declarations section. Note: the loan was approved and delivered as a purchase of a Second Home. | Reviewer Comment (2026-08-18): Revised 1003 provided correcting the declarations section Seller Comment (2026-08-18): Attached is the revised final 1003 for [Redacted] Section 5A has been corrected for both borrowers to answer "No" to occupying the subject property as their primary residence. Section 4 identifies the subject property as a Second Home, consistent with the loan's approval and delivery. Please Clear |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10364317 | [Redact] | [Redact] | 37207654 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | The mortgage loan file contains documenting evidence that the consumer intends to occupy the subject property as their primary residence. | 08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10364317 | [Redact] | [Redact] | 37207658 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10364317 | [Redact] | [Redact] | 37211352 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10364361 | [Redact] | [Redact] | 36842932 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-23): [Redacted] Tracking Number [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10364361 | [Redact] | [Redact] | 37037848 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted] % of the Original Loan Amount and $[Redacted] ([Redacted]). FNMA Finance Charge total $[Redacted]on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] | Reviewer Comment (2026-07-22): Client elected to waive the condition on the Non-QM 1st lien |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10364361 | [Redact] | [Redact] | 37048247 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The final 1003 identified the REO was refinanced with the same lender on the subject's loan. A copy of the final Closing Disclosure/1st payment letter to verify the new PITIA is required. | Reviewer Comment (2026-07-27): CD provided. Exception cleared. Seller Comment (2026-07-24): please see attached reo cd [Redacted] |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10364413 | [Redact] | [Redact] | 36846236 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): (Rate Lock) [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10364543 | [Redact] | [Redact] | 36846483 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10365342 | [Redact] | [Redact] | 36850485 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): collateral shipped via [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10365342 | [Redact] | [Redact] | 37141724 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-08-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-10): Please find Business Purpose affidavit attached |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10365343 | [Redact] | [Redact] | 36850519 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-31): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10365343 | [Redact] | [Redact] | 37327799 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-08-25): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-25): Please see attached business purpose cert. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10365343 | [Redact] | [Redact] | 37328252 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-08-25): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-25): Please see attached business purpose cert. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10365764 | [Redact] | [Redact] | 36851762 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-23): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10365762 | [Redact] | [Redact] | 36851790 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-19): collateral shipped via [Redacted] trk#[Redacted], delivered [Redacted], [Redacted][Redacted] at [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10365762 | [Redact] | [Redact] | 37233802 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Missing a fully executed business purpose certificate. | Reviewer Comment (2026-08-19): Document provided. Exception cleared. Seller Comment (2026-08-19): Please find attached Business Purpose |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10365766 | [Redact] | [Redact] | 36853491 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-20): [Redacted] Tracking Number [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10365767 | [Redact] | [Redact] | 36854715 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10365771 | [Redact] | [Redact] | 36855310 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): Please find listed [Redacted] Tracking ID: [Redacted], Delivered [Redacted], [Redacted]/[Redacted] at [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10365842 | [Redact] | [Redact] | 36856174 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-22): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10365842 | [Redact] | [Redact] | 37024943 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-07-22): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-22): business purpose |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10365868 | [Redact] | [Redact] | 36856676 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-29): Please find listed [Redacted] Tracking ID:[Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10365868 | [Redact] | [Redact] | 37075793 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Coverage shortfall $[Redacted]. Provide updated Hazard Insurance Policy with Dwelling Coverage of at least $[Redacted]. | Reviewer Comment (2026-08-18): FNMA selling guide was updated on [Redacted][Redacted] and removed the previous coverage requirement calculation. The HOI was written on a replacement cost basis and the coverage is sufficient. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10365868 | [Redact] | [Redact] | 37076250 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 07/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10365866 | [Redact] | [Redact] | 36856818 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-28): Collateral was delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10365866 | [Redact] | [Redact] | 37327430 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not found in file. | Reviewer Comment (2026-08-25): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-25): Please see attached business purpose cert. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10365866 | [Redact] | [Redact] | 37327432 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Fully executed Business Purpose Certificate was not found in file. | Reviewer Comment (2026-08-25): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-25): Please see attached business purpose cert. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10365911 | [Redact] | [Redact] | 36857065 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-31): Waived on Rate Lock: Collateral cleared by Custodian |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10365911 | [Redact] | [Redact] | 37038330 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted] vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted] | Reviewer Comment (2026-07-22): Client elected to waive the condition on the Non-QM 1st lien |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10365940 | [Redact] | [Redact] | 36857294 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10365941 | [Redact] | [Redact] | 36857331 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-20): Waived on Rate Lock: Collateral cleared by Custodian |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10365941 | [Redact] | [Redact] | 37183363 | Compliance | Compliance | City / Local Compliance | State Defect | (City High Cost Provision) [Redact] Predatory Loan (Financed Fees Exceeds Threshold) | City of [Redacted] Predatory Loan: Lender financed points and fees in excess of [Redacted]%. | Lender financed points and fees in excess of [Redacted]%. | Reviewer Comment (2026-08-24): Client elected to waive the condition |
08/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10365941 | [Redact] | [Redact] | 37183364 | Compliance | Compliance | City / Local Compliance | State Defect | (City High Cost) [Redact] Threshold Loan (Points and Fees) | City of [Redacted] Anti-Predatory Lending Ordinance: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the City Total Loan Amount. Points and Fees total $[Redacted] on a City Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the City Total Loan Amount. Points and Fees total $[Redacted] on a City Total Loan Amount of $[Redacted] versus an allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). Non-Compliant High-Cost Loan. | Reviewer Comment (2026-08-24): Client elected to waive the condition |
08/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10365941 | [Redact] | [Redact] | 37183365 | Compliance | Compliance | County Compliance | State Defect | (County High Cost Provision) [Redact] Predatory Loan (Financed Fees Exceeds Threshold) | [Redacted] County Predatory Loan: Lender financed points and fees in excess of [Redacted]%. | Lender financed points and fees in excess of [Redacted]%. | Reviewer Comment (2026-08-24): Client elected to waive the condition |
08/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10365941 | [Redact] | [Redact] | 37183366 | Compliance | Compliance | County Compliance | State Defect | (County High Cost) [Redact] Threshold Loan (Points and Fees) | [Redacted] County Predatory Lending Ordinance: Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the County Total Loan Amount. Points and Fees total $[Redacted] on a County Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the County Total Loan Amount. Points and Fees total $[Redacted] on a County Total Loan Amount of $[Redacted]versus an allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). Non-Compliant High-Cost Loan. | Reviewer Comment (2026-08-24): Client elected to waive the condition |
08/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||
| [Redact] | 10365942 | [Redact] | [Redact] | 36857333 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-17): (Rate Lock) [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366027 | [Redact] | [Redact] | 36865102 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Buyer Comment (2026-07-28): (Rate Lock) Tracking [Redacted] delivered [Redacted] Seller Comment (2026-07-28): Tracking provided. Note delivered please provide update. Seller Comment (2026-07-24): note delivered |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10366027 | [Redact] | [Redact] | 37010381 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | The file was missing a copy of the Security Instrument and any applicable riders. | Reviewer Comment (2026-07-21): Received security instrument and riders. Exception cleared. Seller Comment (2026-07-20): attached dot |
07/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10366071 | [Redact] | [Redact] | 36866024 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-20): Collateral delivered on [Redacted] via [Redacted] [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366071 | [Redact] | [Redact] | 37077405 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | Closing Date Does Not Agree with Schedule SCH:[Redacted] :NOTE: [Redacted] | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): Please match the schedule to the note. |
07/28/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10366074 | [Redact] | [Redact] | 36866716 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366074 | [Redact] | [Redact] | 37135131 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not found in file. | Reviewer Comment (2026-08-05): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-05): business purpose |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10366098 | [Redact] | [Redact] | 36867822 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-28): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-21): (Rate Lock) [Redacted] |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10366158 | [Redact] | [Redact] | 36868193 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-05): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366158 | [Redact] | [Redact] | 37104004 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | File is missing the signed Business Purpose Certificate. | Reviewer Comment (2026-07-30): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-30): Please see attached Business Purpose Certificate. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10367651 | [Redact] | [Redact] | 36873664 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10368085 | [Redact] | [Redact] | 36881994 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-20): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10368085 | [Redact] | [Redact] | 37273071 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The verification appraisal delivered to the borrower was not provided. | 08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10369290 | [Redact] | [Redact] | 36884647 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral shipped via [Redacted] tracking ID [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10369290 | [Redact] | [Redact] | 37349480 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not found in file. | Reviewer Comment (2026-08-26): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-26): Please see attached Business Purpose Certs. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10369766 | [Redact] | [Redact] | 36886806 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-11): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10369766 | [Redact] | [Redact] | 37172554 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title policy amount of $[Redacted] is less than the note amount of $[Redacted]. | 08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10369766 | [Redact] | [Redact] | 37177233 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-08-18): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-17): Please see attached business purpose cert. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10369766 | [Redact] | [Redact] | 37220747 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | Monthly P&I does not agree with Schedule SCH: [Redacted]NOTE:[Redacted] | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-13): Please match the schedule to the Note. |
08/13/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10369765 | [Redact] | [Redact] | 36886893 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10369765 | [Redact] | [Redact] | 37053045 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation (YSP). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Originator Compensation (YSP). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. ([Redacted]) | Reviewer Comment (2026-07-27): [Redacted] Received Valid COC dated [Redacted][Redacted]. Seller Comment (2026-07-24): [Redacted] On [Redacted] the borrower requested to change to Borrower paid Comp to reduce discount points causing pricing to be [Redacted]. On [Redacted] a Disclosure went out to the borrower to redisclose the Discount points becoming a charge for the rate at [Redacted]. Please see attached disclosures, rate lock confirmation forms, and Change of Circumstance form. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10369765 | [Redact] | [Redact] | 37053046 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-27): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Seller Comment (2026-07-24): [Redacted] Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal Fee. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10369765 | [Redact] | [Redact] | 37076473 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-27): Sufficient Cure Provided At Closing |
07/27/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| [Redact] | 10370605 | [Redact] | [Redact] | 36891195 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-29): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | A | N/A | No | ||||||||||||
| [Redact] | 10370605 | [Redact] | [Redact] | 37090025 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-08-03): Received CDA. Exception cleared. Seller Comment (2026-07-31): CDA |
08/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | A | N/A | No | |||||||||||
| [Redact] | 10370605 | [Redact] | [Redact] | 37090048 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | A | N/A | No | |||||||||||
| [Redact] | 10370605 | [Redact] | [Redact] | 37090053 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide an updated policy reflecting minimum coverage of $[Redacted] or provide a copy of the insurer's replacement cost estimate supporting the current coverage amount. | Reviewer Comment (2026-08-18): FNMA selling guide was updated on [Redacted][Redacted] and removed the previous coverage requirement calculation. The HOI was written on a replacement cost basis and the coverage is sufficient. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | C | A | B | B | D | A | N/A | No | |||||||||||
| [Redact] | 10371438 | [Redact] | [Redact] | 36895369 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): (Rate Lock) [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10371438 | [Redact] | [Redact] | 37232553 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10371443 | [Redact] | [Redact] | 36897598 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-28): (Rate Lock) [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10371443 | [Redact] | [Redact] | 37267427 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10371660 | [Redact] | [Redact] | 36899271 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-12): (Rate Lock) [Redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10371660 | [Redact] | [Redact] | 37106732 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted] on an Original Loan Amount of $[Redacted] versus an allowable total of $[Redacted] and $[Redacted]. | Reviewer Comment (2026-07-31): Client elected to waive the condition on the Non-QM 1st lien |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | Yes | ||||||||
| [Redact] | 10371660 | [Redact] | [Redact] | 37120894 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10371661 | [Redact] | [Redact] | 36899302 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-05): Waived on Rate Lock: Collateral cleared by Custodian |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10371661 | [Redact] | [Redact] | 37104047 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Creditor did not provide Right to Receive a Copy of appraisal. | Reviewer Comment (2026-08-10): Doc provided. Exception cleared. Seller Comment (2026-08-07): Our system of record is showing the application date is [Redacted]. Please provide clarification. Reviewer Comment (2026-08-03): Received appraisal waiver signed on [Redacted][Redacted]. Please provide the right to receive copy of appraisal withing 3 business date of application date [Redacted][Redacted]. Exception remains. Seller Comment (2026-07-31): right to recieve |
08/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10371673 | [Redact] | [Redact] | 36899568 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): [Redacted] Tracking Number [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10371710 | [Redact] | [Redact] | 36899787 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10371710 | [Redact] | [Redact] | 37012735 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | 07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10371700 | [Redact] | [Redact] | 36899789 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10371700 | [Redact] | [Redact] | 37022387 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence that borrower received a copy of appraisal 3 business days to closing. | 07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10371709 | [Redact] | [Redact] | 36899790 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10371709 | [Redact] | [Redact] | 37020090 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Receipt of Appraisal Without Waiver | 07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10371703 | [Redact] | [Redact] | 36899941 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-31): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10371997 | [Redact] | [Redact] | 36900236 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-31): Waived on Rate Lock: Collateral cleared by Custodian |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10372982 | [Redact] | [Redact] | 36905765 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): collateral shipped via [Redacted] tracking ID [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10373510 | [Redact] | [Redact] | 36906013 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-19): collateral shipped via [Redacted] Tracking ID [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10373597 | [Redact] | [Redact] | 36913060 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-27): Waived on Rate Lock: Collateral cleared by Custodian |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10373597 | [Redact] | [Redact] | 37046554 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing documentation to verify monthly payment of $[Redacted]. | Reviewer Comment (2026-07-24): Received Tax verification. Exception cleared. Seller Comment (2026-07-23): [Redacted]: Please note that the monthly payment of [Redacted] is the monthly property taxes. The property does not have an HOA, as evidenced by the Lien Report which confirms the land use is SFR with no subdivision or neighborhood attached. The Property Field Review Card reflects the property address with the ID [Redacted], which matches the Property ID listed on the Notice of Appraised Value. The Notice of Appraised Value shows the total estimated tax as [Redacted], which divided by [Redacted]months is [Redacted] a month. Seller Comment (2026-07-23): [Redacted]: Please note that the monthly payment of [Redacted] is the monthly property taxes. The property does not have an HOA, as evidenced by the Lien Report which confirms the land use is SFR with no subdivision or neighborhood attached. The Property Field Review Card reflects the property address with the ID [Redacted], which matches the Property ID listed on the Notice of Appraised Value. The Notice of Appraised Value shows the total estimated tax as [Redacted], which divided by 12 months is [Redacted] a month. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10373597 | [Redact] | [Redact] | 37046596 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At Closing |
07/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10373597 | [Redact] | [Redact] | 37046957 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state barndominiums are ineligible. The subject property is considered a barndominium. Appraiser states barndominiums are not unique and are common for the subject. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
Client elects to waive with compensating factors: DTI is [Redacted] where maximum is [Redacted] Client elects to waive with compensating factors: Reserves: [Redacted] months where minimum is ([Redacted] |
[Redact],Originator Pre-Close,Aggregator Aggregator,[Redact] |
Reviewer Comment (2026-07-22): Client elects to waive with compensating factors :LTV [Redacted] where [Redacted] is maximum DTI is [Redacted] where maximum is [Redacted] Reserves: [Redacted] months where minimum is [Redacted] ([Redacted]X) |
07/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| [Redact] | 10373596 | [Redact] | [Redact] | 36913081 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10373595 | [Redact] | [Redact] | 36913089 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-27): Waived on Rate Lock: Collateral cleared by Custodian |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10373599 | [Redact] | [Redact] | 36913090 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-27): Waived on Rate Lock: Collateral cleared by Custodian |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10373599 | [Redact] | [Redact] | 37033529 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10373630 | [Redact] | [Redact] | 36916969 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-21): (Rate Lock) [Redacted] |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10373630 | [Redact] | [Redact] | 37274509 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10373631 | [Redact] | [Redact] | 36917691 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): (Rate Lock) [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10373631 | [Redact] | [Redact] | 37231848 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Universal Loan Identifier is not provided. | Reviewer Comment (2026-08-19): ULI provided Seller Comment (2026-08-19): Attached the ULI Number. Please Clear. |
08/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10373631 | [Redact] | [Redact] | 37231854 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. | 08/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10374162 | [Redact] | [Redact] | 36924628 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): (Rate Lock) [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10374162 | [Redact] | [Redact] | 37038698 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The borrower is living rent-free with her spouse, with no ownership in the primary residence. Client exception for use of subject rental income without primary payment. However, the file is missing a copy of the client's fully executed exception approval. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrower has been employed in the same industry for more than [Redacted] years. |
Client elects to waive with compensating factors: Reserves: [Redacted] months were [Redacted] is required ([Redacted]) Client elects to waive with compensating factors: Job Stability: [Redacted] years at employer and residual income of [Redacted] without consideration of rental income |
[Redact],Aggregator Aggregator,[Redact] |
Reviewer Comment (2026-07-27): Client elects to waive with compensating factors: Reserves: [Redacted] months were [Redacted] is required ([Redacted]X) Credit Depth: [Redacted] year mortgage history and [Redacted] year trade history paid as agree Job Stability: [Redacted] years at employer and residual income of [Redacted] without consideration of rental income Seller Comment (2026-07-24): Attached the [Redacted] Approval. Please Waive. |
07/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Purchase | C | B | C | B | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||
| [Redact] | 10374163 | [Redact] | [Redact] | 36924691 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-07): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-04): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10374163 | [Redact] | [Redact] | 37094871 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose was not executed. | Reviewer Comment (2026-07-30): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-29): Please find attached Business purpose |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10374648 | [Redact] | [Redact] | 36930761 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-30): Waived on Rate Lock: Collateral cleared by Custodian |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10374649 | [Redact] | [Redact] | 36931341 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): (Rate Lock) [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10374649 | [Redact] | [Redact] | 37046358 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment (2026-07-30): Received Credit report. Exception cleared. Seller Comment (2026-07-28): Attached is the credit report for [Redacted]. Please Clear. |
07/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10374649 | [Redact] | [Redact] | 37046359 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided | 1008 was not provided. | Reviewer Comment (2026-07-29): Received Loan Underwriting and Transmittal Summary (1008) / MCAW. Exception cleared. Seller Comment (2026-07-28): Attached is the final 1008. Please Clear. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10374649 | [Redact] | [Redact] | 37046528 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Higher Priced as Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). If tested as primary residence, loan exceeds one or more HPML thresholds. Additional compliance testing required to determine if loan would be a compliant or non-compliant HPML. | The borrower selected "yes" they will occupy the property as their primary residence in the declarations section of the initial 1003. | 07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | ||||||||||
| [Redact] | 10374649 | [Redact] | [Redact] | 37048258 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The declarations section of the final 1003 identified the borrower would occupy the subject as a primary residence. Provide a revised 1003 correcting the declarations section. | Reviewer Comment (2026-08-06): Attestation and revised 1003 provided correcting the declarations section provided Seller Comment (2026-08-05): Attached is the borrower's signed and dated attestation confirming the original "Yes" response was a clerical error. Please Clear. Reviewer Comment (2026-07-31): An attestation from the borrower stating that the declarations section of the 1003 was a clerical error is needed. Condition remains. Seller Comment (2026-07-28): Attached is the revised final 1003 for [Redacted]. Section 4 reflects the subject property as an Investment Property, and Section 5A has been corrected to "No" for occupancy as the borrower's primary residence. Please Clear. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||
| [Redact] | 10231742 | [Redact] | 36934461 | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | Required lox for large deposit of $[Redacted]; $[Redacted]; $[Redacted]; $[Redacted]for [Redacted] #[Redacted] | Reviewer Comment (2026-06-25): Received clarification on large deposit except for $[Redacted] which is been back out. Exception Cleared. Buyer Comment (2026-06-24): Per Lender: Can we back out statement. Funds not required for closing. Reviewer Comment (2026-06-19): Received Clarification of all other deposit from [Redacted] is from payroll however Deposit of $[Redacted] does not support the explanation from Payroll. Kindly Provide LOX for large deposit of $[Redacted] Exception remains. Buyer Comment (2026-06-17): LOE for the large deposit and the Esignature acknowledgment |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315220 | [Redact] | 36934474 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing in file. | Reviewer Comment (2026-06-15): Received Certificate of Good Standing. Exception Cleared. Buyer Comment (2026-06-12): COGS attached |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315220 | [Redact] | 36934475 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing in file. | Reviewer Comment (2026-06-15): Received Employer Identification Number (EIN). Exception cleared. Buyer Comment (2026-06-12): see attached EIN |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315220 | [Redact] | 36934476 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided | Unable to ascertain which properties were considered in classifying the borrower as an experienced investor. Unable to determine 12 months experience. | Reviewer Comment (2026-06-24): Received Lease agreement and Final 1003 confirming property occupied as investment for more than 12 months and thus meets guide requirement for Borrower's investor experience. Exception cleared. Buyer Comment (2026-06-23): Lease attached Reviewer Comment (2026-06-16): Received LOE confirming borrower has over [Redacted] year of experience in managing properties. Final 1003 reflects multiple Investment properties associated with the borrower however unable to determine if they are been owned since last 12 months. Exception remains Buyer Comment (2026-06-12): see attached LOE |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315220 | [Redact] | 36934478 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate provided is missing initials stating the Property is not and will not be occupied by me or any family member, or if Borrower is an entity, any member or owner of the Borrower entity. | Reviewer Comment (2026-06-15): Received complete Business Purpose Certificate. Exception Cleared. Buyer Comment (2026-06-15): BUSINESS PURP. ATTACHED |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315220 | [Redact] | 36934479 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-06-10): Accepted Buyer Comment (2026-06-10): [Redacted] accepts value |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10324654 | [Redact] | 36934484 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-06-17): [Redacted] accepts value Buyer Comment (2026-06-16): [Redacted] accepts value |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10324654 | [Redact] | 36934486 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-06-17): Provided. Buyer Comment (2026-06-17): DSCR worksheet |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315480 | [Redact] | 36934498 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | Reviewer Comment (2026-06-25): Project is 2 unit condo as per appraisal report and lender certification and 2-4 units condo are considered as non-warrantable. Exception cleared. Buyer Comment (2026-06-24): Seller attestation stating 2 unit project not requiring certification |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10345085 | [Redact] | 36934517 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-06-29): Accepted per [Redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10345085 | [Redact] | 36934519 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | Provide housing history evidence of [Redacted] month for tradelines [Redacted]# [Redacted]; [Redacted]# [Redacted]. | Reviewer Comment (2026-06-26): Received Revised credit report reflecting mortgage paid until [Redacted]. Exception cleared. Buyer Comment (2026-06-25): Please see the attached soft pull. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10375370 | [Redact] | [Redact] | 36938840 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-27): [Redacted] Tracking Number [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10376051 | [Redact] | [Redact] | 36940259 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-31): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10376051 | [Redact] | [Redact] | 37078316 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-08-18): FNMA selling guide was updated on [Redacted][Redacted] and removed the previous coverage requirement calculation. The HOI was written on a replacement cost basis and the coverage is sufficient. Reviewer Comment (2026-07-29): Received email stating replacement coverage, however percentage of the replacement coverage or amount of the replacement coverage is not provided. Exception remains. Seller Comment (2026-07-28): Please see attached from agent confirmation the policy has replacement cost coverage. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10376051 | [Redact] | [Redact] | 37078323 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing from the file. | Reviewer Comment (2026-07-29): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-28): Please see attached business purpose cert. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10377463 | [Redact] | [Redact] | 36944058 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10378912 | [Redact] | [Redact] | 36963430 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-20): Waived on Rate Lock: Collateral cleared by Custodian |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10378938 | [Redact] | [Redact] | 36964794 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-05): Waived on Rate Lock: Collateral cleared by Custodian |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10378938 | [Redact] | [Redact] | 37101791 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not executed. | Reviewer Comment (2026-07-31): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-30): business purpose |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10378941 | [Redact] | [Redact] | 36964914 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-19): Collateral shipped via [Redacted] Tracking ID [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10378941 | [Redact] | [Redact] | 37223249 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-20): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-19): Please find attached Business Purpose |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10379422 | [Redact] | [Redact] | 36967070 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-03): Waived on Rate Lock: Collateral cleared by Custodian |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10379422 | [Redact] | [Redact] | 37031393 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reserves of [Redacted] are less than Guideline PITIA months reserves of [Redacted]. | Reviewer Comment (2026-07-29): Received UW worksheet clarifying the assets. Exception cleared. Seller Comment (2026-07-28): Per Underwriter, please advise what assets you are missing. asset worksheet attached. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10379422 | [Redact] | [Redact] | 37032171 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-07): Please find attached Business Purpose Cert |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10380046 | [Redact] | [Redact] | 36972851 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-11): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10380047 | [Redact] | [Redact] | 36973044 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-28): [Redacted] Tracking Number [Redacted] |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10380393 | [Redact] | [Redact] | 36973914 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): Collateral shipped via [Redacted] Tracking [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10380393 | [Redact] | [Redact] | 37261781 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | 08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10380397 | [Redact] | [Redact] | 36974128 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral shipped via [Redacted] Tracking ID [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10380668 | [Redact] | [Redact] | 36974359 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-12): collateral delivered 0[Redacted] via [Redacted] tracking [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10380668 | [Redact] | [Redact] | 37159397 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | 08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10381034 | [Redact] | [Redact] | 36975203 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-05): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10381034 | [Redact] | [Redact] | 37123813 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 08/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10381034 | [Redact] | [Redact] | 37139156 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | File is missing an executed business purpose certificate. | Reviewer Comment (2026-08-04): Received Business purpose certificate. Exception cleared. Seller Comment (2026-08-04): Please see attached business purpose cert. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10381034 | [Redact] | [Redact] | 37139513 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | File is missing an executed business purpose certificate. | Reviewer Comment (2026-08-04): Received Business purpose certificate. Exception cleared. Seller Comment (2026-08-04): Please see attached business purpose cert. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10381042 | [Redact] | [Redact] | 36975239 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-29): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-24): [Redacted], delivered [Redacted]. Seller Comment (2026-07-23): [Redacted], delivered [Redacted]. |
07/29/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10382564 | [Redact] | [Redact] | 36981230 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-07): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-31): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10382667 | [Redact] | [Redact] | 36993210 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-07-31): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-07-30): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted]. |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10382667 | [Redact] | [Redact] | 37062183 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file was missing a copy of the signed Business Purpose Certificate. | Reviewer Comment (2026-07-27): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-07-27): Please see attached business purpose cert. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10382667 | [Redact] | [Redact] | 37062187 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | The file was missing a copy of the Licensee Info or Affidavit. | Reviewer Comment (2026-08-03): Rider provided Seller Comment (2026-07-30): Compliance response: The affidavit wasn't signed because both the loan originator and the originating lender are fully licensed in [Redacted] and are not exempt from licensing requirements under Financial Institutions Article, Title 11, Subtitles 5 and 6. Per Real Property Article §3-104.1, the affidavit is only required when the loan originator or the originating lender is claiming an exemption from licensing. Since neither loan originator or originating lender are exempt, the statute instead requires their name and [Redacted] license number to be included directly on the security instrument. The licensing information is included on page [Redacted] of [Redacted] of the deed of trust. Reviewer Comment (2026-07-27): Received the Licensee Information or Affidavit Rider; however, it has not been signed. Please provide a fully executed (signed) Licensee Information or Affidavit Rider. Exception remains. Seller Comment (2026-07-24): Please see attached mortgage with all riders. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10382659 | [Redact] | [Redact] | 36993685 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-12): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10382659 | [Redact] | [Redact] | 37172465 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-08-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-10): Please see attached business purpose cert. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10382687 | [Redact] | [Redact] | 36995741 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-28): (Rate Lock) [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10325971 | [Redact] | 37006419 | Credit | Insurance | Insurance Documentation | Insurance | Insurance Policy Expiration Date is less than [Redacted] days of the Note Date and does not have automatic renewal. | A renewal policy is required to confirm the policy premium has not changed and that there is coverage since the policy provided expires prior to the first mortgage payment. | Reviewer Comment (2026-06-08): Received updated policy. Condition cleared. Buyer Comment (2026-06-08): Updated HOI policies uploaded for review. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10383974 | [Redact] | [Redact] | 37007144 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10383974 | [Redact] | [Redact] | 37359521 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-27): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-27): Please see attached business purpose certificate. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10384659 | [Redact] | [Redact] | 37013333 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-13): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10384659 | [Redact] | [Redact] | 37185153 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Missing a fully executed business purpose certificate. | Reviewer Comment (2026-08-11): Signed doc provided. Exception cleared. Seller Comment (2026-08-11): business purpose |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10384668 | [Redact] | [Redact] | 37014346 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-18): (Rate Lock) [Redacted] |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10384668 | [Redact] | [Redact] | 37191172 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Layered Entities are not allowed. The loan closed in the name of an entity that is owned by another entity. Client exception approval made; however a copy of the fully executed client exception approval was missing from the file. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] LTV where [Redacted] is max. | [Redact],Originator Pre-Close,Aggregator [Redact] [Redact] [Redact] |
Reviewer Comment (2026-08-12): Client elected to waive the condition with the following Compensating Factors: [Redacted] LTV where [Redacted] is max. Experience investor: [Redacted] years property management. Credit depth: [Redacted] -year credit history including [Redacted] -year mortgage history paid as agreed. Seller Comment (2026-08-12): Attached the client exception approval confirming approval of the layered entity vesting on [Redacted][Redacted]. Please Waive. |
08/12/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||
| [Redact] | 10385015 | [Redact] | [Redact] | 37014810 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-31): collateral shipped via [Redacted] Tracking id [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10385015 | [Redact] | [Redact] | 37274154 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | No evidence that borrower received a copy of appraisal 3 business days prior to closing. | 08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10385246 | [Redact] | [Redact] | 37016664 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-04): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10385246 | [Redact] | [Redact] | 37141611 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-08-07): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-06): Please find business purpose cert |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10385246 | [Redact] | [Redact] | 37141612 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-08-07): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-06): Business Purpose Affidavit attached |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10385246 | [Redact] | [Redact] | 37210941 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | Monthly P&I does not agree with Schedule SCH: [Redacted] NOTE: [Redacted] | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-12): Please match the schedule to the note. |
08/13/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10286411 | [Redact] | 37022679 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. | Escrow account not established for a loan that has been determined to be a higher-priced mortgage loan. | Reviewer Comment (2026-06-17): Initial Escrow Account disclosure provided and updated, Exception cleared. Buyer Comment (2026-06-16): Uploaded |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | If escrow was established before consummation for one impound item but not the other (e.g. taxes but not insurance), cure available by escrowing item that was not previously included. Proof of new escrow setup required. If no escrow account was established at or before consummation, no cure available. |
C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10286411 | [Redact] | 37022680 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Loan is a non-compliant Higher-Priced Mortgage Loan due to missing evidence of appraisal delivery three days prior to closing and no escrow account established. | Reviewer Comment (2026-06-17): Escrow account established, PCCD provided, Exception cleared. Buyer Comment (2026-06-16): Acknowledgment of Receipt of Appraisal Report signed [Redacted] in file. Buyer Comment (2026-06-16): Uploaded |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10286411 | [Redact] | 37022684 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of updated appraisal, dated [Redacted], nor compliant acknowledgment of receipt signed at closing was provided. | Reviewer Comment (2026-06-10): Acknowledgement of receipt of appraisal within three days of closing signed on [Redacted][Redacted] provided, Exception cleared. Buyer Comment (2026-06-09): Acknowledgment of Receipt of Appraisal Report signed [Redacted] provided in file. |
06/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10286411 | [Redact] | 37022685 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of updated appraisal, dated [Redacted], nor compliant acknowledgment of receipt signed at closing was provided, as required for a loan that has been designated a higher-priced mortgage loan. | Reviewer Comment (2026-06-10): Acknowledgement of receipt of appraisal within three days of closing signed on [Redacted][Redacted] provided, Exception cleared. Buyer Comment (2026-06-09): Acknowledgment of Receipt of Appraisal Report signed [Redacted] provided in file. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333298 | [Redact] | 37022689 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] was received [Redacted] with Note date of [Redacted] missing evidence of waiver. | Reviewer Comment (2026-06-23): Received the corrected appraisal. Buyer Comment (2026-06-19): original apprsl was dated [Redacted] and delivered to the borrower [Redacted], which is more than[Redacted] days prior to consummation Buyer Comment (2026-06-19): original apprsl was dated [Redacted] and delivered to the borrower [Redacted], which is more than [Redacted] days prior to consummation |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333298 | [Redact] | 37022692 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee increased on CD dated [Redacted], with no change in circumstance or cure provided to the Borrower. | Reviewer Comment (2026-06-22): [Redacted] received a valid COC. Buyer Comment (2026-06-19): attached |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10333298 | [Redact] | 37022693 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection fee was added to CD dated [Redacted], with no valid change or cure provided to the borrower. | Reviewer Comment (2026-06-22): [Redacted] received a valid COC. Buyer Comment (2026-06-19): COC attached |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10333298 | [Redact] | 37022694 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing Third-Party Verification for Self-Employment business. Guidelines require a CPA Letter, Business License, Telephone Listing, Internet Search, or Directory Assistance. | Reviewer Comment (2026-06-22): CPA letter provided for [Redact], Exception cleared. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333298 | [Redact] | 37022695 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared | Reviewer Comment (2026-06-22): CPA letter provided for [Redact], Exception cleared. |
06/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10333298 | [Redact] | 37022696 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall: ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-06-22): CPA letter provided for [Redact], Exception cleared. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333298 | [Redact] | 37022697 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall: ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-06-22): CPA letter provided for [Redact], Exception cleared. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333298 | [Redact] | 37022698 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The file is missing Third-Party Verification for Self-Employment business. Guidelines require a CPA Letter, Business License, Telephone Listing, Internet Search, or Directory Assistance. | Reviewer Comment (2026-06-22): CPA letter provided for [Redact], Exception cleared. Buyer Comment (2026-06-19): CPA letter attached |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333288 | [Redact] | 37022705 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-06-25): Changed of circumstance provided as an alternative document for rate lock, Exception cleared. Buyer Comment (2026-06-23): Uploaded |
06/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333288 | [Redact] | 37022707 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing initial Closing Disclosure received by borrower(s) at least 3 business days prior to closing. | Reviewer Comment (2026-06-24): [Redacted] received initial CD. Buyer Comment (2026-06-23): Uploaded |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10333288 | [Redact] | 37022709 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-22): Sufficient Cure Provided At Closing |
06/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10333287 | [Redact] | 37022712 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10333287 | [Redact] | 37022713 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided | Missing note for simultaneous second mortgage verifying loan terms. | Reviewer Comment (2026-07-01): Note attached for subordinate lien. Exception cleared. Buyer Comment (2026-06-30): note |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10386095 | [Redact] | [Redact] | 37025213 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-01): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10386095 | [Redact] | [Redact] | 37349423 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file was missing a copy of the Business Purpose Certificate. | Reviewer Comment (2026-08-26): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-26): Please see attached Business Purpose Cert. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10387279 | [Redact] | [Redact] | 37029163 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-20): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10387279 | [Redact] | [Redact] | 37290209 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-24): Received fully executed business purpose. Exception cleared Seller Comment (2026-08-24): Please see attached business purpose cert. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10388814 | [Redact] | [Redact] | 37034927 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-18): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10388814 | [Redact] | [Redact] | 37222435 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | 08/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10389216 | [Redact] | [Redact] | 37035657 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-25): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10389231 | [Redact] | [Redact] | 37036397 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-28): Collateral was delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10389231 | [Redact] | [Redact] | 37333526 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-26): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-26): Please see attached business purpose cert. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10389232 | [Redact] | [Redact] | 37036438 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-12): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10389232 | [Redact] | [Redact] | 37193480 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | The file is missing documentation from the seller confirming the condo is warrantable. | Reviewer Comment (2026-08-14): Lender approval provided. Exception cleared. Seller Comment (2026-08-13): Please see attached from our project review team. condo is warrantable |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10389232 | [Redact] | [Redact] | 37193484 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-08-12): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-12): Please see attached businese purpose cert. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10389232 | [Redact] | [Redact] | 37259296 | Credit | Collateral | Missing/Incorrect | Collateral | Collateral report shows issues with Note. | Monthly P&I does not agree with Schedule SCH: [Redacted] NOTE:[Redacted] | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-18): Please match the schedule to the note. |
08/18/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||
| [Redact] | 10389233 | [Redact] | [Redact] | 37036485 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-19): collateral shipped via [Redacted] Tracking ID [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10389233 | [Redact] | [Redact] | 37211670 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-08-19): Document provided. Exception cleared. Seller Comment (2026-08-19): Please find attached Business Purpose Affidavit |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10389672 | [Redact] | [Redact] | 37037006 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-14): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10389672 | [Redact] | [Redact] | 37203694 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 08/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10392395 | [Redact] | [Redact] | 37044723 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-13): Collateral shipped via [Redacted] Tracking ID [Redacted], Delivered [Redacted], [Redacted][Redacted] at [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10392395 | [Redact] | [Redact] | 37193435 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Subtitle 1 - 12-105(c)(4) Interest and Usury Prepayment Penalty ([Redacted]) - Limiting Method | [Redacted] Subtitle [Redacted] Interest and Usury Prepayment Penalty ([Redacted]): Maximum calculated prepay of $[Redacted] exceeds the state maximum of [Redacted] months interest calculated on [Redacted] of the original balance ($[Redacted]); however Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-08-11): Client elected to waive the condition. Note: it is the client's interpretation that prepayment penalty in [Redacted] is allowable under law. |
08/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10392772 | [Redact] | [Redact] | 37046680 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-06): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10392772 | [Redact] | [Redact] | 37137453 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. | Reviewer Comment (2026-08-06): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-06): Please see attached business purpose cert. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10392772 | [Redact] | [Redact] | 37137457 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. | Reviewer Comment (2026-08-06): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-06): Please see attached business purpose cert. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10392846 | [Redact] | [Redact] | 37047583 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): (Rate Lock) [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10392846 | [Redact] | [Redact] | 37250862 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | 08/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10357864 | [Redact] | 37068645 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 07/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10357864 | [Redact] | 37068674 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 07/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10357864 | [Redact] | 37182671 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Most recent years' tax returns not in file. [Redacted] tax return extension in file | 08/07/2026 | No | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10357864 | [Redact] | 37182672 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted], Most Recent Tax Return End Date [Redacted], Tax Return Due Date [Redacted]. | Most recent years' tax returns not in file. [Redacted] tax return extension in file | 08/07/2026 | No | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10357872 | [Redact] | 37067033 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of [Redacted]% of the Federal Total Loan Amount and $[Redacted]([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] and $[Redacted] ([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of the greater of [Redacted]% of the Federal Total Loan Amount and $[Redacted] ([Redacted]). Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted] and $[Redacted]. | Reviewer Comment (2026-08-07): Client elected to waive the condition |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10357884 | [Redact] | 37068466 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Universal Loan Identifier (ULI) is missing. | Reviewer Comment (2026-08-05): ULI provided. Exception cleared. Seller Comment (2026-08-05): Universal Loan Identifier uploaded for review. |
08/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10357887 | [Redact] | 37066535 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Universal Loan Identifier (ULI) is missing. | Reviewer Comment (2026-08-05): ULI provided. Exception cleared. Seller Comment (2026-08-05): ULI information uploaded for review. |
08/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10357888 | [Redact] | 37068521 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted] or [Redacted]%). | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% are in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] versus an investor allowable total of $[Redacted]. | Reviewer Comment (2026-08-07): Client elected to waive the condition |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10357893 | [Redact] | 37069359 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within [Redacted] and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | 07/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10357893 | [Redact] | 37069362 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Missing Universal Loan Identifier (ULI). | Reviewer Comment (2026-08-05): ULI provided. Exception cleared. Seller Comment (2026-08-05): Universal Loan Identifier uploaded for review. |
08/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10357893 | [Redact] | 37069398 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 07/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10357893 | [Redact] | 37069399 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 07/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10357893 | [Redact] | 37069401 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Loan Disclosures: Amount of Estimated Property Costs over Year 1 on Final Closing Disclosure provided on [Redacted] is underdisclosed. | Reviewer Comment (2026-08-17): [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2026-08-14): PCCD documentation uploaded for review. |
08/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10357893 | [Redact] | 37069402 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on [Redacted]. | Reviewer Comment (2026-08-17): [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2026-08-14): PCCD documentation uploaded to trailing docs for review. Reviewer Comment (2026-08-07): Final CD & PCCD both reflect on page [Redacted] under Projected payments - Estimated Taxes, Insurance & Assessments that both the taxes and insurance will not be escrowed (In escrow? = NO). But Page [Redacted] of same CD's has checkmarked that loan "will have an escrow account" and has entered the non-escrowed property costs in this table. If no escrows, this table should not be checkmarked and completed but should check mark "will NOT have escrow account and reason checkmarked and then the NoEscrow Estimated property costs over Year 1 completed on the amounts. Corrected CD & LOE to borrower to correct & cure. Seller Comment (2026-08-05): The final CD Doc ID [Redacted] page [Redacted] and "X" will have an escrow account. |
08/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10357893 | [Redact] | 37069403 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment (2026-08-17): [Redacted] received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2026-08-14): PCCD documentation uploaded to trailing docs for review. Reviewer Comment (2026-08-07): Final CD & PCCD both reflect on page [Redacted] under Projected payments - Estimated Taxes, Insurance & Assessments that both the taxes and insurance will not be escrowed (In escrow? = NO). But Page [Redacted] of same CD's has checkmarked that loan "will have an escrow account" and has entered the non-escrowed property costs in this table. If no escrows, this table should not be checkmarked and completed but should check mark "will NOT have escrow account and reason checkmarked and then the NoEscrow Estimated property costs over Year 1 completed on the amounts. Corrected CD & LOE to borrower to correct & cure. Seller Comment (2026-08-05): The final CD Doc ID [Redacted] page [Redacted] and "X" will have an escrow account. |
08/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10357758 | [Redact] | 37135929 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | The file is missing proof of the Universal Loan Identifier (ULI). | Reviewer Comment (2026-08-07): Client elected to waive the condition |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10357758 | [Redact] | 37136917 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-08-07): Client elected to waive the condition |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10326049 | [Redact] | 37083998 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | COA Valuations Rule (Dodd-Frank 2014): Borrower waived the right to receive a copy of the appraisal at least three (3) business days prior to closing, and the appraisal was not provided at or before closing. | 07/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Exempt from ATR | Exempt from ATR | No | |||||||||||
| [Redact] | 10326005 | [Redact] | 37104785 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | Universal Loan Identifier (ULI) was not provided in the file. | Reviewer Comment (2026-08-10): ULI provided Seller Comment (2026-08-07): Universal Loan Identifier uploaded for review. |
08/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10326091 | [Redact] | 37085881 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redact] or [Redact] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy). Unable to determine if appropriate coverage is provided. | 07/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10326091 | [Redact] | 37086037 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 07/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10326108 | [Redact] | 37082674 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. | 07/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10393680 | [Redact] | [Redact] | 37053438 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-06): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10393680 | [Redact] | [Redact] | 37153039 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10393680 | [Redact] | [Redact] | 37160726 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-06): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-06): business purpose |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10393745 | [Redact] | [Redact] | 37053995 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-10): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted]. |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10393745 | [Redact] | [Redact] | 37173278 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10393745 | [Redact] | [Redact] | 37173973 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-08-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-10): Please see attached business purpose cert. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10393745 | [Redact] | [Redact] | 37173978 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-08-10): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-10): Please see attached business purpose cert. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10307507 | [Redact] | 37056064 | Credit | Missing Document | General | Missing Document | Missing Document: Land Lease Agreement not provided | The provided lease agreement for the primary property located at [Redacted]. [Redacted] expired. Please provide a current/updated lease agreement to document the lease term and rental payment. | Reviewer Comment (2026-07-02): Received Lease agreement with clause [Redacted]c stating lease will continue year to year after expiration of initial term along with Letter from owner and VOM from owner. Exception cleared. Buyer Comment (2026-06-30): Transaction History ([Redacted] pages) Reviewer Comment (2026-06-04): Received Lease agreement with a clause on section 7C of the lease agreement for the lease to be renewed year-to-year after expiration of the initial term. However as per guide, For rental verification, a standard VOR completed by a professional management company or [Redacted]months bank statements/canceled checks and a lease agreement to document the term and payment are required. Therefore Provide [Redacted]months bank statement /Cancelled check to support the lease rent. Exception remains. Buyer Comment (2026-06-03): FYI: Advised seller The [Redact] payment amounts provided are inconsistent and are not the same over the last [Redacted]months and do not match the payee [Redacted] listed on the expired lease |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10307507 | [Redact] | 37056066 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-06-05): [Redacted] received valid changed circumstance. Buyer Comment (2026-06-03): COC |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10307507 | [Redact] | 37056067 | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-09): Lender accepts the value. Buyer Comment (2026-06-05): [Redacted] accepts value |
06/09/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||||
| [Redact] | 10327217 | [Redact] | 37056082 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-07-07): cleared Buyer Comment (2026-07-02): client accepts |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | ||||||||||||
| [Redact] | 10315221 | [Redact] | 37056139 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet. |
Reviewer Comment (2026-06-22): Received 1008 reflects DSCR Calculation Worksheet. Exception Cleared. Buyer Comment (2026-06-21): see page [Redacted] of 1008 |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315221 | [Redact] | 37056140 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided | Unable to ascertain borrower's investment ownership. Multiple properties listed on fraud report with no occupancy type also Track record states that borrower has [Redacted] years of experience into managing investment properties however as per guide we would require property used to document investment experience. | Reviewer Comment (2026-06-29): Investment ownership confirmed through prop "[Redacted]" Purchased [Redacted] , Verified from Track record and Fraud report. Exception Cleared. Buyer Comment (2026-06-25): LOE |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315221 | [Redact] | 37056141 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Provided document reflects entity name as "[Redacted] Require updated Document reflecting correct entity name as "[Redacted]" | Reviewer Comment (2026-07-09): Revised Note, Security Instrument with riders and Letter of intent to re-record received with Borrowing entity name changed to "[Redacted]". Exception cleared. Buyer Comment (2026-07-08): Letter of Intent |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315221 | [Redact] | 37056142 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Provided document reflects entity name as "[Redacted] Require updated Document reflecting correct entity name as "[Redacted]" | Reviewer Comment (2026-07-09): Revised Note, Security Instrument with riders and Letter of intent to re-record received with Borrowing entity name changed to "[Redacted]". Exception cleared. Buyer Comment (2026-07-08): Document uploaded |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315221 | [Redact] | 37056143 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Provided document reflects entity name as "[Redacted] Require updated Document reflecting correct entity name as "[Redacted]" | Reviewer Comment (2026-07-09): Revised Note, Security Instrument with riders and Letter of intent to re-record received with Borrowing entity name changed to "[Redacted]". Exception cleared. Buyer Comment (2026-07-08): Document uploaded |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10315221 | [Redact] | 37056144 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Provided document reflects entity name as "[Redacted] Require updated Document reflecting correct entity name as "[Redacted]" | Reviewer Comment (2026-07-09): Revised Note, Security Instrument with riders and Letter of intent to re-record received with Borrowing entity name changed to "[Redacted]". Exception cleared. Buyer Comment (2026-07-08): Document uploaded |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10318635 | [Redact] | 37056146 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet |
Reviewer Comment (2026-06-17): Received 1008 with DSCR Calculation. Exception Cleared. Buyer Comment (2026-06-16): Updated 1008 Reviewer Comment (2026-06-12): Received 1008 with DSCR Calculation. Lease rent is [Redacted] and Market rent is [Redacted] and Lender has considered [Redacted] as the rent. Therefore provide corrected worksheet with updated rent as [Redacted] as the lowest. Exception remains. Buyer Comment (2026-06-11): 1008 with DSCR calculation |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10318635 | [Redact] | 37056147 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | A Letter of Explanation (LOX) or supporting documentation is required to address the past-due balance of $[Redacted] reflected on the [Redacted]mortgage statement for Finance Company account #[Redacted]. Missing evidence of [Redacted]- [Redacted]payments. Credit reflects account as an installment loan but the statement provided reflects Home Improvement loan. Also, #[Redacted]due for delinquent due for [Redacted] payments. | Reviewer Comment (2026-07-02): Received an acceptable credit supplement. Buyer Comment (2026-07-02): credit supplement showing $[Redacted] balance Reviewer Comment (2026-07-01): Credit supplement reflects 0 past due for 30,60 and 90 however as per Mortgage statement dated [Redacted] There is a past due payment in the amount of [Redacted] Provide either a LOX from borrower confirming the past due payment reflecting on mortgage statement or provide mortgage statement for [Redacted] reflecting no past due. Exception remains. Buyer Comment (2026-06-29): Credit supplement updated for june for Credit Service home importment loan with no lates Reviewer Comment (2026-06-17): Noted. Credit supplement reflects 0 past due for 30,60 and 90 however as per Mortgage statement dated [Redacted] There is a past due payment in the amount of [Redacted] Provide either a LOX from borrower confirming the past due payment reflecting on mortgage statement. Exception remains. Buyer Comment (2026-06-16): Seller response- please re-review page [Redacted] of the supplement provided as Service Finance Company is listed there with 0 past due, 0 lates and next due date of [Redacted]. Reviewer Comment (2026-06-12): Received Credit supplement confirming payment for Mortgage [Redacted] and [Redacted] paid until May [Redacted]. However LOE for the past due payment reflecting on Mortgage statement ([Redacted]) for [Redacted] or supporting document to confirm this is been paid off. Exception remains. Buyer Comment (2026-06-11): Credit supplement with no lates |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10319770 | [Redact] | 37056151 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Additional assets required to meet the closing requirement. | Reviewer Comment (2026-06-30): Clearing as Per new directive of fannie mae. Considering Stock, MF and IRA for both closing and reserves. Exception Cleared. Reviewer Comment (2026-06-30): Loan is processed as NonQm and as per NonQM guide Section 11.1, if Stocks & Mutual funds and IRA are considered for closing then Evidence of liquidation is required. However there is still a shortfall for $[Redacted]. Therefore, either provide additional liquid asset that support the closing requirement or bank Statement / Credit card statement from the appraisal Fee of $[Redacted] paid. Exception remains. Buyer Comment (2026-06-26): Per new directive please follow fannie mae guides for stocks and mutual funds liquidity. https:[Redacted] Reviewer Comment (2026-06-25): Noted. Earlier received was a wire transfer of [Redacted] and total asset required along with POCB is [Redacted] All asset provided are Mutual funds [Redacted] / IRA [Redacted] and [Redacted] and Mutual Funds [Redacted]. As per guide if Stocks & Mutual funds and IRA are considered for closing then Evidence of liquidation is required. For which there was wire of [Redacted] provided. However there is still a shortfall for [Redacted],. Therefore either provide additional liquid asset that support the closing requirement or bank Statement / Credit card statement from the appraisal Fee of [Redacted] paid. Exception remains Buyer Comment (2026-06-24): Seller question- can we please be advised why this condition is being requested? what is needed here? We have [Redacted] in liquid funds for closing. Only [Redacted] used for closing. There is enough funds to cover the closing Plus reserve [Redacted]. Reviewer Comment (2026-06-19): Received Evidence of liquidation for [Redacted] however there is a POCB for [Redacted] that was paid by borrower before closing. Provide Supporting document (Bank statement or credit card statement) that supports Appraisal fee paid by borrower before closing for the amount of [Redacted] Exception remains. Buyer Comment (2026-06-18): LOX RE: Assets in file Reviewer Comment (2026-06-16): The provided assets consist of IRA, stocks, and mutual funds; however, per guidelines, only 70% of their value may be considered for reserve purposes. To Considered Stock and Mutual funds for closing, provide Evidence of liquidation / Disbursement for stocks and Mutual fund account or Additional assets to meet the closing requirements. Exception remains. Buyer Comment (2026-06-12): Additional assets |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326616 | [Redact] | 37056172 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Provided [Redacted] is missing borrowers Initials and Signature. It is also not notarized.. Require updated copy of Business purpose certificate. | Reviewer Comment (2026-06-24): Received Business Purpose Certificate. Exception cleared. Buyer Comment (2026-06-24): BPA |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326616 | [Redact] | 37056173 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | - | Credit documents may not be older than 90 days from the Note date. Require updated Credit report. Credit Report date [Redacted] and the loan closed [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |
[Redact] [Redact] [Redact] |
Reviewer Comment (2026-06-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-26): investor exception approval |
06/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | A | A | A | N/A | No | |||||||||
| [Redact] | 10326616 | [Redact] | 37056175 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter required as per guide. | Reviewer Comment (2026-06-24): Received Closing Protection Letter. Exception cleared. Buyer Comment (2026-06-23): CPL |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10326616 | [Redact] | 37056177 | Compliance | Note | General | Missing, Incorrect, or Incomplete Note | Prepayment Penalty Discrepancy | Final CD and Rate Lock indicates loan has PPP, however file does not contain prepayment penalty addendum. Please confirm the prepayment terms if applicable. | Reviewer Comment (2026-06-24): Received Note Addendum - PPP along with PPP rider with Terms as per guide. Exception Cleared. Buyer Comment (2026-06-23): Comment from Lender: Prepayment Penalty Addendum to Note and Recorded Mortgage with Prepayment rider. |
06/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10327837 | [Redact] | 37056179 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Properties where the insurance coverage on the declaration page does not cover the loan amount must have a cost estimate from the insurance company or agent evidencing the property is insured for its replacement cost. | Reviewer Comment (2026-07-01): Received RCE confirmation form insurance company regarding RCE. Exception cleared. Buyer Comment (2026-06-30): LOX from Ins co |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10327837 | [Redact] | 37056180 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Borrower current address is [Redacted], free & clear verification not in file | Reviewer Comment (2026-06-26): As per [Redacted] it confirms that borrower does not have any lien or obligation towards primary residence. Exception Cleared. Buyer Comment (2026-06-25): Please review, showing no liens |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329696 | [Redact] | 37056181 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Appraisal report reflects incorrect city name as "[Redacted]" which does not match with Note documents. Required updated appraisal report with correct city name or client to accept as is. | Reviewer Comment (2026-07-02): Received appraisal report with updated city name on the address. Exception Cleared. Buyer Comment (2026-06-30): Appraisal |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10329696 | [Redact] | 37056182 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Hazard Insurance Policy & RCE reflects incorrect city name as "[Redacted]" which does not match with Note documents. Required updated HOI policy & RCE with correct city name or client to accept as is. | Reviewer Comment (2026-07-02): Received HOI policy and RCE with updated city name of the address. Exception cleared. Buyer Comment (2026-07-02): RCE Reviewer Comment (2026-06-30): Received HOI Policy with updated address however City name on RCE still reflects the same as "[Redacted]" instead of "[Redacted]". Exception remains. Buyer Comment (2026-06-29): HOI |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329696 | [Redact] | 37056184 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter is missing in file. | Reviewer Comment (2026-06-30): Received Closing Protection Letter. Exception cleared. Buyer Comment (2026-06-29): CPL |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10329696 | [Redact] | 37056185 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Missing verification of Mortgage for [Redacted] #[Redacted] and [Redacted] #[Redacted] for [Redacted]. | Reviewer Comment (2026-07-06): Received credit supplement confirming mortgage payment until [Redacted]. Exception Cleared. Buyer Comment (2026-07-01): credit supplement |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10287624 | [Redact] | 37056187 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter is missing in file. | Reviewer Comment (2026-06-26): Received Closing Protection Letter. Exception cleared Buyer Comment (2026-06-25): CPL |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10287624 | [Redact] | 37056189 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification is missing in file. | Reviewer Comment (2026-06-30): Driver's licence received for both the borrowers. Exception Cleared. Buyer Comment (2026-06-26): ID Reviewer Comment (2026-06-26): Fraud report and CPL received. Document supporting Verification of Identification is still missing. Provide Driver's license as a verification of Identification. Exception remains. Buyer Comment (2026-06-25): Document Uploaded |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10287624 | [Redact] | 37056190 | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing | - | Patriot Act Disclosure is missing in file. | Reviewer Comment (2026-06-30): Driver's licence received for both the borrowers. Exception Cleared. Buyer Comment (2026-06-26): ID Uploaded Reviewer Comment (2026-06-26): Fraud report and CPL received. Document supporting PAT act disclosure is still missing. Provide Driver's license as supporting document for Pat Act disclosure or a signed PAT act disclosure. Exception remains. Buyer Comment (2026-06-24): Patriot act or ID is allowed. Both are not required |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10287624 | [Redact] | 37056191 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report for borrower's is missing in file. | Reviewer Comment (2026-06-26): Received Fraud report with Participant list for both borrowers. Exception Cleared. Buyer Comment (2026-06-25): Fraud Report |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10287624 | [Redact] | 37056193 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate is missing in file. | Reviewer Comment (2026-07-02): Received Initialed and signed Business Purpose Certificate. Exception cleared. Buyer Comment (2026-06-30): BPA |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306077 | [Redact] | 37056195 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided | An experienced real estate investor must have a minimum of [Redacted] months ownership and management of income producing residential or commercial real estate within the past 24 months. | Reviewer Comment (2026-07-02): As per the lease agreement, the borrower satisfies the investor experience requirement based on their prior investment property located at [Redacted]. Exception Cleared. Buyer Comment (2026-06-30): Lender's response: lease to show [Redacted]months |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10306077 | [Redact] | 37056196 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Borrowers who have lived in a rent-free situation are eligible if the borrower is an experienced real estate investor with a minimum of 12 months ownership and management of income-producing residential or commercial real estate within the past [Redacted] months. Missing experience. | Reviewer Comment (2026-07-02): As per the lease agreement, the borrower satisfies the [Redacted] months investor experience requirement based on their prior investment property located at [Redacted]. Exception Cleared. Buyer Comment (2026-06-30): Lender's response: lease to show [Redacted] months |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322636 | [Redact] | 37056198 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter is missing in file. | Reviewer Comment (2026-07-06): Received Closing Protection Letter. Exception cleared. Buyer Comment (2026-07-01): CPL |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10322636 | [Redact] | 37056199 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | Subject property is vacant and a lease is required for refinances per guidelines | Reviewer Comment (2026-07-06): Received executed Lease agreement. Exception cleared. Buyer Comment (2026-07-01): Lease agreement |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10360558 | [Redact] | 37056201 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-07-07): Cleared Buyer Comment (2026-07-02): Client accepts |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10357896 | [Redact] | 37056206 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Require Business Fraud report for "[Redacted]". | Reviewer Comment (2026-07-07): Fraud report for the entity received. Exception cleared. Buyer Comment (2026-07-06): Fraud report |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10394098 | [Redact] | [Redact] | 37056393 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10394098 | [Redact] | [Redact] | 37274483 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate for the second guarantor, [Redact], was missing. | Reviewer Comment (2026-08-20): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-20): Please see attached business purpose cert. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10394100 | [Redact] | [Redact] | 37056530 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral shipped via [Redacted] Tracking ID [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10394100 | [Redact] | [Redact] | 37364105 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-26): Received fully executed business purpose cert. Exception cleared. Seller Comment (2026-08-26): Business Purpose Certificate attached. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10394779 | [Redact] | [Redact] | 37063533 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-04): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10394782 | [Redact] | [Redact] | 37063565 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-25): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10394782 | [Redact] | [Redact] | 37222418 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-08-14): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-14): Please see attached business purpose cert |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10394919 | [Redact] | [Redact] | 37069001 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-07): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10394919 | [Redact] | [Redact] | 37120638 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-08-05): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-05): business purpose |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10394920 | [Redact] | [Redact] | 37069084 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): collateral shipped via [Redacted] tracking ID [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10394920 | [Redact] | [Redact] | 37222336 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-08-20): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-19): Please find attached Business Purpose |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10394964 | [Redact] | [Redact] | 37069727 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): collateral shipped via [Redacted] tracking ID [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10394964 | [Redact] | [Redact] | 37411254 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-09-02): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-09-02): Please find attached Business purpose |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10396066 | [Redact] | [Redact] | 37079992 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-07): Collateral delivered on [Redacted] via [Redacted] tracking [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10396066 | [Redact] | [Redact] | 37145811 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10396066 | [Redact] | [Redact] | 37145823 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-08-06): Received Business purpose certificate. Exception cleared. Seller Comment (2026-08-06): Please see attached business purpose cert. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10396364 | [Redact] | [Redact] | 37081101 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-04): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral shipped via [Redacted] Tracking ID [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10396364 | [Redact] | [Redact] | 37364554 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Certificate. The copy in the file was not executed. | Reviewer Comment (2026-08-27): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-27): Please see attached Business Purpose Certs. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10396364 | [Redact] | [Redact] | 37365725 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 08/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10396365 | [Redact] | [Redact] | 37081171 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10396365 | [Redact] | [Redact] | 37203648 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not executed. | Reviewer Comment (2026-08-20): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-19): Please find attached Business Purpose |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10396367 | [Redact] | [Redact] | 37081277 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-14): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10396977 | [Redact] | [Redact] | 37090103 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-18): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-13): collateral delivered [Redacted] via [Redacted] tracking [Redacted] |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10397030 | [Redact] | [Redact] | 37091031 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10397030 | [Redact] | [Redact] | 37246838 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-08-20): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-19): Please see attached business purpose cert. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10397034 | [Redact] | [Redact] | 37091062 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-28): Collateral was delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10397311 | [Redact] | [Redact] | 37091705 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): collateral shipped via [Redacted] tracking [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10398754 | [Redact] | [Redact] | 37097135 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-13): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-12): The collateral was delivered [Redacted] at [Redacted] via [Redacted] trk#[Redacted]. |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10398799 | [Redact] | [Redact] | 37097960 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-04): (Rate Lock) [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10398799 | [Redact] | [Redact] | 37113048 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | The file is missing proof of the Universal Loan Identifier (ULI). | The file is missing proof of the Universal Loan Identifier(ULI). | Reviewer Comment (2026-08-06): ULI provided Seller Comment (2026-08-05): Attached [Redacted] Data documentation reflects the Universal Loan Identifier (ULI). Please Clear. |
08/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10398800 | [Redact] | [Redact] | 37097970 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-12): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-04): (Rate Lock) [Redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10398800 | [Redact] | [Redact] | 37113671 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an investor allowable total of $[Redacted](an overage of $[Redacted]or [Redacted]%). | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | Reviewer Comment (2026-08-03): Client elected to waive the condition on the Non-QM 1st lien |
08/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||
| [Redact] | 10400009 | [Redact] | [Redact] | 37103911 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-19): collateral shipped via [Redacted] Tracking ID [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401267 | [Redact] | [Redact] | 37105373 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-31): collateral shipped via [Redacted] Tracking ID [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401267 | [Redact] | [Redact] | 37386846 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-08-28): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-27): Please see the Business Purpose Certificate attached. |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401268 | [Redact] | [Redact] | 37105540 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-21): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-18): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401279 | [Redact] | [Redact] | 37106353 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-31): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-27): Collateral shipped via [Redacted] Tracking ID [Redacted], delivered [Redacted], [Redacted] at [Redacted] |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401279 | [Redact] | [Redact] | 37298580 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The commitment title report in file disclosed $[Redacted] of title insurance coverage; however, this is less than the loan amount of $[Redacted]. | 08/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401279 | [Redact] | [Redact] | 37309038 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-08-25): Received Business purpose certificate. Exception cleared. Seller Comment (2026-08-24): Please find attached Business Purpose |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401514 | [Redact] | [Redact] | 37106739 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-28): Collateral was delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401514 | [Redact] | [Redact] | 37345846 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not fully executed. | Reviewer Comment (2026-08-26): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-26): Please see attached Business Purpose Cert. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401514 | [Redact] | [Redact] | 37346106 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Business Purpose Certificate was not fully executed. | Reviewer Comment (2026-08-26): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-26): Please see attached Business Purpose Cert. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401523 | [Redact] | [Redact] | 37106807 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-28): Collateral was delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10401523 | [Redact] | [Redact] | 37300397 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose was not executed. | Reviewer Comment (2026-08-24): Received fully executed business purpose. Exception cleared. Seller Comment (2026-08-24): Please see attached business purpose cert. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10401523 | [Redact] | [Redact] | 37301319 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Business purpose was not executed. | Reviewer Comment (2026-08-24): Received fully executed business purpose. Exception cleared. Seller Comment (2026-08-24): Please see attached business purpose cert. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10315222 | [Redact] | 37113506 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease Agreement is missing for the property [Redacted] | Reviewer Comment (2026-07-15): Received rent analysis from [Redacted] also permitted in accordance with local ordinance along with Management company details and [Redacted] months bank statement reflecting evidence of receipt via Service Provider. Exception cleared. Buyer Comment (2026-07-14): Please see the [Redacted] month bank statements form business [Redacted] to document the STR. additionally see the attachment showing the deposits from [Redacted] is in fact a STR management company. Advise if this is sufficient to clear the exception Reviewer Comment (2026-07-13): Received Rent information document however For property [Redacted] As per guidelines Short-Term rental income is acceptable with [Redacted] months evidence of receipt via Service Provider payment history or bank statement deposits. - Exception Remains. Buyer Comment (2026-07-10): Short term rental income |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10315222 | [Redact] | 37113507 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | Informational [Redacted] | Buyer Comment (2026-06-22): Acknowledged non material |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | N/A | N/A | Yes | |||||||||
| [Redact] | 10367653 | [Redact] | 37113513 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 1. CPA Letter - The ownership percentage must be verified via a CPA/Tax Preparer, Operating Agreement or equivalent. 2. Telephone Listing / Internet Search / Directory Assistance - * CPA/Tax Preparer letter confirming the business is active and operating • Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts/recent bank statement activity • Business website demonstrating activity supporting current business operations (e.g., recently updated content or announcements, written confirmation from the lender that online scheduling, ordering or the business phone number is working). |
Reviewer Comment (2026-07-13): Captured CPA letter confirming ownership % and Telephone listing is within [Redacted] business days of Note date. - Exception Cleared. Buyer Comment (2026-07-10): The CPA letter is on [Redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10367653 | [Redact] | 37113516 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of the greater of [Redacted]% of the Original Loan Amount and $[Redacted]([Redacted]). FNMA Finance Charge total $[Redacted]on a Original Loan Amount of $[Redacted]vs. an allowable total of $[Redacted]and $[Redacted]([Redacted]) (an overage of $[Redacted]or [Redacted]%). | [Redacted] informational. | Buyer Comment (2026-07-08): Acknowledged non material |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | B | B | A | A | N/A | N/A | Yes | |||||||||
| [Redact] | 10319084 | [Redact] | 37113580 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report not in file for entity nor was entity referenced on the loan participant list. | Reviewer Comment (2026-06-12): Received Fraud report for the entity. Exception cleared. Buyer Comment (2026-06-11): Fraud Report |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10319084 | [Redact] | 37113582 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided | An experienced real estate investor must have a minimum of [Redacted] months ownership and management of income producing residential or commercial real estate within the past 24 months. | Reviewer Comment (2026-07-10): Borrower holds property "[Redacted] with ownership more than [Redacted] months. Exception Cleared. Buyer Comment (2026-07-08): Per Lender:[Redacted] PDR has been uploaded and been owned for [Redacted]months before the funding date of this loan. This should clear the investor experience guideline. Is there a reason we need to go back to get more proof the other property is an investment property? Reviewer Comment (2026-07-07): [Redacted] was purchased on [Redacted], which satisfies the [Redacted] -month investment property experience requirement. However, additional documentation is required to verify that [Redacted] is an investment property. Exception remains. Buyer Comment (2026-07-06): PDR Buyer Comment (2026-07-02): Per Lender: [Redacted] was purchased [Redacted] [Redacted] was purchased [Redacted] Reviewer Comment (2026-06-26): The provided property history report pertains to the subject property, indicating ownership only since [Redacted]. We require the property history report for other investment property owned by the borrower for a period exceeding [Redacted] months. Exception remains Buyer Comment (2026-06-24): PDR Reviewer Comment (2026-06-19): Received of Properties borrower owns however Unable to determine/verify if the property were owned by the property. Provide Property history report confirming since when were these properties owned by borrower. Exception remains. Buyer Comment (2026-06-17): Per Lender: [Redacted] was purchased [Redacted], &[Redacted] was purchased [Redacted] Both have [Redacted] mo ownership income-producing property Buyer Comment (2026-06-17): REO |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10319084 | [Redact] | 37113583 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing. | Reviewer Comment (2026-06-12): Received DSCR Calculation Worksheet. Exception cleared Buyer Comment (2026-06-11): DSCR Calculation |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10319084 | [Redact] | 37113585 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-07-10): Cleared. Buyer Comment (2026-07-08): Client accepts value |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10309148 | [Redact] | 37113587 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Properties where the insurance coverage on the declaration page does not cover the loan amount must have a cost estimate from the insurance company | Reviewer Comment (2026-07-10): Received HOI policy with dwelling coverage and email correspondence from insurance company for address clarification, meets guide requirement. Exception Cleared. Buyer Comment (2026-07-10): invoice - email explanation Buyer Comment (2026-07-08): invoice Reviewer Comment (2026-07-07): Received HOI policy with updated dwelling coverage but with incorrect address as "[Redacted]" Instead of "[Redacted]" also annual premium is missing on the policy. Provide Corrected policy with updated address and annual premium. Exception remains. Buyer Comment (2026-07-06): HOI |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10316677 | [Redact] | 37113588 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-06-26): Enhanced valuation has been conducted. Buyer Comment (2026-06-24): [Redacted] accepts value |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10316677 | [Redact] | 37113590 | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. | REO properties are given on Fraud report however unable to identify property type as investment therefore Experience Grid kept blank. | Reviewer Comment (2026-07-13): Property history report and Fraud report in file show the borrower has owned multiple properties for over [Redacted]months. Exception Cleared. Buyer Comment (2026-07-09): per Lender: All the [Redacted] in the file show the borrower has owned multiple properties for over [Redacted] months. and their mailing address is different which further proves they are investments. This was submitted during underwriting |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10263192 | [Redact] | 37113641 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-07-14): Received DSCR Calculation Worksheet. Exception Cleared. Buyer Comment (2026-07-14): DSCR Calc |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10263192 | [Redact] | 37113642 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Dec page reflects Business Income. Missing Rent Loss coverage amount. Guidelines require rent loss insurance covering a minimum of [Redacted] months is required for the subject property. | Reviewer Comment (2026-07-16): Received confirmation from the insurance carrier via email that the business income coverage corresponds to rent loss coverage. Exception Cleared. Buyer Comment (2026-07-15): email confirmation from agent that business income is rent loss coverage |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10318472 | [Redact] | 37113653 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Current Address - [Redacted] - Missing evidence of ownership and free & clear. | Reviewer Comment (2026-07-13): The tax bill, deed, and 1003 provided in the file indicate that the borrower's current residence at [Redacted] is owned free and clear, with no outstanding mortgage lien. Exception Cleared. Buyer Comment (2026-07-10): Tax Bill and Deed |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10357897 | [Redact] | 37113660 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance covering a minimum of [Redacted] months is required for the subject property. Dec page reflects Loss of Use not loss of rent. | Reviewer Comment (2026-07-20): Cleared. The loss of use was determined by giving [Redacted]% of the dwelling coverage per HOI letter. Reviewer Comment (2026-07-20): Rent Loss coverage is equivalent to Loss of Use coverage, the provided LOX still reflects only Loss of Use coverage and does not specifically mention Rent Loss. Exception remains. Buyer Comment (2026-07-17): per seller: Agent states Rent Loss is the same as Loss of use. nothing else they can provide. Buyer Comment (2026-07-17): insurance correspondence |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10363163 | [Redact] | 37113665 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-07-20): cleared Buyer Comment (2026-07-20): [Redacted] accepts value |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10403588 | [Redact] | [Redact] | 37124524 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-25): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10403588 | [Redact] | [Redact] | 37297125 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose was not executed. | Reviewer Comment (2026-08-24): Received fully executed business purpose. Exception cleared. Seller Comment (2026-08-24): Please see attached business purpose cert. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10403923 | [Redact] | [Redact] | 37124899 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-20): Waived on Rate Lock: Collateral cleared by Custodian |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10333281 | [Redact] | 37138595 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-23): Supplemental report provided with updated title policy loan amount, Associated the document in [Redacted]; Exception cleared. Buyer Comment (2026-06-22): supplement attached |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10286424 | [Redact] | 37138638 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Evidence of appraisal receipt not provided. | Reviewer Comment (2026-06-11): Appraisal Delivery provided in file, delivery date [Redacted], Exception cleared. Buyer Comment (2026-06-11): Page [Redacted] of the upload, document [Redacted] showing invoice contains an e-mail certificate confirming the appraisal delivery on [Redacted]. |
06/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10286424 | [Redact] | 37138639 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Loan is non-compliant HPML due to missing evidence of appraisal delivery three days prior to closing. | Reviewer Comment (2026-06-11): Appraisal Delivery provided in file, delivery date [Redacted], Exception cleared. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10286424 | [Redact] | 37138640 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Loan is non-compliant HPML due to missing evidence of appraisal delivery three days prior to closing. | Reviewer Comment (2026-06-11): Appraisal Delivery provided in file, delivery date [Redacted], Exception cleared. Buyer Comment (2026-06-11): Page [Redacted] of the upload, document [Redacted] showing invoice contains an e-mail certificate confirming the appraisal delivery on [Redacted]. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10286424 | [Redact] | 37138643 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Missing electronic consent. | Reviewer Comment (2026-06-11): E-sign Consent Agreement provided, Exception cleared. Buyer Comment (2026-06-11): Uploaded |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10286424 | [Redact] | 37138644 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing 1st and 2nd lien mortgage statements for REO located at [Redacted]. | Reviewer Comment (2026-06-11): Mortgage Statement for both mortgages provided, Exception cleared. Buyer Comment (2026-06-11): Uploaded |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333380 | [Redact] | 37138647 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-07-09): [Redacted] |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333380 | [Redact] | 37138648 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-07-09): Flood Certificate provided, Exception cleared. Buyer Comment (2026-07-08): attached |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10333380 | [Redact] | 37138649 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require [Redacted] or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require [Redacted] or more consecutive months bank statements. | Reviewer Comment (2026-07-09): [Redacted] |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333380 | [Redact] | 37138650 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-06-22): Rate lock confirmation is provided, Exception cleared. Buyer Comment (2026-06-19): Lock request attached |
06/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333380 | [Redact] | 37138651 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. | Missing Loan Estimate issued within 3 business days of application date. | Reviewer Comment (2026-06-22): [Redacted] received initial LE. Buyer Comment (2026-06-19): LE sent [Redacted], attached. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10333412 | [Redact] | 37138655 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Reviewer Comment (2026-06-23): Signed RESPA Affiliated Business Arrangement provided, Exception cleared. Buyer Comment (2026-06-22): Uploaded |
06/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333412 | [Redact] | 37138656 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $[Redacted]on the initial Loan Estimate but was disclosed as $[Redacted]on the final Closing Disclosure. A valid change of circumstance is not provided for the fee increase and no evidence of tolerance cure is provided. | Reviewer Comment (2026-06-19): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-18): Uploaded |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10333412 | [Redact] | 37138657 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the Appraisal Fee of $[Redacted] POC, plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan ($[Redacted]), and there are only no reserves verified. Shortage is due to unsourced deposit of deposit of $[Redacted] to [Redacted] Bank #[Redacted]on [Redacted]. | Reviewer Comment (2026-06-23): Source of funds for large deposit provided, Reserve requirement met, Exception cleared. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333412 | [Redact] | 37138658 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the Appraisal Fee of $[Redacted] POC, plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Therefore, the file does not contain sufficient asset documentation for closing funds. Shortage is due to unsourced deposit of deposit of $[Redacted] to [Redacted] Bank #[Redacted]on [Redacted]. | Reviewer Comment (2026-06-23): Source of funds for large deposit provided, Reserve requirement met, Exception cleared. Buyer Comment (2026-06-22): Uploaded |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333412 | [Redact] | 37138659 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to shortage of funds to close and reserves, resulting in a loan designation discrepancy. | Reviewer Comment (2026-06-23): Source of funds for large deposit provided, Reserve requirement met, Exception cleared. |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10333412 | [Redact] | 37138660 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to shortage of funds to close and reserves. | Reviewer Comment (2026-06-23): Source of funds for large deposit provided, Reserve requirement met, Exception cleared. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333412 | [Redact] | 37138661 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient cure provided at closing | Reviewer Comment (2026-06-19): Sufficient Cure Provided within [Redacted] Days of Closing |
06/19/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| [Redact] | 10365403 | [Redact] | 37138690 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-16): Title final provided with updated loan policy amount, Exception cleared. |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| [Redact] | 10365403 | [Redact] | 37138691 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-16): Title final provided with updated loan policy amount, Exception cleared. Buyer Comment (2026-07-15): Title |
07/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| [Redact] | 10405169 | [Redact] | [Redact] | 37139917 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10405169 | [Redact] | [Redact] | 37262878 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-08-20): Received Business purpose certificate. Exception cleared. Seller Comment (2026-08-19): Please see attached business purpose cert. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10405240 | [Redact] | [Redact] | 37140016 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-28): Collateral was delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10406584 | [Redact] | [Redact] | 37148508 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-04): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-03): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10406584 | [Redact] | [Redact] | 37379062 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-08-27): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-27): Business Purpose Certificate |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10406584 | [Redact] | [Redact] | 37379065 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-08-27): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-27): Please see the Business Purpose Certificate attached. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10406789 | [Redact] | [Redact] | 37149389 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-03): Waived on Rate Lock: Collateral cleared by Custodian |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10406789 | [Redact] | [Redact] | 37429659 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-09-03): Received fully executed business purpose cert. Exception cleared. Seller Comment (2026-09-03): Please see attached business purpose cert. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10407054 | [Redact] | [Redact] | 37150952 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): collateral shipped via [Redacted] trk#[Redacted]. Delivered [Redacted], [Redacted] at [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10407054 | [Redact] | [Redact] | 37326570 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate was not provided. | Reviewer Comment (2026-08-26): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-25): Please find attached Business Purpose |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10407054 | [Redact] | [Redact] | 37326572 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10409086 | [Redact] | [Redact] | 37167036 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10410654 | [Redact] | [Redact] | 37173751 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-27): collateral will be shipped out tonight via [Redacted] trk#[Redacted].Delivered [Redacted], [Redacted] at [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10410654 | [Redact] | [Redact] | 37348680 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide Right to Receive a Copy appraisal disclosure to applicant within three business days of application or determination of first lien status. | Reviewer Comment (2026-08-27): Received Loan Estimate. Exception cleared. Seller Comment (2026-08-27): Please find attached LE page [Redacted] provides notice to the borrower that we will promptly give a copy of any appraisal, even if your loan does not close |
08/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | ||||||||||
| [Redact] | 10410654 | [Redact] | [Redact] | 37348682 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file was missing a copy of a fully executed Business Purpose Certificate. | Reviewer Comment (2026-08-27): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-27): Please find Business purpose attached |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | B | A | A | A | N/A | No | |||||||||||
| [Redact] | 10410696 | [Redact] | [Redact] | 37175273 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-26): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): collateral shipped via [Redacted] tracking [Redacted]. Delivered [Redacted], [Redacted] at [Redacted] |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10410696 | [Redact] | [Redact] | 37281485 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Fully executed Business Purpose Certificate not provided for the second guarantor, .[Redact]. | Reviewer Comment (2026-08-21): Received fully executed business purpose certificate. Exception cleared. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10410696 | [Redact] | [Redact] | 37281488 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided for the second guarantor, .[Redact]. | Reviewer Comment (2026-08-21): Received fully executed business purpose certificate. Exception cleared. Seller Comment (2026-08-21): Please find attached Business Purpose |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10410694 | [Redact] | [Redact] | 37175696 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-27): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-24): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10410694 | [Redact] | [Redact] | 37281800 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose certificate was not executed. | Reviewer Comment (2026-08-20): Fully executed business purpose was provided. Exception cleared. Seller Comment (2026-08-20): Please see attached Business Purpose Cert |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10410705 | [Redact] | [Redact] | 37177002 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-01): Waived on Rate Lock: Collateral cleared by Custodian |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10410705 | [Redact] | [Redact] | 37320434 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10410705 | [Redact] | [Redact] | 37320435 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10411951 | [Redact] | [Redact] | 37186555 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | A | A | A | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10412065 | [Redact] | [Redact] | 37187107 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-18): (Rate Lock) [Redacted] |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10412067 | [Redact] | [Redact] | 37187134 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-08-19): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-18): (Rate Lock) [Redacted] |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10412067 | [Redact] | [Redact] | 37204431 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10417284 | [Redact] | [Redact] | 37194779 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10417284 | [Redact] | [Redact] | 37382280 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Fully executed Business Purpose Certificate not provided. | Reviewer Comment (2026-08-28): Received fully executed business purpose.Exception Cleared. Seller Comment (2026-08-28): Please see the Business Purpose Certificate attached. |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10417284 | [Redact] | [Redact] | 37389831 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in file was not executed. | Reviewer Comment (2026-08-28): Received fully executed business purpose. Exception Cleared. Seller Comment (2026-08-28): Please see the Business Purpose Certificate attached. |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10357842 | [Redact] | 37196539 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | 442 Document was not found in file. | Reviewer Comment (2026-06-01): Photos of the installation of the smoke detectors available. Verified document and Exception cleared. Buyer Comment (2026-05-27): Photos of the installation of the smoke detectors were provided in the initial shipping package Doc ID [Redacted] pages [Redacted]- [Redacted]. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | N/A | No | |||||||||||||
| [Redact] | 10418511 | [Redact] | [Redact] | 37199397 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-02): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-26): (Rate Lock) [Redacted] |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10418511 | [Redact] | [Redact] | 37235547 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-08-14): Sufficient Cure Provided within 60 Days of Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10418511 | [Redact] | [Redact] | 37235549 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Compliance Audit / Quality Control Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-08-14): Sufficient Cure Provided within 60 Days of Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10288707 | [Redact] | 37202667 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report not in file for entity nor was entity referenced on the loan participant list. | Reviewer Comment (2026-06-10): Received Fraud report for the entity. Exception cleared. Buyer Comment (2026-06-08): Fraud Report |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10288707 | [Redact] | 37202668 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate required as per guide. | Reviewer Comment (2026-07-06): BPC received with the initials of the borrower and Notarised. Exception Cleared. Buyer Comment (2026-07-01): BPA Reviewer Comment (2026-06-12): Received BPC without the initials of the borrower and Notary. Provide Business Purpose Certificate with initials on page [Redacted] stating "the property is not and will be occupied by me or any family member" along with notary. Exception remains. Buyer Comment (2026-06-11): LOE |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202669 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | An unexpired executed lease is required for all units at the time of closing for refinance transaction. | Reviewer Comment (2026-06-10): Received Lease agreement for the subject property. Exception Cleared. Buyer Comment (2026-06-08): Lease |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202671 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by $[Redacted]. As per guide - Properties where the insurance coverage on the declaration page does not cover the loan amount must have a cost estimate from the insurance company or agent evidencing the property is insured for its replacement cost. | Reviewer Comment (2026-06-22): Received Updated HOI with premium. Exception cleared. Buyer Comment (2026-06-21): Updated HOI w/premium included Reviewer Comment (2026-06-15): Received HOI policy with updated dwelling coverage however without the premium amount. Provide complete policy with Dwelling coverage and Premium amount. Exception remains. Buyer Comment (2026-06-11): HOI |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202672 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing required for "[Redacted]" | Reviewer Comment (2026-06-10): Received Certificate of Good Standing required for "[Redacted]". Exception cleared. Buyer Comment (2026-06-08): COGS |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202673 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization/Business purpose missing in file and is required as per guide. | Reviewer Comment (2026-06-15): Lox for cash out refinance received. Exception Cleared. Buyer Comment (2026-06-11): LOE |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202674 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | The loan closed under a business entity, but the required personal guarantee agreement is missing. A signed Guarantor Agreement must be executed for "[Redacted]" by the designated guarantor. | Reviewer Comment (2026-06-12): Received Guarantor Agreement. Exception cleared. Buyer Comment (2026-06-11): Guaranty |
06/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202675 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet |
Reviewer Comment (2026-06-10): Received DSCR Calculation Worksheet. Exception cleared. Buyer Comment (2026-06-08): DSCR Calculation |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10288707 | [Redact] | 37202676 | Credit | Guideline | Guideline Issue | Guideline | DSCR does not meet guideline requirements. | As per guide - The employment and income section of the loan application should not be completed. income disclosed $[Redacted]and numerous other IRS documents reflecting other rental income was noted in file. | Reviewer Comment (2026-06-18): Received corrected 1003 with employment and income section not updated. Exception Cleared. Buyer Comment (2026-06-16): 1003 Reviewer Comment (2026-06-12): Received 1003 with Section 1b Current employment Updated as [Redacted] rentals. As per guide - The employment and income section of the loan application should not be completed. Provide Updated 1003 with Section 1b Current employment to be left blank. Exception remains. Buyer Comment (2026-06-11): 1003 Reviewer Comment (2026-06-10): As per guide, The employment and income section of the loan application should not be completed. Received 1003 with Section 1B Current employment section updated. provide corrected 1003 with Section 1b left blank income should not be updated. Exception remains. Buyer Comment (2026-06-08): 1003 |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10345930 | [Redact] | 37202699 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-06-29): Accepted per [Redacted] |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10345930 | [Redact] | 37202700 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing Protection Letter is missing in file. | Reviewer Comment (2026-06-29): Received Closing Protection Letter. Exception cleared. Buyer Comment (2026-06-26): CPL |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10345930 | [Redact] | 37202701 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-06-29): Received DSCR Calculation Worksheet. Exception cleared. Buyer Comment (2026-06-26): dscr calc |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10345930 | [Redact] | 37202702 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided | An experienced real estate investor must have a minimum of [Redacted] months ownership and management of income producing residential or commercial real estate within the past 24 months. | Reviewer Comment (2026-07-16): [Redacted] identified as last sold [Redacted], vested under [Redacted]. Lease is to management company in care of. Reviewer Comment (2026-07-15): The lease agreement for [Redacted] has been provided. However, we require a property history report or other supporting documentation confirming that the borrower has owned/held the property for more than [Redacted] months. Please provide the relevant documents for verification. Exception remains. Buyer Comment (2026-07-14): lease agreement Reviewer Comment (2026-07-09): The documents provided indicate that the borrower owns multiple properties; however, the property type of the property cannot be clearly identified as an investment property. Please provide a copy of the lease agreement or any additional supporting documentation confirming that the property is held as an investment property and has been owned by the borrower for more than 12 months. Exception remains. Buyer Comment (2026-07-07): reo |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10345930 | [Redact] | 37202703 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report not in file for entity nor was entity referenced on the loan participant list. | Reviewer Comment (2026-07-13): Received Fraud report with Borrower entity as a participant on the watch list. Exception cleared. Buyer Comment (2026-07-10): fraud rpt Reviewer Comment (2026-06-29): Fraud report provided is missing comparison of all participant names against industry watch and exclusionary lists. Provide a third-party report ([Redacted] or similar) to identify any information discrepancies and indications of possible fraudulent activity. The report should include a comparison of all participant names against industry watch and exclusionary lists such as OFAC. Exception remains. Buyer Comment (2026-06-26): ofac Buyer Comment (2026-06-26): fraud rpt |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10345930 | [Redact] | 37202705 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Per guidelines, On the credit report date, the existing mortgage(s) must be current, which means that no more than [Redacted] days have elapsed since the last paid installment date. Missing [Redacted] payment for [Redacted] Bank #[Redacted]. | Reviewer Comment (2026-07-13): Received Credit supplement confirming [Redacted] #[Redacted] is paid until [Redacted]. Exception Cleared. Buyer Comment (2026-07-10): credit supp may payment next due [Redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10345930 | [Redact] | 37202706 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Representative FICO score of [Redacted] is less than Guideline representative FICO score of [Redacted]. Per guidelines, For multiple borrowers the credit score is the lowest of all representative credit scores. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redact] | Reviewer Comment (2026-07-17): Exception provided. Buyer Comment (2026-07-17): Exception from [Redacted]. Reviewer Comment (2026-07-02): Representative FICO score of [Redacted] is less than Guideline representative FICO score of [Redacted]. Provided credit report is for borrower "[Redacted]" However the lowest Fico score of [Redacted] is for another borrower "[Redacted]" which is used to calculate the lowest of all representative credit scores. Exception remains. Buyer Comment (2026-06-30): credit report |
07/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | No | |||||||||
| [Redact] | 10326619 | [Redact] | 37202708 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided | An experienced real estate investor must have a minimum of [Redacted] months ownership and management of income producing residential or commercial real estate within the past 24 months. | Reviewer Comment (2026-07-22): We have received the Signed copy of Operating Agreement and Corporate Resolution for [Redacted] which confirms that prop [Redacted] " and "[Redacted]" are owned for more than [Redacted] months. Exception Cleared. Buyer Comment (2026-07-20): Deed for [Redacted] demonstrates that the LLC has owned the property for more than [Redacted] months Buyer Comment (2026-07-20): signed operating agreement Reviewer Comment (2026-07-15): We have received the Operating Agreement and Corporate Resolution for [Redacted]; however, both documents are unsigned. Please provide fully executed (signed) copies of these documents. Additionally, please provide a lease agreement or other supporting documentation demonstrating that the property has been owned by the borrower for at least 12 months and confirming its investment property occupancy status. Exception remains. Buyer Comment (2026-07-14): operating agreement Reviewer Comment (2026-07-09): Received Certificate of Formation for "[Redacted]" and "[Redacted]". However the document does not confirms who owns the LLC. Secondly Neither there is an evidence to confirm the owner of the Properties Located at "[Redacted]" and [Redacted]". Exception remains. Buyer Comment (2026-07-07): [Redacted] Reviewer Comment (2026-07-01): Received LOX from borrower confirming 2 REO's that the borrower has investor experience. However Unable to determine if these properties were investment properties and unable to confirm if they are owned by borrower. Fraud report does not reflects these properties. Provide supporting document that confirms borrower owns these properties and document that confirms the occupancy as investments. Exception remains. Buyer Comment (2026-06-30): LOX from borrower |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10360856 | [Redact] | 37202709 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-07-20): Cleared Buyer Comment (2026-07-20): [Redacted] accepts value |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10360856 | [Redact] | 37202710 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Missing evidence of [Redacted] payment for account [Redacted] Bank# [Redacted] and [Redacted] Bank #[Redacted] | Reviewer Comment (2026-07-20): Credit supplement received which reflects payments till [Redacted] for both [Redacted]# [Redacted] and [Redacted] #[Redacted]. Exception Cleared. Buyer Comment (2026-07-17): Credit Supplement |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10360856 | [Redact] | 37202711 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Provide updated fraud report reflecting entity included as a participant in industry watch and exclusionary lists. | Reviewer Comment (2026-07-20): Received updated fraud report reflecting entity name included as a participant in industry watch and exclusionary lists. Exception Cleared. Buyer Comment (2026-07-17): Fraud Report |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10360856 | [Redact] | 37202713 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding ADUs. | Guidelines require at least 2 comparable properties with similar ADU's. Appraisal only reflects [Redacted] comp with an ADU. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
[Redact] [Redact] |
Reviewer Comment (2026-07-28): Appraisal provided with additional similar comp. Investor accepts appraisal. Buyer Comment (2026-07-24): Revised Appraisal Buyer Comment (2026-07-24): Per [Redacted]: [Redacted] has already reviewed the appraisal and accepts the appraisal. |
07/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10366094 | [Redact] | 37202719 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Track Record Report not provided | An experienced real estate investor must have a minimum of 12 months ownership and management of income producing residential or commercial real estate within the past 24 months. | Reviewer Comment (2026-07-13): As per the lease agreement, the property located at [Redacted] was leased from [Redacted] through [Redacted]. This demonstrates that the property was held as an [Redacted] and satisfies the guideline requirement of a minimum 12-month investment ownership period. Exception Cleared. Buyer Comment (2026-07-09): per seller: Please note these documents were provided in the uploaded initial package. Lease agreement for the rented [Redacted], Mortgage Statements and Property Profile, evidencing length of ownership for the [Redacted] property. This documentation should satisfy both landlord history and track record requirements. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366094 | [Redact] | 37202720 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | 12 months payments required for subject property | Reviewer Comment (2026-07-22): Received payment proof for [Redacted] and [Redacted] for subject property. Exception Cleared. Buyer Comment (2026-07-20): [Redacted] and [Redacted] pmts Reviewer Comment (2026-07-16): Only months required for payment proof is [Redacted] and [Redacted]. Buyer Comment (2026-07-16): FYI: The subject was purchased [Redacted], we need proof of the mortgage payments from [Redacted] for [Redacted] & [Redacted] payment . Note date [Redacted]. [Redacted] month history is not available as the subject wasn't owned for [Redacted] months Reviewer Comment (2026-07-13): Lox and Lease agreement provided in file is for the borrower's current residence [Redacted]. We would require [Redacted] months housing history for the borrower subject property "[Redacted]" Exception remains. Buyer Comment (2026-07-10): Occupancy LOX, Residency Letter, and Previous Lease. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366094 | [Redact] | 37202721 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-07-14): Cleared Buyer Comment (2026-07-10): [Redacted] accepts value |
07/14/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||||
| [Redact] | 10327910 | [Redact] | 37202743 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted].Coverage must meet FNMA requirements, Missing Replacement Cost Estimator. | Reviewer Comment (2026-07-28): A Replacement Cost Estimator was received and is sufficient to satisfy the requirement. Exception cleared. Buyer Comment (2026-07-27): RCE Reviewer Comment (2026-07-17): Noted. received email correspondence from insurance company stating Replacement cost optional coverage applies. Provide revised policy or an email confirmation from insurance company regarding what amount above the dwelling is the extended replace to be considered. Current dwelling is less than the Loan Amount. Exception remains. Buyer Comment (2026-07-16): Insurer Email Buyer Comment (2026-07-16): LOE |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10327910 | [Redact] | 37202744 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing in file. | Reviewer Comment (2026-07-22): Received Guarantor Agreement. Exception cleared. Buyer Comment (2026-07-21): Guaranty |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10327910 | [Redact] | 37202745 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-07-20): Cleared Buyer Comment (2026-07-20): [Redacted] accepts value |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10357735 | [Redact] | 37202750 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Provided fraud report does not list Entity in Watchlist. The report should include a comparison of all participant names against industry watch and exclusionary lists. |
Reviewer Comment (2026-07-23): Received updated fraud report reflecting entity ("[Redacted]") included as a participant in industry watch and exclusionary lists. Exception Cleared. Buyer Comment (2026-07-22): Revised DV Report Reviewer Comment (2026-07-14): Received Fraud report with borrower name as "[Redacted]" Instead of "[Redacted]". Provide corrected fraud report with updated borrower name on page [Redacted] and on the watchlist as "[Redacted]". Exception remains. Buyer Comment (2026-07-14): Fraud Report - Entity Name Added |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10357735 | [Redact] | 37202752 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Require updated HOI for the subject transaction as the provided HOI does not list the subject premium. Total premium $[Redacted]. Unable to determine if the policy is split evenly between properties. | Reviewer Comment (2026-07-14): Received HOI Policy confirming all [Redacted] units and Blanket premium in the amount of $[Redacted] which is $[Redacted] per unit. All [Redacted] units mentioned on the policy along with rent loss. Exception Cleared. Buyer Comment (2026-07-13): PER LENDER - Please waive this condition, the commercial policy has blanket coverage for all [Redacted] units. Waive/cancel this condition, blanket coverage is showing on Commercial Master Policy |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10324653 | [Redact] | 37202753 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Provide updated fraud report reflecting entity included as a participant in industry watch and exclusionary lists. | Reviewer Comment (2026-07-22): Received Fraud report for borrower entity as a participant in the watchlist. Exception cleared. Buyer Comment (2026-07-21): fraud report Reviewer Comment (2026-07-17): Received Fraud report for the borrower. However Exception was raised to provide Fraud report for the borrower entity ([Redacted]). The report should include entity name as a participant name against industry watch and exclusionary lists. Exception remains. Buyer Comment (2026-07-17): fraud rpt Buyer Comment (2026-07-17): ofac |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | No | |||||||||||
| [Redact] | 10324653 | [Redact] | 37202755 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | Bylaws required for "[Redacted]" | Reviewer Comment (2026-07-27): Bylaws received for [Redacted]. Additionally, the Process Certification confirms that, under U.S. corporate governance practices, corporate bylaws generally do not need to be signed to be considered valid, provided they have been properly adopted and maintained in the corporation's records. Exception Cleared. Buyer Comment (2026-07-23): processor cert Reviewer Comment (2026-07-22): Received Unsigned Bylaws for the Corp. Provide Signed and executed Bylaws for the Corp. Exception remains. Buyer Comment (2026-07-21): By laws Reviewer Comment (2026-07-15): Received Unanimous Consent of Sole Shareholder. However required Complete signed and executed bylaws for the corporation. Exception remains. Buyer Comment (2026-07-15): articles of incorporation and EIN |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10324653 | [Redact] | 37202756 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing required for "[Redacted]" | Reviewer Comment (2026-07-15): Received Certificate of Good Standing. Exception cleared. Buyer Comment (2026-07-15): cert of good standing |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10324653 | [Redact] | 37202757 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The provided Note document is not signed by the borrower. Please provide an updated Note containing the borrower's signature. | Reviewer Comment (2026-07-15): Received signed and executed Note. Exception cleared. Buyer Comment (2026-07-14): Signed Note |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10324653 | [Redact] | 37202758 | Credit | Guideline | Guideline Issue | Guideline | Enhanced diligence review is being conducted on this loan. | Reviewer Comment (2026-07-20): Cleared Buyer Comment (2026-07-20): [Redacted] accepts value |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10339294 | [Redact] | 37202760 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Missing: The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval or a DSCR Calculation Worksheet. |
Reviewer Comment (2026-07-20): DSCR calculation worksheet received. DSCR: [Redacted]/[Redacted]= [Redacted]. Exception Cleared. Buyer Comment (2026-07-17): 1008 |
07/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | A | A | A | A | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10362102 | [Redact] | 37202772 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate available is not signed hence require updated Business Purpose Certificate. | Reviewer Comment (2026-07-23): Received Signed and executed Business Purpose Certificate. Exception cleared. Buyer Comment (2026-07-22): BPC |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10362102 | [Redact] | 37202773 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing. | Reviewer Comment (2026-07-23): Received Signed Guarantor Agreement. Exception Cleared. Buyer Comment (2026-07-22): Guarantor Agreement |
07/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10362102 | [Redact] | 37202774 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Prepayment Penalty - Business Entity | [Redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [Redacted]under [Redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | Buyer Comment (2026-07-17): Acknowledged non-material EV2 |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10380710 | [Redact] | 37202783 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. | Closing Protection Letter is missing in file. | Reviewer Comment (2026-07-24): CPL received for the subject property exception Cleared. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10380710 | [Redact] | 37202784 | Credit | Guideline | Guideline Issue | Guideline | Flood Insurance was not escrowed. | Flood policy is for $[Redacted] and appears to be paid by HOA (master policy). But CD reflects borrower is escrowing for the master policy and first payment letter also includes this premium. Review did not include this in DSCR calculations as it is master policy. Is this borrower policy for subject loan? DSCR calculations subject to further review. IF Master policy CD should be revised as borrower just paid the Master policy at closing? Is first payment letter correct? | Reviewer Comment (2026-07-28): Removed paid by master. Buyer Comment (2026-07-27): removed paid by master Reviewer Comment (2026-07-24): Exception still remains. Buyer Comment (2026-07-23): CPL |
07/28/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10382207 | [Redact] | 37202788 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Provide updated fraud report reflecting entity included as a participant in industry watch and exclusionary lists. | Reviewer Comment (2026-07-27): Received fraud report for the entity. Exception cleared. Buyer Comment (2026-07-24): Fraud Report |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | No | |||||||||||
| [Redact] | 10382207 | [Redact] | 37202790 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Require revised Note document as few Pages from Note Document are missing. | Reviewer Comment (2026-07-24): Received revised Note document and Note addendum reflecting all the required pages. Exception Cleared. Buyer Comment (2026-07-22): Note |
07/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10382176 | [Redact] | 37202791 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing in file for [Redacted], an [Redacted]. | Reviewer Comment (2026-07-27): Received updated fraud report reflecting entity included as a participant in industry watch and exclusionary lists. Exception Cleared. Buyer Comment (2026-07-24): updated fraud report |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | No | |||||||||||
| [Redact] | 10382176 | [Redact] | 37202793 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | The 3rd page in the Note document is missing; therefore, the document was marked as missing. Additionally, the late charge details were updated based on the Loan Estimate. | Reviewer Comment (2026-07-27): Received the updated Note document for the subject property, which includes all required pages. Exception Cleared. Buyer Comment (2026-07-24): Note |
07/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10382176 | [Redact] | 37202794 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Page [Redacted] of the security instrument is missing. | Reviewer Comment (2026-07-27): Received the updated Security Instrument for the subject property, which includes all required pages. Exception cleared. Buyer Comment (2026-07-24): attached DOT. |
07/27/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10382176 | [Redact] | 37202795 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Provide the tax calculation used by the lender. | Reviewer Comment (2026-07-27): Tax Certificate received for the subject property. Exception Cleared. Buyer Comment (2026-07-24): Tax Cert |
07/27/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10366075 | [Redact] | 37202797 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | An unexpired executed lease is required for all units at the time of closing except for purchase transactions where there is no existing lease or the existing lease is not assigned. |
Reviewer Comment (2026-07-27): Active lease agreement provided for the subject property. Exception Cleared. Buyer Comment (2026-07-24): Lease agreement |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10366075 | [Redact] | 37202798 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. | Missing Closing Protection Letter. | Reviewer Comment (2026-07-27): Closing Protection Letter received for the subject property. Exception Cleared. Buyer Comment (2026-07-24): CPL |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10366075 | [Redact] | 37202800 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate is missing in file. | Reviewer Comment (2026-07-27): Business Purpose Certificate received. Exception Cleared. Buyer Comment (2026-07-24): Business Purpose Affidavit |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10419265 | [Redact] | [Redact] | 37206222 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-01): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-08-31): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10419265 | [Redact] | [Redact] | 37359711 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | 08/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10420776 | [Redact] | [Redact] | 37214781 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-04): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral delivered on [Redacted] via [Redacted] tracking number [Redacted] |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10420776 | [Redact] | [Redact] | 37346690 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | The file is missing a copy of the fully executed Business Purpose Cert. The copy in the file was not executed. | Reviewer Comment (2026-08-26): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-26): Please see attached Business Purpose Cert. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10422083 | [Redact] | [Redact] | 37223107 | Credit | Collateral | Missing/Incorrect | Collateral | Mortgage note not yet reviewed or approved by custodian. If applicable, please provide tracking number for delivery of collateral file. | Buyer Comment (2026-09-03): Waived on Rate Lock: Collateral cleared by Custodian Seller Comment (2026-09-02): Collateral shipped via [Redacted] Tracking ID [Redacted], Delivered [Redacted], [Redacted] at [Redacted] |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10422083 | [Redact] | [Redact] | 37329565 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business purpose was not executed. | Reviewer Comment (2026-08-25): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-25): Please find attached Business purpose |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10379256 | [Redact] | 37313340 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10379256 | [Redact] | 37313341 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | 08/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10379234 | [Redact] | 37270917 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Reviewer Comment (2026-08-26): Revised dec page provided, updating the effective and expiration date Seller Comment (2026-08-25): Updated H06 uploaded for review. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10379234 | [Redact] | 37271106 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | 08/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10379273 | [Redact] | 37289491 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten percent fee tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus 10% or $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10333389 | [Redact] | 37336625 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal dated [Redacted], is missing evidence of receipt 3 business days prior to consummation. | Reviewer Comment (2026-06-25): Appraisal waiver provided, Exception cleared. Buyer Comment (2026-06-23): uploaded Reviewer Comment (2026-06-18): Provide appraisal delivery receipt dated after appraisal report date of [Redacted], Exception remains. Buyer Comment (2026-06-17): in closing package uploaded |
06/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333389 | [Redact] | 37336626 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Reviewer Comment (2026-06-19): Signed Affiliated Business Arrangement Disclosure provided, Exception cleared. Buyer Comment (2026-06-18): uploaded |
06/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333389 | [Redact] | 37336629 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal delivery in file [Redacted] dated [Redacted] after note date [Redacted]. Provide appraisal receipt on [Redacted]. | Reviewer Comment (2026-06-25): Received proof of delivery. Buyer Comment (2026-06-25): notary date is [Redacted]. closing is defined as the later of the Note Date or Notary Date. please waive. |
06/25/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||||||
| [Redact] | 10333409 | [Redact] | 37336630 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing was provided. | Reviewer Comment (2026-07-01): Appraisal receipt dated [Redacted] has been captured. Exception cleared. Buyer Comment (2026-06-30): Uploaded |
07/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333409 | [Redact] | 37336632 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-07-01): Initial Escrow Account Disclosure has been uploaded. Exception cleared. Buyer Comment (2026-06-30): Uploaded |
07/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333409 | [Redact] | 37336634 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing documentation required to support use of restricted stock unit income to qualify. [Evidence stock is publicly traded; Current vesting schedule reflecting past and future vesting; [Redacted]-day moving average stock price; and brokerage or bank statement showing receipt of previous year(s) distribution of restricted stock and, at a minimum, the number of vested shares or cash equivalent.] | Reviewer Comment (2026-07-01): Vesting schedule & restricted stock agreement has been captured. Exception cleared. Buyer Comment (2026-06-30): Uploaded |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333409 | [Redact] | 37336635 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing documentation required to support use of restricted stock unit income to qualify. [Evidence stock is publicly traded; Current vesting schedule reflecting past and future vesting; [Redacted]-day moving average stock price; and brokerage or bank statement showing receipt of previous year(s) distribution of restricted stock and, at a minimum, the number of vested shares or cash equivalent.] | Reviewer Comment (2026-07-01): Vesting schedule & restricted stock agreement has been captured. Exception cleared. Buyer Comment (2026-06-30): Uploaded |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333409 | [Redact] | 37336636 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to missing documentation pertaining to RSU income, resulting in a loan designation discrepancy. | Reviewer Comment (2026-07-01): Vesting schedule & restricted stock agreement has been captured. Exception cleared. |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10333409 | [Redact] | 37336637 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing documentation pertaining to RSU income. | Reviewer Comment (2026-07-01): Vesting schedule & restricted stock agreement has been captured. Exception cleared. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333409 | [Redact] | 37336638 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing documentation pertaining to RSU income. | Reviewer Comment (2026-07-01): Vesting schedule & restricted stock agreement has been captured. Exception cleared. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333369 | [Redact] | 37336642 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan ($[Redacted]), and there are only [Redacted] months of reserves verified ($[Redacted]). | Reviewer Comment (2026-07-22): Due to change in guides, Matrix to be used is [Redacted] that states reserves used are to be [Redacted] months, File consists of sufficient reserves; Exception cleared. Buyer Comment (2026-07-21): the new guidelines were in effect that no longer required the additional [Redacted] months reserves for each additional financed property. These guidelines went into effect on [Redacted] and we did not fund until [Redacted], so we should be good. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10333369 | [Redact] | 37336643 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall finding due to shortage of reserves, resulting in a loan designation discrepancy. | Reviewer Comment (2026-07-22): Due to change in guides, Matrix to be used is [Redacted] that states reserve used are to be [Redacted] months, File consists of sufficient reserves; Exception cleared. |
07/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10333369 | [Redact] | 37336644 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to shortage of reserves. | Reviewer Comment (2026-07-22): Due to change in guides, Matrix to be used is [Redacted] that states reserve used are to be [Redacted] months, File consists of sufficient reserves; Exception cleared. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10365405 | [Redact] | 37336649 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? was entered Yes. Unable to determine qualification without this information. | - | The borrower stated on the application that they are opening new credit; a corrected 1003 was not provided. | Reviewer Comment (2026-07-30): Received the corrected 1003. Reviewer Comment (2026-07-29): The trailing 1003 provided still indicates in section 5D.2, The borrower is applying for new trade lines not included on this application. Buyer Comment (2026-07-28): final 1003 |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333400 | [Redact] | 37336714 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-07-08): EV1. |
07/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10333400 | [Redact] | 37336715 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation not provided. | Reviewer Comment (2026-07-08): Operating Agreement associated as an alternative document for Articles of Organization/Formation, Exception cleared. Buyer Comment (2026-07-07): Guidelines show: Entity Articles of organization, Partnership, and Operating agreements, IF ANY. There is no articles of organization, but you have the Operating agreement. Please clear. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10333400 | [Redact] | 37336716 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing not provided. | Reviewer Comment (2026-07-08): Certificate of Good Standing provided, Exception cleared Buyer Comment (2026-07-07): Uploaded |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10333400 | [Redact] | 37336717 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement not provided. | Reviewer Comment (2026-07-08): Operating Agreement provided, Exception cleared Buyer Comment (2026-07-07): Uploaded |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10358821 | [Redact] | 37404086 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was provided. Waiver provided [Redacted]. Appraisal report date [Redacted]. | Buyer Comment (2026-06-01): Acknowledged non material [Redacted] Reviewer Comment (2026-06-01): Received appraisal receipt from date [Redacted] and Appraisal report date as [Redacted]. Evidence of appraisal delivery was before the appraisal report. Provide prior appraisal report dated on or before [Redacted]. Exception remains. Buyer Comment (2026-05-29): Appraisal receipt form |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10358821 | [Redact] | 37404087 | Compliance | Compliance | Federal Compliance | TRID | TRID Post Close Closing Disclosure Evidence Principal Reduction Applied to Loan | Principal reduction not applied to tolerance cure due to missing evidence of applying principal reduction to the loan. | Principal reduction applied post close [Redacted]. Missing evidence of reduction | Reviewer Comment (2026-06-01): [Redacted] received proof of principal reduction application. Buyer Comment (2026-05-29): Pay History, LOE and PCCD |
06/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Second Home | Purchase | Informational / non-material exception indicating principal reduction reflected on a PCCD twas applied to cure TRID fee tolerance violation(s). | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| [Redact] | 10358821 | [Redact] | 37404088 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower. | Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-05-22): Sufficient Cure Provided within [Redacted] Days of Closing |
05/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10358854 | [Redact] | 37404089 | Property | Valuation | Valuation Issue | Valuation | [Redacted] program guidelines require a CDA (Desk Review) | The file is missing a copy of the secondary valuation required for securitization purposes. Collateral Desktop Analysis (CDA(r)) or Appraisal Risk Review (ARR) is required on all loan transactions that don't include 2 appraisals. | Reviewer Comment (2026-06-01): Received CDA supporting appraisal value. Exception cleared. Buyer Comment (2026-05-29): cda |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | B | C | A | C | B | C | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10358854 | [Redact] | 37404094 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | [Redacted]. - Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to [Redacted] purchase is required with one of the following: Acceptable third-party sources include: - CPA. - Regulatory agency. - Applicable licensing bureau. - Internet listings are not acceptable as a source of business verification. |
Reviewer Comment (2026-06-04): Received CPA letter dated [Redacted] which is within [Redacted] business days of the Note Date confirming business is active and operational and in good standing. Exception cleared. Buyer Comment (2026-06-03): VOE Reviewer Comment (2026-05-29): Received CPA letter dated[Redacted] which is more than [Redacted] business days prior to the Note Date. Verification document like CPA Letter, Regulatory agency and Applicable licensing bureau document should not be more than [Redacted] business days prior to the Note Date, or after the Note Date but prior to [Redacted] purchase. Exception remains. Buyer Comment (2026-05-28): CPA letter |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | B | C | A | C | B | C | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10358854 | [Redact] | 37404095 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | As per 1003, the subject property is being refinanced simultaneously. We have obtained the mortgage statement for Account [Redacted] reflecting a balance/payment of $[Redacted], which is marked as paid off. (missing proof account is PIF) However, we are currently missing the mortgage details for the simultaneous refinance loan under [Redact] Account [Redacted], to confirm the PITIA information, which the lender has considered as ($[Redacted]+ $[Redacted]) $[Redacted]. Missing HOA dues of $[Redacted]per month. | Reviewer Comment (2026-06-10): Received Appraisal 1073 confirm monthly HOA for property "[Redacted]". Exception cleared. Buyer Comment (2026-06-09): appraisal with the HOA amount of $[Redacted] Reviewer Comment (2026-06-05): Noted. Evidence of $[Redacted] is required because the Final CD ([Redacted]) for the property "[Redacted]" reflects mortgage payments (PITI) as $[Redacted] However Total of Taxes, insurance and associated on final CD reflects as $[Redacted] ($[Redacted] - $[Redacted] = $[Redacted]). Provide supporting document to support the $[Redacted] payment. Exception remains. Buyer Comment (2026-06-03): per seller: Please be advised that the mentioned property is showing a cash flow , please advise why do we still need evidence for $[Redacted]. Reviewer Comment (2026-06-02): Noted. We have received the master policy and no HO6 is required however Final 1003 REO Section 3b reflects Taxes, Insurance and Association in the amount of $[Redacted] Since the HOI is covered under the master policy, provide either HOA statement confirming $[Redacted] monthly payment or evidence supporting $[Redacted] as payments towards the REO. Exception remains. Buyer Comment (2026-06-01): per seller: On [Redacted] an HO6 is not required since the master policy covers walls in including improvements and betterments. Buyer Comment (2026-06-01): per seller: On acct# [Redacted] an HO6 is not required since the master policy covers walls in including improvements and betterments. Reviewer Comment (2026-05-29): Received First payment letter, Final CD, Taxes Confirming Mortgage payments includes only taxes for Property "[Redacted]". However Final CD confirms the complete mortgage payments however unable to determine the HOI only master policy for the property "[Redacted]" provided. Provide HOI policy reflecting the annual premium and HOA if any. Exception remains. Buyer Comment (2026-05-28): taxes Buyer Comment (2026-05-28): hoi Buyer Comment (2026-05-28): cd, note, deed, first payment letter |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | B | C | A | C | B | C | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10358854 | [Redact] | 37404096 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-06-04): Received CPA letter dated [Redacted] which is within 10 business days of the Note Date confirming business is active and operational and in good standing. Exception cleared. Buyer Comment (2026-06-03): please review |
06/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10358854 | [Redact] | 37404097 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | QM failure due to insufficient income documentation. This exception will be cleared once all QM specific exceptions have been cured/cleared. | Reviewer Comment (2026-06-04): Received CPA letter dated [Redacted] which is within 10 business days of the Note Date confirming business is active and operational and in good standing. Exception cleared. Buyer Comment (2026-06-03): please review |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | C | B | C | A | C | B | C | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10358854 | [Redact] | 37404098 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted]or [Redacted]%). | [Redacted] | Buyer Comment (2026-05-26): Acknowledged non-material EV2 |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Primary | Refinance - Limited Cash-out GSE | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | C | B | C | A | C | B | C | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10358857 | [Redact] | 37404103 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided | Missing required [Redacted] Fair Plan policy as required per the current subject property insurer [Redact] - See final page of current policy, third paragraph under important notice. | Reviewer Comment (2026-06-11): Received HOI from [Redacted] Fair Plan Policy. Exception cleared. Buyer Comment (2026-06-10): HOI |
06/11/2026 | No | 1 | A | A | A | A | A | [Redact] | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| [Redact] | 10358852 | [Redact] | 37404106 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-Sign consent dated [Redacted] | Reviewer Comment (2026-06-08): [Redacted] received E-Sign Process Summary which shows Sent to Fulfillment date as [Redacted] which is within [Redacted] days of the application. Buyer Comment (2026-06-05): Lender resposne |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10358824 | [Redact] | 37404230 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-05-12): Acknowledged non-material [Redacted] |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358809 | [Redact] | 37404265 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-05-12): Acknowledged non-material [Redacted] |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358809 | [Redact] | 37404266 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC report is missing in file. | Reviewer Comment (2026-05-15): Fraud report in lieu of OFAC report received. Exception cleared. Buyer Comment (2026-05-14): Fraud uploaded, see the participant list for OFAC on page [Redacted] & [Redacted] |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358809 | [Redact] | 37404267 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report required for borrower [Redacted]. | Reviewer Comment (2026-05-15): Fraud report for the borrower received. Exception cleared. Buyer Comment (2026-05-14): Fraud uploaded to the OFAC exception |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10358809 | [Redact] | 37404268 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Rent-free letters must be provided by both the borrower and the individual providing housing. | Reviewer Comment (2026-05-20): Received Rent-free letter Signed by both the borrower and the individual providing housing, Exception Cleared. Buyer Comment (2026-05-18): Rent Free Letter |
05/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358825 | [Redact] | 37404311 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Buyer Comment (2026-05-19): Acknowledged non-material [Redacted] |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10358853 | [Redact] | 37404322 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-05-29): Acknowledged non material |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358839 | [Redact] | 37404326 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | As per Guide: Rent loss insurance covering a minimum of 6 months is required for the subject property. | Reviewer Comment (2026-06-03): Received Updated HOI with Rent loss coverage provided. Exception cleared. Buyer Comment (2026-06-02): UPDATED HOI |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358849 | [Redact] | 37404331 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state | Buyer Comment (2026-05-28): Acknowledged non-material [Redacted] |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358811 | [Redact] | 37404334 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | - | Fraud report not in file for entity nor was entity referenced on the loan participant list. | Reviewer Comment (2026-06-05): Received Fraud report with entity as a participant. Exception cleared. Buyer Comment (2026-06-04): fraud rpt, entity listed as participant on page [Redacted] Reviewer Comment (2026-06-03): Received Fraud report for the borrower. However Fraud report for the entity or entity name as a participant is not provided. Provide Fraud report for entity or entity name ([Redacted]) as a participant on watchlist. Exception remains. Buyer Comment (2026-06-02): fraud report |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10358796 | [Redact] | 37404335 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. | Closing Protection Letter is missing. | Reviewer Comment (2026-06-03): Received Closing Protection Letter. Exception cleared. Buyer Comment (2026-06-02): CPL |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358796 | [Redact] | 37404337 | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. | Missing payment history for subject loan for with Signature Lending. Loan incepted [Redacted]. Missing [Redacted] and [Redacted]. | Reviewer Comment (2026-06-10): Mortgage for account #Signature Lending received for [Redacted]/[Redacted]and [Redacted]. Exception Cleared. Buyer Comment (2026-06-08): VOM |
06/10/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10358796 | [Redact] | 37404338 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | Missing payoff statement for subject loan with Signature Lending. | Reviewer Comment (2026-06-03): Received Mortgage payoff statement. Exception cleared. Buyer Comment (2026-06-02): pay off |
06/03/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10358836 | [Redact] | 37404339 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Spousal Consent Form was not found in file and is required by statute. | Reviewer Comment (2026-06-11): Received Spousal Consent Form. Exception Cleared. Buyer Comment (2026-06-10): spousal consent form |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10358836 | [Redact] | 37404341 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Provided Hazard insurance policy is expiring on [Redacted]; however, as per guide, the policy must be effective for at least 60 days beyond the loan date. | Reviewer Comment (2026-06-05): Received renewed HOI policy for the subject property. Exception cleared. Buyer Comment (2026-06-04): renewal |
06/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358836 | [Redact] | 37404342 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing was not found in file for [Redacted], a [Redacted] Limited Liability Company. | Reviewer Comment (2026-06-03): Received Certificate of Good Standing for [Redacted]. Exception cleared. Buyer Comment (2026-06-02): Good Standing |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358836 | [Redact] | 37404344 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Business entity fraud report was not found in file for [Redacted], a [Redacted] Limited Liability Company. | Reviewer Comment (2026-05-29): Fraud report provided has Entity name in the watchlist as a participant. Exception Cleared. Buyer Comment (2026-05-28): Entity added to Fraud- See See [Redacted] Reviewer Comment (2026-05-28): .. Buyer Comment (2026-05-28): Updating - For loans vested in an entity, a report is required for each Guarantor. The entity and each non-Guarantor must be included as transaction participants and screened against industry watch and exclusionary lists. |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358848 | [Redact] | 37404345 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note: Late charge percentage exceeds maximum per state. | Buyer Comment (2026-05-27): Acknowledged non-material [Redacted] |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358848 | [Redact] | 37404346 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Missing: For loans vested in an entity, a report is required for the entity and all members of the entity. | Reviewer Comment (2026-06-08): Received Fraud report for entity. Exception cleared. Buyer Comment (2026-06-04): lexisnexis |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10358837 | [Redact] | 37404352 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | The borrower, the LLC, was not included on the participant list on the fraud report. | Reviewer Comment (2026-06-09): Received Fraud report for borrower and LLC. Exception cleared. Buyer Comment (2026-06-08): Updated fraud report with corrected address Reviewer Comment (2026-06-03): Subject address on Fraud report reflects as [Redacted] instead of [Redacted]. Provide updated Fraud report with corrected street address. Exception remains. Buyer Comment (2026-06-02): Fraud report with entity listed in participant list |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358837 | [Redact] | 37404353 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Title is vested in the entity, but the Mortgage was signed as an individual. | Reviewer Comment (2026-06-03): Received revised security instrument with Entity as the borrower and member signing as authorized signatory. Exception cleared. Buyer Comment (2026-06-02): Security deed in the name of the entity |
06/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10358858 | [Redact] | 37404356 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance covering a minimum of 6 months is required for the subject property. | Reviewer Comment (2026-06-09): HOI Policy available confirming rent loss for [Redacted] months. Exception cleared. Buyer Comment (2026-06-08): rent loss coverage |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358858 | [Redact] | 37404357 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation. | Reviewer Comment (2026-06-09): Received 1008 with DSCR Calculation. Exception Cleared. Buyer Comment (2026-06-08): 1008 with DSCR ratio |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358858 | [Redact] | 37404358 | Property | Valuation | Valuation Issue | Valuation | [Redacted] program guidelines require a CDA (Desk Review) | Arch requires a CDA with 1 appraisal. CDA was not provided. | Reviewer Comment (2026-06-09): Received CDA as per guide. Exception cleared. Buyer Comment (2026-06-09): CDA on subject property |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10358858 | [Redact] | 37404360 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Per guidelines, Rent-free letters must be provided by both the borrower and the individual providing housing, unless both parties are borrowers on the subject loan. The borrower is living with her husband, and he is the only one on the mortgage (pay history provided). They are both on title since [Redacted]. LOE was provided from the borrower but not from her spouse. A rent-free letter is needed. | Reviewer Comment (2026-06-09): Borrower stays with the spouse and as per guide, The rent-free arrangement must be with a family member, spouse or significant other. Exception cleared. Buyer Comment (2026-06-08): Updated guideline from [Redacted]. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10326072 | [Redact] | 37477380 | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 [Redacted]% Points and Fees Test. Points and Fees on subject loan of [Redacted]% is in excess of the investor allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted] on a Federal Total Loan Amount of $[Redacted] vs. an investor allowable total of $[Redacted] (an overage of $[Redacted] or [Redacted]%). | Buyer Comment (2026-09-22): Initial and Final Grade B, accepted |
09/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10326072 | [Redact] | 37499050 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | 09/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| [Redact] | 10399519 | [Redact] | 37446296 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-03-31): [Redacted]. |
03/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10399519 | [Redact] | 37446297 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The calculated DTI of [Redacted]% exceeds the guideline DTI of [Redacted]% due to lower re-calculated monthly bank statement income vs lender's calculated income. | Reviewer Comment (2026-04-06): Received the updated income calculations. Buyer Comment (2026-04-02): Doc uploaded Reviewer Comment (2026-03-27): Lender has considered bank statement for #[Redacted] from [Redacted] to [Redacted] however qualifying income considered with recent bank statement [Redacted] to [Redacted] due to this there is difference in income of $[Redacted]. This leads to DTI discrepancy. Exception remains. Buyer Comment (2026-03-26): Hi - Can you provide which month, included or excluded amount that has the discrepancy please, thanks! |
04/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||||
| [Redact] | 10399519 | [Redact] | 37446298 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant on [Redacted], is prior to the date when valuation was performed on [Redacted]. | Reviewer Comment (2026-03-31): Appraisal receipt dated [Redacted] has been received. Exception cleared. Buyer Comment (2026-03-31): At the funding the underwriter asked for one last correction, and we have confirmation the report was sent to the borrower Buyer Comment (2026-03-30): doc uploaded |
03/31/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | ||||||||||
| [Redact] | 10399531 | [Redact] | 37446300 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Additional assets required to cover cash to close requirement. | Reviewer Comment (2026-07-21): Property [Redacted] was sold and Closing disclosure provided with cash received to borrower, Used for Closing/reserves. Also changes in reserve requirement to [Redacted] months no additional REO in file, Reserve requirement fulfilled with provided documents; Exception cleared. Buyer Comment (2026-07-17): Borrower Refinance on their [Redacted] with $[Redacted] cash back + [Redacted] #[Redacted] $[Redacted]= $[Redacted] in assets. Borrower funds to close is $[Redacted] + [Redacted] months $[Redacted]= $[Redacted]. We have enough assets. Attached are the CD from the Refinance, the [Redacted], and the Program Information with the Matrix Version Date of [Redacted]. We only need [Redacted] months reserves. We have enough assets for Closing Funds and Reserves. Buyer Comment (2026-07-17): Borrower Refinance on their [Redacted] with $[Redacted] cash back + [Redacted] #[Redacted] $[Redacted]= $[Redacted] in assets. Borrower funds to close is $[Redacted] + [Redacted] months $[Redacted] = $[Redacted]. We have enough assets. Attached are the CD from the Refinance, the [Redacted], and the Program Information with the Matrix Version Date of [Redacted]. We only need [Redacted] months reserves. We have enough assets for Closing Funds and Reserves. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399531 | [Redact] | 37446301 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Additional assets required to cover cash to close requirement. | Reviewer Comment (2026-07-21): Property [Redacted] was sold and Closing disclosure provided with cash received to borrower, Used for Closing/reserves. Also changes in reserve requirement to [Redacted] months no additional REO in file, Reserve requirement fulfilled with provided documents; Exception cleared. Buyer Comment (2026-07-17): Borrower Refinance on their [Redacted] with $[Redacted] cash back + [Redacted]#[Redacted] $[Redacted]= $[Redacted] in assets. Borrower funds to close is $[Redacted] + [Redacted] months $[Redacted]= $[Redacted]. We have enough assets. Attached are the CD from the Refinance, the [Redacted], and the Program Information with the Matrix Version Date of [Redacted]. We only need [Redacted] months reserves. We have enough assets for Closing Funds and Reserves. Buyer Comment (2026-07-17): Borrower Refinance on their [Redacted] with $[Redacted] cash back + [Redacted]#[Redacted]$[Redacted]= $[Redacted] in assets. Borrower funds to close is $[Redacted] + [Redacted] months $[Redacted]= $[Redacted]. We have enough assets. Attached are the CD from the Refinance, the [Redacted], and the Program Information with the Matrix Version Date of [Redacted]. We only need [Redacted] months reserves. We have enough assets for Closing Funds and Reserves. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399531 | [Redact] | 37446302 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Additional assets required to cover cash to close requirement. | Reviewer Comment (2026-07-21): Property [Redacted] was sold and Closing disclosure provided with cash received to borrower, Used for Closing/reserves. Also changes in reserve requirement to [Redacted] months no additional REO in file, Reserve requirement fulfilled with provided documents; Exception cleared. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399531 | [Redact] | 37446304 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to assets requirement to cover the cash to close requirement. | Reviewer Comment (2026-07-21): Property [Redacted] was sold and Closing disclosure provided with cash received to borrower, Used for Closing/reserves. Also changes in reserve requirement to [Redacted] months no additional REO in file, Reserve requirement fulfilled with provided documents; Exception cleared. |
07/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10399531 | [Redact] | 37446305 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to assets requirement to cover the cash to close requirement. | Reviewer Comment (2026-07-21): Property [Redacted] was sold and Closing disclosure provided with cash received to borrower, Used for Closing/reserves. Also changes in reserve requirement to [Redacted] months no additional REO in file, Reserve requirement fulfilled with provided documents; Exception cleared. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399531 | [Redact] | 37446307 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): Ability to Repay (Dodd-Frank 2014): There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to assets requirement to cover the cash to close requirement. | Reviewer Comment (2026-07-21): Property [Redacted] was sold and Closing disclosure provided with cash received to borrower, Used for Closing/reserves. Also changes in reserve requirement to [Redacted] months no additional REO in file, Reserve requirement fulfilled with provided documents; Exception cleared. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10333311 | [Redact] | 37446311 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | The appraisal indicates that the property is a PUD and HOA dues are required, however, they are not disclosed on page [Redacted] of the borrowers' final Closing Disclosure. The title commitment also discloses [Redacted]. | Reviewer Comment (2026-07-16): [Redacted] received 1004 with no HOA fees and non escrowed cost. Buyer Comment (2026-07-15): Uploaded |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10333311 | [Redact] | 37446312 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Neither evidence of delivery of updated appraisal, dated [Redacted], nor compliant acknowledgment of receipt signed at closing was provided. | Reviewer Comment (2026-07-15): Appraisal delivery provided, Exception cleared. Buyer Comment (2026-07-13): Uploaded |
07/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399861 | [Redact] | 37446314 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal report dated [Redacted] is missing evidence of receipt to borrower (3) business days prior to closing. | Reviewer Comment (2026-07-31): Delivery provided. Buyer Comment (2026-07-30): uploaded |
07/31/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399861 | [Redact] | 37446315 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Loan is non-compliant HPML due to missing evidence of appraisal delivery three days prior to closing. | Reviewer Comment (2026-07-31): Delivery provided. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399861 | [Redact] | 37446316 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Loan is non-compliant HPML due to missing evidence of appraisal delivery three days prior to closing. | Reviewer Comment (2026-07-31): Delivery provided. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10399861 | [Redact] | 37446318 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | The file is missing subject property Mortgage Pay History from [Redacted] / [Redacted]. | Reviewer Comment (2026-07-29): Verification of mortgage provided, Exception cleared. Buyer Comment (2026-07-28): in closing package uploaded |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399861 | [Redact] | 37446319 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | The Title Commitment reflects a Mechanics Lien of $[Redacted] from [Redacted], of which $[Redacted] was paid down at closing, leaving a balance of $[Redacted]. There is no evidence of a renegotiated balance or a full satisfaction and release provided. | Reviewer Comment (2026-07-31): Invoice showing settlement in the amount of $[Redacted] if paid by [Redacted]. Cleared. Buyer Comment (2026-07-30): uploaded |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10399593 | [Redact] | 37446341 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Missing approval screen shot disclosing the First Lien Matrix Version Date used. | Reviewer Comment (2026-08-04): Approval provided disclosing the first lien matrix, Exception cleared. Buyer Comment (2026-08-03): attached |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10399593 | [Redact] | 37446342 | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Missing gift letter for gift of $[Redacted] reflected on final HUD-1. | Reviewer Comment (2026-08-04): Gift letter provided, Exception cleared. Buyer Comment (2026-08-03): attached |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| [Redact] | 10408890 | [Redact] | 37545256 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | A copy of the desk review is to be included in the loan file. | Reviewer Comment (2026-06-16): Received CDA. Exception cleared. Buyer Comment (2026-06-16): CDA |
06/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10408890 | [Redact] | 37545257 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Form 1084 or income calculation worksheet is missing in file for both borrowers. | Reviewer Comment (2026-06-18): Received Form 1084 or income calculation worksheet for both borrowers. Exception Cleared. Buyer Comment (2026-06-17): income worksheet |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10408890 | [Redact] | 37545259 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing. | Reviewer Comment (2026-06-16): Received E-Sign Consent Agreement. Exception cleared. Buyer Comment (2026-06-15): Econsent |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10408890 | [Redact] | 37545260 | Credit | Missing Document | General | Missing Document | Missing Document: 1084 or income worksheet not provided | Duplicate: Form 1084 or income calculation worksheet is missing in file for both borrowers. Credit related. | Reviewer Comment (2026-06-18): Received Form 1084 or income calculation worksheet for both borrowers. Exception Cleared. Buyer Comment (2026-06-17): income worksheet |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10408890 | [Redact] | 37545263 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-06-18): Received Form 1084 or income calculation worksheet for both borrowers. Exception Cleared. Buyer Comment (2026-06-17): please review |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10408890 | [Redact] | 37545264 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR-specific exceptions have been cured or cleared. | Reviewer Comment (2026-06-18): Received Form 1084 or income calculation worksheet for both borrowers. Exception Cleared. Buyer Comment (2026-06-17): please review |
06/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10408890 | [Redact] | 37545265 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower within 3 days of closing, but was not provided. Waiver was not provided. | Reviewer Comment (2026-06-17): We have received Evidence of Appraisal delivery available for [Redacted] provide prior Appraisal report dated on or before [Redacted] to support evidence of Appraisal delivery. - Exception Remains. Buyer Comment (2026-06-15): Appraisal delivery |
06/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10408890 | [Redact] | 37545266 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10408890 | [Redact] | 37545267 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided. | Reviewer Comment (2026-06-10): Sufficient Cure Provided At Closing |
06/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10408890 | [Redact] | 37545268 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | We have received Evidence of Appraisal delivery available for [Redacted] provide prior Appraisal report dated on or before [Redacted]. | Buyer Comment (2026-06-18): Acknowledged non material [Redacted] |
06/18/2026 | No | 2 | B | B | B | B | B | [Redact] | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | |||||||||||||||
| [Redact] | 10408886 | [Redact] | 37545289 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-16): Sufficient Cure Provided At Closing |
06/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10408898 | [Redact] | 37545302 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal report dated [Redacted] and Note date is [Redacted] however the acknowledgement of appraisal delivery not received. | Buyer Comment (2026-06-29): Acknowledged as non-material. Reviewer Comment (2026-06-29): Provide Appraisal report is dated [Redacted] which is within [Redacted] business days of the note date ([Redacted]). Therefore provide prior appraisal report which is more than[Redacted] business day prior to the note date along with evidence of appraisal delivery. Exception remains. Buyer Comment (2026-06-25): Per lender: Please see attached appraisal receipt |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10408892 | [Redact] | 37545306 | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. | As per guidelines, a Free and Clear letter is required from the Borrower for Primary Property [Redacted]. | Reviewer Comment (2026-07-06): Received the LOX for the primary residence. Buyer Comment (2026-07-01): LOE Reviewer Comment (2026-06-29): Noted Received LOE from UW however as per guide, Primary Residence Owned Free and Clear • Free and clear status must be documented with the following: ○ Free and clear letter from the borrower(s), and ○ Recently dated property profile or fraud report showing no liens against the property, or ○ Insurance policy with no mortgagee listed. File contains HOI policy and fraud report and credit report confirming previous mortgage on primary property been closed. Therefore provide only Free and clear letter from the borrower(s). Exception remains. Buyer Comment (2026-06-25): UW LOE |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10408942 | [Redact] | 37545311 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | [Redacted] month business bank statement ([Redacted] &[Redacted]) is missing for [Redacted] # [Redacted]. | Reviewer Comment (2026-06-26): Received Bank statement for [Redacted] for Acct #[Redacted] for business "[Redacted]". Exception for third party verification is still open and there is a separate Exception been raised for third party. Hence Clearing the exception for Bank statement. Exception cleared. Buyer Comment (2026-06-25): [Redacted] BOA |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10408942 | [Redact] | 37545312 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-06-26): Received Bank statement for [Redacted] for Acct #[Redacted] for business "[Redacted]". Exception for third party verification is still open and there is a separate Exception been raised for third party. Hence Clearing the exception for Bank statement. Exception cleared. |
06/26/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | Lender to provide updated ATR/QM Loan Designation | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10408942 | [Redact] | 37545313 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-06-26): Received Bank statement for [Redacted] for Acct #[Redacted] for business "[Redacted]". Exception for third party verification is still open and there is a separate Exception been raised for third party. Hence Clearing the exception for Bank statement. Exception cleared. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | D | A | C | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10408942 | [Redact] | 37545314 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | CDA is required and was not provided. | Reviewer Comment (2026-06-30): Received CDA. Exception cleared. Buyer Comment (2026-06-26): CDA |
06/30/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10408942 | [Redact] | 37545315 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Same Lender Refinance required the H-9 form. H8 is acceptable. Due to H8 this is an EV2 informational and may be waived. | Reviewer Comment (2026-07-08): Received H-9 Right to cancel document. Exception Cleared. Buyer Comment (2026-07-06): NRTC Reviewer Comment (2026-07-01): Provide updated Right to Cancel form that supports the transaction. As per Final CD page [Redacted] and Final 1003 section 3a Mortgage with [Redacted] on the subject property is been paid off. Title report reflects lender as [Redacted] and Current Note also reflects the same Lender. H-9 form needs to be updated. Exception remains. Buyer Comment (2026-06-29): Comment from Lender: The condition is assuming we paid ourselves off which is not correct , the original loan #[Redacted] has been sold Reviewer Comment (2026-06-26): Noted. As per Final CD page [Redacted] and Final 1003 section 3a Mortgage with [Redacted] on the subject property is been paid off. Title report reflects lender as [Redacted] and Current Note also reflects the same Lender. Therefore provide updated Right to Cancel form that supports the transaction. Exception remains. Buyer Comment (2026-06-24): Please review lender response "This is not a refinance to pay off the first lien, we are doing a second for the same borrower. And there was no previous seconds that we are paying off to be the same creditor on. Please revisit and advise, we've done seconds with other investors with no issues about the ROR." |
07/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| [Redact] | 10408942 | [Redact] | 37545316 | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided | The seller must verify that the business has been in operation for at least [Redacted] years and that the borrower has held the required ownership percentage during that time period. Acceptable documentation includes: Business license, Secretary of State filing, Letter from a regulatory agency, professional organization or licensing bureau, CPA or licensed tax preparer letter (required if borrower owns less than [Redacted]%). Missing proof of ownership percentage. | Reviewer Comment (2026-07-09): Received Articles of Incorporation confirming borrower's ownership. Exception Cleared. Buyer Comment (2026-07-08): proof of ownership Reviewer Comment (2026-06-26): Revised, just need evidence of ownership percentage. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| [Redact] | 10408901 | [Redact] | 37545317 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo/PUD Warranty is missing in file. | Reviewer Comment (2026-07-06): Received Lender certification for condo warrantability. Exception cleared. Buyer Comment (2026-07-02): Seller fNMA attestation |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10408901 | [Redact] | 37545319 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower within 3 days of closing was not provided. Waiver not provided. | Reviewer Comment (2026-07-06): Received Evidence of appraisal delivery. Exception cleared. Buyer Comment (2026-07-01): Appraisal delivery |
07/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Second Home | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| [Redact] | 10408934 | [Redact] | 37545327 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-10): Sufficient Cure Provided At Closing |
07/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Primary | Refinance - Limited Cash-out GSE | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| [Redact] | 10408884 | [Redact] | 37545343 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Fraud Report is missing for [Redacted]. | Reviewer Comment (2026-05-26): Received Fraud report with entity as a participant. Exception cleared Buyer Comment (2026-05-22): Entity added as loan participant |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408884 | [Redact] | 37545344 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Spousal Consent form is missing in file. | Reviewer Comment (2026-06-04): Received Spousal Consent form. Exception Cleared. Buyer Comment (2026-06-03): Spousal consent |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10408884 | [Redact] | 37545346 | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. | Business Purpose Certificate is missing in file. | Reviewer Comment (2026-05-26): Received Business Purpose Certificate. Exception cleared. Buyer Comment (2026-05-22): BPC |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408884 | [Redact] | 37545347 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization document is missing in file. | Reviewer Comment (2026-05-26): Received Letter from borrower confirming use of loan proceeds. Exception cleared. Buyer Comment (2026-05-22): Cash-out letter |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408884 | [Redact] | 37545348 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing in file. | Reviewer Comment (2026-05-26): Received Guarantor Agreement. Exception cleared. Buyer Comment (2026-05-22): Guaranty agreement Buyer Comment (2026-05-21): Please see attached PPP addendum to add to review |
05/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408883 | [Redact] | 37545354 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The provided Certificate of Good Standing does not reflect a date. However, as per guidelines, a [Redacted] dated within 90 days of the note is required. | Reviewer Comment (2026-06-02): Received Certificate of Good Standing as of [Redacted]. Exception cleared. Buyer Comment (2026-06-01): SOS |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408883 | [Redact] | 37545355 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | The Employer Identification Number (EIN) is missing from the file. | Reviewer Comment (2026-06-15): Received email correspondence from CPA confirming EIN. Exception cleared. Buyer Comment (2026-06-12): email from CPA on EIN number Reviewer Comment (2026-06-03): Noted. If the CPA confirms the EIN Number on the letter head of the CPA with CPA signature can be considered for EIN confirmation. Exception remains. Buyer Comment (2026-06-02): Per Investor - Yes, a CPA letter confirming the EIN for the LLC would be acceptable and sufficient to meet the guideline. Reviewer Comment (2026-06-02): EIN number reflecting on any document that is provided by IRS. Form W-9 is not accepted. Exception remains. Buyer Comment (2026-06-02): PER LENDER - I requested the EIN number however the borrower does not have it and when he contacted the IRS he was told they could not provide him with a copy of the letter so what else can we provide with this being an DSCR loan to confirm the EIN number? A letter from the CPA? |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408883 | [Redact] | 37545356 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | The business entity fraud report is missing from the file for [Redacted], a [Redacted] Limited Liability Company. | Reviewer Comment (2026-06-03): Received Fraud report for the entity. Exception Cleared. Buyer Comment (2026-06-03): LLC fraud report |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408883 | [Redact] | 37545357 | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). | Loan closed in entity. Both the Security Instrument and Promissory Note were executed individually. Corrected SI and Note required. | Reviewer Comment (2026-06-03): Received Security instrument and Note and Note addendum where borrower signed as entity. Exception cleared. Buyer Comment (2026-06-02): Note and DOT Reviewer Comment (2026-05-29): Revised: At time of review there were two exact promissory notes provided for review. One individually and one from entity. Also, Two exact security instruments. one individually and one in entity. Title reflects vested in entity. Unable to ascertain which document was used and if closing agent destroyed the other Note and/or which SI one was going to be recorded. Unable to ascertain which document supersedes the other. Client to provide guidance. Buyer Comment (2026-05-29): See [Redacted] Note [Redacted]Security |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408888 | [Redact] | 37545362 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | Require Collateral Desktop Analysis (CDA) or Appraisal Risk Review (ARR) on all loan transactions that don't include 2 appraisals. | Reviewer Comment (2026-06-15): Received CDA. Exception Cleared. Buyer Comment (2026-06-12): Please find the requested CDA. Please clear. Thank you. |
06/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10408899 | [Redact] | 37545365 | Property | Valuation | Valuation Issue | Valuation | [Redacted] program guidelines require a CDA (Desk Review) | Collateral Desktop Analysis (CDA(r)) or Appraisal Risk Review (ARR) is required on all loan transactions that don't include 2 appraisals. | Reviewer Comment (2026-06-19): Received CDA. Exception cleared. Buyer Comment (2026-06-17): CDA |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | A | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10408910 | [Redact] | 37545368 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-12): Acknowledged non-material [Redacted] |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408911 | [Redact] | 37545369 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-10): Acknowledged non material |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408911 | [Redact] | 37545370 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Per guidelines, rent-free letters must be provided by both the borrower and the individual providing housing, unless both parties are borrowers on the subject loan. Missing rent-free letter from borrower. | Reviewer Comment (2026-06-18): Rent-free letters provided by both the borrower and the individual providing housing. Exception Cleared. Buyer Comment (2026-06-16): rent free |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408908 | [Redact] | 37545372 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Buyer Comment (2026-06-11): Acknowledged non-material [Redacted] |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||||
| [Redact] | 10408908 | [Redact] | 37545373 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Green Card expires [Redacted]. Provide a current visa or I-90 receipt. See seller Guide [Redacted] - Borrower/Guarantor Eligibility - Permanent Residents. | Reviewer Comment (2026-06-24): Received I-90 Application to replace PRA since PRA card will expire within [Redacted] months. Exception Cleared. Buyer Comment (2026-06-23): [Redacted] attached |
06/24/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10408905 | [Redact] | 37545377 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include documentation detailing the DSCR calculation, such as the 1008, loan approval, or a DSCR Calculation Worksheet. | Reviewer Comment (2026-06-24): Received 1008 with DSCR calculation. Exception cleared. Buyer Comment (2026-06-23): 1008 Reviewer Comment (2026-06-18): Received 1008 with DSCR Calculation. Appraisal rent is $[Redacted] and market rent is $[Redacted] Instead of less of lease rent and market rent lender has considered $[Redacted] as the rent for DSCR calculation instead of $[Redacted]. Provide corrected and updated DSCR Calculation Worksheet with updated rent and ratios. Exception remains. Buyer Comment (2026-06-17): 1008 |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408905 | [Redact] | 37545378 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | As per Guide, rent-free letters must be provided by both the borrower and the individual providing housing. Only documentation from non-borrower '[Redacted]' was provided. | Reviewer Comment (2026-06-24): Received LOE with Both borrower and individual providing housing signed. Exception cleared. Buyer Comment (2026-06-23): This should not be downgraded, this should be cleared as per [Redacted] it meets the guides Buyer Comment (2026-06-23): See attached LOX from [Redacted] advising ok to proceed with the letters provided Reviewer Comment (2026-06-18): Received rent free letter from Borrower [Redacted]. As per guide, Rent-free letters must be provided by both the borrower and the individual providing housing. Provide Corrected rent free letter signed by both borrower and individual providing housing. Exception remains. Buyer Comment (2026-06-16): rent free letter signed by borrower |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408926 | [Redact] | 37545383 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-24): Acknowledged non material |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408882 | [Redact] | 37545384 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note: Late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-05): Acknowledged non-material [Redacted] |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408896 | [Redact] | 37545386 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note: Late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-09): Acknowledged non-material [Redacted] |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | A | A | B | B | C | A | N/A | No | ||||||||||||
| [Redact] | 10408896 | [Redact] | 37545387 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The desk review has an effective date ([Redacted]) that is other than what the appraisal effective date is ([Redacted]). The desk review should have the same effective date as the appraisal. | Reviewer Comment (2026-06-17): Received revised CDA with updated effective date. Exception cleared. Buyer Comment (2026-06-15): CDA |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Limited Cash-out GSE | C | B | A | A | B | B | C | A | N/A | No | ||||||||||||
| [Redact] | 10408900 | [Redact] | 37545388 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-22): Acknowledged non material |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408900 | [Redact] | 37545389 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | Guidelines require a rent-free letter from both the borrower and the individual providing housing. Missing LOE from Borrower. | Reviewer Comment (2026-06-29): Rent-free letter received from both the borrower and the individual providing housing. Exception Cleared. Buyer Comment (2026-06-25): rent free |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408893 | [Redact] | 37545390 | Property | Valuation | Valuation Issue | Valuation | [Redacted] program guidelines require a CDA (Desk Review) | Collateral Desktop Analysis (CDA) or Appraisal Risk Review (ARR) is required on all loan transactions that do not include 2 appraisals. | Reviewer Comment (2026-06-30): Received CDA. Exception cleared. Buyer Comment (2026-06-29): CDA |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10408893 | [Redact] | 37545392 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) required for "[Redacted]". | Reviewer Comment (2026-06-24): EIN/Tax Identification Number. Single-member LLCs may use either an EIN or the guarantor's SSN; SSN card received. Exception cleared Buyer Comment (2026-06-24): Hello please find the certification, ssn and operating agreement confirming a single member LLC. Please clear the condition. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | No | ||||||||||||
| [Redact] | 10408893 | [Redact] | 37545394 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Lender Exception provided to allow [Redacted]% [Redacted] when vacant versus apply a [Redacted]% LTV reduction when vacant. [Redacted] = [Redacted]% maximum LTV. Compensating Factors: FICO [Redacted]([Redacted]); [Redacted]+ on all mortgages; Current primary home ownership [Redacted] years, [Redacted] months; Experienced investor; DSCR of [Redacted]%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted]vs[Redacted] | [Redact],Aggregator [Redact] |
Reviewer Comment (2026-07-07): Cleared. Lease in file starts on [Redacted]. Exception was not required. AMF rescinded the exception. Reviewer Comment (2026-06-25): Investor accepts and agrees to waive with compensating factors. Buyer Comment (2026-06-23): Approved exception |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | C | A | N/A | No | ||||||||
| [Redact] | 10408895 | [Redact] | 37545396 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The title policy amount of $[Redacted] is less than the note amount of $[Redacted] as stated in the commitment on file. Missing Closing/Escrow Instructions. | Reviewer Comment (2026-07-01): Received Title commitment with updated Policy amount that covers the loan amount. Exception cleared. Buyer Comment (2026-06-30): title report |
07/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408895 | [Redact] | 37545397 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | The Closing Disclosure (CD) provided is not legible (Blurry/Unclear). | Reviewer Comment (2026-07-01): Received Legible final CD for the subject property. Exception cleared. Buyer Comment (2026-07-01): Please see CD obtained from the title co with legible figures. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408895 | [Redact] | 37545398 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification is required for borrower. | Reviewer Comment (2026-07-01): Pat Act Identification received with borrower Identification info. Exceptrion cleared. Buyer Comment (2026-06-30): Please patriot act for Paul to verify identity |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408952 | [Redact] | 37545400 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing. | Reviewer Comment (2026-07-01): Received 1008 With DSCR Calculation. Exception cleared. Buyer Comment (2026-06-30): 1008 |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408952 | [Redact] | 37545401 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding ADUs. | As per guide ADUs must conform with Fannie Mae guidelines and as per Fannie Mae guidelines ADUs are not permitted with a two- to four-unit dwelling. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted]vs [Redacted] [Redacted]% vs 70[Redacted] [Redacted]vs [Redacted] |
[Redact],Aggregator Aggregator,[Redact] Aggregator,[Redact] |
Reviewer Comment (2026-07-01): Investor accepts and agrees to waive with compensating factors. Buyer Comment (2026-07-01): Investor exception. |
07/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | N/A | No | |||||||||
| [Redact] | 10408943 | [Redact] | 37545403 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Per HOI policy, loss of use up to 12 months was provided, not rent loss of 12 months. Unable to ascertain if rent loss is covered under this. | Reviewer Comment (2026-07-06): As per document provided it states that 12 months of rent loss insurance is noted on the policy and in the policy jacket. Exception Cleared. Buyer Comment (2026-07-01): rent loss coverage |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408929 | [Redact] | 37545405 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state | Buyer Comment (2026-06-29): Acknowledged non material |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408932 | [Redact] | 37545406 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. A CDA is required and was not provided. | Reviewer Comment (2026-06-26): Received CDA. Exception cleared. Buyer Comment (2026-06-25): CDA |
06/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10408932 | [Redact] | 37545407 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Business entity fraud report is missing in the file for [Redacted], a [Redact] limited liability company. | Reviewer Comment (2026-07-06): Received Fraud report with participant list for Borrower entity. Exception cleared. Buyer Comment (2026-07-01): Please see the watchlist for [Redacted]. There are no hits against the business. This is in cojunction with the [Redacted] report is sufficient to clear the condition. Thank you. Reviewer Comment (2026-06-26): Noted. Fraud report received from [Redacted] without the comparison of all participant names against industry watch and exclusionary lists. Provide a third-party report (First [Redacted] or similar) to identify any information discrepancies and indications of possible fraudulent activity. The report should include a comparison of all participant names against industry watch and exclusionary lists such as OFAC. Exception remains. Buyer Comment (2026-06-25): [Redacted] Buyer Comment (2026-06-24): per [Redacted] guidelines, only participant is required. The entity must be included and screened as a transaction participant on the fraud report obtained for the borrower(s) / guarantor(s). |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10408951 | [Redact] | 37545415 | Credit | Missing Document | General | Missing Document | Incomplete Document: Business Purpose Certificate is incomplete | Business Purpose Certificate provided is missing initials stating the Property is not and will not be occupied by me or any family member, or if Borrower is an entity, any member or owner of the Borrower entity. | Reviewer Comment (2026-07-01): Received complete Initial and Signed BPC. Exception cleared. Buyer Comment (2026-06-30): BPA |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408951 | [Redact] | 37545417 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing in file. | Reviewer Comment (2026-07-02): Received Certificate of Good Standing within [Redacted] days of note date. Exception cleared. Buyer Comment (2026-07-01): COGS |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408885 | [Redact] | 37545422 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate provided is blank. | Reviewer Comment (2026-07-06): Received Business Purpose Certificate. Exception cleared Buyer Comment (2026-07-02): Please see bus purpose cert |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408885 | [Redact] | 37545423 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization is missing in file. | Reviewer Comment (2026-07-06): Received LOE for cash out. Exception Cleared. Buyer Comment (2026-07-02): LOX Buyer Comment (2026-07-02): BPC |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408885 | [Redact] | 37545424 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Transaction Error: Outstanding liens were not paid at closing. | Title reflects a second lien with [Redacted] for $[Redacted], File #[Redacted]. Missing evidence this mortgage was released or paid off prior to closing. 1008 states the loan is being paid off by Loan #[Redacted]. | Reviewer Comment (2026-07-07): Received the Closing Disclosure and payoff statement confirming that the second lien held by the U.S. Small Business Administration (SBA) in the amount of $[Redacted] has been paid in full. Exception cleared. Buyer Comment (2026-07-02): Please see SBA payoff and Final cd showing it was paid at closing Buyer Comment (2026-07-02): Please see SBA payoff |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408912 | [Redact] | 37545426 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-30): Acknowledged non-material EV2 |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408912 | [Redact] | 37545427 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Per guidelines, Rent loss insurance covering a minimum of [Redacted] months is required for the subject property. Declaration page provided reflects Loss of Use only. | Reviewer Comment (2026-07-07): Noted. Under an HO-2 policy, Rent loss coverage is a as part of "Loss of Use" or Fair Rental Value coverage. Exception cleared. Buyer Comment (2026-07-06): Per Lender: Please re-review. Policy is marked as HO2. On an HO2 policy "loss of use" is the fair rental value/rent loss coverage |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408922 | [Redact] | 37545428 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-30): Acknowledged non-material EV2 |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408922 | [Redact] | 37545429 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Gift funds omitted on DSCR loans. | Reviewer Comment (2026-07-07): Gift can be used for experienced investor. Buyer Comment (2026-07-06): Per Lender: Please re-review. Documentation (attached) was included in delivery package to show borrower is owner of property. Not first time. Buyer Comment (2026-07-06): OA |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408922 | [Redact] | 37545430 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Gift funds omitted on DSCR loans. | Reviewer Comment (2026-07-07): Gift can be used for experienced investor. Buyer Comment (2026-07-06): Per Lender: Please re-review. Documentation (attached) was included in delivery package to show borrower is owner of property. Not first time. Buyer Comment (2026-07-06): OA Uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408954 | [Redact] | 37545432 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Guidelines require rent loss insurance covering a minimum of 6 months for the subject property. The Dec page reflects business income of $[Redacted], but we cannot determine if rental loss is included. | Reviewer Comment (2026-07-08): Received Email correspondence from insurance company confirming Business income covers the rent loss when the business is shut down. Exception cleared. Buyer Comment (2026-07-06): UW Cert Buyer Comment (2026-07-06): Hello this is a certification for calculation of the hoi premium thank you. Please see validation from the agent that the business income is one in the same as the rental loss. Please accept. Thank you. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408954 | [Redact] | 37545433 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The Dec page provided is missing the annual premium amount. | Reviewer Comment (2026-07-08): Received Annual premium calculation from lender. Considered the amount as per the HOI policy without the discount. Exception cleared. Buyer Comment (2026-07-06): Hello this is a certification for calculation of the hoi premium thank you. Please see validation from the agent that the business income is one in the same as the rental loss. Please accept. Thank you. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408891 | [Redact] | 37545435 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report provided is for the guarantor individual; however, fraud report is missing borrower entity name as a participant against industry watch and exclusionary lists. | Reviewer Comment (2026-07-09): Received Fraud report along with Watchlist for the entity. Exception cleared. Buyer Comment (2026-07-08): Fraud report with [Redact] listed as participant |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408955 | [Redact] | 37545439 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation. | Reviewer Comment (2026-07-08): DSCR Calculation Worksheet received. Exception Cleared. Buyer Comment (2026-07-06): Please see attached |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408955 | [Redact] | 37545440 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Short term is allowed per guides, overlays reference a [Redacted]% reduction. When applied LTV exceeds guides.. | Reviewer Comment (2026-07-02): Received updated LTV guidance from the seller. Buyer Comment (2026-07-02): See [Redacted] Material revisions - [Redacted] DSCR Qualifying Rental Income (Long-Term and Short-Term) - Section 8:Revision: Short-term rental income is allowed without LTV restriction. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408947 | [Redact] | 37545447 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Fraud report/OFAC is missing in file for borrower. | Reviewer Comment (2026-07-08): Fraud report received for borrower including the participants watchlist. Exception Cleared. Buyer Comment (2026-07-06): fraud |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | |||||||||||
| [Redact] | 10408947 | [Redact] | 37545448 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal report of subject property reflects 'subject to under construction'; hence, a Final Inspection 442 document is required. | Reviewer Comment (2026-07-08): Received Form 442 / Certificate of completion. Exception cleared. Buyer Comment (2026-07-07): final inspection |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | |||||||||||
| [Redact] | 10408947 | [Redact] | 37545449 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] | UCDP document is missing in file, and the SSR score is reflected in 1008 comments. The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-07-10): CDA provided. Buyer Comment (2026-07-10): CDA |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10408947 | [Redact] | 37545451 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing in file. | Reviewer Comment (2026-07-10): BPC provided. Buyer Comment (2026-07-09): BPC |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10408947 | [Redact] | 37545452 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | As per guide, rent-free letters must be provided by both the borrower and the individual providing housing, unless both parties are borrowers on the subject loan. | Reviewer Comment (2026-07-08): Received LOE from borrower and Individual providing Housing for Borrower staying rent free. Exception cleared. Buyer Comment (2026-07-07): See page [Redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10408947 | [Redact] | 37545454 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing final CD. Only initial in file. | Reviewer Comment (2026-07-08): Received Final CD. Exception Cleared. Buyer Comment (2026-07-07): final signed |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10408947 | [Redact] | 37545455 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment is missing in file for subject property. | Reviewer Comment (2026-07-08): Received Executed Note Addendum - Prepayment. Exception cleared. Buyer Comment (2026-07-06): Addendum and Rider attached |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | Yes | ||||||||||||
| [Redact] | 10408947 | [Redact] | 37545457 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The loan file must include a Loan Approval indicating the loan is DSCR and a DSCR Calculation Worksheet detailing the DSCR calculation. | Reviewer Comment (2026-07-08): Received 1008 with DSCR Calculation. Exception Cleared. Buyer Comment (2026-07-07): SEE TRANSMITTAL |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10408947 | [Redact] | 37545458 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | Rider - Prepayment is missing in file for subject property; however, the Closing Disclosure reflects PPP. | Reviewer Comment (2026-07-08): Received Executed Rider - Prepayment as per loan terms. Exception cleared. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10408947 | [Redact] | 37545459 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | HOI provided reflects Rental Loss coverage as Included. Missing evidence of 6 months rental loss coverage. | Reviewer Comment (2026-07-08): Email correspondence received from insurance company company confirming rent loss for 12 months covered. Exception Cleared. Buyer Comment (2026-07-07): evidence of insurance and agent info on amount of fair rental |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | A | D | A | A | A | D | A | N/A | No | ||||||||||||
| [Redact] | 10408887 | [Redact] | 37545463 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance covering a minimum of [Redacted] months is required for the subject property. | Reviewer Comment (2026-06-29): Rent loss insurance covering [Redacted] months provided. Exception Cleared. Buyer Comment (2026-06-26): HOI |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408887 | [Redact] | 37545464 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Funds is required for business bank statement of [Redacted], N.A. #[Redacted]. | Reviewer Comment (2026-07-15): Received updated 1003 excluding acc #[Redacted], Exception Cleared. Buyer Comment (2026-07-13): Revised 1003 removing accounts Reviewer Comment (2026-06-29): The provided business entity listing does not reflect the borrower's ownership percentage. As per guidelines, business funds may be used for cash-to-close and reserve requirements only if the borrower holds greater than [Redacted]% ownership in the business. Additionally, the reserve requirement is currently being met through subject loan proceeds, which makes reliance on business funds unnecessary in this case. Therefore, business asset account #[Redacted] can be excluded. However, the lender has already considered this account in the 1003. Please provide an updated 1003 removing business asset account #[Redacted]. Exception remains. Buyer Comment (2026-06-26): LOE |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408887 | [Redact] | 37545465 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Funds is required for business bank statement of [Redacted], N.A. #[Redacted]. | Reviewer Comment (2026-07-15): Received updated 1003 excluding acc #[Redacted], Exception Cleared. Buyer Comment (2026-07-13): 1003s uploaded Reviewer Comment (2026-06-29): The provided business entity listing does not reflect the borrower's ownership percentage. As per guidelines, business funds may be used for cash-to-close and reserve requirements only if the borrower holds greater than [Redacted]% ownership in the business. Additionally, the reserve requirement is currently being met through subject loan proceeds, which makes reliance on business funds unnecessary in this case. Therefore, business asset account #[Redacted] can be excluded. However, the lender has already considered this account in the 1003. Please provide an updated 1003 removing business asset account #[Redacted]. Exception remains. Buyer Comment (2026-06-26): LOE uploaded |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408887 | [Redact] | 37545466 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender exception is provided in file for First Time Investor (Less than 12 months) The borrower converted this property to a rental in [Redacted] when they purchased a new primary ($[Redacted]+) They do not have [Redacted] months rental history on this property and per the guidelines cash out is not eligible for first time investors. Compensating factors - FICO [Redacted] & Established Credit; Low LTV well below program maximum - [Redacted] LTV; [Redacted] months reserves using cash out proceeds. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redact] [Redact] [Redact] [Redact] |
Reviewer Comment (2026-06-22): Lender Exception with Compensating Factors provided. Buyer Comment (2026-06-18): Lender Approved Exception |
06/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | No | ||||||||||
| [Redact] | 10408927 | [Redact] | 37545469 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report is missing for [Redacted], [Redacted]. | Reviewer Comment (2026-06-29): Received fraud report with participant list. Exception Cleared. Buyer Comment (2026-06-25): Fraud report |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10408927 | [Redact] | 37545473 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing in file. | Reviewer Comment (2026-06-29): Received of Certificate of Good Standing. Exception cleared. Buyer Comment (2026-06-25): updated entity search |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408927 | [Redact] | 37545474 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-07-08): Received 1008 with DSCR calculation. Exception cleared. Buyer Comment (2026-07-06): 1008 Reviewer Comment (2026-06-29): Received 1008 with Market rent considered as $[Redacted] instead of $[Redacted] as per 1007 Market rent is $[Redacted] therefore provide updated DSCR worksheet with updated market rent as $[Redacted] and DSCR ratios. Exception remains. Buyer Comment (2026-06-25): updated 1008 with calculations. [Redacted]/ piti [Redacted]= [Redacted] dscr ratio |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408927 | [Redact] | 37545476 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Additional assets were provided but were not used to qualify. Missing evidence of [Redacted] months reserves. | Reviewer Comment (2026-07-10): Additional assets, 1008 and 1003 provided. Buyer Comment (2026-07-10): 1003 Reviewer Comment (2026-07-08): Received 1008 with Additional asset from [Redacted] Checking #[Redacted] considered for qualification. However Updated 1003 is missing with Asset section updated with additional asset from [Redacted] Checking #[Redacted]. Provide Updated 1003 with updated asset. Exception remains. Buyer Comment (2026-07-06): 1008 with updated assets. Missing 1003. Reviewer Comment (2026-06-29): Provided bank statement #[Redacted] dated [Redacted] reflects an ending balance of $[Redacted]. Total required assets to close, including reserves, equal $[Redacted]. Available verified assets are $[Redacted], resulting in a shortfall of approximately $[Redacted] to meet the [Redacted]-month reserve requirement. Exception remains. Buyer Comment (2026-06-25): Updated 1003/1008 and bank statement |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408927 | [Redact] | 37545479 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | - | Valuation effective date of [Redacted] is more than 120 days prior to the Note Date. As per guideline, if over [Redacted] days, a 1004D appraisal (or Agency UAD [Redacted]equivalent) update is required. | Reviewer Comment (2026-06-29): Received 1004D appraisal dated [Redacted]. Exception Cleared. Buyer Comment (2026-06-25): 1004D |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10408927 | [Redact] | 37545480 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Missing page [Redacted] and [Redacted] of the security agreement | Reviewer Comment (2026-07-01): Received Complete Notarized Security Instrument. Exception cleared. Buyer Comment (2026-06-29): security instrument with all pages Reviewer Comment (2026-06-29): Security Instrument not received. Exception remains. Buyer Comment (2026-06-25): security instrument with all pages |
07/01/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10408931 | [Redact] | 37545486 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-07-07): Received Updated Title commitment with dwelling covering the loan policy amount. Exception celared. Buyer Comment (2026-07-02): Updated title with coverage |
07/07/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408931 | [Redact] | 37545489 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject city is missing from evidence of insurance. | Provide Hazard Insurance Policy with annual premium of $[Redacted] that support the lender calculation. | Reviewer Comment (2026-07-14): Received HOI with Annual premium. Difference is $[Redacted] hence considered the premium as per the document provided. Exception cleared. Buyer Comment (2026-07-13): Updated policy with correct premium Buyer Comment (2026-07-13): Insurance declarations with corrected premium |
07/14/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10408931 | [Redact] | 37545490 | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. | Final 1003 reflects Borrower is Permanent Resident Alien and Provided visa type is a [Redacted] class visa. And as per guide, Cash-out refinance is not allowed for Non-Permanent Residents. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redact] [Redact] |
Reviewer Comment (2026-07-14): Exception provided. Buyer Comment (2026-07-10): Please downgrade and waive. Buyer Comment (2026-07-10): Exception from [Redacted]. |
07/14/2026 | Yes | 2 | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | No | |||||||||||||||
| [Redact] | 10408924 | [Redact] | 37545492 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state | Buyer Comment (2026-07-01): Acknowledged non-material [Redacted] |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Limited Cash-out GSE | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408923 | [Redact] | 37545494 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | - | Fraud report not in file for entity, nor was entity referenced on the loan participant list. | Reviewer Comment (2026-07-15): Received Fraud report for the entity and all participant list. Exception cleared. Buyer Comment (2026-07-14): fraud |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10408923 | [Redact] | 37545495 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds the maximum per state. | Buyer Comment (2026-07-01): Acknowledged non-material [Redacted] |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408923 | [Redact] | 37545496 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation on [Redacted] does not reflect the PITIA amount. It reflects $[Redacted] / PITIA = [Redacted]. Need DSCR Calculation Worksheet. | Reviewer Comment (2026-07-15): Received DSCR Calculation Worksheet. Exception cleared. Buyer Comment (2026-07-14): dscr w/s |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408923 | [Redact] | 37545497 | Credit | Guideline | Guideline Issue | Guideline | Gift funds not allowable. | Borrower is first-time investor, gift funds not allowed. | Reviewer Comment (2026-07-15): Prop "[Redacted]" is a [Redacted]unit property and lease agreement supporting the same. Borrower is an experienced investor and hence Gift fund are allowed. Exception Cleared. Buyer Comment (2026-07-14): PER LENDER- [Redacted] Cert of Occupancy for [Redacted] showing it's a [Redacted]unit property. Borrower is an experienced investor. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408956 | [Redact] | 37545498 | Credit | Credit | Credit Documentation | Credit | Background check is missing. | - | Fraud report not in file for entity, nor was the entity referenced on the loan participant list. | Reviewer Comment (2026-07-10): Received Watchlist with Entity as a participant. Exception cleared. Buyer Comment (2026-07-08): [Redact] listed as participant on Participant List |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10408956 | [Redact] | 37545500 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. No escrow Instructions and loan amount not in Closing Instructions. | Reviewer Comment (2026-07-08): Title commitment received with a policy Amount of $[Redacted]. Exception Cleared. Buyer Comment (2026-07-06): Updated title with increased coverage |
07/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||
| [Redact] | 10408925 | [Redact] | 37545505 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-07-02): Acknowledged non material |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408925 | [Redact] | 37545506 | Credit | Guideline | Guideline Issue | Guideline | The title search is not clear or items are negatively impacting title. | Title reflects [Redacted] judgments, [Redacted], numerous [Redacted] and [Redacted]. Need proof the judgments and liens have been paid in full prior to closing or updated title omitting. | Reviewer Comment (2026-07-15): As per Title supplement the following Exception in the below title commitment is now marked "OMIT": [Redacted] judgments, [Redacted] PVBs and numerous ECBs. Exception Cleared. Buyer Comment (2026-07-14): Title supplement |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408930 | [Redact] | 37545512 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-07-08): Acknowledged non material |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408953 | [Redact] | 37545520 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title policy amount not found in the Escrow Instructions/Closing Instructions within the file. | Reviewer Comment (2026-07-14): Received Final Title with loan policy amount covering the loan amount. Exception Cleared. Buyer Comment (2026-07-14): Final title with correct amount |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408953 | [Redact] | 37545521 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-07-14): Received Final Title with loan policy amount covering the loan amount. Exception Cleared. |
07/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||
| [Redact] | 10408953 | [Redact] | 37545522 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Trust Agreement not provided | Loan closed in a Trust, and the Trust Agreement was not provided. | Reviewer Comment (2026-07-14): Received Executed Trust Agreement Exception cleared. Buyer Comment (2026-07-13): Trust certificate |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408949 | [Redact] | 37545539 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-07-16): Acknowledged non material |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408889 | [Redact] | 37545543 | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. | The loan file must include documentation detailing the DSCR calculation, such as the 1008, Loan Approval, or a DSCR Calculation Worksheet. | Reviewer Comment (2026-06-22): DSCR Calculation Worksheet received, Exception Cleared. Buyer Comment (2026-06-21): DSCR calc |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408889 | [Redact] | 37545544 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Interest Only not provided | Final Closing Disclosure reflects interest only, and the P&I matches the Note; however, the Note does not reflect interest only nor does rate lock. | Reviewer Comment (2026-07-10): Received Updated Note and [Redacted] confirming the P&I that matches the PCCD. Exception Cleared. Buyer Comment (2026-07-08): Updated Note Buyer Comment (2026-07-08): First payment letter Buyer Comment (2026-07-08): Amortization schedule Reviewer Comment (2026-06-19): Received PCCD dated [Redacted] however P&I on PCCD does not match the P&I on Note. Provide updated Note with P&I corrected. Exception remains. Buyer Comment (2026-06-18): LOE and PCCD Buyer Comment (2026-06-17): This was an error on the CD and is not an Interest Only loan. The note and rate lock are correct (30 year fixed). |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||
| [Redact] | 10408928 | [Redact] | 37545545 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report is missing for [Redact]. | Reviewer Comment (2026-07-02): Received the Fraud Report. Buyer Comment (2026-07-02): fraud report |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10408928 | [Redact] | 37545546 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Fraud report (OFAC) is missing for [Redacted]. | Reviewer Comment (2026-07-02): Received the Fraud Report. Buyer Comment (2026-07-02): see fraud report |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | |||||||||||
| [Redact] | 10408928 | [Redact] | 37545547 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-23): Acknowledged non-material [Redacted] |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408928 | [Redact] | 37545550 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DSCR Calculation Worksheet is missing in file. | Reviewer Comment (2026-06-30): DSCR: [Redacted]/[Redacted]= [Redacted]. DSCR worksheet received. Exception Cleared. Buyer Comment (2026-06-26): Worksheet |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408928 | [Redact] | 37545551 | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Missing evidence of rent loss. Section D refers to loss of use, Loss of use generally refers to covering the tenant's expenses for relocation when they can't stay in the property. Rent loss coverage, on the other hand, compensates the landlord for the income they lose when the property is uninhabitable | Reviewer Comment (2026-07-20): HOI has been received and reflects Loss of Rent coverage of $[Redacted]. Exception Cleared. Buyer Comment (2026-07-17): HOI Reviewer Comment (2026-07-02): The policy provided does not include a rent loss provision. Buyer Comment (2026-06-30): HOI |
07/20/2026 | No | 1 | A | A | A | A | A | [Redact] | Investment | Refinance - Rate/Term | D | B | D | A | B | B | A | A | N/A | No | |||||||||||||||||
| [Redact] | 10408948 | [Redact] | 37545552 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-30): Acknowledged non-material EV2 |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408948 | [Redact] | 37545553 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | The Hazard Insurance Policy's effective date ([Redacted]) and expiration date ([Redacted]) are the same. An updated or rectified Hazard Insurance Policy is required. | Reviewer Comment (2026-07-13): Received HOI Policy with Expiration date corrected. Exception cleared. Buyer Comment (2026-07-10): Updated policy effective [Redacted] -[Redacted] |
07/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408948 | [Redact] | 37545554 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Missing Replacement Cost Estimator. | Reviewer Comment (2026-07-24): Received RCE that covers the shortfall. Exception cleared. Buyer Comment (2026-07-23): RCE Reviewer Comment (2026-07-13): HOI Policy reflects the same dwelling. Provided HOI has a coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] ([Redacted]% of Estimated Cost new) OR provide copy of insurer's replacement cost estimate supporting current coverage amount or shortfall. Exception remains. Buyer Comment (2026-07-10): HOI |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | [Redact] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408940 | [Redact] | 37545555 | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state | Note late charge percentage exceeds maximum per state. | Buyer Comment (2026-06-30): Acknowledged non-material [Redacted] |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | N/A | No | ||||||||||||
| [Redact] | 10408940 | [Redact] | 37545556 | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date [Redacted], Note Date [Redacted]. Need updated policy. | Reviewer Comment (2026-07-21): Received Current policy that covers the Note date. Exception cleared. Buyer Comment (2026-07-17): current hoi |
07/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | [Redact] | Investment | Refinance - Cash-out - Other | B | B | B | A | B | B | A | A | N/A | No |