Exhibit 99.1
Schedule 3 - Exception Grades
Exception Grades
Run Date - 10/6/2026 7:47:01 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 |
| 225488642 | [Redacted] | [Redacted] | 36331800 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted]are underdisclosed. | Non-Escrowed Property Costs over Year [redacted] amount on page [redacted] not provided as per Final Closing Disclosure issued on [redacted] | Reviewer Comment (2026-06-24): [redacted]received corrected PCCD and LOE Buyer Comment (2026-06-23): PCCD |
06/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225488642 | [Redacted] | [Redacted] | 36339323 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] month cash flow analysis for each business account used. This is missing for all [redacted] business accounts being utilized. | Reviewer Comment (2026-06-19): Lender Exception with Compensating Factors provided For CPA letter stating the use of business funds will not effect the business operations. Buyer Comment (2026-06-17): Exception |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225554388 | [Redacted] | [Redacted] | 36412331 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide tax verification for the property [redacted] | Reviewer Comment (2026-05-13): Received tax verification and associated, exception cleared Seller Comment (2026-05-11): Property profile Seller Comment (2026-05-11): this is their departing residence |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225554388 | [Redacted] | [Redacted] | 36412335 | 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. | Loan Estimate is missing in the file. | Reviewer Comment (2026-05-13): [redacted] received initial LE. Seller Comment (2026-05-11): Loan Estimate |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225554388 | [Redacted] | [Redacted] | 36462759 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-29): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Seller Comment (2026-05-28): LOE Seller Comment (2026-05-28): [redacted] Reviewer Comment (2026-05-21): [redacted]received rebuttal. However, we would require borrower confirmation whether the borrower received the copy of refund check via email in order to cure the exception. Seller Comment (2026-05-20): Can you please see if an exception can be granted on this? Per the partner, it was mailed and there is no proof of it. It was sent to the borrower[redacted] Reviewer Comment (2026-05-20): [redacted]received Post CD,LOX and Copy of refund check .However, we would require proof of mailing in order to cure the exception. Seller Comment (2026-05-19): LOE Seller Comment (2026-05-19): LOE uploaded Reviewer Comment (2026-05-19): [redacted]received Copy of Refund Check and Corrected CD. Missing LOE to borrower and Copy of Refund Check. Seller Comment (2026-05-18): check and pccd Seller Comment (2026-05-18): please see pccd along with check |
05/29/2026 | No | 2 | B | B | B | B | B | GA | 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 | ||||||||||||||
| 225564845 | [Redacted] | [Redacted] | 36435781 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception Condition- - Max [redacted]% LTV - Max [redacted]% DTI - Subject [redacted]per rate sheet - Borrower to sign LOX Subject to [redacted] P&L only LLPA rate sheet - Subject to meeting all other signature Expanded guideline requirements. Any Loan attribute limit listed above is a requirement to maintain the exception approval. Lender Exception approved for - Credit-Delinquent Housing Payment-[redacted] States housing history must be[redacted]. Requesting exception to allow. Pricing/Conditions LTV-[redacted] Max CLTV-[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. 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. |
Borrower has been employed in the same industry for more than [redacted]years. Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted]years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-12): Lender Exception with Compensating Factors provided. |
05/12/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225564845 | [Redacted] | [Redacted] | 36435923 | 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. | Complete [redacted]months of P&L was not provided in file as required by guideline. | Reviewer Comment (2026-07-09): [redacted]month P&L received, exception cleared Reviewer Comment (2026-06-04): P&L statement provided is of [redacted]months i.e. [redacted], it is not meeting the requirement of [redacted]months. Buyer Comment (2026-06-02): See [redacted]page [redacted] |
07/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225564845 | [Redacted] | [Redacted] | 36435924 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - P&L Statement Only Guidelines Number of Months P&L Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of months covered by the provided P&L Statement(s) was fewer than the number of months required by the guidelines. | Complete [redacted]months of P&L was not provided in file as required by guideline. | Reviewer Comment (2026-07-09): [redacted]month P&L received, exception cleared Buyer Comment (2026-07-08): Correct P&Ls Reviewer Comment (2026-06-04): P&L statement provided is of [redacted]months i.e. [redacted], it is not meeting the requirement of [redacted]months. Buyer Comment (2026-06-02): See [redacted]page [redacted]for [redacted] |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225564845 | [Redacted] | [Redacted] | 36435925 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Complete [redacted]months of P&L was not provided in file as required by guideline. | Reviewer Comment (2026-07-09): [redacted]month P&L received, exception cleared Reviewer Comment (2026-06-04): P&L statement provided is of [redacted]months i.e. [redacted], it is not meeting the requirement of [redacted]months. |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225564845 | [Redacted] | [Redacted] | 36435927 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance o[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points fees in loan estimate is $[redacted]and closing disclosure reflects $[redacted]No valid coc in file. | Reviewer Comment (2026-06-04): [redacted] received valid COC document Buyer Comment (2026-06-02): RCD with copies of lock forms showing the changes to the pricing |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | 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 | |||||||||
| 225564845 | [Redacted] | [Redacted] | 36435933 | 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. | Complete [redacted]months P&L statement not provided in file as required by guideline. | Reviewer Comment (2026-08-17): Lender exception approval provided for DTI using P&L that cover [redacted]months. Buyer Comment (2026-08-13): Exception for DTI Reviewer Comment (2026-07-09): The monthly average income from the corrected P&L is lower than the qualified income. The calculated DTI is now [redacted]% which is over the guideline threshold limit of [redacted]% and Bid Tape DTI of [redacted]%. Exception remains Buyer Comment (2026-07-08): See correct P&L Reviewer Comment (2026-06-04): P&L statement provided is of [redacted]months i.e.[redacted], it is not meeting the requirement of [redacted]months. Buyer Comment (2026-06-02): See [redacted]page [redacted]for[redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225564845 | [Redacted] | [Redacted] | 36921556 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The monthly average income from the corrected P&L is lower than the qualified income. The calculated DTI is now [redacted]% which is over the guideline threshold limit of [redacted]% and Bid Tape DTI of [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. 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. |
Borrower has been employed in the same industry for more than [redacted]years. Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted]years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-17): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-17): Lender exception provided for DTI using P&L that cover [redacted]months. |
08/17/2026 | Yes | 2 | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 225564845 | [Redacted] | [Redacted] | 36921570 | 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 DTI exception | Reviewer Comment (2026-08-25): Lender excepiton approval allows for max [redacted]% DTI Buyer Comment (2026-08-25): We already provided an exception for the DTI over [redacted]% , and reviewer is using a full [redacted]month average when a [redacted]month average should be used based on dates on P&L. Can we get this cleared or clarified? Reviewer Comment (2026-08-25): The monthly average income from the corrected P&L is lower than the qualified income. The calculated DTI is now [redacted]% which is over the guideline threshold limit of [redacted]%. Exception remains Buyer Comment (2026-08-21): Bid Tape should be corrected and within tolerance now Reviewer Comment (2026-08-17): Waterfall exception due to the discrepancy in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted]% however due diligence is [redacted]%. An updated Bid tape for the DTI is required. |
08/25/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225564845 | [Redacted] | [Redacted] | 36921571 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted]moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The monthly average income from the corrected P&L is lower than the qualified income. The calculated DTI is now [redacted]% which is over the guideline threshold limit of [redacted]% and Bid Tape DTI of [redacted]% | Reviewer Comment (2026-08-25): Lender excepiton approval allows for max [redacted]% DTI Reviewer Comment (2026-08-25): The monthly average income from the corrected P&L is lower than the qualified income. The calculated DTI is now [redacted]% which is over the guideline threshold limit of [redacted]%. Exception remains Buyer Comment (2026-08-21): Bid Tape should be corrected and within tolerance now Reviewer Comment (2026-08-17): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted]% however due diligence is [redacted]%. An updated Bid tape for the DTI is required. |
08/25/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225564845 | [Redacted] | [Redacted] | 37545908 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - DTI | Reviewer Comment (2026-09-15): Cleared. Received property tax cert. DTI calulation is under [redacted]%. Per client, lender exception not required. Buyer Comment (2026-09-11): Updated property taxes , DTI now under [redacted]%. Exception not needed |
09/15/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225573677 | [Redacted] | [Redacted] | 36454800 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Compliant) | [redacted] [redacted] Loan: Counseling Disclosure not compliant. | Buyer Comment (2026-08-04): Waive per CNR |
08/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225573677 | [Redacted] | [Redacted] | 36454801 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Loan: Mortgage does not contain a legend stating that the [redacted] loan is subject to Section [redacted]-m of the Banking Law. | Buyer Comment (2026-08-04): Waive per CNR |
08/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225573677 | [Redacted] | [Redacted] | 36454802 | Compliance | Compliance | State Compliance | State HPML | [redacted] [redacted] [redacted] Loan Threshold Fixed Non-Compliant | [redacted] Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of [redacted]. Non-Compliant [redacted] Loan. | Buyer Comment (2026-08-04): Waive per CNR |
08/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225573677 | [Redacted] | [Redacted] | 36454803 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, [redacted] loan. | Buyer Comment (2026-08-04): Waive per CNR |
08/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 225573677 | [Redacted] | [Redacted] | 36454828 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | [redacted] Loan: Counseling Disclosure not provided to borrower at the time of application, but within [redacted] days of application. | The borrower was not provided with the required disclosure within three business days prior to the application date. | Reviewer Comment (2026-08-06): Counseling disclosure provided on application. Exception cleared. Buyer Comment (2026-08-04): Please see attached. |
08/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| 225573677 | [Redacted] | [Redacted] | 36468072 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-05-13): Sufficient Cure Provided At Closing |
05/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225573677 | [Redacted] | [Redacted] | 36468073 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-05-13): Sufficient Cure Provided At Closing |
05/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225573677 | [Redacted] | [Redacted] | 36468074 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-05-13): Sufficient Cure Provided At Closing |
05/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225575515 | [Redacted] | [Redacted] | 36461389 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 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 (2026-05-28): [redacted]received corrected PCCD and LOE. Survey is non lender required. Seller Comment (2026-05-27): LOE Reviewer Comment (2026-05-22): [redacted]received PCCD and LOE, however we are unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Seller Comment (2026-05-21): PCCD showing survey fee moved to section H with letter to borrower |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | 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 | |||||||||
| 225575515 | [Redacted] | [Redacted] | 36468824 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Requesting an exception to proceed with using a letter prepared by a PTIN tax preparer to document business is active, length of self employment percentage of ownership and that the use of business funds will not impact the business. One time exception to use appraisal for underwriting is granted. | 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 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. |
Documentation Type: [redacted]Bank Statement Disposable Income: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-13): Clien elects to waive with compensating factors. |
05/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225602464 | [Redacted] | [Redacted] | 36553911 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | ADV report reflects error in SSN and error on Civil Court Search Report due to name/SSN mismatch, please provide updated ADV report with valid search report for guarantor. | Reviewer Comment (2026-06-15): Fraud report shows red flags cleared as borrowers are foreign national. Exception cleared. Buyer Comment (2026-06-11): Please see attached Borrowers' ID to verify they are both Foreign Nationals without US Social Security Numbers therefore they will not return a valid search on those numbers. I'm not sure what an [redacted] Report is, if you could clarify, that would be helpful. I did check the fraud report and I'm not seeing any red flags that have not been addressed. Please identify specifically what you are referring to. (ie doc number, page number etc) |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225602464 | [Redacted] | [Redacted] | 36554053 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | File is missing the Corporate EIN documentation. | Reviewer Comment (2026-06-22): Initial package had employer identification number document. Exception cleared. Buyer Comment (2026-06-19): Please reference [redacted] Reviewer Comment (2026-06-12): Tax ID # is required for Corporation. Exception remains. Buyer Comment (2026-06-11): Program guidelines Section [redacted]Evidence of the EIN for the Entity is not required. And Section [redacted]: Partnerships and Corporations (not [redacted]) state the same |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225638903 | [Redacted] | [Redacted] | 36541523 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | 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 a supplemental title report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-06-24): Received updated amount. Condition cleared. Reviewer Comment (2026-06-24): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: The Title Policy Amount of $[redacted] is less than the note amount of[redacted] based on the Preliminary in file. Buyer Comment (2026-06-24): title supplement upld |
06/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225638903 | [Redacted] | [Redacted] | 36541527 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is due to the credit debts. Calculated is $[redacted]; however, [redacted]has been calculated with $[redacted]. Variance is due to child support. | Reviewer Comment (2026-06-19): [redacted]was child support areas balance, regular monthly payment is [redacted]as per credit report. DTI matching with final approval. Buyer Comment (2026-06-17): Per the child support order the monthly amount is [redacted] for [redacted] child and [redacted] for the other child |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225638903 | [Redacted] | [Redacted] | 36541530 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception requested for requesting borrower to be approved for only[redacted] months reserves versus a requirement of [redacted] months. Subject PITIA: $[redacted]verified assets currently, additional [redacted] months reserves approved). | 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. The representative FICO score exceeds the guideline minimum by at least [redacted]points. |
Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-31): Client elects to waive with compensating factors. Buyer Comment (2026-07-30): rebuttal, updated worksheet, [redacted], [redacted]upld - dti is at [redacted]% Reviewer Comment (2026-07-24): Received updated exception for reduced reserves and reflecting the DTI is to be [redacted]%, however the DTI is at [redacted]%. Unable to downgrade/waive due to discrepancy Buyer Comment (2026-07-22): exception aprvl upld Reviewer Comment (2026-06-23): As per the guideline required [redacted]months reserves of PITIA. Required total reserve of $[redacted]([redacted] months total reserve [redacted]), Available reserve balance of $[redacted]. Required sufficient asset document to meet the remaining reserve requirement. Exception remains. Buyer Comment (2026-06-22): please cancel, the [redacted]#[redacted]statement on [redacted]verifies $[redacted]funds, this is more than sufficient to cover reserves. Reviewer Comment (2026-06-19): PITIA = $[redacted]. Reserve requirement as per lender exception is [redacted]Months PITIA $[redacted], which is more than the assets available for reserves $[redacted]. Buyer Comment (2026-06-17): The [redacted] #[redacted]has $[redacted]and the final cd has cash to close of $[redacted] [redacted] is remaining as reserves which is plenty Reviewer Comment (2026-05-21): Lender approved exception is for reserve approved for [redacted]months, calculated reserve is less than [redacted]months. |
07/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225638903 | [Redacted] | [Redacted] | 36541545 | 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. | Data discrepancy with DTI. Lender[redacted], Review [redacted]. The reason for the discrepancy is due to the credit debts. Calculated is [redacted]; however, 1008 has been calculated with [redacted]. Variance is due to child support. | Reviewer Comment (2026-07-31): Received updated 1008.Condition cleared. Buyer Comment (2026-07-30): rebuttal, updated worksheet, 1008, 1003 upld to trl docs Reviewer Comment (2026-07-24): Received updated exception for reduced reserves and reflecting the DTI is to be [redacted]%, however the DTI is at [redacted]%. Unable to downgrade/waive due to discrepancy Buyer Comment (2026-07-22): exception aprvl upld to trl docs Reviewer Comment (2026-06-23): Calculated DTI of [redacted]% which is less than the lender qualified DTI of [redacted]% due to final [redacted] present with the credit liability of $[redacted]and actual credit liability of $[redacted]. Required corrected 1008 document to reflect the corrected DTI value. Exception Remains. Buyer Comment (2026-06-22): please cancel, the [redacted] #[redacted]statement on [redacted]verifies $[redacted]funds, this is more than sufficient to cover reserves. Reviewer Comment (2026-06-19): Exception remains due to reserve requirement not met. PITIA = $[redacted]. Reserve requirement as per lender exception is [redacted]Months PITIA $[redacted], which is more than the assets available for reserves $[redacted]. Buyer Comment (2026-06-17): Per the child support order the monthly amount is [redacted] for [redacted]child and [redacted]for the other child |
07/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225638903 | [Redacted] | [Redacted] | 36541546 | 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. | Data discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for the discrepancy is due to the credit debts. Calculated is $[redacted]; however, [redacted]has been calculated with $[redacted]. Variance is due to child support. | Reviewer Comment (2026-07-31): Received updated 1008.Condition cleared. Buyer Comment (2026-07-30): rebuttal, updated worksheet, 1008, 1003 upld to trl docs Reviewer Comment (2026-07-24): Received updated exception for reduced reserves and reflecting the DTI is to be [redacted]%, however the DTI is at [redacted]%. Unable to downgrade/waive due to discrepancy Buyer Comment (2026-07-22): exception aprvl upld to trl docs Reviewer Comment (2026-06-23): Calculated DTI of [redacted]% which is less than the lender qualified DTI of [redacted]% due to final [redacted]present with the credit liability of $[redacted] and actual credit liability of $[redacted]. Required corrected [redacted]document to reflect the corrected DTI value. Exception Remains. Buyer Comment (2026-06-22): please cancel, the [redacted] #[redacted]statement on [redacted]verifies $[redacted]funds, this is more than sufficient to cover reserves. Reviewer Comment (2026-06-19): Exception remains due to reserve requirement not met. PITIA = $[redacted]. Reserve requirement as per lender exception is [redacted]Months PITIA $[redacted], which is more than the assets available for reserves $[redacted]. Buyer Comment (2026-06-17): Per the child support order the monthly amount is [redacted] for [redacted]child and [redacted] for the other child |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225638903 | [Redacted] | [Redacted] | 36541548 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 Changed Circumstance for this fee; no evidence of cure in file. | Reviewer Comment (2026-06-25): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-24): pccd docs upld |
06/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225638903 | [Redacted] | [Redacted] | 36541626 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reserves required for closing are [redacted] months. A manual exception has been raised. | Reviewer Comment (2026-07-24): Received updated exception approval for [redacted]in reserves. Condition cleared. Buyer Comment (2026-07-22): exception aprvl upld to trl docs Reviewer Comment (2026-06-24): 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]. Reviewer Comment (2026-06-23): As per the guideline required [redacted]months reserves of PITIA. Required total reserve of $[redacted]([redacted]months total reserve [redacted]), Available reserve balance of $[redacted]. Required sufficient asset document to meet the remaining reserve requirement. Exception remains. Buyer Comment (2026-06-22): please cancel, the [redacted]#[redacted]statement on [redacted]verifies $[redacted]funds, this is more than sufficient to cover reserves. Reviewer Comment (2026-06-19): PITIA = $[redacted]. Reserve requirement as per lender exception is [redacted]Months PITIA $[redacted], which is more than the assets available for reserves $[redacted]. Buyer Comment (2026-06-17): The [redacted] #[redacted]has $[redacted]and the final cd has cash to close of $[redacted] [redacted]-[redacted]= [redacted]is remaining as reserves which is plenty |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225638903 | [Redacted] | [Redacted] | 37060152 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Per lender exception approval, the max DTI is [redacted]%, however the debt ratio is at [redacted]%. | Reviewer Comment (2026-07-31): Received updated 1008. Condition cleared. Buyer Comment (2026-07-30): rebuttal, updated worksheet, 1008, 1003 upld to trl docs |
07/31/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225638903 | [Redacted] | [Redacted] | 37060163 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [redacted] | Per lender exception aprpoval, the max DTI is to be [redacted]%, however the DTI is at [redacted]%. | Reviewer Comment (2026-07-31): Received updated 1008.Condition cleared. Buyer Comment (2026-07-30): rebuttal, updated worksheet, 1008, 1003 upld to trl docs |
07/31/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 225638903 | [Redacted] | [Redacted] | 37129178 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Reviewer Comment (2026-08-11): Bid tape data has been updated. Exception cleared. Buyer Comment (2026-08-10): please clear, the bid tape has been updated. |
08/11/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||||
| 225647293 | [Redacted] | [Redacted] | 36563080 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under[redacted] | Reviewer Comment (2026-08-24): Received corrected note and guaranty agreement. Cleared. Buyer Comment (2026-08-20): Please see attached updated Note, Prepayment Addendum and Personal Guaranty Affidavit and Destroyed Note/Destroyed PPP Addendum Affidavit. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225647293 | [Redacted] | [Redacted] | 37329363 | 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] | EV2 exception for informational purposes only. May be waived. | Buyer Comment (2026-08-24): OK to waive per [redacted] |
08/24/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | N/A | N/A | No | |||||||||||||||
| 225647293 | [Redacted] | [Redacted] | 37329371 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File will require a lost note affidavit for the original, incorrect note. | Reviewer Comment (2026-08-25): Revised note and prepayment addendum associated. Exception cleared. Buyer Comment (2026-08-24): A lost Note Affidavit is not required as the Note was not lost, it was just signed incorrectly therefore we have provided a Destroyed Note/Destroyed PPP Addendum Affidavit which can be found in Trailing docs (previously submitted) |
08/25/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225652732 | [Redacted] | [Redacted] | 36572053 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-06-17): RCE received, exception cleared Buyer Comment (2026-06-16): Rce |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225653382 | [Redacted] | [Redacted] | 36656843 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument and Prepayment Rider were not found in file. | Reviewer Comment (2026-06-25): Security Instrument available, exception cleared Buyer Comment (2026-06-23): Please see security agreement in [redacted] (please note: these documents are a bit different than normal due to the property being a coop.) This type of security agreement does not reference a prepayment rider. |
06/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225653382 | [Redacted] | [Redacted] | 36656965 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Documentation to support proceeds from secured loan, as noted on the 1003, to meet [redacted] months reserves requirement is not located in the file. | Reviewer Comment (2026-06-25): Secured borrowed funds verified, exception cleared. Buyer Comment (2026-06-23): Please see attached Closing statement for simultaneous closing for Unit [redacted]showing borrower received cash back in the amount of $[redacted]. Sufficient to meet reserve requirements. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225653382 | [Redacted] | [Redacted] | 36664086 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for non-warrantable coop with excesssive delinquinces and [redacted] years consectutive net loss. | 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]%. |
Loan to Value:[redacted] Guideline Maximum Loan to Value: [redacted] |
SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-04): Client elects to waive wtih compensating factors. |
06/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||||
| 225653382 | [Redacted] | [Redacted] | 36664090 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for property is currently listed for sale. | 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]%. |
Loan to Value:[redacted] Guideline Maximum Loan to Value: [redacted] |
SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-04): Client elects to waive wtih compensating factors. |
06/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||||
| 225653969 | [Redacted] | [Redacted] | 36570012 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted] , prior to [redacted] ([redacted] ) business days from transaction date of [redacted]. | Reviewer Comment (2026-06-03): Post close closing disclosure received. Details verified and updated. Exception cleared. Seller Comment (2026-06-02): PCCD AND SETTLEMENT STATMENT WITH DISBURSEMENT DATE OF[redacted] Seller Comment (2026-06-02): FINAL POLICY |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225653969 | [Redacted] | [Redacted] | 36570023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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]Percent Fee Tolerance exceeded due to Title/ Lenders title insurance being disclosed as $[redacted]and then on final CD as of $[redacted]No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-06-10): [redacted] received valid changed circumstance. Seller Comment (2026-06-09): Please see attached COC for the disc pts Reviewer Comment (2026-06-09): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: [redacted] 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]) Reviewer Comment (2026-06-08): [redacted] received compliance report, however we require valid COC for increase of title- lenders insurance fee to $[redacted]or cure of $[redacted]is required for [redacted]% tolerance. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-06-05): Please read our Compliance report more carefully. The portion of the discount points that are considered bona fide and therefore, excludable, is $[redacted]. Total Points and Fees are only $[redacted]- NOT $[redacted]. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225653969 | [Redacted] | [Redacted] | 36570024 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 points disclosed as $[redacted]and then changed to $[redacted]on final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-06-10): [redacted] received valid changed circumstance. Seller Comment (2026-06-09): Please see attached COC for the disc pts Reviewer Comment (2026-06-08): [redacted] received compliance report, however we require valid COC for increase of loan discount points on CD dated [redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-06-05): Please read our Compliance report more carefully. The portion of the discount points that are considered bona fide and therefore, excludable, is $[redacted]. Total Points and Fees are only $[redacted]- NOT $[redacted]. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225653969 | [Redacted] | [Redacted] | 36570081 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-06-03): Final title policy received. Exception cleared. |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225653969 | [Redacted] | [Redacted] | 36570083 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Policy Amount of $[redacted]is less than the note amount of $[redacted]based on preliminary title. | Reviewer Comment (2026-06-03): Title policy amount updated from final title policy. Exception cleared. Seller Comment (2026-06-02): FINAL POLICY |
06/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225653971 | [Redacted] | [Redacted] | 36574547 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Require assets for closing to cover cash from borrower. | Reviewer Comment (2026-06-03): Received US based account along with the sourcing of the wire deposit in US dollars. Exception cleared. Seller Comment (2026-06-02): Account statement Seller Comment (2026-06-01): Please note there is $[redacted]earnest money deposit from borrower. See Earnest money deposit docs Seller Comment (2026-06-01): Can you please clarify where you are seeing that the borrower needed $[redacted]to close? They needed to bring $[redacted]to closing |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225653971 | [Redacted] | [Redacted] | 36578959 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | File contains evidence of the wire, however unable to locate the source of those funds along with the currency conversion chart as applicable. | Reviewer Comment (2026-06-03): Received US based account along with the sourcing of the wire deposit in US dollars. Exception cleared. Seller Comment (2026-06-02): Cash to close and serves verified. Transfer into US based account along with the sourcing of the wire deposit in US dollars |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225653971 | [Redacted] | [Redacted] | 36584359 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: ACH Verification not provided | Documentation is missing for ACH verification. | Reviewer Comment (2026-06-05): Received ACH document. Verified and updated details. Exception Cleared. Seller Comment (2026-06-04): ACH form Reviewer Comment (2026-06-03): Require ACH signed by borrowers. Exception remains Seller Comment (2026-06-01): Cash to close and serves verified. Transfer into US based account along with the sourcing of the wire deposit in US dollars |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225654167 | [Redacted] | [Redacted] | 36572950 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Calculated DSCR does not match with the Tape date DSCR. | Reviewer Comment (2026-06-04): Updated bid tape received. Reviewer Comment (2026-06-04): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted] Bid Tape DSCR: [redacted] Seller Comment (2026-06-04): Again, we don't have a bid tape, so I don't know which fields you are referring to, but DSCR ratio is [redacted], including HOA. Gross rent is $[redacted],(making STR [redacted]% qualifying rent $[redacted]) and monthly housing is $[redacted]= [redacted] Seller Comment (2026-06-03): ok so exactly what is needed to clear this? Our system has been updated to reflect [redacted]. These conditions should be only informational only. Reviewer Comment (2026-06-03): No new document received. DSCR discrepancy is populated in data compare screen which is Bid Tape Field value ([redacted]) vs Field value ([redacted]). Discrepancy is due to difference in HOA amount considered to calculate ratio. Exception remains. Seller Comment (2026-06-01): we did not use data tape, please advise |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225657387 | [Redacted] | [Redacted] | 36575571 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided | Rider -[redacted] Family is missing in the file. | Reviewer Comment (2026-06-02): Received [redacted] Family rider. Exception cleared. Seller Comment (2026-05-29): Rider |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225657387 | [Redacted] | [Redacted] | 36592209 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report is missing for co-borrower. | Reviewer Comment (2026-06-18): Corrected Note received, exception cleared Seller Comment (2026-06-17): Updated Note shipped to warehouse. Reviewer Comment (2026-06-02): [redacted] signed as an Individual so All documents are required. Seller Comment (2026-06-02): Please have this escalated for further review, this is not needed as he signed on behalf of the trust. Reviewer Comment (2026-06-02): Note was signed by [redacted] in individually capacity and as trustee. Require credit report for [redacted] as Note was signed individually. Exception remains. Seller Comment (2026-06-01): [redacted], Individually and as Trustee of the [redacted][redacted] trust is not a borrower. He is the Trustee who was required to sign at close as Trustee of the property and is not responsible for the Payment or the loan itself. Just as trustee. Seller Comment (2026-05-29): There is no Co-Borrower on the loan. Only [redacted] is on the mortgage Note |
06/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225657387 | [Redacted] | [Redacted] | 36592276 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The note reflects an addtional borrower who signed "indivually and as trustree". The final loan application for the co-borrower is not located in the file. | Reviewer Comment (2026-06-18): Corrected Note received, exception cleared Seller Comment (2026-06-17): Corrected Note shipped to Warehouse Reviewer Comment (2026-06-05): No new document received. Provide revised Note with correction in borrower designation. Exception remains. Seller Comment (2026-06-03): I've reached out to our rep requesting clarification. [redacted] is the Trustee - Can we get the original Note back & have [redacted] cross through & initial the correction OR can we get a corrected Original Note. [redacted] is a Trustee only, not a borrower or co-borrower. Reviewer Comment (2026-06-02): [redacted] signed as an Individual so All documents are required. Seller Comment (2026-06-02): please have this escalated for further review. Reviewer Comment (2026-06-02): Note was signed by [redacted] in individually capacity and as trustee. Require final loan application for [redacted] as Note was signed individually. Exception remains. Seller Comment (2026-05-29): [redacted], Individually and as Trustee of the [redacted] [redacted] trust is not a borrower. He is the Trustee who was required to sign at close as Trustee of the property and is not responsible for the Payment or the loan itself. Just as trustee. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225659047 | [Redacted] | [Redacted] | 36646464 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Reviewer Comment (2026-07-06): Received co-op documents as required. Exception cleared. Buyer Comment (2026-07-02): That is just one of the pages. Please review the file and reference the trailing docs. All pages of the abstract title (with is over [redacted]pages) has been uploaded however the your AI system has spread the documents all over the place. I can't call out every document number that is included. Reviewer Comment (2026-06-25): Provided form [redacted] as the Recognition Agreement; however, it does not evidence ownership or title verification. Exception Remains. Buyer Comment (2026-06-23): Please see Abstract Title in [redacted](please note: these documents are a bit different than normal due to the property being a coop.) |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225659047 | [Redacted] | [Redacted] | 36646473 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Reviewer Comment (2026-07-06): Received co-op documents as required. Exception cleared. Buyer Comment (2026-07-02): That is just one of the pages. Please review the file and reference the trailing docs. All pages of the abstract title (with is over [redacted]pages) has been uploaded however the your AI system has spread the documents all over the place. I can't call out every document number that is included. Reviewer Comment (2026-06-25): Provided form [redacted]as the Recognition Agreement; however, it does not evidence ownership or title verification. Exception Remains. Buyer Comment (2026-06-23): Please see Abstract Title in [redacted](please note: these documents are a bit different than normal due to the property being a coop.) |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225670136 | [Redacted] | [Redacted] | 36607300 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Provided Title Commitment is short of a policy coverage amount. Provide policy reflecting sufficient title policy coverage. | Reviewer Comment (2026-06-08): Updated title report received, exception cleared. Seller Comment (2026-06-05): UPDATED TITLE Seller Comment (2026-06-04): Updated Title Commitment |
06/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225670136 | [Redacted] | [Redacted] | 36607343 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The operating agreement is missing for the business entity listed in the note [Redacted]. | Reviewer Comment (2026-06-03): Received Operating Agreement, Article of incorporation and Certificate of Good Standing documents. Exception cleared. Seller Comment (2026-06-02): [redacted] Docs Seller Comment (2026-06-02): [redacted]Docs |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225670262 | [Redacted] | [Redacted] | 36590309 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Provided title commitment with the policy amount of $[redacted]is less than the note amount of $[redacted]. | Reviewer Comment (2026-06-03): Updated title commitment received, covering loan value. Seller Comment (2026-06-02): Updated Title commitment |
06/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225670262 | [Redacted] | [Redacted] | 36590326 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for the property #[redacted] | Reviewer Comment (2026-06-05): Received mortgage statement for property [redacted]. Exception Cleared. Seller Comment (2026-06-03): VOM for [redacted]. property Reviewer Comment (2026-06-03): Mortgage Statement of [redacted] is also required. Seller Comment (2026-06-02): VOM - Private mortgage |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225670849 | [Redacted] | [Redacted] | 36609791 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. | Most recent personal tax return for the year [redacted] has not been provided. | Reviewer Comment (2026-07-13): Received signed and dated most recent tax return [redacted]. Buyer Comment (2026-07-09): Please see signature pages to clear condition. Reviewer Comment (2026-06-16): The most recent tax return available for the borrower [redacted] has not been signed by the borrower. Exception remains. Buyer Comment (2026-06-13): Please review the tax returns again. On page [redacted] the borrowers signature and date are there. Please clear condition. Reviewer Comment (2026-06-05): The tax returns provided are not signed and dated by the borrower. Buyer Comment (2026-06-04): Please review pages [redacted] - all 1065 tax returns for [redacted]are uploaded. Please clear condition. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | Non QM | No | ||||||||||
| 225670849 | [Redacted] | [Redacted] | 36609792 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. | Waterfall exception due to QM points and fees. | Reviewer Comment (2026-07-13): Received signed and dated most recent tax return [redacted]. Buyer Comment (2026-07-09): Waterfall Reviewer Comment (2026-06-16): The most recent tax return available for the borrower [redacted] has not been signed by the borrower. Exception remains. Buyer Comment (2026-06-13): Waterfall. Please clear. Reviewer Comment (2026-06-05): The tax returns provided are not signed and dated by the borrower. Buyer Comment (2026-06-04): Waterfall. Please clear. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | Non QM | No | ||||||||||
| 225670849 | [Redacted] | [Redacted] | 36609793 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to missing most recent year's tax returns signed and third-party verification of employment with [Redacted] dated within 10 business days. | Reviewer Comment (2026-07-13): Received signed and dated most recent tax return [redacted]. |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NH | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | Non QM | No | ||||||||||
| 225670849 | [Redacted] | [Redacted] | 36609794 | 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] | Waterfall due to missing most recent year's tax returns signed. | Buyer Comment (2026-07-13): Previous condition cleared. Waiving to clear this one as well. Reviewer Comment (2026-07-13): Exception is an ATR informative [redacted](non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Buyer Comment (2026-07-09): Waterfall Reviewer Comment (2026-06-16): The most recent tax return available for the borrower [redacted] has not been signed by the borrower. Exception remains. Buyer Comment (2026-06-13): Waterfall. Please clear. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NH | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | Non QM | No | ||||||||||
| 225670849 | [Redacted] | [Redacted] | 36609797 | 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 [redacted]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. | Loan Estimate not delivered within [redacted] business days of application. | Reviewer Comment (2026-06-08): [redacted] received e-consent dated [redacted] Buyer Comment (2026-06-04): Please see attached |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | Non QM | No | ||||||||||
| 225670849 | [Redacted] | [Redacted] | 36609799 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 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 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 (2026-06-08): [redacted] received valid COC document Buyer Comment (2026-06-04): Loan program identified and rate reviewed. At this time, client elected for discount points. Valid COC. Please clear condition. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | 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 | N/A | Non QM | Yes | |||||||||
| 225670849 | [Redacted] | [Redacted] | 36609800 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-13): [redacted]received valid rebuttal comment and further review the supporting SSR report and COC dated [redacted] was already provided in the loan file to supports the addition of the subject fee. Buyer Comment (2026-07-09): Because there is no CU score on the SSRs, we had to order a CDA. Because the CDA was required, the appraisal review had to be ordered. Please clear condition. Reviewer Comment (2026-06-08): [redacted]received rebuttal, however COC dated [redacted] provided in file does not provide any information regarding program change as it only states additional services required. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-06-04): Appraisal review fee required per program. This was disclosed properly. Please clear condition. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | 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 | N/A | Non QM | Yes | |||||||||
| 225670849 | [Redacted] | [Redacted] | 36609830 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment is not provided within [redacted]business days of the Note. | Reviewer Comment (2026-06-05): Cleared. Military leave and earnings statement is located in the file. Buyer Comment (2026-06-04): Please see attached. |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | Non QM | No | ||||||||||
| 225670849 | [Redacted] | [Redacted] | 36609831 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of employment is not provided within [redacted]business days of the Note. | Reviewer Comment (2026-06-05): Cleared. Military leave and earnings statement is located in the file. Buyer Comment (2026-06-04): Waterfall |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | Non QM | No | ||||||||||
| 225670849 | [Redacted] | [Redacted] | 36609882 | 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 exception due to QM points and fees. | Reviewer Comment (2026-06-05): Cleared. Military leave and earnings statement is located in the file. Buyer Comment (2026-06-04): Waterfall |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | Non QM | No | ||||||||||
| 225670849 | [Redacted] | [Redacted] | 36628846 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. | Third-party verification and tax returns are missing. | Reviewer Comment (2026-07-13): Received signed and dated most recent tax return [redacted]. Buyer Comment (2026-07-09): Waterfall Reviewer Comment (2026-06-16): The most recent tax return available for the borrower [redacted] has not been signed by the borrower. Exception remains. Buyer Comment (2026-06-13): Waterfall. Please clear. Reviewer Comment (2026-06-05): The tax returns provided are not signed and dated by the borrower. Buyer Comment (2026-06-04): waterfall |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | Non QM | No | ||||||||||
| 225670849 | [Redacted] | [Redacted] | 36628847 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Partnership | Ability to Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. | Third-party verification and tax returns are missing. | Reviewer Comment (2026-07-13): Received signed and dated most recent tax return [redacted]. Buyer Comment (2026-07-09): waterfall Reviewer Comment (2026-06-16): The most recent tax return available for the borrower [redacted] has not been signed by the borrower. Exception remains. Buyer Comment (2026-06-13): Waterfall. Please clear. Reviewer Comment (2026-06-05): The tax returns provided are not signed and dated by the borrower. Buyer Comment (2026-06-04): Waterfall |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | B | C | A | C | B | A | A | N/A | Non QM | No | ||||||||||
| 225671502 | [Redacted] | [Redacted] | 36606606 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted] | Reviewer Comment (2026-07-20): Received revised note and guaranty agreement. Exception cleared. Buyer Comment (2026-07-16): Please see attached. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | A | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225671502 | [Redacted] | [Redacted] | 37019615 | 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] | Buyer Comment (2026-07-27): Waiving as EV2 Buyer Comment (2026-07-27): Please see attached Reviewer Comment (2026-07-24): Exception is an EV2 that is unable to be cleared by DD due to the primary borrower is not a corporation. Lender may waive. Buyer Comment (2026-07-22): I have the personal guarantor signed and the corrected note. Please clear condition. Reviewer Comment (2026-07-22): [redacted] loans that have a prepay contracted for with borrowers who are an Individual[redacted] or Trust will receive a [redacted]Prepay failure exception. Buyer Comment (2026-07-20): The note was signed in the name of the borrower. The PPP is allowed. Please clear condition. |
07/27/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Rate/Term | C | B | A | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225677412 | [Redacted] | [Redacted] | 36626324 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy is not provided in the file. | Reviewer Comment (2026-06-08): Final Title Policy received and associated. Exception cleared. |
06/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225677412 | [Redacted] | [Redacted] | 36626333 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of $[redacted]is less than the note amount of $[redacted]based on preliminary title. | Reviewer Comment (2026-06-08): Final Title Policy received and associated. Exception cleared. Seller Comment (2026-06-05): Final Title policy |
06/08/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Refinance - Rate/Term | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225677412 | [Redacted] | [Redacted] | 36626346 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 of $[redacted]was not disclosed on initial LE. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-06-18): [redacted]received VCC. Seller Comment (2026-06-18): As explained in the comment before, a screenshot was provided showing when the appraisal was uploaded by the broker which was on [redacted] - the COC and documentation was sent to the borrower [redacted]. Please review again. Reviewer Comment (2026-06-18): [redacted]acknowledged that the below comment for the appraisal report completed on [redacted]. But we also required documentation of timeline for review due as per available document the fee was not disclosed to borrower within that [redacted]-day timeline. Provide supporting document for review or Cure would be due to borrower. Seller Comment (2026-06-16): The appraisal report in the file is dated [redacted] as in the finding below) however this is wholesale so we are not aware of the report until the broker uploads it to the file, this happened on[redacted] (attached). The COC adding the final inspection was added to the [redacted] COC LE so we did disclose within [redacted]days of receipt of the appraisal. Seller Comment (2026-06-16): The appraisal report in the file is dated [redacted]as in the finding below) however this is wholesale so we are not aware of the report until the broker uploads it to the file, this happened on [redacted]. The COC adding the final inspection was added to the[redacted] COC LE so we did disclose within [redacted] days of receipt of the appraisal. Reviewer Comment (2026-06-16): [redacted]received rebuttal comment with supporting document for the CDA fee exception citing. But file does not receive any new document for the final inspection fee added on[redacted]. Additionally, the appraisal report with provided disclosure completed with subject to repair on [redacted], but the Final inspection fee was not added until [redacted]. This is outside of the required [redacted]-day timeline for notification of borrower. Cure is required. Seller Comment (2026-06-12): the loan program was not changed u[redacted] as evidence by the attached loan approvals and the screen shot for the Loan Activities screen in [redacted]. •[redacted] approval shows the loan type as Conventional Conforming [redacted] approval shows the program was changed to [redacted][redacted] Fixed Change was made on[redacted], and the CDA fee was added and disclosed compliantly on [redacted] Seller Comment (2026-06-12): the loan program was not changed u[redacted] as evidence by the attached loan approvals and the screen shot for the Loan Activities screen in [redacted] •[redacted] approval shows the loan type as Conventional Conforming [redacted] approval shows the program was changed to [redacted][redacted] Fixed Change was made on[redacted], and the CDA fee was added and disclosed compliantly on [redacted] Seller Comment (2026-06-12): the loan program was not changed u[redacted] as evidence by the attached loan approvals and the screen shot for the Loan Activities screen in [redacted] •[redacted] approval shows the loan type as Conventional Conforming [redacted] approval shows the program was changed to [redacted] [redacted] Fixed Change was made on[redacted], and the CDA fee was added and disclosed compliantly on [redacted] Seller Comment (2026-06-12): the loan program was not changed u[redacted] as evidence by the attached loan approvals and the screen shot for the Loan Activities screen in [redacted]. •[redacted] approval shows the loan type as Conventional Conforming [redacted] approval shows the program was changed to [redacted] [redacted] Fixed Change was made on[redacted], and the CDA fee was added and disclosed compliantly on [redacted] Reviewer Comment (2026-06-08): [redacted]appraisal report is dated [redacted] (completed[redacted]), however the appraisal re-inspection fee was added to the LE on[redacted], which exceeds the [redacted]-day disclosure requirement from the appraisal report date; therefore, a valid Change of Circumstance (COC) or cure is required. Cure must include a Closing Disclosure (PCCD), Letter of Explanation (LOE), refund check, and proof of mailing. Seller Comment (2026-06-05): [redacted] COC LE attached that disclosed the final inspection fee at $[redacted] Seller Comment (2026-06-05): [redacted] COC CD attached that disclosed the addition of the $[redacted]CDA fee |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225677412 | [Redacted] | [Redacted] | 36626347 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis fee of $[redacted]was not disclosed on final LE or initial CD. No change of circumstance or cure provided for borrower. | Reviewer Comment (2026-06-16): [redacted]received valid rebuttal comment with supporting document for the program changed to add the CDA fee. Seller Comment (2026-06-15): the loan program was not changed u[redacted] as evidence by the attached loan approvals and the screen shot for the Loan Activities screen in [redacted]. •[redacted] approval shows the loan type as Conventional Conforming [redacted] approval shows the program was changed to [redacted][redacted] Fixed Change was made on[redacted], and the CDA fee was added and disclosed compliantly on [redacted] Seller Comment (2026-06-15): the loan program was not changed u[redacted] as evidence by the attached loan approvals and the screen shot for the Loan Activities screen in [redacted]. •[redacted] approval shows the loan type as Conventional Conforming [redacted] approval shows the program was changed to [redacted] Access [redacted] Fixed Change was made on[redacted], and the CDA fee was added and disclosed compliantly on [redacted] Reviewer Comment (2026-06-08): [redacted]CDA fee was added on the Closing Disclosure dated[redacted], citing a loan type change to [redacted] Full Doc; however, the loan type was updated on [redacted] per file approval, and the fee should have been disclosed within [redacted]days of that approval. As the[redacted]day disclosure requirement was not met, a valid Change of Circumstance (COC) or cure is required. Cure must include a Principle-Cured Closing Disclosure (PCCD), Letter of Explanation (LOE), refund check, and proof of mailing. Seller Comment (2026-06-05): [redacted] COC CD attached that disclosed the addition of the $[redacted]CDA fee |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225677412 | [Redacted] | [Redacted] | 36629727 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for property type (subject is a[redacted] mixed use with a tenant that runs a daycare out of the [redacted] while borrower lives in the other) is approved. Per disposition, [redacted]% LTV max, [redacted]% DTI max, UW to document the lease for the [redacted]unit only for qualifying. UW to document the license of r the daycare business and confirm there are no outstanding violations. | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] The refinance has decreased the borrower's monthly debt payments by [redacted] The representative FICO score exceeds the guideline minimum by at least[redacted] |
Documentation Type: [redacted] Disposable Income: [redacted] Borrower has worked in the same position for more than [redacted] years. Loan Purpose: Refinance Monthly Debt Reduction: -[redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-02): Lender Exception with Compensating Factors provided. |
06/02/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Rate/Term | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225678412 | [Redacted] | [Redacted] | 36628033 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy due to Lender utilizing a higher income than reflected on source documents. Documentation to support $[redacted]other monthly income is not located in the file. | Reviewer Comment (2026-08-14): Received corrected income worksheet and calculated borrower business bank statement income match with the qualified income. Exception Cleared. Buyer Comment (2026-08-13): Correct [redacted] used for qualifying income Reviewer Comment (2026-07-23): Received the required bank statements, however the DTI remains a discrepancy. The lender is using a higher income for the primary employment of $[redacted], however the worksheet provided reflects the income that is supported of $[redacted]. Reviewer Comment (2026-07-23): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio:[redacted] Bid Tape Investor Qualifying Total Debt Ratio: [redacted] Buyer Comment (2026-07-21): #[redacted], this was a new account opened in [redacted] [redacted]. The source and seasoning are in the[redacted]account which has already been provided Reviewer Comment (2026-07-16): Required [redacted]-month bank statement for the account #[redacted]for asset utilization as per worksheet. Exception remains. Buyer Comment (2026-07-15): #[redacted] Reviewer Comment (2026-07-02): Exception remains. Received Asset depletion income worksheet and personal bank statements. which doesn't match accounts used on Asset depletion wkst. no statements provided for[redacted]. Buyer Comment (2026-07-01): PAU accounts Reviewer Comment (2026-06-24): Received Asset depletion income worksheet however please provide bank statements for used accounts of incomes, Exception remains. Buyer Comment (2026-06-23): Passive income utilization |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225678412 | [Redacted] | [Redacted] | 36628055 | 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 DTI discrepancy. | Reviewer Comment (2026-08-14): Received corrected income worksheet and calculated borrower business bank statement income match with the qualified income. Exception Cleared. Reviewer Comment (2026-06-24): Received Asset depletion income worksheet however please provide bank statements for used accounts of incomes, Exception remains. Buyer Comment (2026-06-23): See PAU |
08/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225678412 | [Redacted] | [Redacted] | 36628058 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Testing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted][redacted] days of the loan becoming an ARM. | ARM loan program disclosure was not provided to the borrower within three (3) days. | Reviewer Comment (2026-06-22): Loan program changed to ARM on [redacted] Buyer Comment (2026-06-18): Disclosure Tracking |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225678412 | [Redacted] | [Redacted] | 36628059 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing Testing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three [redacted]days of the loan becoming an ARM. | CHARM Booklet was not provided to the borrower within three [redacted] | Reviewer Comment (2026-06-22): Loan program changed to ARM on [redacted] Buyer Comment (2026-06-18): See disclosure tracking |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225678412 | [Redacted] | [Redacted] | 36628092 | 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 DTI discrepancy. | Reviewer Comment (2026-08-14): Received corrected income worksheet and calculated borrower business bank statement income match with the qualified income. Exception Cleared. Reviewer Comment (2026-06-24): Received Asset depletion income worksheet however please provide bank statements for used accounts of incomes, Exception remains. Buyer Comment (2026-06-23): See PAU |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225678412 | [Redacted] | [Redacted] | 36628093 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-01): Sufficient Cure Provided At Closing |
06/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225684280 | [Redacted] | [Redacted] | 36637762 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for this discrepancy is due to lender qualified with Note rate instead of Fully Indexed Rate (index + margin) over the life of the loan. | Reviewer Comment (2026-06-11): Received updated information regarding student loan payments. Condition cleared. Reviewer Comment (2026-06-11): Students loans are listed at [redacted] Data discrepancy with DTI. Lender DTI [redacted]%, Review DTI [redacted]%. The reason for this discrepancy is due to lender qualified with Note rate instead of Fully Indexed Rate (index + margin) over the life of the loan. Buyer Comment (2026-06-10): DTI, please check student loan payments, they are deferred with no payments, and the monthly payment can be lowered. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225684280 | [Redacted] | [Redacted] | 36637773 | 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 DTI discrepancy. | Reviewer Comment (2026-06-11): Received updated information regarding student loan payments. Condition cleared. |
06/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225684280 | [Redacted] | [Redacted] | 36637774 | 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 DTI discrepancy. | Reviewer Comment (2026-06-11): Received updated information regarding student loan payments. Condition cleared. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225684280 | [Redacted] | [Redacted] | 36637775 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 increased from $[redacted]to $[redacted]without any valid changed circumstances; no cure was provided. | Reviewer Comment (2026-06-24): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-06-23): PCCD, new check shipped, old one was lost Reviewer Comment (2026-06-11): Exception remains Please provide COC Insufficient or no cure was provided to the borrower Buyer Comment (2026-06-10): TRID |
06/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | VA | 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 | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225689612 | [Redacted] | [Redacted] | 36657882 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Difference in DTI is due to calculated income of $[redacted]and income utilized by lender is $[redacted]. | Reviewer Comment (2026-08-11): Bid Tape data updated to reflect new DTI which is within threshold limit, exception cleared. Buyer Comment (2026-08-07): please clear, bid tape has been updated Reviewer Comment (2026-08-05): Received updated 1008 and 1003, but the Bid Tape is still reflecting a DTI of [redacted]%, which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-08-04): revised 1008/1003 upld, dti is [redacted]% Reviewer Comment (2026-08-04): Received lender exception for a DTI of [redacted]%, however the DTI is at [redacted]%. DD is unable to downgrade/waive. Buyer Comment (2026-07-31): exception aprvl upld Reviewer Comment (2026-07-07): Total Social Security income for borrower is $[redacted]. After grossing up the non-taxable portion of $[redacted]%, the adjusted monthly income is $[redacted]. While total Social Security income for co borrower is $[redacted], with no gross-up applied. The total qualifying monthly income for both borrowers is $[redacted]. Calculated DTI is [redacted]% ([redacted]) which is not meeting the DTI threshold. Updated [redacted]is still showing incopme as $[redacted]Award letters support income of $[redacted]Exception remains. Reviewer Comment (2026-07-07): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio:[redacted] Bid Tape Investor Qualifying Total Debt Ratio: [redacted] Buyer Comment (2026-07-06): rebuttal upld Reviewer Comment (2026-06-29): Total Social Security income for borrower is $[redacted]. After grossing up the non-taxable portion of $[redacted]([redacted]%) by [redacted]%, the adjusted monthly income is $[redacted]. While total Social Security income for co borrower is $[redacted], with no gross-up applied. The total qualifying monthly income for both borrowers is $[redacted]. Calculated DTI is[redacted] which is not meeting the DTI threshold. Exception remains. Buyer Comment (2026-06-26): please cancel, [redacted]ssi was grossed up per guides. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225689612 | [Redacted] | [Redacted] | 36657900 | 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 DTI discrepancy. | Reviewer Comment (2026-08-11): Bid Tape data updated to reflect new DTI which is within threshold limit, exception cleared. Buyer Comment (2026-08-07): please clear, bid tape has been updated Reviewer Comment (2026-08-05): Received updated 1008 and 1003, but the Bid Tape is still reflecting a DTI of [redacted]%, which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-08-04): revised 1008/1003 upld to trl docs dti is [redacted]% Reviewer Comment (2026-08-04): Received lender exception for a DTI of [redacted]%, however the DTI is at [redacted]%. DD is unable to downgrade/waive. Buyer Comment (2026-07-31): exception aprvl upld to trl docs Reviewer Comment (2026-07-07): Total Social Security income for borrower is $[redacted]. After grossing up the non-taxable portion of $[redacted]([redacted]%) by [redacted]%, the adjusted monthly income is $[redacted]. While total Social Security income for co borrower is $[redacted], with no gross-up applied. The total qualifying monthly income for both borrowers is $[redacted]. Calculated DTI is [redacted]% ([redacted]) which is not meeting the DTI threshold. Updated 1008 is still showing incopme as $[redacted]Award letters support income of $[redacted]Exception remains. Buyer Comment (2026-07-06): rebuttal upld to trl docs Reviewer Comment (2026-06-29): Total Social Security income for borrower is $[redacted]. After grossing up the non-taxable portion of $[redacted] ([redacted]%) by [redacted]%, the adjusted monthly income is $[redacted]. While total Social Security income for co borrower is $[redacted], with no gross-up applied. The total qualifying monthly income for both borrowers is $[redacted]. Calculated DTI is [redacted]% ($[redacted]/$[redacted]) which is not meeting the DTI threshold. Exception remains. Buyer Comment (2026-06-26): please cancel, [redacted]ssi was grossed up per guides. |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NV | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225689612 | [Redacted] | [Redacted] | 36657901 | 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 DTI discrepancy. | Reviewer Comment (2026-08-11): Bid Tape data updated to reflect new DTI which is within threshold limit, exception cleared. Buyer Comment (2026-08-07): please clear, bid tape has been updated Reviewer Comment (2026-08-05): Received updated 1008 and 1003, but the Bid Tape is still reflecting a DTI of [redacted]%, which needs to be updated as DTI [redacted]% to clear the condition. Exception remains. Buyer Comment (2026-08-04): revised 1008/1003 upld to trl docs dti is [redacted]% Reviewer Comment (2026-08-04): Received lender exception for a DTI of [redacted]%, however the DTI is at [redacted]%. DD is unable to downgrade/waive. Buyer Comment (2026-07-31): exception aprvl upld to trl docs Reviewer Comment (2026-07-07): Total Social Security income for borrower is $[redacted]. After grossing up the non-taxable portion of [redacted] the adjusted monthly income is[redacted]. While total Social Security income for co borrower is [redacted], with no gross-up applied. The total qualifying monthly income for both borrowers is $[redacted]. Calculated DTI is [redacted]% ([redacted] which is not meeting the DTI threshold. Updated [redacted]is still showing incopme as $[redacted]Award letters support income of $[redacted]Exception remains. Buyer Comment (2026-07-06): rebuttal upld to trl docs Reviewer Comment (2026-06-29): Total Social Security income for borrower is $[redacted]. After grossing up the non-taxable portion of[redacted], the adjusted monthly income i[redacted] While total Social Security income for co borrower is $[redacted], with no gross-up applied. The total qualifying monthly income for both borrowers is $[redacted]. Calculated DTI is [redacted]which is not meeting the DTI threshold. Exception remains. Buyer Comment (2026-06-26): please cancel, [redacted]ssi was grossed up per guides. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225689612 | [Redacted] | [Redacted] | 36657917 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. | Loan estimate was not sent within [redacted]days of the application date. | Reviewer Comment (2026-07-09): [redacted]received LOX and LOS snip to verify receipt of purchase contract. The application date updated to [redacted] Buyer Comment (2026-07-08): rebuttal upld Reviewer Comment (2026-07-07): No new documents provided , exception remains [redacted]received rebuttal comment and as per the [redacted]referred to the application date should be [redacted] but as per purchase contract in file the it was executed on [redacted]. So the missing piece of information should have been received by that day. Please provide more details on when the lender has received all [redacted] pieces of information to trigger the application date. Buyer Comment (2026-07-06): there are initial application with a TBD address so a LE wasn't required, see [redacted] Reviewer Comment (2026-06-30): [redacted]received rebuttal comment and as per the [redacted]referred to the application date should be [redacted] but as per purchase contract in file the it was executed on [redacted]. So the missing piece of information should have been received by that day. Please provide more details on when the lender has received all [redacted] pieces of information to trigger the application date. Buyer Comment (2026-06-26): the application date was[redacted], the initial [redacted]s are on [redacted]and the le is on [redacted] Buyer Comment (2026-06-26): please disregard previous comment regarding income. Buyer Comment (2026-06-26): please cancel, [redacted]ssi was grossed up per guides. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225691905 | [Redacted] | [Redacted] | 36649996 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-03): Sufficient Cure Provided At Closing |
06/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225691905 | [Redacted] | [Redacted] | 36650988 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Missing evidence the gift funds were transferred to the borrower. Per guidelines, documentation such as one of the following is required to evidence gift funds are either in the donor's account or have been transferred from the donor's account to the applicant: A copy of the donor's check and the applicant's deposit slip; A copy of the donor's withdrawal slip and the applicant's deposit slip; A copy of the donor's check to the closing agent; or a settlement statement showing receipt of the donor's check. | Reviewer Comment (2026-08-11): Provided account statement with the account holder information and gift deposit proof evident in the statement. Exception Cleared. Buyer Comment (2026-08-10): Proof account belongs to borrowers Reviewer Comment (2026-07-02): Provided Bank statements show AUD[redacted] and AUD[redacted] credited, but unable to verify if this account belong to borrowers as no names are mentioned. Exception remains. Buyer Comment (2026-07-01): Gift receipts Reviewer Comment (2026-06-26): Source document of gift $[redacted]funds are either in the donor's account or have been transferred from the donor's account to the applicant is required. Exception remains. Buyer Comment (2026-06-24): All gifts |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225691905 | [Redacted] | [Redacted] | 36651104 | 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 (2026-08-14): Received required documentation. Condition cleared. |
08/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225691905 | [Redacted] | [Redacted] | 36651105 | 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 asset documentation. This exception will be cleared once all ATR-specific exceptions have been cured/cleared. | Reviewer Comment (2026-08-14): Received required documentation. Condition cleared. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225691905 | [Redacted] | [Redacted] | 36651106 | 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.) | ATR failure due to insufficient asset documentation. | Reviewer Comment (2026-08-14): Received required documentation. Condition cleared. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225691905 | [Redacted] | [Redacted] | 36651110 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | ATR failure due to insufficient asset documentation. | Reviewer Comment (2026-08-14): Received required documentation. Condition cleared. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225692760 | [Redacted] | [Redacted] | 36664248 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-04): Sufficient Cure Provided At Closing |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225692760 | [Redacted] | [Redacted] | 36664249 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-04): Sufficient Cure Provided At Closing |
06/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225692821 | [Redacted] | [Redacted] | 36664545 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification not provided for property [redacted] | Reviewer Comment (2026-06-09): HOA received and verified. Exception cleared Seller Comment (2026-06-08): HOA docs - please review |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225692845 | [Redacted] | [Redacted] | 36664339 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Property #[redacted]does not have tax certificate or hoa document since final 1003 present with the monthly payment of $[redacted]. Required sufficient document for the stated monthly expenses. | Reviewer Comment (2026-06-09): Tax certificate and HOA Document received and verified. Exception cleared. Seller Comment (2026-06-08): REO DOCS -PLEASE REVIEW |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225693857 | [Redacted] | [Redacted] | 36666822 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-09): E-Sign Consent Agreement received and verified. Exception cleared. Seller Comment (2026-06-08): ECONSENT |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225698096 | [Redacted] | [Redacted] | 36672208 | 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. | Initial rate lock date was not provided. | Reviewer Comment (2026-06-11): Document provided [redacted] Reviewer Comment (2026-06-11): Initial rate was locked on [redacted]. Required Initial Rate Lock document. Exception remains. Seller Comment (2026-06-10): Why is this needed? The lock information should be readily available from when it was locked with [redacted] Reviewer Comment (2026-06-10): Initial Rate Lock missing in loan file. Exception remains. Seller Comment (2026-06-09): lock in attached |
06/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225698107 | [Redacted] | [Redacted] | 36666742 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non 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. | No prepayment penalties are permissible in the state of [redacted]. | Reviewer Comment (2026-08-17): Received guarantor agreement. Exception cleared. Buyer Comment (2026-08-13): Please see updated Note where borrower has not signed as an individual on [redacted] loan with PPP. The Personal Guaranty Affidavit is provided and the destroyed Note Affidavit in relation to the original Note. |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 225698107 | [Redacted] | [Redacted] | 37241801 | 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 (2026-08-18): OK to waive per [redacted] |
08/18/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225701788 | [Redacted] | [Redacted] | 36672563 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash From Borrower. Cash from borrower of $[redacted]is greater than the assets used for qualification. Provide a recent bank statement that must cover at least [redacted]days. | Reviewer Comment (2026-07-06): Borrower has sufficient funds to close, however still short $[redacted]for reserves. Reviewer Comment (2026-07-06): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted]. Buyer Comment (2026-07-02): Please provide the deficient amount of reserves Reviewer Comment (2026-07-01): Additional reserves were received and updated for [redacted] Account - [redacted]and [redacted] Account - [redacted]however, the reserve requirement has still not been met, and further reserves are required. Exception Remains. Buyer Comment (2026-06-30): Here are additional reserves [redacted] and [redacted] |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225701788 | [Redacted] | [Redacted] | 36672564 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy is not provided in the file. | Reviewer Comment (2026-06-17): Received Title Final. Exception Cleared. |
06/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225701788 | [Redacted] | [Redacted] | 36672565 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Reviewer Comment (2026-06-17): Received Title Final. Exception Cleared. Buyer Comment (2026-06-15): Seller CD Buyer Comment (2026-06-15): Title |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225701788 | [Redacted] | [Redacted] | 36672572 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Available for Closing is insufficient to cover Cash From Borrower. Cash from borrower of $[redacted]is greater than the assets used for qualification. Provide a recent bank statement that must cover at least [redacted]days. | Borrower has been employed in the same industry for more than [redacted] Borrower has verified disposable income of at least [redacted] Borrower has worked in the same position for more than[redacted] Borrowers made a down payment from their own funds on this purchase transaction of 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. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-08): Lender Exception with Compensating Factors provided. [redacted]month of assets vs [redacted], funds from [redacted] #[redacted]and [redacted] #[redacted]and approve short reserve of $[redacted]. Buyer Comment (2026-07-07): Exception Reviewer Comment (2026-07-06): Borrower has sufficient funds to close, but is still $[redacted] short for reserves. Reviewer Comment (2026-07-06): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Calculated Available for Reserves of $[redacted]is less than Guideline Available for Reserves of $[redacted]. Reviewer Comment (2026-07-02): Please provide source of fund and deposit receipt proof of EMD $[redacted], also provided bank statement [redacted] #[redacted]and [redacted] #[redacted]are of [redacted]-month, require [redacted]days statement and same should reflect under final [redacted]which does not show this account. Reserve requirement not met. Reviewer Comment (2026-07-01): Additional reserves were received and updated for [redacted] Account - [redacted]and [redacted] Account - [redacted]however, the reserve requirement has still not been met, and further reserves are required. Exception Remains. Buyer Comment (2026-06-30): Here are additional reserves [redacted] and [redacted] |
07/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225701788 | [Redacted] | [Redacted] | 36672579 | 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. | Available for Closing is insufficient to cover Cash From Borrower. Cash from borrower of $[redacted]is greater than the assets used for qualification. Provide a recent bank statement that must cover at least [redacted]days. | Reviewer Comment (2026-07-01): Bank Statement provided. Exception cleared. Reviewer Comment (2026-07-01): Additional reserves were received and updated for [redacted] Account - [redacted]and [redacted] Account - [redacted]however, the reserve requirement has still not been met, and further reserves are required. Exception Remains. Buyer Comment (2026-06-30): Received confirmation from the attorney that the seller had no fees. Buyer Comment (2026-06-30): Here are additional reserves [redacted] and [redacted] |
07/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225701788 | [Redacted] | [Redacted] | 36672580 | 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. | Available for Closing is insufficient to cover Cash From Borrower. Cash from borrower of[redacted] is greater than the assets used for qualification. Provide a recent bank statement that must cover at least [redacted] | Reviewer Comment (2026-07-08): Lender Exception with Compensating Factors provided. [redacted]month of assets vs [redacted], funds from [redacted] #[redacted]and [redacted] #[redacted]and approve short reserve of $[redacted]. Buyer Comment (2026-07-07): Exception Reviewer Comment (2026-07-01): Additional reserves were received and updated for [redacted] Account - [redacted]and [redacted] Account - [redacted]however, the reserve requirement has still not been met, and further reserves are required. Exception Remains. Buyer Comment (2026-06-30): Here are additional reserves [redacted] and [redacted] |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225701788 | [Redacted] | [Redacted] | 36672582 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller's final CD contained fees not reflected on the consumer's CD. | Reviewer Comment (2026-07-10): [redacted] received seller CD. Buyer Comment (2026-07-09): Seller CD Reviewer Comment (2026-07-08): [redacted]received a Seller CD; however, the document contains a different property address and borrower information than the subject loan file. Please provide the correct Seller CD that corresponds to the subject property and borrower(s) for review. Ensure the revised document reflects the accurate loan details, including the correct property address, borrower name(s), and transaction information. The currently provided Seller CD cannot be used to support the loan file due to the data discrepancies. Otherwise, provide final seller settlement statement to verify the fees paid by seller at closing due to the sales contract states that the "Seller shall pay the [redacted] state transfer taxes". Buyer Comment (2026-07-06): Sellers CD Reviewer Comment (2026-07-02): [redacted]received rebuttal comment for no seller fees at closing. Please provide true and certified copy of final seller/combined settlement statement to verify seller has not paid any cost towards closing as, the purchase contract clause [redacted]says the seller is obligated to pay [redacted]State Transfer taxes. Buyer Comment (2026-06-30): We have confirmation from the attorney that there were no seller fees. Reviewer Comment (2026-06-16): [redacted]received copy of seller CD which is already available. However, no seller paid costs reflected. Required true and certified copy of Seller Settlement Statement to verify the fees paid by seller at closing as contract reflects seller liable for transfer taxes. Buyer Comment (2026-06-15): Seller Cd |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225701788 | [Redacted] | [Redacted] | 36867931 | 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. | Reserve requirements not met, additional funds required. | Reviewer Comment (2026-07-14): Loan is NonQM Buyer Comment (2026-07-10): Status Please Reviewer Comment (2026-07-08): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-07-07): 1003 Buyer Comment (2026-07-07): Exception Reviewer Comment (2026-07-02): Please provide source of fund and deposit receipt proof of EMD $[redacted], also provided bank statement [redacted] #[redacted]and [redacted] #[redacted]are of [redacted]-month, require [redacted]days statement and same should reflect under final 1003 which does not show this account. Reserve requirement not met. |
07/14/2026 | No | 1 | A | A | A | A | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225701788 | [Redacted] | [Redacted] | 36867932 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Reserve requirements not met, additional funds required. | Reviewer Comment (2026-07-08): Lender Exception with Compensating Factors provided. [redacted]month of assets vs [redacted], funds from [redacted] #[redacted]and [redacted] #[redacted]and approve short reserve of $[redacted]. Buyer Comment (2026-07-06): 1003 Reviewer Comment (2026-07-02): Please provide source of fund and deposit receipt proof of EMD $[redacted], also provided bank statement [redacted] #[redacted]and [redacted] #[redacted]are of[redacted]month, require [redacted]days statement and same should reflect under final 1003 which does not show this account. Reserve requirement not met. |
07/08/2026 | No | 1 | A | A | A | A | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225701902 | [Redacted] | [Redacted] | 36672512 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted] | Reviewer Comment (2026-08-17): Received corrected note. Cleared. Buyer Comment (2026-08-13): Please see updated Note where borrower has not signed as an individual on [redacted] loan with PPP. The Personal Guaranty Affidavit is provided and the destroyed Note Affidavit in relation to the original Note. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | B | A | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225701902 | [Redacted] | [Redacted] | 37243206 | 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] | This EV2 will still generate due to business entity is not a corporation. Lender may choose to waive. | Buyer Comment (2026-08-18): OK to Waive per [redacted] |
08/18/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Rate/Term | C | B | A | A | C | B | A | A | N/A | N/A | No | |||||||||||||||
| 225701902 | [Redacted] | [Redacted] | 37243213 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File will require a lost note affidavit for the original incorrect note signed at closing | Reviewer Comment (2026-08-20): Document provided Buyer Comment (2026-08-18): A lost Note Affidavit is not required as the Note was not lost. Please see corrected Destroyed Note Affidavit. |
08/20/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Rate/Term | C | B | A | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225702880 | [Redacted] | [Redacted] | 36676231 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-31): Heloc loan payment of $[redacted]verified from credit report, tax and insurance document provided to verify expenses. Exception cleared. Buyer Comment (2026-07-29): The outstanding loan on this property is a HELOC, a mortgage statement is not required. HELOC is verified on the credit report and tax and insurance is verified in the file. LOE from borrower stating no HOA in file. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 225702880 | [Redacted] | [Redacted] | 36676246 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The date was not provided on the third-party verification and CPA documentation for the business. | Reviewer Comment (2026-08-10): Received dated CPA document. Exception cleared. Buyer Comment (2026-08-06): Screen prints have always been accepted by [redacted]in the past. Please clear condition as we can not go to the CPA and ask them to back date a document. Reviewer Comment (2026-07-31): Third-party verification and CPA letter is missing the document date. The provided screenshot only confirms receipt by [redacted] and does not indicate the date the CPA letter was prepared. Please provide a dated CPA letter. Exception remains. Buyer Comment (2026-07-29): Please see attached printscreens showing the date the documents were uploaded to our system. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 225702880 | [Redacted] | [Redacted] | 36676273 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non 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. | Reviewer Comment (2026-08-17): Received corrected note. Cleared. Buyer Comment (2026-08-13): Please see updated Note where borrower has not signed as an individual on [redacted] loan with PPP. The Personal Guaranty Affidavit is provided and the destroyed Note Affidavit in relation to the original Note. |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 225702880 | [Redacted] | [Redacted] | 36676280 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The date was not provided on the third-party verification and CPA documentation for the business. | Reviewer Comment (2026-08-10): Received dated CPA document. Exception cleared. Buyer Comment (2026-08-06): Screen prints have always been accepted by [redacted]in the past. Please clear condition as we can not go to the CPA and ask them to back date a document. Reviewer Comment (2026-07-31): Third-party verification and CPA letter is missing the document date. The provided screenshot only confirms receipt by [redacted] and does not indicate the date the CPA letter was prepared. Please provide a dated CPA letter. Exception remains. Buyer Comment (2026-07-29): Please see attached printscreens showing the date the documents were uploaded to our system. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 225702880 | [Redacted] | [Redacted] | 37243179 | 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. | Even though the member signed as a guarantor, an [redacted]citing will still generate. Lender may waive. | Buyer Comment (2026-08-18): OK to waive per [redacted] |
08/18/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||||||
| 225702880 | [Redacted] | [Redacted] | 37243191 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File requires a lost note affidavit for the original note signed by borrower. | Reviewer Comment (2026-08-20): Cleared. Received detroyed note and prepayment addendum Buyer Comment (2026-08-18): A lost Note Affidavit is not required as the Note was not lost. Please see attached corrected Destroyed Note and PPP Addendum Affidavit |
08/20/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225709271 | [Redacted] | [Redacted] | 36683915 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Document date was not provided for CPA. Evidence of Access to Funds is required for account ending with[redacted] | Reviewer Comment (2026-08-20): Document provided Buyer Comment (2026-08-18): [redacted] has always accepted the screen print of undated letters showing when [redacted] received the document and uploaded it to our system. The screen print verifies that the CPA letter was provided within [redacted] days of Note date. As stated we have [redacted] other loans for this borrower that have all accepted this CPA letter/Screen Print. Please escalate this to management for review. Reviewer Comment (2026-08-12): Per guidelines, the CPA letter is required to be dated maximum [redacted] Days prior to Note Date. The letter provided is not dated and there is no documentation provided to verifiy when the letter was prepared by the CPA. Buyer Comment (2026-08-10): The CPA Letter was sent to the processor of [redacted] therefore this documentation is acceptable. We have [redacted] loans for this borrower, and this is the only loan that is not clearing the CPA letter. We do not hire out third parties to obtain our documents at [redacted], everything is done by a [redacted] employee. Reviewer Comment (2026-08-10): The CPA letter is from a third party and does not constitute independent verification by the lender. Kindly provide evidence confirming the date on the letter was provided, such as the email correspondence or email chain through which the document was submitted to the lender. Buyer Comment (2026-08-06): Please see screen print of CPA letter from our system showing when the document was received. Reviewer Comment (2026-07-31): Provided screen print shows the document uploaded date, however required CPA or Third party verification document with the document date. Exception Remains. Buyer Comment (2026-07-29): Please reference CPA letter [redacted]that shows borrower is [redacted]% owner of the business. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225709271 | [Redacted] | [Redacted] | 36683918 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date was not provided for CPA. | Reviewer Comment (2026-08-17): Cleared Reviewer Comment (2026-08-12): Per guidelines, the CPA letter is required to be dated maximum [redacted] Days prior to Note Date. The letter provided is not dated and there is no documentation provided to verifiy when the letter was prepared by the CPA. Buyer Comment (2026-08-10): The CPA Letter was sent to the processor of [redacted] therefore this documentation is acceptable. We have [redacted] loans for this borrower, and this is the only loan that is not clearing the CPA letter. We do not hire out third parties to obtain our documents at [redacted], everything is done by a [redacted] employee. Reviewer Comment (2026-08-10): The CPA letter is from a third party and does not constitute independent verification by the lender. Kindly provide evidence confirming the date on the letter was provided, such as the email correspondence or email chain through which the document was submitted to the lender. Buyer Comment (2026-08-06): Please see screen print of CPA letter from our system showing when the document was received. Reviewer Comment (2026-07-31): Provided screen print shows the document uploaded date, however required CPA or Third party verification document with the document date. Exception Remains. Buyer Comment (2026-07-29): Please see attached printscreens showing the date the documents were uploaded to our system. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| 225709271 | [Redacted] | [Redacted] | 36683930 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date was not provided for Third-Party Verification. | Reviewer Comment (2026-08-17): Cleared Reviewer Comment (2026-08-12): Per guidelines, the CPA letter is required to be dated maximum [redacted] Days prior to Note Date. The letter provided is not dated and there is no documentation provided to verifiy when the letter was prepared by the CPA. Buyer Comment (2026-08-10): The CPA Letter was sent to the processor of [redacted] therefore this documentation is acceptable. We have [redacted] loans for this borrower, and this is the only loan that is not clearing the CPA letter. We do not hire out third parties to obtain our documents at [redacted], everything is done by a [redacted] employee. Reviewer Comment (2026-08-10): The CPA letter is from a third party and does not constitute independent verification by the lender. Kindly provide evidence confirming the date on the letter was provided, such as the email correspondence or email chain through which the document was submitted to the lender. Buyer Comment (2026-08-06): Please see screen print of CPA letter from our system showing when the document was received. Screen prints have always been accepted in the past as this shows the date when we received the document and uploaded it to our system. We are unable (and it's illegal) to ask the CPA to back date a letter previously provided. Reviewer Comment (2026-07-31): Provided screen print shows the document uploaded date, however required CPA or Third party verification document with the document date. Exception Remains. Buyer Comment (2026-07-29): Please see attached printscreens showing the date the documents were uploaded to our system. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| 225709271 | [Redacted] | [Redacted] | 36683937 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Document date was not provided for CPA. Evidence of Access to Funds is required for account ending with [redacted] | Reviewer Comment (2026-08-20): Document provided Buyer Comment (2026-08-18): [redacted] has always accepted the screen print of undated letters showing when [redacted] received the document and uploaded it to our system. The screen print verifies that the CPA letter was provided within [redacted] days of Note date. As stated we have [redacted] other loans for this borrower that have all accepted this CPA letter/Screen Print. Please escalate this to management for review. Reviewer Comment (2026-08-12): Per guidelines, the CPA letter is required to be dated maximum [redacted] Days prior to Note Date. The letter provided is not dated and there is no documentation provided to verifiy when the letter was prepared by the CPA. Buyer Comment (2026-08-10): The CPA Letter was sent to the processor of [redacted] therefore this documentation is acceptable. We have [redacted] loans for this borrower, and this is the only loan that is not clearing the CPA letter. We do not hire out third parties to obtain our documents at [redacted], everything is done by a [redacted] employee. Reviewer Comment (2026-08-10): The CPA letter is from a third party and does not constitute independent verification by the lender. Kindly provide evidence confirming the date on the letter was provided, such as the email correspondence or email chain through which the document was submitted to the lender. Buyer Comment (2026-08-06): Please see screen print of CPA letter from our system showing when the document was received. Screen prints have always been accepted in the past as this shows the date when we received the document and uploaded it to our system. We are unable (and it's illegal) to ask the CPA to back date a letter previously provided. Reviewer Comment (2026-07-31): Provided screen print shows the document uploaded date, however required CPA or Third party verification document with the document date. Exception Remains. Buyer Comment (2026-07-29): Please reference CPA letter [redacted]that shows borrower is [redacted]% owner of the business. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225709271 | [Redacted] | [Redacted] | 36683943 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Provided CPA and TPV do not have a document date. CPA or TPV is required within [redacted]calendar days of note for employer [redacted] | Reviewer Comment (2026-08-20): Document provided Buyer Comment (2026-08-18): [redacted] has always accepted the screen print of undated letters showing when [redacted] received the document and uploaded it to our system. The screen print verifies that the CPA letter was provided within [redacted] days of Note date. As stated we have [redacted] other loans for this borrower that have all accepted this CPA letter/Screen Print. Please escalate this to management for review. Reviewer Comment (2026-08-12): Per guidelines, the CPA letter is required to be dated maximum [redacted] Days prior to Note Date. The letter provided is not dated and there is no documentation provided to verifiy when the letter was prepared by the CPA. Buyer Comment (2026-08-10): The CPA Letter was sent to the processor of [redacted] therefore this documentation is acceptable. We have [redacted] loans for this borrower, and this is the only loan that is not clearing the CPA letter. We do not hire out third parties to obtain our documents at [redacted], everything is done by a [redacted] employee. Reviewer Comment (2026-08-10): The CPA letter is from a third party and does not constitute independent verification by the lender. Kindly provide evidence confirming the date on the letter was provided, such as the email correspondence or email chain through which the document was submitted to the lender. Buyer Comment (2026-08-06): Please see screen print of CPA letter from our system showing when the document was received. Screen prints have always been accepted in the past as this shows the date when we received the document and uploaded it to our system. We are unable (and it's illegal) to ask the CPA to back date a letter previously provided. Reviewer Comment (2026-07-31): Provided screen print shows the document uploaded date, however required CPA or Third party verification document with the document date. Exception Remains. Buyer Comment (2026-07-29): Please see attached printscreens showing the date the documents were uploaded to our system. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225709271 | [Redacted] | [Redacted] | 36683954 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted] | No prepayment penalties are permissible in the state of [redacted] under [redacted] | Reviewer Comment (2026-08-17): Note Addendum Buyer Comment (2026-08-13): Please see updated Note where borrower has not signed as an individual on [redacted] loan with PPP. The Personal Guaranty Affidavit is provided and the destroyed Note Affidavit in relation to the original Note. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| 225709271 | [Redacted] | [Redacted] | 36718094 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Please provide mortgage statements for both 1st and 2nd mortgage | Reviewer Comment (2026-07-31): Credit report present with the mortgage payment, tax and insurance are updated from the document. Exception Cleared. Buyer Comment (2026-07-29): The only outstanding loan on this property is a HELOC, a mortgage statement is not required. HELOC is verified on the credit report and tax and insurance is verified in the file. LOE from borrower stating no HOA in file. Proof [redacted]lien paid off in file |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||
| 225709271 | [Redacted] | [Redacted] | 37243233 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Reviewer Comment (2026-08-20): Document provided Buyer Comment (2026-08-19): CR Buyer Comment (2026-08-18): Borrower's credit score is [redacted]and [redacted] is greater than [redacted]. Please cancel this condition. |
08/20/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | |||||||||||||||||
| 225709271 | [Redacted] | [Redacted] | 37288928 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - PPP | Reviewer Comment (2026-08-20): Document provided Buyer Comment (2026-08-19): [redacted] respectfully disagrees with [redacted]Prepayment Penalty designation Please review PPP Rider ([redacted]) and generate exception if necessary. Thanks! |
08/20/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225709271 | [Redacted] | [Redacted] | 37295341 | 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] | Buyer Comment (2026-08-20): Ok to waive per [redacted] |
08/20/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225711002 | [Redacted] | [Redacted] | 36695891 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-06-15): E-sign Consent Agreement received. Exception Cleared. Seller Comment (2026-06-11): E Consent |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225711002 | [Redacted] | [Redacted] | 36695893 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes. Missing documented and/or does not meet guideline requirements. | - | Reviewer Comment (2026-06-17): Received corrected revised 1003 of co-borrower, information validated. Exception Cleared. Seller Comment (2026-06-16): 1003 Seller Comment (2026-06-16): Please see attached 1003 and e-mail |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225711002 | [Redacted] | [Redacted] | 36695894 | Credit | Missing Document | General | Missing Document | Missing Document: Ground Lease not provided | Reviewer Comment (2026-06-15): There is no ground lease on this property, exception cleared Seller Comment (2026-06-11): The attached proves there is no ground lease. Seller Comment (2026-06-11): COOP Proprietary Lease |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225711005 | [Redacted] | [Redacted] | 36685965 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-01): E-Sign Consent Agreement received -Exception cleared Buyer Comment (2026-06-30): eConsent |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225711005 | [Redacted] | [Redacted] | 36686057 | 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. | CPA Letter or Business License or Third-Party Verification document is not available in file for Co-Borrower's business as "[redacted]". | Reviewer Comment (2026-07-23): Received post dated business license and re-designated to "QM Safe Harbor APOR". Exception cleared. |
07/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | HI | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225711005 | [Redacted] | [Redacted] | 36686058 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | CPA Letter or Business License or Third-Party Verification document is not available in file for Co-Borrower's business as "[redacted]". | Reviewer Comment (2026-07-06): Business License document provided for the Co-borrower schedule C income. Exception Cleared. Buyer Comment (2026-07-02): Business |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225711005 | [Redacted] | [Redacted] | 36686059 | 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 (2026-07-23): Received post dated business license and re-designated to "QM Safe Harbor APOR". Exception cleared. |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | HI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225711005 | [Redacted] | [Redacted] | 36686060 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | CPA Letter or Business License or Third-Party Verification document is not available in file for Co-Borrower's business as[redacted] | Reviewer Comment (2026-07-23): Received post dated business license and re-designated to "QM Safe Harbor APOR". Exception cleared. |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | HI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225711005 | [Redacted] | [Redacted] | 36686061 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Lender Credits Fee was last disclosed as -$[redacted]on LE 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 a valid COC. Buyer Comment (2026-07-21): Rebuttal for part of cure, need to confirm final cure of $[redacted] |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225711005 | [Redacted] | [Redacted] | 36686161 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception Requested for non warrantable condo:[redacted]DTI Max. Subject to a [redacted]. Subject to meeting all other [redacted] guideline requirements. Any loan attribute limit listed above is a requirement to maintain the exception approval. Nature of Exception: The loan team has asked for a rush review. This is a NQM exception on a condo that has an incomplete plumbing repair project. The loan is locked with [redacted] Financial. Please consider this for an exception. | 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. |
Documentation Type: [redacted] Bank Statement Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-01): Client elects to waive with compensating factors. Buyer Comment (2026-06-30): exception |
07/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | HI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||
| 225711005 | [Redacted] | [Redacted] | 36718670 | 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.) | No CPA or third-party verification in file for Massage Therapy business. | Reviewer Comment (2026-07-23): Received post dated business license and re-designated to "QM Safe Harbor APOR". Exception cleared. Buyer Comment (2026-07-21): Please redesignate QM Safe Harbor APOR Reviewer Comment (2026-07-08): Received postdated business license. Required third party verification/business license of self-employment prior to the Note Date. Exception Remains. Buyer Comment (2026-07-07): Business license |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225711005 | [Redacted] | [Redacted] | 36718678 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | No third-party or CPA verification for massage therapy business in file. | Reviewer Comment (2026-07-23): Received post dated business license. Exception cleared. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225711005 | [Redacted] | [Redacted] | 36718724 | 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. | No third-party verification for Massage Therapy in file. | Reviewer Comment (2026-07-23): Received post dated business license and re-designated to "QM Safe Harbor APOR". Exception cleared. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225711005 | [Redacted] | [Redacted] | 37049608 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall due to P&L Statement signed and dated by CPA is required. | Reviewer Comment (2026-08-11): Loan is SHQM(APOR) Reviewer Comment (2026-08-11): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-08-07): CPA is not used on a Sch C business Reviewer Comment (2026-08-07): Provided P&L was prepared by the borrower and does not meet documentation requirements. Provide an audited P&L prepared and signed by a CPA. Exception remains. Buyer Comment (2026-08-05): Sch C , P&L |
08/11/2026 | No | 1 | A | A | A | A | A | HI | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 225711005 | [Redacted] | [Redacted] | 37049610 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | P&L Statement signed and dated by CPA is required. | Reviewer Comment (2026-08-11): Documentation meets lender guides. Loan designation restated to Safe Harbor. Condition cleared. |
08/11/2026 | No | 1 | A | A | A | A | A | HI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225711005 | [Redacted] | [Redacted] | 37049611 | 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 QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to P&L Statement signed and dated by CPA is required. | Reviewer Comment (2026-08-11): Signification doc received |
08/11/2026 | No | 1 | A | A | A | A | A | HI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225711005 | [Redacted] | [Redacted] | 37202476 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Loan is SHQM(APOR) | Buyer Comment (2026-08-11): Ok to waive |
08/11/2026 | No | 2 | A | B | B | B | A | HI | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225716534 | [Redacted] | [Redacted] | 36696598 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Partnership Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than [redacted]days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | ATR failure due to missing income documentation: Third-party verification of employment not provided for [redacted] | Reviewer Comment (2026-07-30): Per client, redesignate to SHQM Buyer Comment (2026-07-28): It would be redesignated as Safe Harbor QM APOR Reviewer Comment (2026-07-28): Please provide specific QM designation reqested. Buyer Comment (2026-07-24): Please redesignate loan as QM. Reviewer Comment (2026-07-22): This is a Non QM loan exception remains Buyer Comment (2026-07-20): Post close VOEs are permissible on QM loans. This is a QM loan. Please clear condition. Reviewer Comment (2026-07-17): Provided verbal verification is post note date, please provide document within [redacted]calendar days prior to the note date. Buyer Comment (2026-07-15): Please see attached. Reviewer Comment (2026-07-11): Provided verbal verification of employment is acceptable however document date is missing, require document date to consider. Buyer Comment (2026-07-09): Please see attached. Reviewer Comment (2026-06-15): Please provide Third party verification document which verifiy borrower active status and start date of business, Exception Remains. Buyer Comment (2026-06-12): Please see page [redacted]of the [redacted]tax returns which has all the information pertaining to [redacted] Also see page [redacted]which is the[redacted] for [redacted]. This was signed on[redacted] which is not [redacted]days since the loan was closed. Please clear condition. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225716534 | [Redacted] | [Redacted] | 36696602 | 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. | ATR failure due to missing income documentation: Third-party verification of employment not provided for [redacted] | Reviewer Comment (2026-07-30): Per client, redesignate to SHQM Reviewer Comment (2026-07-22): This is a Non QM loan exception remains Buyer Comment (2026-07-20): Waterfall Reviewer Comment (2026-07-17): Provided verbal verification is post note date, please provide document within [redacted]calendar days prior to the note date. Buyer Comment (2026-07-15): Waterfall Reviewer Comment (2026-07-11): Provided verbal verification of employment is acceptable however document date is missing, require document date to consider. Buyer Comment (2026-07-09): Waterfall Reviewer Comment (2026-06-15): Please provide Third party verification document which verifiy borrower active status and start date of business, Exception Remains. Buyer Comment (2026-06-12): Waterfall |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225716534 | [Redacted] | [Redacted] | 36696603 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing income documentation: Third-party verification of employment not provided for [redacted] | Reviewer Comment (2026-07-30): Per client, redesignate to SHQM Reviewer Comment (2026-07-17): Provided verbal verification is post note date, please provide document within [redacted]calendar days prior to the note date. Reviewer Comment (2026-07-11): Provided verbal verification of employment is acceptable however document date is missing, require document date to consider. |
07/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225716534 | [Redacted] | [Redacted] | 36720964 | 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.) | ATR failure due to missing income documentation: Third-party verification of employment not provided for [redacted] | Reviewer Comment (2026-07-30): Per client, redesignate to SHQM Reviewer Comment (2026-07-22): This is a Non QM loan exception remains Buyer Comment (2026-07-20): Waterfall Reviewer Comment (2026-07-17): Provided verbal verification is post note date, please provide document within [redacted]calendar days prior to the note date. Buyer Comment (2026-07-15): Waterfall Reviewer Comment (2026-07-11): Provided verbal verification of employment is acceptable however document date is missing, require document date to consider. Buyer Comment (2026-07-09): Waterfall Reviewer Comment (2026-06-15): Please provide Third party verification document which verifiy borrower active status and start date of business, Exception Remains. Buyer Comment (2026-06-12): Waterfall |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225716534 | [Redacted] | [Redacted] | 36720965 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third-party verification of employment not provided for[redacted] | Reviewer Comment (2026-07-30): Client redesignated to SHQM Reviewer Comment (2026-07-22): This is a Non QM loan exception remains Buyer Comment (2026-07-20): Waterfall Reviewer Comment (2026-07-17): Provided verbal verification is post note date, please provide document within [redacted]calendar days prior to the note date. Buyer Comment (2026-07-15): Waterfall Reviewer Comment (2026-07-11): Provided verbal verification of employment is acceptable however document date is missing, require document date to consider. Buyer Comment (2026-07-09): Waterfall Reviewer Comment (2026-06-15): Please provide Third party verification document which verifiy borrower active status and start date of business, Exception Remains. Buyer Comment (2026-06-12): Waterfall |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225716534 | [Redacted] | [Redacted] | 36720966 | 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 missing income documentation: Third-party verification of employment not provided for [redacted]. | Reviewer Comment (2026-07-30): Per client, redesignate to SHQM Reviewer Comment (2026-07-22): This is a Non QM loan exception remains Buyer Comment (2026-07-20): Waterfall Reviewer Comment (2026-07-17): Provided verbal verification is post note date, please provide document within [redacted]calendar days prior to the note date. Buyer Comment (2026-07-15): Waterfall Reviewer Comment (2026-07-11): Provided verbal verification of employment is acceptable however document date is missing, require document date to consider. Buyer Comment (2026-07-09): Waterfall Reviewer Comment (2026-06-15): Please provide Third party verification document which verifiy borrower active status and start date of business, Exception Remains. Buyer Comment (2026-06-12): Waterfall |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225716534 | [Redacted] | [Redacted] | 37110267 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Partnership | General QM: Unable to verify current Partnership status using reasonably reliable third-party records. | Reviewer Comment (2026-07-30): Client redesignated to SHQM |
07/30/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225716534 | [Redacted] | [Redacted] | 37110268 | 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 QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-07-30): Per client, redesignate to SHQM |
07/30/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225716534 | [Redacted] | [Redacted] | 37110371 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Per client, redesignate to SHQM | Buyer Comment (2026-07-30): Please waive per CNR |
07/30/2026 | No | 2 | A | B | B | B | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225716948 | [Redacted] | [Redacted] | 36713967 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Telephone Listing / Internet Search Document Date is blank. please provide the document date. | Reviewer Comment (2026-06-16): Telephone Listing / Internet Search / Directory Assistance not a mandatory document. Exception cleared. Seller Comment (2026-06-15): ATR |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225716948 | [Redacted] | [Redacted] | 36713971 | 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 missing date for Internet search document causing loan designation mismatch. | Reviewer Comment (2026-06-16): Telephone Listing / Internet Search / Directory Assistance not a mandatory document. Exception cleared Reviewer Comment (2026-06-15): Telephone Listing /Internet search document date missing in loan file. Exception remains. Seller Comment (2026-06-12): ATR |
06/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225716948 | [Redacted] | [Redacted] | 36713976 | 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 missing date for Internet search document. | Reviewer Comment (2026-06-16): Telephone Listing / Internet Search / Directory Assistance not a mandatory document. Exception cleared Reviewer Comment (2026-06-15): Telephone Listing /Internet search document date missing in loan file. Exception remains. Seller Comment (2026-06-12): ATR |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225717024 | [Redacted] | [Redacted] | 36723962 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | File is missing the fully executed Deed transferring the property to the business entity borrower. | Reviewer Comment (2026-08-20): Deed transferring the property to the business entity borrower, cleared Buyer Comment (2026-08-20): Docs |
08/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | DE | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225718206 | [Redacted] | [Redacted] | 36714302 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Income $[redacted]Calculated Monthly Debt[redacted] | Reviewer Comment (2026-06-12): Updated bid tape received. Reviewer Comment (2026-06-12): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted] Bid Tape DSCR: [redacted] |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225725714 | [Redacted] | [Redacted] | 36721325 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | HUD/Closing Disclosure/Final Closing Statement is missing for [redacted]property sold. | Reviewer Comment (2026-07-30): Received seller closing statement utilized the cash to borrower amount for the closing and reserve. Exception Cleared. Buyer Comment (2026-07-28): [redacted] Received CD for [redacted]property from title, uploaded to investor for review. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225725714 | [Redacted] | [Redacted] | 36721336 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] 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. | Reviewer Comment (2026-07-30): Received appraisal notice for the recent appraisal. Exception Cleared. Buyer Comment (2026-07-28): Please see attached Screen print showing appraisal was sent to borrower. Reviewer Comment (2026-07-28): The revised appraisal is not needed to be provided within [redacted] days prior to close, but it needs to be provided to the borrower to be HPML compliant. Please provide evidence of delivery of the revised appraisal. Buyer Comment (2026-07-24): The appraisal dated[redacted] was for clerical corrections only. [redacted]of the comp photos didn't upload to the appraisal. Appraisals re-issued due to clerical corrections are not required to be provided [redacted] days prior to close. Both appraisals are included in Acuity to confirm there were no other changes made. Reviewer Comment (2026-07-14): Delivery document Doc ID [redacted]is for preliminary appraisal report dated [redacted] Evidence of delivery revised appraisal report dated [redacted] is required. Exception remains. Buyer Comment (2026-07-11): Please see [redacted]for proof of delivery of appraisal and [redacted]for proof of delivery of CDA |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225725714 | [Redacted] | [Redacted] | 36721337 | 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 [redacted] ([redacted]) business days prior to consummation. | Reviewer Comment (2026-07-30): Received appraisal notice for the recent appraisal. Exception Cleared. Reviewer Comment (2026-07-28): The revised appraisal is not needed to be provided within [redacted] days prior to close, but it needs to be provided to the borrower to be HPML compliant. Please provide evidence of delivery of the revised appraisal. Buyer Comment (2026-07-24): The appraisal dated [redacted] was for clerical corrections only. [redacted] of the comp photos didn't upload to the appraisal. Appraisals re-issued due to clerical corrections are not required to be provided [redacted] days prior to close. Both appraisals are included in Acuity to confirm there were no other changes made. Reviewer Comment (2026-07-14): Delivery document Doc ID [redacted] is for preliminary appraisal report dated [redacted]. Evidence of delivery revised appraisal report dated [redacted] is required. Exception remains. Buyer Comment (2026-07-11): Please see [redacted]for proof of delivery of appraisal and [redacted]for proof of delivery of CDA |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225725714 | [Redacted] | [Redacted] | 36721341 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for[redacted]Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | TX Guaranty 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 COC for this fee, nor evidence of cure in the file. | Reviewer Comment (2026-07-27): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-07-24): Please see attached Cure Check, PCCD, Cover Letter and proof [redacted] delivered. |
07/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 225725714 | [Redacted] | [Redacted] | 36730558 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Failure due to missing the final closing statement from the sale of the departure home. Once received, the loan will be re-ran to determine sufficient reserves. | Reviewer Comment (2026-07-30): Received seller closing statement utilized the cash to borrower amount for the closing and reserve. Exception Cleared. Buyer Comment (2026-07-28): Please see attached Screen print showing appraisal was sent to borrower. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225725714 | [Redacted] | [Redacted] | 36730569 | 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. | Failure due to missing the final closing statement from the sale of the departure home. Once received, the loan will be re-ran to determine sufficient reserves. | Reviewer Comment (2026-07-30): Received seller closing statement utilized the cash to borrower amount for the closing and reserve. Exception Cleared. Buyer Comment (2026-07-28): Please see attached Screen print showing appraisal was sent to borrower. |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225725714 | [Redacted] | [Redacted] | 36730570 | 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. | Failure due to missing the final closing statement from the sale of the departure home. Once received, the loan will be re-ran to determine sufficient reserves. | Reviewer Comment (2026-07-30): Received seller closing statement utilized the cash to borrower amount for the closing and reserve. Exception Cleared. Buyer Comment (2026-07-28): Please see attached Screen print showing appraisal was sent to borrower. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225727664 | [Redacted] | [Redacted] | 36721214 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Credit Report 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 but was cure provided 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 | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225730875 | [Redacted] | [Redacted] | 36722816 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Recording fee of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. No valid COC. | Reviewer Comment (2026-08-11): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-10): Cure Docs Reviewer Comment (2026-07-30): [redacted]require total cure of $[redacted]whereas the cure provided on Final CD is $[redacted]which is insufficient to cure the [redacted]% exception. Therefore, kindly provide additional cure of $[redacted]along with cure documents Post CD,LOX and Copy of refund check in order to cure the exception. Buyer Comment (2026-07-29): Per email the cure amount is $[redacted]. The required cure calculation is as follows: Original disclosed fee: $[redacted] 10% tolerance threshold: [redacted] Final charged fee: $[redacted] Cure amount due: [redacted] Reviewer Comment (2026-07-20): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted]plus [redacted]% or [redacted] over legal limit. Insufficient or no cure was provided to the borrower.[redacted] Reviewer Comment (2026-07-16): [redacted] received rebuttal, however we require valid COC document for increase of recording fee. Please provide valid COC document with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-15): [redacted]shows POA [redacted] which was one day before redisclosing on [redacted] CD. Buyer Comment (2026-07-15): Please see uploads. There was POA and [redacted] Residential Mortgage Act charge that wasn't known prior to LE. Once this was known we increased the charges and disclosed. See [redacted]CD and when we received POA information. Reviewer Comment (2026-07-13): [redacted]received Post CD along with LOX by moving title fees to section [redacted].However, the recording fee increased from[redacted] on CD dated [redacted]Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-07-10): PCCD LOX Buyer Comment (2026-07-10): Attestation |
08/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Second Home | 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 | |||||||||
| 225738212 | [Redacted] | [Redacted] | 36732927 | 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 provided in Title Preliminary report. | Reviewer Comment (2026-06-25): Received proposed insured letter for amount. Exception cleared. Buyer Comment (2026-06-23): Title |
06/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225738212 | [Redacted] | [Redacted] | 36732945 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure[redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted] | Seller Fees not provided on Final Closing Disclosure issued on[redacted] | Reviewer Comment (2026-06-24): [redacted] received a seller CD with seller paid closing costs. Buyer Comment (2026-06-23): CD |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225738212 | [Redacted] | [Redacted] | 36732946 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Appraisal 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 | CA | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225738212 | [Redacted] | [Redacted] | 36732967 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception provided for Insufficient Master Policy property coverage @[redacted]%. With Comp Factor LTV/CLTV [redacted]% below maximum and Residual Income exceeds[redacted] the guideline requirement. Per disposition. [redacted]price add-on for exception. | 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]. 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. |
Documentation Type: Asset Depletion Disposable Income: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-15): Lender Exception with Compensating Factors provided. |
06/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225739548 | [Redacted] | [Redacted] | 36736694 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID:[redacted] | Secondary valuation was not provided for securitization purposes. | Reviewer Comment (2026-06-24): CDA provided. Exception cleared. Buyer Comment (2026-06-23): CDA |
06/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225739548 | [Redacted] | [Redacted] | 36736699 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | The title commitment reflects a judgment which does not appear to have been paid off and/or satisfied. | Reviewer Comment (2026-06-30): Received Title confirmation. Exception Cleared. Buyer Comment (2026-06-26): Judgements cleared |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225739548 | [Redacted] | [Redacted] | 36736705 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note: Subject Lien is not signed by all borrowers. | Reviewer Comment (2026-09-02): Note: Subject Lien, cleared Buyer Comment (2026-09-02): Please see the updated note, destroyed note affidavit, and the personal guarantee. |
09/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 225741025 | [Redacted] | [Redacted] | 36828888 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Note prepayment addendum reflects a prepayment of [redacted] months, however the prepayment rider reflects [redacted] months. file would require a corrective prepayment rider. | Reviewer Comment (2026-08-31): Received corrected Note prepayment addendum reflecting [redacted]months as prepayment rider reflects. Exception cleared. Buyer Comment (2026-08-28): [redacted] aff Reviewer Comment (2026-08-28): Received corrected documents. Please provide a destroyed note addenum and rider affidavit from the lender. Buyer Comment (2026-08-27): corrected signed docs Reviewer Comment (2026-07-01): The Prepayment Addendum and Rider indicate a prepayment penalty period of [redacted]months and the prepayment penalty reflects charges only for the first [redacted]months. Provide corrected Prepayment addendum and rider. Exception Remains. Buyer Comment (2026-06-29): Please cancel this invalid condition. both of them match. |
08/31/2026 | No | 1 | A | A | A | A | A | MO | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225741188 | [Redacted] | [Redacted] | 36737812 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Lender to provide hazard insurance policy which was in effect at the time of closing. | Reviewer Comment (2026-07-10): HOI received with sufficient coverage amount. Reviewed and verified. Exception cleared. Buyer Comment (2026-07-09): HOI |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225741188 | [Redacted] | [Redacted] | 36738128 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than[redacted] | Lender considered qualifying payment as $[redacted]; however, qualifying payment is $[redacted], which is impacting the DSCR ratio. | Reviewer Comment (2026-07-13): Bid tape DSCR updated, its within tolerance limit now, exception cleared. Buyer Comment (2026-07-09): Upon further review, [redacted] was correct with DSCR score of [redacted] To support, please find DSCR worksheet, [redacted]and approved exception form. Please review and clear finding Buyer Comment (2026-07-09): Exception form - approved Buyer Comment (2026-07-09): DSCR Calc - [redacted] Buyer Comment (2026-07-09): [redacted] Reviewer Comment (2026-06-25): No new document received. Bid tape DSCR is [redacted]which is unchanged. In addition, require revised DSCR worksheet with DSCR of [redacted]. Exception remains. Buyer Comment (2026-06-23): [redacted] has updated bid tape and scores now match at[redacted] |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225741188 | [Redacted] | [Redacted] | 36739212 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing from the file. | Reviewer Comment (2026-07-10): HOI received with sufficient coverage amount. Reviewed and verified. Exception cleared. Buyer Comment (2026-07-09): See HOI |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225741188 | [Redacted] | [Redacted] | 36742347 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | File is missing the final HUD from the refinance for funds to close on subject transaction. | Reviewer Comment (2026-08-25): Received 1003 showing proceeds with secured loan $[redacted]along with account statement for verification of the proceeds. Exception cleared. Buyer Comment (2026-08-21): Funds for closing came from HELOC Reviewer Comment (2026-07-31): Secured Borrower Funds in the amount of $[redacted]are not verified by the provided HUD. Please provide supporting documentation to verify the proceeds from the secured loan. Exception remains. Buyer Comment (2026-07-29): cert copy of hud upld |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225741188 | [Redacted] | [Redacted] | 36981159 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: DSCR | Reviewer Comment (2026-07-27): Received updated DSCR calculation and bid tape. Condition cleared. Buyer Comment (2026-07-23): [redacted] has correct our data entry error and DSCR now shows [redacted]. Updated bid tape will be sent today to resolve. Reviewer Comment (2026-07-23): Bid tape field value still reflects as [redacted]. Exception Remains. Buyer Comment (2026-07-21): [redacted] has corrected our data entry error, and now DSCRs match at [redacted]. Updated bid tape should resolve issue. Reviewer Comment (2026-07-17): The UW worksheet reflect PITIA as[redacted] instead of[redacted] as confirmed by the first payment letter. Buyer Comment (2026-07-15): DSCR exception cleared[redacted], but [redacted] still shows incorrect DSCR. Please update [redacted] to reflect DSCR of [redacted] and clear condition |
07/27/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| 225741188 | [Redacted] | [Redacted] | 37010654 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for use of Airdna to calculate short-term rental income when the report reflects an occupancy rate below minimum requirement of [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] The representative FICO score exceeds the guideline minimum by at least [redacted] |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-17): Client elects to waive with compensating factors. |
07/17/2026 | Yes | 2 | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 225741188 | [Redacted] | [Redacted] | 37049837 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted] | Bid Tape should reflect [redacted]. | Reviewer Comment (2026-07-27): Received updated DSCR calculation and bid tape. Condition cleared. Reviewer Comment (2026-07-27): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: Diligence [redacted] Bid Tape DSCR:[redacted] Buyer Comment (2026-07-23): [redacted] has correct our data entry error and DSCR now shows [redacted]. Updated bid tape will be sent today to resolve. |
07/27/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| 225741188 | [Redacted] | [Redacted] | 37349644 | 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 ___. | Additional assets are required, as only [redacted] months of reserves have been verified, while the guidelines require a minimum of [redacted] months' reserves. Lender exception approved for [redacted] months in reserves. |
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] The representative FICO score exceeds the guideline minimum by at least [redacted] |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-17): Client elects to waive with compensating factors. Buyer Comment (2026-09-15): Exception for reserves |
09/17/2026 | Yes | 2 | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| 225743838 | [Redacted] | [Redacted] | 36742001 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary ([redacted]) / MCAW not provided | Reviewer Comment (2026-06-25): Received 1008 for the subject property. Exception cleared. Buyer Comment (2026-06-23): 1008 |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225743838 | [Redacted] | [Redacted] | 36744046 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insurance coverage of $4[redacted] + ERC $[redacted], $[redacted] is insufficient to cover the loan amount of $[redacted]. | Borrower has been employed in the same industry for more than [redacted] Borrower has verified disposable income of at least [redacted] Borrower has worked in the same position for more than [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. |
Borrower has been employed in the same industry for more than[redacted] Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-02): Lender Exception with Comp Factors. Approve to use "other Structure" coverage Dwelling[redacted] Buyer Comment (2026-06-30): Exception Reviewer Comment (2026-06-26): Received document is a form of hazard and flood insurance evaluation. Replacement cost estimator or hazard insurance with sufficient coverage is required. Exception remains. Buyer Comment (2026-06-24): HOI |
07/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225744253 | [Redacted] | [Redacted] | 36737776 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VVOE is missing in the file. | Reviewer Comment (2026-08-10): Received VVOE. Cleared. Buyer Comment (2026-08-06): Please see attached VVOE along with an Exception allowing for the VVOE to be post-close. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225744253 | [Redacted] | [Redacted] | 36737777 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | VVOE is missing in the file. | Reviewer Comment (2026-08-10): Received VVOE. Cleared. Buyer Comment (2026-08-06): Please see attached VVOE along with an Exception allowing for the VVOE to be post-close. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225744253 | [Redacted] | [Redacted] | 36737778 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | VVOE is missing in the file and requires VVOE within [redacted] business days of the note. Lender approved exception for VVOE dated post closing. |
Borrower has been employed in the same industry for more than [redacted] Borrower has owned the subject property for at least[redacted] Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] The representative FICO score exceeds the guideline minimum by at least [redacted]points. |
Documentation Type:[redacted] Disposable Income:[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-10): Client elects to waive with compensating factors. Buyer Comment (2026-08-06): Please see attached VVOE along with an Exception allowing for the VVOE to be post-close. |
08/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 225744818 | [Redacted] | [Redacted] | 36744308 | 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. | Cash out refinance of tenant occupied investment property, lease agreement not provided. | Reviewer Comment (2026-08-13): Received Lease agreement as required. Exception cleared. Buyer Comment (2026-08-11): please see attached lease agreement for subject property [redacted] Reviewer Comment (2026-07-01): No new document received. Require executed lease agreement in order to verify lease terms. Exception remains. Buyer Comment (2026-06-29): please see business bank statement doc [redacted]showing receipt of rent payment $[redacted]that matches DSCR worksheet rent amounts doc [redacted] Reviewer Comment (2026-06-26): Property is tenant occupied and lease agreement provided in the file is for a different property. Provide lease agreement for subject property to verify actual rent. Exception remains Buyer Comment (2026-06-24): please see borrower lox doc [redacted]and business purpose certs docs [redacted] |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225745241 | [Redacted] | [Redacted] | 36746284 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per the 1008, Lender approved exception for less than [redacted]% equity in departing primary with exclusion of the mortgage from DTI. Exception approval document is missing from the file. | Borrower has been employed in the same industry for more than [redacted] Borrower has worked in the same position for more than [redacted] Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted]months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[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. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-06-26): Client elects to waive with compensating factors. Reviewer Comment (2026-06-26): Lender exception approval provided for ommission of liability for exclusion of departing residence mortgage from DTI. Buyer Comment (2026-06-24): exception |
06/26/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225745241 | [Redacted] | [Redacted] | 36746289 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Title E-recording fee, Endorsement fee and recording fee increased from total $[redacted] to $[redacted] without any valid changed circumstances, no cure was provided. | Reviewer Comment (2026-07-27): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-07-24): PCCD Reviewer Comment (2026-07-22): [redacted]received corrected Closing disclosure. However, the LOE to borrower was not located in trailing documents. Please provide LOE to borrower and refund cure of $[redacted]for the recording fee and endorsement fee exceeds over [redacted]% tolerance. Provide refund cure with cure documents to complete remediation. Buyer Comment (2026-07-21): Title insurance fee belongs in section C. Corrected PCCD here. Please confirm the condition can be cleared with a cure of $[redacted]. Reviewer Comment (2026-07-09): [redacted]received PCCD and LOE, however we require cure of $[redacted]as lenders title insurance moved to sec B and is part of [redacted]% tolerance. Title - lenders insurance fee increased from LE to CD. Please provide valid COC for increase or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-07-08): Corrected PCCD with the refund removed. Refund wasn't needed since the title fees were in the wrong sections. Reviewer Comment (2026-07-02): [redacted] received a Letter of Explanation (LOX) and a corrected Closing Disclosure (CD) indicating that the Recording Fee and Municipal Search Fee were moved to Section [redacted], and the Lender's Title Insurance Fee was moved to Section [redacted]. However, the fees exceed the [redacted]% tolerance threshold by $[redacted]due to the movement of the Lender's Title Insurance Fee from Section [redacted]to Section [redacted]. Additionally, a refund cure of $[redacted]was provided on the corrected PCCD; however, a copy of the refund check and mailing label is missing from the trailing documents. Please provide either: corrected CD with an additional cure amount to address the fees exceeding the [redacted]% tolerance threshold; or corrected CD moving the Lender's Title Insurance Fee from Section B back to Section C, along with a copy of the refund check and mailing label supporting the $[redacted]cure payment, to resolve this exception. Buyer Comment (2026-07-01): PCCD |
07/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225745241 | [Redacted] | [Redacted] | 36746290 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal review fee of $[redacted] was added without any valid changed circumstances, no cure was provided. | Reviewer Comment (2026-07-09): [redacted]received valid COC Buyer Comment (2026-07-08): rebuttal Reviewer Comment (2026-07-02): [redacted]received Changed Circumstances dated [redacted] which state Program changed. Changed circumstance is missing additional information and file documentation to confirm if a valid changed circumstance. Changing programs are not considered valid changed circumstances in and of themselves, however, a change in fees due to the selection of a new program based on ineligibility for prior loan programs or terms may be valid changed circumstances. If it can be demonstrated the change in program resulted from borrower ineligibility the [redacted] Desk Review was now required, the COC would be valid. Please provide additional information to support the program change now adds the fees due to prior program ineligibility or Cure is required to borrower. If there was an additional reason the fees added we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. Buyer Comment (2026-07-01): uploaded per [redacted] Reviewer Comment (2026-06-29): [redacted] Received COC dated [redacted] states loan program changed; however, required detailed information about new program along with supporting document like CDA Etc for Appraisal review fee. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-06-25): appraisal review fee was added due to the loan program change |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225745241 | [Redacted] | [Redacted] | 37080783 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Post Close Closing Disclosure Timing Regular Transactions | TILA-RESPA Integrated Disclosure - [redacted]-Day Waiting Period Timing Violation. Post Closing Disclosure reflects a change in APR, loan product, or addition of prepayment penalty which would have triggered an additional [redacted]-day waiting period had it been correctly disclosed on the Final Closing Disclosure. | Reviewer Comment (2026-07-30): [redacted]received Corrected CD & LOE to borrower correcting No MI associated with loan. Buyer Comment (2026-07-29): PCCD and LOX removing the MI Reviewer Comment (2026-07-27): MI was disclosed on earlier LEs but was removed and loan was disclosed with no MI at consummation. However, in reviewing the PCCD and disclosures in file, it appears there was Mortgage Insurance set up/required for the loan at consummation. There is a borrower signed MI disclosure at closing, and the [redacted] PCCD dated [redacted]reflected monthly MI of $[redacted]. No VCC or other documentation explains why MI was not disclosed at consummation. Please provide MI cert/MI information for review and re-calculation to determine actual TOP, Finance Charge, and paystream and determine under disclosures and cures required. |
07/30/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225745241 | [Redacted] | [Redacted] | 37080796 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted]disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of[redacted]is under disclosed by $[redacted] compared to the calculated Finance Charge of[redacted] which exceeds the [redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted] | Final Closing Disclosure provided on 06/09/2026 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. | Reviewer Comment (2026-07-30): [redacted]received Corrected CD & LOE to borrower correcting No MI associated with loan. Reviewer Comment (2026-07-27): MI was disclosed on earlier LEs but was removed and loan was disclosed with no MI at consummation. However, in reviewing the PCCD and disclosures in file, it appears there was Mortgage Insurance set up/required for the loan at consummation. There is a borrower signed MI disclosure at closing, and the [redacted] PCCD dated[redacted] reflected monthly MI of[redacted]. No VCC or other documentation explains why MI was not disclosed at consummation. Please provide MI cert/MI information for review and re-calculation to determine actual TOP, Finance Charge, and paystream and determine under disclosures and cures required. |
07/30/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225745241 | [Redacted] | [Redacted] | 37080797 | 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 $843.60 compared to the calculated total of payments of [redacted] which exceeds the $[redacted]threshold. | 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]). | Reviewer Comment (2026-07-30): [redacted]received Corrected CD & LOE to borrower correcting No MI associated with loan. Reviewer Comment (2026-07-27): MI was disclosed on earlier LEs but was removed and loan was disclosed with no MI at consummation. However, in reviewing the PCCD and disclosures in file, it appears there was Mortgage Insurance set up/required for the loan at consummation. There is a borrower signed MI disclosure at closing, and the [redacted] PCCD dated [redacted] reflected monthly MI of [redacted]. No VCC or other documentation explains why MI was not disclosed at consummation. Please provide MI cert/MI information for review and re-calculation to determine actual TOP, Finance Charge, and paystream and determine under disclosures and cures required. |
07/30/2026 | No | 1 | A | A | A | A | A | FL | 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 | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225745241 | [Redacted] | [Redacted] | 37097761 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Spoke to compliance department regarding the MI disclosed on the Post closing CDs. File will require and corrected PCCD, and letter to the borrower explaining the error, a attestation to the file indicating no MI was required on this loan and evidence of borrower's receipt. | Reviewer Comment (2026-07-31): Received PCCD, letter to borrower and evidence of receipt. Condition cleared. Buyer Comment (2026-07-30): The LOX with the PCCD to the borrower was submitted on the other conditions. Please clear |
07/31/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225746001 | [Redacted] | [Redacted] | 36746305 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The lender exception request for non-Warrantable due to critical repairs and ongoing litigation is approved. Per disposition, Max [redacted]% LTV and subject to meeting all other signature expanded guideline requirements. Comp factors include Fico [redacted] points or more above requirement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-06-17): Client elects to downgrade and waive. |
06/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 225746001 | [Redacted] | [Redacted] | 36846004 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Discrepancy in HOA and DTI | Reviewer Comment (2026-07-01): Cleared. Received HOA budget reflecting correct dues. Buyer Comment (2026-06-30): [redacted] would like to provide additional items to show why the HOA fees are [redacted]per month. Based on the provided [redacted]condo budget reflects that the HOA fees will be [redacted]per month. This is listed on the last page of the budget provided and has been highlighted for convenience. This is the most accurate and current representation of the subject properties HOA fee. |
07/01/2026 | No | 1 | A | A | A | A | A | FL | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||||||||
| 225757849 | [Redacted] | [Redacted] | 36754707 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date is not provided on CPA letter. | Reviewer Comment (2026-08-18): Received dated CPA letter. Exception cleared. Buyer Comment (2026-08-14): Please see attached copy of dated CPA letter. Kindly remove conditions |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225757849 | [Redacted] | [Redacted] | 36754727 | 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. | Document date of CPA letter is not provided. | Reviewer Comment (2026-08-18): Received dated CPA letter. Exception cleared. Buyer Comment (2026-08-14): waterfall |
08/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225757849 | [Redacted] | [Redacted] | 36754728 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-08-18): Received dated CPA letter. Exception cleared. Buyer Comment (2026-08-14): waterfall |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770323 | [Redacted] | [Redacted] | 36828954 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted]). | Buyer Comment (2026-07-01): ** WAIVED ** |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | A | A | B | B | C | A | Non QM | Non QM | No | |||||||||||
| 225770323 | [Redacted] | [Redacted] | 36828994 | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. | - | Reviewer Comment (2026-09-03): Appraisal license renewal copy received and verified. Exception cleared Buyer Comment (2026-09-01): Please see attached copy of appraiser's renewed license to clear this suspense condition Reviewer Comment (2026-08-24): Exception remains. License expired [redacted] is for another appraiser. Buyer Comment (2026-08-20): Please see doc [redacted]showing Expiration date of Certification or License on [redacted]. The license was active at the time of appraisal. Kindly remove condition Reviewer Comment (2026-07-15): The final appraisal report date is [redacted], the license expiration date is [redacted] as noted on the appraisal. Buyer Comment (2026-07-13): Please reevaluate and remove this condition. The appraiser's license was valid at the time of appraisal and nothing additional is needed. Kindly remove condition Reviewer Comment (2026-07-13): Revised appraisal report is required with correct appraisal expiration date [redacted]. Exception remains. Buyer Comment (2026-07-09): Please see doc [redacted]page [redacted]showing appraisal was completed and signed by the appraiser on [redacted] at the time the license was effective. Kindly remove condition Reviewer Comment (2026-07-07): Appraisal effective date is[redacted]and appraisal report date is [redacted] and license expiration date is[redacted]. so appraisal report signed date is post appraiser license expiration date. Provide supporting documentation confirming that the license has been renewed- Exception remains. Buyer Comment (2026-07-06): the appraisal was done on [redacted]. The license was active at the time of appraisal. Kindly remove condition Reviewer Comment (2026-07-02): This exception relates to another appraiser identified in Doc ID [redacted], page [redacted]. The appraiser's license expired on[redacted]. Please provide supporting documentation confirming that the license has been renewed. Exception remains. Buyer Comment (2026-07-01): Kindly see doc [redacted] page [redacted]showing appraiser's license was valid at the time of appraisal. Kindly remove condition |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | A | A | B | B | C | A | Non QM | Non QM | No | |||||||||||
| 225770369 | [Redacted] | [Redacted] | 36767907 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance shortfall by $[redacted]. | Reviewer Comment (2026-06-23): Replacement cost is already in file, Exception cleared. Buyer Comment (2026-06-22): please see the RCE [redacted] |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225770369 | [Redacted] | [Redacted] | 36767914 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of $[redacted] is less than the note amount of $[redacted] | Reviewer Comment (2026-07-02): Title supplement document received, value updated and associated. Exception cleared. Buyer Comment (2026-07-01): title sup |
07/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225770369 | [Redacted] | [Redacted] | 36767917 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Co-borrower's Personal Tax returns with applicable schedule and Third Party Verification for the business entity "[redacted]" are missing in file. | Reviewer Comment (2026-07-16): Received revised 1008 and 1003 removing income used to qualify. Exception cleared. Buyer Comment (2026-07-14): this income has been removed from qualifying. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770369 | [Redacted] | [Redacted] | 36767922 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Co-borrower's Personal Tax returns with applicable schedule and Third Party Verification for the business entity "[redacted]" are missing in file. | Reviewer Comment (2026-07-16): Received revised 1008 and 1003 removing income used to qualify. Exception cleared. Buyer Comment (2026-07-14): see uploaded |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225770369 | [Redacted] | [Redacted] | 36767924 | 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. | Waterfall due to Co-borrower's Personal Tax returns with applicable schedule and Third Party Verification for the business entity "[Redacted]" are missing in file. | Reviewer Comment (2026-07-16): Received revised 1008 and 1003 removing income used to qualify. Exception cleared. Buyer Comment (2026-07-14): see uploaded |
07/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225770369 | [Redacted] | [Redacted] | 36767925 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Waterfall due to Co-borrower's Personal Tax returns with applicable schedule and Third Party Verification for the business entity "[Redacted]" are missing in file. | Reviewer Comment (2026-07-16): Received revised 1008 and 1003 removing income used to qualify. Exception cleared. Buyer Comment (2026-07-14): see uploaded |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770369 | [Redacted] | [Redacted] | 36767926 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Waterfall due to Co-borrower's Personal Tax returns with applicable schedule and Third Party Verification for the business entity "[Redacted]" are missing in file. | Reviewer Comment (2026-07-16): Received revised 1008 and 1003 removing income used to qualify. Exception cleared. Buyer Comment (2026-07-14): see uploaded |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770369 | [Redacted] | [Redacted] | 36767928 | 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 Co-borrower's Personal Tax returns with applicable schedule and Third Party Verification for the business entity "[Redacted]" are missing in file. | Reviewer Comment (2026-07-16): Received revised 1008 and 1003 removing income used to qualify. Exception cleared. Buyer Comment (2026-07-14): see uploaded |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770369 | [Redacted] | [Redacted] | 36767929 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225770369 | [Redacted] | [Redacted] | 36767930 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-06-19): Sufficient Cure Provided At Closing |
06/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225770369 | [Redacted] | [Redacted] | 36767931 | 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 Co-borrower's Personal Tax returns with applicable schedule and Third Party Verification for the business entity "[Redacted]" are missing in file. | Reviewer Comment (2026-08-04): Bid tape updated, DTI within [redacted] threshold, exception cleared. Buyer Comment (2026-08-03): Bid tape corrected Reviewer Comment (2026-07-29): Bid tape is still reflecting DTI of [redacted]%. An updated bid tape for the DTI is required; calculated DTI is [redacted]%. Buyer Comment (2026-07-27): bid tape should be corrected now. please clear Reviewer Comment (2026-07-24): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted]% however due diligence is [redacted]%. An updated Bid tape for the DTI is required. Buyer Comment (2026-07-22): Please clear cond Reviewer Comment (2026-07-16): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-07-14): see uploaded |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770369 | [Redacted] | [Redacted] | 36767932 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to Co-borrower's Personal Tax returns with applicable schedule and Third Party Verification for the business entity "[Redacted]" are missing in file. | Reviewer Comment (2026-07-16): Received revised 1008 and 1003 removing income used to qualify. Exception cleared. |
07/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225770369 | [Redacted] | [Redacted] | 37015658 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Personal Tax returns with applicable schedule and Third Party Verification for the business entity "[redacted]" are missing in file. | Reviewer Comment (2026-07-20): [redacted] was excluded |
07/20/2026 | No | 1 | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225770369 | [Redacted] | [Redacted] | 37015719 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Co-borrower's Personal Tax returns with applicable schedule and Third Party Verification for the business entity "[redacted]" are missing in file. | Reviewer Comment (2026-07-23): Received revised [redacted]and [redacted]removing income used to qualify. Exception cleared. Buyer Comment (2026-07-22): This income has been removed from qualifying |
07/23/2026 | No | 1 | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225770369 | [Redacted] | [Redacted] | 37020501 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Variance between diligence DTI and bid tape DTI does not meet [redacted] requirements. Variance is more than [redacted]%, or one value is below [redacted] and the other is above [redacted], or one value is below [redacted] and the other is above [redacted]. | Reviewer Comment (2026-08-04): Bid tape updated, DTI within [redacted] threshold, exception cleared. Buyer Comment (2026-08-03): Bid tape corrected Reviewer Comment (2026-07-29): Bid tape is still reflecting DTI of [redacted]%. An updated bid tape for the DTI is required; calculated DTI is [redacted]%. Buyer Comment (2026-07-27): bid tape should be correct now. please clear Reviewer Comment (2026-07-23): Bid tape DTI need to updated to clear this condition. Exception remains. Buyer Comment (2026-07-22): The DTI changed due to removing income not needed to qualify |
08/04/2026 | No | 1 | A | A | A | A | A | WA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225770379 | [Redacted] | [Redacted] | 36767971 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verbal VVOE is missing. | Reviewer Comment (2026-07-30): As per response Loan re-designated changed to Safe Harbor QM (APOR) & Borrower Post closing VVOE document provided in file and it does not require VVOE's to be dated [redacted] business prior to closing date. Exception Cleared. Buyer Comment (2026-07-28): Please see attached VVOE. The VVOE is dated after Note date however this loan is eligible for QM APOR and should be designated as such and does not require VVOE's to be [redacted]days prior to Note date. Reviewer Comment (2026-07-15): Please provide VVOE within [redacted]days from note date for [redacted], Exception remains. Buyer Comment (2026-07-14): Please see attached verification of business dated [redacted]. Borrower is part owner of the company. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225770379 | [Redacted] | [Redacted] | 36768054 | 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 provided WVOE document not within [redacted] business days of the note date for the borrower. Required VVOE document within [redacted] business days of the note date for the borrower. | Reviewer Comment (2026-07-30): As per response Loan re-designated changed to Safe Harbor QM (APOR) & Borrower Post closing VVOE document provided in file and it does not require VVOE's to be dated [redacted] business prior to closing date. Exception Cleared. Buyer Comment (2026-07-28): Please ensure loan designation is QM APOR to allow for post note VOE. VOE is attached. Reviewer Comment (2026-07-15): Please provide VVOE within [redacted]days from note date for [redacted], Exception remains. Buyer Comment (2026-07-14): Please see attached verification of business dated [redacted]. Borrower is part owner of the company. |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225770379 | [Redacted] | [Redacted] | 36768055 | 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 provided WVOE document not within [redacted] business days of the note date for the borrower. Required VVOE document within [redacted] business days of the note date for the borrower. | Reviewer Comment (2026-07-30): As per response Loan re-designated changed to Safe Harbor QM (APOR) & Borrower Post closing VVOE document provided in file and it does not require VVOE's to be dated [redacted] business prior to closing date. Exception Cleared. Buyer Comment (2026-07-28): Please ensure loan designation is QM APOR to allow for post note VOE. VOE is attached. Reviewer Comment (2026-07-15): Please provide VVOE within [redacted]days from note date for [redacted], Exception remains. Buyer Comment (2026-07-14): Please see attached verification of business dated [redacted]. Borrower is part owner of the company. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225770379 | [Redacted] | [Redacted] | 37109008 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Re-designated Loan Designation of Safe Harbor QM (APOR). | Buyer Comment (2026-08-06): Confirming loan designation. Ok to Waive |
08/06/2026 | No | 2 | A | B | B | B | A | OH | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830896 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than [redacted]years, and prior employment history was not documented as required. | - | Borrower's current employment is less than [redacted]years, and source documents (Paystub, W-2, third-party verification of employment and income) were not provided in the file for prior employment. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830897 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing income documents for the borrower and co-borrower, i.e., Paystubs, W-2, and verification of employment and income. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830898 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | File is missing verification of employment within [redacted]business days of the note date. | Reviewer Comment (2026-07-28): Received required doc. Cleared. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830899 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | File is missing verification of employment within [redacted]business days of the note date. | Reviewer Comment (2026-07-28): Received required doc. Cleared. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830900 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing from the file. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830905 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verification of employment and income was not provided in the file for the borrower and co-borrower. | Reviewer Comment (2026-07-28): Received required doc. Cleared. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830906 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verification of employment and income was not provided in the file for the borrower and co-borrower. | Reviewer Comment (2026-07-28): Received required doc. Cleared. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830910 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID:[redacted] | The source documentation for valuation was not provided in the file. | Reviewer Comment (2026-07-28): Received required doc. Cleared. |
07/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830912 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | The source documentation for valuation was not provided in the file. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830913 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The source documentation for valuation was not provided in the file. | Reviewer Comment (2026-07-28): Received required doc. Cleared. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830916 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | The initial 1003 - Lender's copy was not provided in the file. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830917 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate was not provided in the file. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830918 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in the file. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830919 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase Agreement / Sales Contract was not provided in the file. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830922 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal was not provided in the file. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830963 | Credit | Credit | Credit Documentation | Credit | Purchase contract date not provided. | Unable to verify the Contract Date as the purchase / sales agreement was not provided. | Reviewer Comment (2026-07-28): Received required doc. Cleared. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830971 | 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. | Rate lock was not provided in the file. | Reviewer Comment (2026-07-23): Updated images were provided. Cleared. |
07/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830988 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. | Unable to verify the flood zone as the flood certificate was not provided in the file. | Reviewer Comment (2026-07-23): Updated images were provided. Cleared |
07/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830989 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of [redacted]months prior to consummation. A lookback was performed to determine this application date using the following dates: [redacted],Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA [redacted]start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | File is missing the initial 1003 signed and dated by the borrower. | Reviewer Comment (2026-07-23): Updated images were provided. Cleared |
07/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830990 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | File is missing the initial 1003 signed and dated by the borrower. | Reviewer Comment (2026-07-23): Updated images were provided. Cleared |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830991 | 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. | Waterfall due to the file missing the most recent two years W-2, Paystub, third-party verification of employment and income for the borrower's current and prior employment and the co-borrower's current employment. | Reviewer Comment (2026-07-23): Updated images were provided. Cleared |
07/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225770507 | [Redacted] | [Redacted] | 36830992 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | File is missing the most recent two years W-2, Paystub, third-party verification of employment and income for the borrower's current and prior employment and the co-borrower's current employment. | Reviewer Comment (2026-07-23): Updated images were provided. Cleared |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830993 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | File is missing the most recent two years W-2, Paystub, third-party verification of employment and income for the borrower's current and prior employment and the co-borrower's current employment. | Reviewer Comment (2026-07-23): Updated images were provided. Cleared |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830994 | 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, missing W-2, Paystub, LES, ETS or WVOE. | File is missing the most recent two years W-2, Paystub, third-party verification of employment and income for the borrower's current and prior employment and the co-borrower's current employment. | Reviewer Comment (2026-07-23): Updated images were provided. Cleared |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830995 | 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. | File is missing the most recent two years W-2, Paystub, third-party verification of employment and income for the borrower's current and prior employment and the co-borrower's current employment. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830996 | 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.) | File is missing the most recent two years W-2, Paystub, third-party verification of employment and income for the borrower's current and prior employment and the co-borrower's current employment. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830997 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | File is missing the most recent two years W-2, Paystub, third-party verification of employment and income for the borrower's current and prior employment and the co-borrower's current employment. | Reviewer Comment (2026-07-23): Updated images were provided. Cleared |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830998 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | [redacted] Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | [redacted] Complaint Agency Disclosure was not provided in the file. | Reviewer Comment (2026-08-17): Compliant Agency Disclosure received. Buyer Comment (2026-08-13): Please see attached complaints disclosure to clear this suspense condition |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 225770507 | [Redacted] | [Redacted] | 36830999 | 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] ([redacted]) business days prior to closing. | Signed and dated initial Closing Disclosure was not provided in the file. | Reviewer Comment (2026-07-23): Updated images were provided. Cleared |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | No Defined Cure | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225770507 | [Redacted] | [Redacted] | 36831000 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Settlement Service Provider was not provided in the file. | Reviewer Comment (2026-07-23): Updated images were provided. Cleared |
07/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | No Defined Cure | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||
| 225770507 | [Redacted] | [Redacted] | 36831001 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 not provided in the initial loan estimate, and no valid Change of Circumstance was found in the file. | Reviewer Comment (2026-07-23): Updated images were provided. Cleared |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225770507 | [Redacted] | [Redacted] | 36831002 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted][redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance was found in the file for fees added in the Closing Disclosure. | Reviewer Comment (2026-09-17): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-09-16): Please see attached copy of PCCD, LOX to clear remaining condition Reviewer Comment (2026-09-04): [redacted]received email confirmation indicates that the fee was POC by the borrower. However, the fee was added on final CD and was not disclosed any of the LE's. Hence, we are unable to determine whether the lender or title company required the pest inspection to add the fee. If the service is optional (borrower chosen and not required by title or lender) and the pest inspection completed on their own, then please provide attestation letter with corrected CD to move the fee from section H or Cure would be due to borrower. Buyer Comment (2026-09-03): Please see attached. The fee was POC by the borrower and should not be included in your [redacted]% calculations. Kindly reevaluate and remove condition Reviewer Comment (2026-08-19): [redacted]is unable to determine from the file whether the lender or title company required the pest inspection fee. If the lender required, the fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-08-17): this is a [redacted]-time fee and should not be included in your [redacted]% calculations. Kindly reevaluate and remove condition |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 225770507 | [Redacted] | [Redacted] | 36841715 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-09-11): Per undwriter discretion, a VOR was not required. Buyer Comment (2026-09-09): Please see doc [redacted]pg [redacted]showing borrower's previous address on credit report as a tradeline with no lates as of [redacted]. VOR / VOM is not required. Kindly reevaluate and remove condition Reviewer Comment (2026-09-09): A housing payments history that the borrower had responsibility for in the preceding [redacted]-month period from application date must be documented per guideline requirements. Documentation related to the current or previous address is not located in the file. Buyer Comment (2026-09-04): Please clarify as to which address the VOR is needed |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 225770507 | [Redacted] | [Redacted] | 37056334 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary valuation is not required. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | A | A | A | A | A | SC | Primary | Purchase | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||||||
| 225770507 | [Redacted] | [Redacted] | 37056345 | 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 exception due to loan designation discrepancy. | Reviewer Comment (2026-07-29): Received all documents. Condition cleared. |
07/29/2026 | No | 1 | A | A | A | A | A | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | ||||||||||||||
| 225770538 | [Redacted] | [Redacted] | 36768042 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted] under [redacted] | Reviewer Comment (2026-07-31): Received updated note Buyer Comment (2026-07-29): Pg [redacted]& [redacted]is the addendum and there is nothing wrong with the upload on my end. It's only [redacted]page Reviewer Comment (2026-07-29): Received Prepayment Addendum to Promissory Note is not properly scanned from top. Exception remains. Buyer Comment (2026-07-27): PER [redacted] gov't site: Although [redacted] passed a law forbidding this type of fee pursuant to [redacted].[redacted] Prepayment of mortgage loan without penalty, there are certain types of loan products and lenders which this law does not apply. Please be aware that the Alternative Mortgage Transactions [redacted], which was enacted by Congress and codified [redacted] addresses the issue of prepayment penalties. This act basically notes that mortgage products other than fixed rate fixed term fully amortized conventional loans can include a prepayment penalty. This would cover any type of adjustable rate mortgage ("ARM") or mortgage product with a balloon note ("Balloon") for all mortgage loans that closed prior to[redacted]. As federal law preempts [redacted] State law, a prepayment penalty on these types of mortgage loan products would be legal. You should be aware that in order to charge a prepayment penalty on an alternative type of mortgage (ARM or Balloon) it needs to be disclosed to the borrower on the Mortgage Note in the section "Borrowers Right to Repay." This section of the Mortgage Note will explain whether there is or is not a prepayment and how the amount of the penalty is calculated. The disclosure of a prepayment penalty can be also found in the Truth-in-Lending statement required by federal law to be sent to a borrower during the application process. This document will have a section titled "Prepayment" and indicate whether you may or will not have to pay a penalty if the loan is paid off early. Reviewer Comment (2026-07-24): Received note with prepayment addendum. Exception remains. Buyer Comment (2026-07-21): corrected note |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | B | A | A | C | B | A | A | N/A | N/A | No | |||||||||||
| 225770538 | [Redacted] | [Redacted] | 37098727 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is not provided in file. | Reviewer Comment (2026-09-21): Received Guarantor Agreement. Exception cleared. Buyer Comment (2026-09-17): personal guaranty |
09/21/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Purchase | C | B | A | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225770538 | [Redacted] | [Redacted] | 37120765 | 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] | Buyer Comment (2026-08-19): ok to waive per [redacted] |
08/19/2026 | No | 2 | B | B | B | B | B | NJ | Investment | Purchase | C | B | A | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225770538 | [Redacted] | [Redacted] | 37120776 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please proved a Destroyed Note Affidavit for the previous note. | Reviewer Comment (2026-09-21): Received lender certification for Destroyed Note. Exception cleared. Buyer Comment (2026-09-18): destoryed note |
09/21/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Purchase | C | B | A | A | C | B | A | A | N/A | N/A | No | ||||||||||||||||
| 225771037 | [Redacted] | [Redacted] | 36767960 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-07-15): Non-U.S. citizen status revalidated per ITIN/DACA. Exception cleared. Buyer Comment (2026-07-14): Not required. Loan is approved using [redacted]'s ITIN/DACA guidelines. Required docs are in file. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225771037 | [Redacted] | [Redacted] | 36768072 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]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. | Reviewer Comment (2026-08-10): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-08-07): Please see attached Cure check, PCCD, Cover Letter and proof [redacted] delivered. |
08/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NV | 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 | |||||||||
| 225771037 | [Redacted] | [Redacted] | 36768073 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted] 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. | Reviewer Comment (2026-08-10): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-08-07): Please see attached Cure check, PCCD, Cover Letter and proof [redacted] delivered. Reviewer Comment (2026-07-15): [redacted]received rebuttal, however as per CD $[redacted]transfer tax is paid by borrower. Please provide valid COC for addition of transfer tax on LE dated [redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-07-14): Transfer Tax was paid by the Seller not the borrower, therefore the borrower was not over charged. |
08/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NV | 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 | |||||||||
| 225775212 | [Redacted] | [Redacted] | 36774698 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. No cure was provided to the borrower. | Reviewer Comment (2026-08-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-31): Please see attached Reviewer Comment (2026-07-27): [redacted]acknowledged that the below comment and further review the fees are exceeds over [redacted]% tolerance of $[redacted]. Provide refund cure of $[redacted]with cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Buyer Comment (2026-07-23): Please review these fees. Lenders title = $[redacted]+ Endoresements (which are required in [redacted]) [redacted]. If we mulitply this by the [redacted] that would mean the cure amount would be $[redacted]. Please confirm. Reviewer Comment (2026-07-14): [redacted]agreed that the below comment. However, the Lenders title insurance fee disclosed on LE in the amount of [redacted]and further increase of[redacted] without valid changed circumstance. Hence, the fee exceeds over [redacted]% tolerance of [redacted] (Baseline of [redacted] FCD). Provide valid COC for the Lenders title insurance fee increase or Cure would be due to borrower. Buyer Comment (2026-07-13): Could you please update your calculations as you are only including the recording fee. The endorsements shoud be [redacted]. The Lenders Title insurance should be [redacted]. These were disclosed on the [redacted]CD. Please clear condition. |
08/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 225775212 | [Redacted] | [Redacted] | 36774700 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Field Review Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No cure was provided to the borrower. | Reviewer Comment (2026-08-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-31): Please see attached. Reviewer Comment (2026-07-14): [redacted]received rebuttal comment. However, provided COC does not give sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee 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. Buyer Comment (2026-07-13): The AVM for the departing residence was need as apart of the guidelines. Please clear condition. |
08/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 225775212 | [Redacted] | [Redacted] | 36774701 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Verification Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No cure was provided to the borrower. | Reviewer Comment (2026-08-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-31): Please see attached. Reviewer Comment (2026-07-14): [redacted] received rebuttal comment. However, provided COC does not give sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee 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. Buyer Comment (2026-07-13): Please see the CD from[redacted], this fee was disclosed there. Please clear condition. |
08/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 225775212 | [Redacted] | [Redacted] | 36774703 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Transfer Tax Fee Amount of $[redacted] exceeds tolerance of $[redacted]. No cure was provided to the borrower. | Reviewer Comment (2026-08-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-31): Please see attached. Reviewer Comment (2026-07-14): [redacted]received rebuttal comment. However, provided COC does not give sufficient information on why the fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee 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. Buyer Comment (2026-07-13): Please see the CD from[redacted], this fee was disclosed there. Please clear condition. |
08/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 225775219 | [Redacted] | [Redacted] | 36774982 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Recording Fee Total. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Recording Fee Total. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. | Reviewer Comment (2026-07-01): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-06-29): Please see attached copy of PCCD, LOX, LABEL, AND CHECK. Package has been delivered. Kindly remove condition |
07/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | 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 | |||||||||
| 225780176 | [Redacted] | [Redacted] | 36777863 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted][redacted] 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 (2026-08-04): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-03): Please see attached copy of PCCD, LOX, LABEL, and CHECK to clear this suspense condition Reviewer Comment (2026-07-14): [redacted] received rebuttal comment that rush fee was added but we need more information as if Lender has requested for rush or borrower has requested the rush, if lender has requested rush due to delay in processing the cure will be due to borrower or if borrower has requested or approved the rush we need proof of communication from borrower to validate the change. Buyer Comment (2026-07-10): It looks like there was an added rush on the appraisal per [redacted], causing the increase in time for "turn-time" and [redacted] disclosed to the borrower within [redacted] days. Kindly remove this condition Reviewer Comment (2026-07-10): [redacted] received COC dated [redacted] with reason "per [redacted] charge for turn time" however, the reason provided is not sufficient to re-baseline the fee. Please provide additional information and documentation to support a valid changed circumstance to increase appraisal fee due to rush/turn time. Invalid increases due to addition of appraisal rush fees was addressed on page [redacted] of the [redacted].pdf. 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. Buyer Comment (2026-07-08): Please see attached COC for appraisal fee. Kindly remove condition |
08/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 225780176 | [Redacted] | [Redacted] | 36777864 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 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 (2026-07-10): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-07-08): please see doc [redacted] page [redacted] showing Lender Credit including the [redacted] for overcharged borrower fees. Kindly remove condition |
07/10/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 225781531 | [Redacted] | [Redacted] | 36809703 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the Articles of formation for [redacted] and the Certificate of good standing for [redacted] for the borrowing entity. | Reviewer Comment (2026-08-11): Received post-closing certificate of good standing for [redacted] . Buyer Comment (2026-08-10): [redacted] docs Reviewer Comment (2026-07-14): Received rebuttal for articles of formation for [redacted] . Per guides require Certificate of good standing for [redacted] for the borrowing entity. Exception remains Buyer Comment (2026-07-13): Rebut Reviewer Comment (2026-07-08): Provided article of organization document for [redacted] state, Please provide article of organization for [redacted] state. Exception remains. Buyer Comment (2026-07-07): [redacted] docs |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225781531 | [Redacted] | [Redacted] | 36809711 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing the corporate resolution specifying the loan terms, signed by all members. | Reviewer Comment (2026-07-10): Corporate Resolution signed by the sole member received, reviewed, and verified. Exception cleared. Buyer Comment (2026-07-08): [redacted] docs |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225781531 | [Redacted] | [Redacted] | 36809748 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The final 1003 indicates there are HOA dues on the subject of $[redacted]/mo, however the information is not on the appraisal nor was it located in the file. Please provide evidence of the HOA dues for the property. | Reviewer Comment (2026-07-10): Received the updated 1003 reflecting no HOA dues. The information has been reviewed and verified. Exception cleared. Buyer Comment (2026-07-08): HOA dues removed as they were an estimate left in error |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225781830 | [Redacted] | [Redacted] | 36802708 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Missing documentation to confirm alimony payments. | Reviewer Comment (2026-08-25): Received settlement agreement. Cleared. Buyer Comment (2026-08-25): Please see attached to clear this suspense condition |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Purchase | C | C | C | A | C | C | A | A | Non QM | Non QM | No | |||||||||||
| 225781830 | [Redacted] | [Redacted] | 36802710 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | REO property documents are missing for HOA and "Other" Payments. | Reviewer Comment (2026-08-25): Received HOA docs. Cleared. Buyer Comment (2026-08-25): Please see attached copy of HOA to clear this suspense condition Reviewer Comment (2026-07-30): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Address: [redacted], Address: [redacted] EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: HOA Verification Other Reviewer Comment (2026-06-30): HOA verification for property [redacted] is still missing, exception remains. Buyer Comment (2026-06-29): Please see attached HOA dues for REO property. Kindly remove condition |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Second Home | Purchase | C | C | C | A | C | C | A | A | Non QM | Non QM | No | |||||||||||
| 225781830 | [Redacted] | [Redacted] | 36803351 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Appraisal Fee. The fee amount of $[redacted]is charged on Final Closing Disclosure; however, Loan Estimate charged as $[redacted]with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-06-23): Sufficient Cure Provided At Closing |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Second Home | Purchase | Final CD evidences Cure | C | C | C | A | C | C | A | A | Non QM | Non QM | Yes | |||||||||
| 225781830 | [Redacted] | [Redacted] | 36803352 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]Percent Fee Tolerance was exceeded for Transfer Tax. The fee amount of $[redacted]exceeds tolerance of $[redacted]with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-06-23): Sufficient Cure Provided At Closing |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Second Home | Purchase | Final CD evidences Cure | C | C | C | A | C | C | A | A | Non QM | Non QM | Yes | |||||||||
| 225781830 | [Redacted] | [Redacted] | 36803353 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted]Percent Fee Tolerance was exceeded. The total amount of $[redacted] exceeds tolerance of $[redacted]plus [redacted]% or $[redacted] with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-06-23): Sufficient Cure Provided At Closing |
06/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Second Home | Purchase | Final CD evidences Cure | C | C | C | A | C | C | A | A | Non QM | Non QM | Yes | |||||||||
| 225781830 | [Redacted] | [Redacted] | 36804682 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted]. | Unable to confirm ATR due to missing REO property documents for HOA and "Other Payment". | Buyer Comment (2026-09-03): **WAIVED ** |
09/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Second Home | Purchase | C | C | C | A | C | C | A | A | Non QM | Non QM | No | ||||||||||
| 225781830 | [Redacted] | [Redacted] | 36804691 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] 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. | Non-Escrowed Property Costs over Year 1 on Final Closing Disclosure provided on [redacted] was not provided on page 4. | Reviewer Comment (2026-09-08): [redacted] received PCCD and LOE. Exception remains in unable to cure status as remediation documents were not provided within [redacted] days of discovery. Buyer Comment (2026-09-04): Please see attached copy of PCCD and LOX to clear condition Reviewer Comment (2026-09-04): [redacted] the file contains HOA amount of [redacted] per year as per Appraisal report. However, the Final CD in the file is not reflecting Non escrowed property cost over year [redacted]. Kindly provide updated Post CD along with LOX to reflect non-escrowed property cost over year [redacted] as [redacted]. on page [redacted]. Buyer Comment (2026-09-03): Please clarify as to where the discrepancy is coming from. Escrow amount isa at [redacted], HOI and Taxes in the amount of [redacted] |
No | 3 | C | C | C | C | C | C | C | C | C | C | GA | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | C | C | A | C | C | A | A | Non QM | Non QM | Yes | ||||||||||
| 225781938 | [Redacted] | [Redacted] | 36830009 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | 1007 Rent Comparison Schedule is missing. Per guidelines, The appraiser's opinion of market rents must still be obtained and evaluated as part of the underwriting review. |
Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] Borrowers made a down payment from their own funds on this purchase transaction of at least[redacted] |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-07): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-06): Exception includes waiving the 1007 Reviewer Comment (2026-07-02): Unable to waive and downgrade . Lender Exception provided only addresses STR on a DSCR and Rural property Buyer Comment (2026-06-30): Exception |
07/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225781938 | [Redacted] | [Redacted] | 36832675 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-07-01): Provided [redacted]-month pay history for primary residence. Exception Cleared. Buyer Comment (2026-06-30): Look at docs [redacted] for payments made to [redacted] Buyer Comment (2026-06-29): For the Primary or subject property. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225781938 | [Redacted] | [Redacted] | 36832944 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for unique property. Rural properties not allowed on DSCR per guides. Unable to waive due to insufficient compensating factors on the exception document. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] Borrowers made a down payment from their own funds on this purchase transaction of at least[redacted] |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-02): Lender Exception with Comp Factors STR on a DSCR and Rural property Buyer Comment (2026-06-30): Exception |
07/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225781938 | [Redacted] | [Redacted] | 36832951 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for STR on a DSCR. Lender exception provided for unique property. Rural properties not allowed on DSCR per guides. Unable to waive due to insufficient compensating factors on the exception document. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] Borrowers made a down payment from their own funds on this purchase transaction of at least[redacted] |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-02): Lender Exception with Comp Factors STR on a DSCR and Rural property Buyer Comment (2026-06-30): Exception |
07/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225782067 | [Redacted] | [Redacted] | 36804979 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Evidence of hazard insurance for the property[redacted] is missing in file. | Reviewer Comment (2026-08-31): Document received. Buyer Comment (2026-08-27): Please see attached copy of haz policy for REO property to clear this suspense condition |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225782067 | [Redacted] | [Redacted] | 36804980 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing in file. Provided E-Sign consent is reflecting pending status. | Reviewer Comment (2026-07-13): Received E-sign consent agreement. Exception cleared. Buyer Comment (2026-07-09): Please see attached copy of econsent to clear condition |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225782067 | [Redacted] | [Redacted] | 36805009 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Due diligence DTI of [redacted]% closely matches with lender qualifying DTI of [redacted]% on [redacted]with variance due to Lender utilizing a lower property tax than utilized. Bid Tape DTI of [redacted]% differs completely - unable to determine difference. | Reviewer Comment (2026-08-17): Bid Tape data made updating with DTI discrepancy. Exception cleared. Buyer Comment (2026-08-13): Bid tape has been updated. Kindly remove condition Reviewer Comment (2026-07-13): The income and all other expenses match the 1008. The calculated DTI is [redacted], which aligns with the 1008 DTI of [redacted]. However, the Investor's Qualifying Total Debt Ratio (Bid Tape Field Value) is incorrectly reflected as [redacted]. Please update the Bid Tape Field Value DTI to [redacted] to clear the exception. Exception remains. Buyer Comment (2026-07-09): Please clarify as to which property is under disclosing the property tax amount so [redacted]can do it's due diligence, thank you. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225782067 | [Redacted] | [Redacted] | 36805026 | 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 DTI discrepancy. | Reviewer Comment (2026-08-17): Bid Tape data made updating with DTI discrepancy. Exception cleared. Reviewer Comment (2026-07-13): The income and all other expenses match the 1008. The calculated DTI is [redacted], which aligns with the 1008 DTI of [redacted]. However, the Investor's Qualifying Total Debt Ratio (Bid Tape Field Value) is incorrectly reflected as [redacted]. Please update the Bid Tape Field Value DTI to [redacted] to clear the exception. Exception remains. Buyer Comment (2026-07-09): waterfall |
08/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225782067 | [Redacted] | [Redacted] | 36805027 | 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 DTI discrepancy. | Reviewer Comment (2026-08-17): Bid Tape data made updating with DTI discrepancy. Exception cleared. Reviewer Comment (2026-07-13): The income and all other expenses match the 1008. The calculated DTI is [redacted], which aligns with the 1008 DTI of [redacted]. However, the Investor's Qualifying Total Debt Ratio (Bid Tape Field Value) is incorrectly reflected as [redacted]. Please update the Bid Tape Field Value DTI to [redacted] to clear the exception. Exception remains. Buyer Comment (2026-07-09): waterfall |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225782067 | [Redacted] | [Redacted] | 36805029 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 disclosed as $[redacted]on Loan Estimate dated[redacted] but disclosed as $[redacted]on Final Closing Disclosure. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-07-13): [redacted] received COC dated [redacted] Buyer Comment (2026-07-09): Please see attached COC in regard to discount points. Kindly remove condition |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | |||||||||
| 225806609 | [Redacted] | [Redacted] | 36809597 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification document is not available in file for REO property as [redacted] | Reviewer Comment (2026-07-01): Received hazard and HOA for property [redacted], Exception Cleared Buyer Comment (2026-06-29): Please see attached HOI for REO property. Please remove condition |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225806609 | [Redacted] | [Redacted] | 36809867 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Insufficient coverage with no extended dwelling amount reflected on policy. Also no replacement cost estimator in file to valid sufficient coverage to support lien. | Reviewer Comment (2026-07-01): Hazard Insurance policy confirms [redacted] replacement cost coverage, Exception Cleared Buyer Comment (2026-06-29): per FNMA's lender letter, we do NOT need to confirm the estimated replacement cost any longer, as long as the HOI policy id [redacted] insured. Kindly remove condition |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225806609 | [Redacted] | [Redacted] | 36810175 | Credit | Loan Package Documentation | Closing / Title | Collateral | Security Instrument is not signed by borrower(s). | Missing signature for [Redacted] | Reviewer Comment (2026-08-21): As per the final 1003 document [redacted] is non-occupant hence no signature required. Exception Cleared. Buyer Comment (2026-08-19): Please see attached. The borrower is a non- title borrower, and was not required to sign the mortgage. Kindly reevaluate and remove condition Reviewer Comment (2026-08-04): [redacted] is a borrower on the loan and signed the note. Clarification would be required as to why [redacted]is not signing the security instrument. In addition, the file would require a copy of the deed transferring the property to the new owners or the final title policy to support the title holders. Buyer Comment (2026-07-31): Please see attached security instrument signed by all parties. Kindly remove condition Reviewer Comment (2026-07-02): Security instrument is not signed by [Redacted] however Note have the signature of [redacted], Exception remains Buyer Comment (2026-07-01): The security instrument is signed by both borrowers and notary /witness. Kindly remove condition Reviewer Comment (2026-07-01): Security instrument is not signed by all borrowers and [redacted] signature is missing, Exception remains Buyer Comment (2026-06-29): The security instrument was signed by both borrowers on [redacted]. Kindly remove condition |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225814626 | [Redacted] | [Redacted] | 36817521 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | One month additional bank statement is not provided in file for [redacted] | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] Borrowers made a down payment from their own funds on this purchase transaction of 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. |
Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted]years. Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-02): Lender Exception with Compensating Factors provided. [redacted]month additional bank statement is in file for #[redacted]& #[redacted] Buyer Comment (2026-06-30): Exception |
07/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225814626 | [Redacted] | [Redacted] | 36817573 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | One month additional bank statement is not provided in file for [redacted] | Borrower has verified disposable income of at least $[redacted]. Borrower has worked in the same position for more than [redacted] Borrowers made a down payment from their own funds on this purchase transaction of 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. |
Documentation Type: [redacted] Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted]years. Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-02): Lender Exception with Compensating Factors provided. [redacted]month additional bank statement is in file for #[redacted]& #[redacted] Buyer Comment (2026-06-30): Exception |
07/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225814626 | [Redacted] | [Redacted] | 36817583 | 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. | One month additional bank statement is not provided in file for [redacted] | Reviewer Comment (2026-07-02): Lender Exception with Compensating Factors provided. [redacted]month additional bank statement is in file for #[redacted]& #[redacted] Buyer Comment (2026-06-30): Exception |
07/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225814626 | [Redacted] | [Redacted] | 36817584 | 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. | One month additional bank statement is not provided in file for [redacted] | Reviewer Comment (2026-07-02): Lender Exception with Compensating Factors provided. [redacted]month additional bank statement is in file for #[redacted]& #[redacted] Buyer Comment (2026-06-30): Exception |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225814626 | [Redacted] | [Redacted] | 36817585 | 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.) | One month additional bank statement is not provided in file for [redacted] | Reviewer Comment (2026-07-02): Lender Exception with Compensating Factors provided. [redacted]month additional bank statement is in file for #[redacted]& #[redacted] Buyer Comment (2026-06-30): Exception |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225816017 | [Redacted] | [Redacted] | 36810058 | 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 (2026-08-06): CDA received. Buyer Comment (2026-08-04): Please see attached CDA |
08/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| 225816017 | [Redacted] | [Redacted] | 36810119 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted]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. | Reviewer Comment (2026-08-05): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-08-04): Please refer to the final CD showing a Lender Credit in the amount of [redacted]for this violation |
08/05/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | 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 | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225816017 | [Redacted] | [Redacted] | 36810120 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,[redacted] exceeds tolerance of $5,[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] 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. | Reviewer Comment (2026-08-26): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-25): Please see attached PCCD, Cover Letter, Cure Check and proof [redacted]Delivered |
08/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225816017 | [Redacted] | [Redacted] | 36815691 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment Schedule B Part 1, Item #9 reflects a judgment with outstanding balances in the amount of $ to be determined. Seller's HUD 1 does not reflect payoff of judgment with [Redacted]. Please provide evidence the judgment has been released, paid, and will not have a negative impact on the final title policy. | Reviewer Comment (2026-08-06): Received affidavit from seller that he/she is not one and same person as required in title. Buyer Comment (2026-08-04): Please see Non-Identify Affidavit from title confirming that the judgements are not for the seller. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| 225816017 | [Redacted] | [Redacted] | 36817588 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI exceeded maximum [redacted]% due to including business bank statement expense ratio (Fixed) [redacted]%. | Reviewer Comment (2026-08-20): Bank statement calculated as per provided income worksheet. Exception cleared. Buyer Comment (2026-08-19): Please see updated 1008/1003 and Additional income calculator Income has been updated to reflect [redacted] . Plus Borrower has an additional account that has [redacted] months bank statements with [redacted] then [redacted] which added an additional [redacted] bringing total income to [redacted]). In addition, the borrower does have [redacted] large car payments, [redacted] and [redacted], which are paid from business [redacted], previously with [redacted]. (Please note; the [redacted] payments were double paid on [redacted] separate occasions making up [redacted] months proof of payment). When updating the income and excluding the debt paid by the business the borrower's ratios come in at [redacted] |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| 225816017 | [Redacted] | [Redacted] | 36817601 | 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. | DTI exceeded maximum [redacted]due to including business bank statement expense ratio (Fixed) [redacted] | Reviewer Comment (2026-09-01): Cleared. Recieved updated bid tape Buyer Comment (2026-08-31): Bid tape has been updated, please clear. Reviewer Comment (2026-08-20): DTI was calculated at [redacted] using the provided income worksheet and matches the 1008; however, a DTI discrepancy is appearing in the data compare results. Exception remains. Buyer Comment (2026-08-19): Please see updated 1008/1003 and Additional income calculator Income has been updated to reflect [redacted] . Plus Borrower has an additional account that has [redacted] months bank statements with [redacted] then [redacted] which added an additional [redacted] bringing total income to [redacted]). In addition, the borrower does have [redacted] large car payments, [redacted] and [redacted], which are paid from business [redacted], previously with [redacted]. (Please note; the [redacted] payments were double paid on [redacted] separate occasions making up [redacted] months proof of payment). When updating the income and excluding the debt paid by the business the borrower's ratios come in at [redacted] |
09/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225816017 | [Redacted] | [Redacted] | 36817602 | 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. | DTI exceeded maximum [redacted]due to including business bank statement expense ratio (Fixed) [redacted] | Reviewer Comment (2026-09-01): Cleared. Recieved updated bid tape Buyer Comment (2026-08-31): Bid tape has been updated, please clear. Reviewer Comment (2026-08-20): DTI was calculated at [redacted] using the provided income worksheet and matches the 1008; however, a DTI discrepancy is appearing in the data compare results. Exception remains. Buyer Comment (2026-08-19): Please see updated 1008/1003 and Additional income calculator Income has been updated to reflect [redacted] . Plus Borrower has an additional account that has [redacted] months bank statements with [redacted] then [redacted] which added an additional [redacted] bringing total income to [redacted]). In addition, the borrower does have [redacted] large car payments, [redacted] and [redacted], which are paid from business [redacted], previously with [redacted]. (Please note; the [redacted] payments were double paid on [redacted] separate occasions making up [redacted] months proof of payment). When updating the income and excluding the debt paid by the business the borrower's ratios come in at [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| 225816017 | [Redacted] | [Redacted] | 36817603 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted]of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI exceeded maximum [redacted]due to including business bank statement expense ratio (Fixed) [redacted] | Reviewer Comment (2026-08-20): Bank statement calculated as per provided income worksheet. Exception cleared. Buyer Comment (2026-08-19): Please see updated 1008/1003 and Additional income calculator Income has been updated to reflect [redacted] . Plus Borrower has an additional account that has [redacted] months bank statements with [redacted] then [redacted] which added an additional [redacted] bringing total income to [redacted]). In addition, the borrower does have [redacted] large car payments, [redacted] and [redacted], which are paid from business [redacted], previously with [redacted]. (Please note; the [redacted] payments were double paid on [redacted] separate occasions making up [redacted] months proof of payment). When updating the income and excluding the debt paid by the business the borrower's ratios come in at [redacted] |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| 225816017 | [Redacted] | [Redacted] | 36817738 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI exceeded maximum [redacted]due to including business bank statement expense ratio (Fixed) [redacted] | Reviewer Comment (2026-09-01): Cleared. Received updated bid tape Reviewer Comment (2026-09-01): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted] Bid Tape Investor Qualifying Total Debt Ratio: [redacted] Buyer Comment (2026-08-31): Bid tape has been updated, please clear. Reviewer Comment (2026-08-20): DTI was calculated at [redacted] using the provided income worksheet and matches the 1008; however, a DTI discrepancy is appearing in the data compare results. Exception remains. Buyer Comment (2026-08-19): Please see updated 1008/1003 and Additional income calculator Income has been updated to reflect [redacted] . Plus Borrower has an additional account that has [redacted] months bank statements with [redacted] then [redacted] which added an additional [redacted] bringing total income to [redacted]). In addition, the borrower does have [redacted] large car payments, [redacted] and [redacted], which are paid from business [redacted], previously with [redacted]. (Please note; the [redacted] payments were double paid on [redacted] separate occasions making up [redacted] months proof of payment). When updating the income and excluding the debt paid by the business the borrower's ratios come in at [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| 225816017 | [Redacted] | [Redacted] | 37455984 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy:ratios/bid-tape to be updated | Reviewer Comment (2026-09-08): Received updated Income Worksheet and updated 1008/1003 is verified and associated, exception cleared. Buyer Comment (2026-09-04): Please see updated income worksheet completed by the original underwriter, updated 1008/1003 and note that the bid tape has been updated. |
09/08/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| 225830313 | [Redacted] | [Redacted] | 36819772 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Letter of explanation for deposits document date is missing. | Reviewer Comment (2026-07-21): LOX was signed at closing, a verification date is not required for letter of explanation, exception cleared. Buyer Comment (2026-07-17): Please clarify as to which LOE is in question so [redacted] can advise |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225830313 | [Redacted] | [Redacted] | 36819802 | 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 (2026-07-21): LOX was signed at closing, a verification date is not required for letter of explanation, exception cleared. Buyer Comment (2026-07-17): Per the mavent report, this needs to be designated as a NON QM to clear this condition |
07/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225830313 | [Redacted] | [Redacted] | 36819805 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland 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. | Buyer Comment (2026-07-17): ** WAIVED ** |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225830313 | [Redacted] | [Redacted] | 36819806 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML 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. | Buyer Comment (2026-07-17): ** PC WAIVED ** |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225830313 | [Redacted] | [Redacted] | 36819814 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[redacted] not received by borrower at least [redacted] ([redacted]) business days prior to closing. | Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] ([redacted]) business days prior to closing. | Reviewer Comment (2026-07-30): [redacted] Received disclosure summary showing LE viewed by borrower on [redacted]. Buyer Comment (2026-07-29): Please see attached confirmation that the borrower received the revised LE on[redacted]. Kindly remove condition Reviewer Comment (2026-07-28): [redacted]acknowledges the rebuttal comment. However, the file does not contain evidence of the earliest receipt of the LE dated [redacted], which was reportedly received on [redacted]. Additionally, the LE dated [redacted] was signed by the borrower on [redacted], which is not at least [redacted] business days prior to consummation. Please provide proof of receipt for testing. Buyer Comment (2026-07-27): that is correct. Which is [redacted] days prior to close. Kindly remove conditions Reviewer Comment (2026-07-24): [redacted] Provide supporting documents showing borrower viewed the LE on [redacted] Buyer Comment (2026-07-23): Please see doc [redacted]page [redacted]showing the Disbursement date of [redacted]. The borrower received the revised LE on[redacted] which is within [redacted] days of closing. [redacted]is in accordance and this suspense condition should be cleared. Reviewer Comment (2026-07-21): [redacted]LE [redacted] signed by borrower on [redacted]. Consummation date is [redacted] is day [redacted], [redacted] is day [redacted],[redacted] is day [redacted] is day [redacted]. Provide evidence borrower viewed/ received the LE [redacted] days prior to closing. Buyer Comment (2026-07-20): The LE on [redacted] was signed by the borrower on [redacted]. Kindly remove condition Reviewer Comment (2026-07-20): [redacted] received COC. However, there is no document in order to support that the borrower received revised LE [redacted] business days prior to closing. Buyer Comment (2026-07-17): The loan closed on [redacted], the borrower received the revised LE on[redacted] within the [redacted] day window. Kindly remove condition |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225830313 | [Redacted] | [Redacted] | 36819815 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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] Percent Fee Tolerance exceeded. Total amount of[redacted] exceeds tolerance of [redacted]plus [redacted]% or [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-18): [redacted] received rebuttal and valid COC document Buyer Comment (2026-08-14): Please reevaluate and remove this condition. [redacted] was notified of the increase on [redacted]. The change was disclosed to the borrower within [redacted]days. PCCD, LOX, and check are not required on this one. Kindly remove condition Reviewer Comment (2026-08-13): [redacted] received comment stating non subject property is owned free and clear. However, we would also require additional information when did the lender/title company discovered the need for additional recording and also why it was not charged on initial LE, how it resulted in the additional recording fees disclosed on the revised LE. Kindly provide detailed reason or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-08-13): Please see attached. The Non-subject property is owned free and clear. Kindly remove condition Reviewer Comment (2026-07-20): [redacted] received COC. However, we would also require supporting document for the release of prior lien in order to clear the exception. Buyer Comment (2026-07-17): Please see attached copy of COC to clear condition |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | 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 | |||||||||
| 225830313 | [Redacted] | [Redacted] | 36819816 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] 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. | Reviewer Comment (2026-08-14): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-08-13): Please see doc [redacted]page [redacted]showing lender credit involving [redacted]. Kindly remove condition Reviewer Comment (2026-07-20): [redacted] received COC.However, the provided COC doesn't specify a valid reason for the credit report fee increased on CD dated [redacted] for [redacted].Therefore, Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-07-17): Please see attached copy of COC to clear condition |
08/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MD | 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 | |||||||||
| 225830313 | [Redacted] | [Redacted] | 36819824 | 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. | Letter of explanation for deposits document date is missing. | Reviewer Comment (2026-07-21): LOX was signed at closing, a verification date is not required for letter of explanation, exception cleared. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225830313 | [Redacted] | [Redacted] | 37254856 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 at closing | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225831155 | [Redacted] | [Redacted] | 36828436 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | No valid COC or lender cure was provided for the increase in 0% tolerance fees. | 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 | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225831155 | [Redacted] | [Redacted] | 36828814 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Flood insurance is paid and covered by HOA for the whole project. | Reviewer Comment (2026-08-10): Cleared. Updated HOA fee per condo rider. Buyer Comment (2026-08-06): Please review the Condo Rider for the purchase contract ([redacted]) that shows the HOA dues are [redacted] which matches the appraisal + an additional [redacted] quarterly[redacted] for the rent on the recreational area. [redacted] which matches back to the final CD. Reviewer Comment (2026-07-28): We do not consider CD as proof for HOA payment. Require document verifying the HOA paid of amount [redacted]. Exception remains. Buyer Comment (2026-07-24): The CD IS proof of HOA paid in the amount of [redacted]. Reviewer Comment (2026-07-24): Document verifying the HOA paid of amount [redacted] is missing in file. Exception remains. Buyer Comment (2026-07-22): Per CD HOA is [redacted] (See page [redacted] of Final CD - Non-Escrowed Property Costs = [redacted]. Flood Insurance policy is in file, and is verified as being paid by the HOA which is acceptable. Owners are not responsible for obtaining their own coverage. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225831155 | [Redacted] | [Redacted] | 36828836 | 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 (2026-08-10): Upated to max [redacted] DTI, meets guideline requirements. Buyer Comment (2026-08-06): Please review the Condo Rider for the purchase contract ([redacted]) that shows the HOA dues are [redacted] which matches the appraisal + an additional [redacted] quarterly[redacted] for the rent on the recreational area. [redacted] which matches back to the final CD. Reviewer Comment (2026-07-28): We do not consider CD as proof for HOA payment. Require document verifying the HOA paid of amount [redacted]. Exception remains. Buyer Comment (2026-07-24): The CD IS proof of HOA paid in the amount of [redacted]. Reviewer Comment (2026-07-24): Document verifying the HOA paid of amount [redacted] is missing in file. Exception remains. Buyer Comment (2026-07-22): Loan designation should be QM APOR |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225831155 | [Redacted] | [Redacted] | 36828838 | 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. | Flood insurance is paid and covered by HOA for the whole project. | Reviewer Comment (2026-08-10): Upated to max [redacted] DTI, meets guideline requirements. Buyer Comment (2026-08-06): Please review the Condo Rider for the purchase contract ([redacted]) that shows the HOA dues are [redacted] which matches the appraisal + an additional [redacted] quarterly[redacted] for the rent on the recreational area. [redacted] which matches back to the final CD. Reviewer Comment (2026-07-28): We do not consider CD as proof for HOA payment. Require document verifying the HOA paid of amount [redacted]. Exception remains. Buyer Comment (2026-07-24): The CD IS proof of HOA paid in the amount of [redacted]. Reviewer Comment (2026-07-24): Document verifying the HOA paid of amount [redacted] is missing in file. Exception remains. Buyer Comment (2026-07-22): Flood Insurance [redacted]. Coverage is paid by the HOA which is acceptable. Individual owners do not have to obtain their own flood insurance since HOA covers the policy |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225831155 | [Redacted] | [Redacted] | 37189501 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and[redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The Qualifying DTI [redacted]% exceeds guideline maximum DTI of [redacted]% | Reviewer Comment (2026-08-10): Upated to max [redacted] DTI, meets guideline requirements. |
08/10/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225831155 | [Redacted] | [Redacted] | 37189508 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The Qualifying DTI [redacted]% exceeds guideline maximum DTI of [redacted]%. DTI matches with 1008. | Reviewer Comment (2026-08-10): Upated to max [redacted] DTI, meets guideline requirements. |
08/10/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225832691 | [Redacted] | [Redacted] | 36830587 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Verification that the use of business funds will not have a negative impact on the business via a CPA letter or cash flow analysis for business account #[redacted] is required. | Reviewer Comment (2026-08-24): Received cash flow analysis for the account [redacted]. Exception cleared. Buyer Comment (2026-08-20): cash flow analysis has been uploaded. Kindly remove condition |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225832691 | [Redacted] | [Redacted] | 36830589 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Verification that the use of business funds will not have a negative impact on the business via a CPA letter or cash flow analysis for business account #[redacted]is required. | Reviewer Comment (2026-08-20): Cash Flow Analysis associated, Exception Cleared. Buyer Comment (2026-08-19): Please see attached copy of Cash Flow analysis to clear remaining conditions |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225832691 | [Redacted] | [Redacted] | 36830593 | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. | [redacted] months' verification of rent is missing from the file. | Reviewer Comment (2026-07-21): Received bank statement with rent payment history of [redacted] months along with lease agreement. Exception cleared. Buyer Comment (2026-07-17): Please see attached copy of bank statements supporting the rent amount. Kindly remove condition |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225832691 | [Redacted] | [Redacted] | 36830605 | 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 verification that the use of business funds will not have a negative impact on the business via a CPA letter or cash flow analysis for business account #[redacted]is required. | Reviewer Comment (2026-08-20): Cash Flow Analysis associated, Exception Cleared. |
08/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225832691 | [Redacted] | [Redacted] | 36830606 | 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 verification that the use of business funds will not have a negative impact on the business via a CPA letter or cash flow analysis for business account #[redacted]is required. | Reviewer Comment (2026-08-20): Cash Flow Analysis associated, Exception Cleared. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225832691 | [Redacted] | [Redacted] | 36830608 | 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 verification that the use of business funds will not have a negative impact on the business via a CPA letter or cash flow analysis for business account #[redacted]is required. | Reviewer Comment (2026-08-20): Cash Flow Analysis associated, Exception Cleared. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225832691 | [Redacted] | [Redacted] | 36830611 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-26): Sufficient Cure Provided At Closing |
06/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225832691 | [Redacted] | [Redacted] | 36830612 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225833143 | [Redacted] | [Redacted] | 36831016 | Compliance | Compliance | Federal Compliance | Compliance | Buydown Subsidy Collected Greater Than Buydown Terms - Buydown Terms Not Considered | HUD/CD reflects Temporary Buydown Amount in the amount of $[redacted]. Temporary Buydown Agreement not in file. Unable to determine if temporary buydown amount collected is sufficient per terms of Buydown Agreement Payment Schedule. Additional subsidy or refund/credit of overage may be required if amount collected does not match terms of buydown agreement. | Final closing disclosure dated [redacted] reflects buydown subsidy but buydown agreement is not provided. | Reviewer Comment (2026-07-27): Document provided Reviewer Comment (2026-07-27): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: HUD/CD reflects Temporary Buydown Amount in the amount of [redacted]. Temporary Buydown Agreement not in file. Unable to determine if temporary buydown amount collected is sufficient per terms of Buydown Agreement Payment Schedule. Additional subsidy or refund/credit of overage may be required if amount collected does not match terms of buydown agreement. Buyer Comment (2026-07-23): Please see attached Reviewer Comment (2026-07-23): Buydown agreement is missing in the initial closing package. Exception remains. Buyer Comment (2026-07-21): The buydown agreement is included in the closed loan signature package and was provided with the closing documents. Per program requirements, this document is not required to be signed. Please review the executed closing package for the included buydown agreement and clear this condition. Reviewer Comment (2026-07-20): Provided document is already available in the file, please provide the signed copy of buydown agreement to calculate the rate and terms. Buyer Comment (2026-07-16): Please see attached buydown agreement |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225833143 | [Redacted] | [Redacted] | 36831017 | Compliance | Compliance | Federal Compliance | Compliance | Temporary Buydown Agreement Missing | Temporary Buydown Agreement Missing from File. Unable to source buydown terms from alternate documents in file. | Reviewer Comment (2026-07-28): [redacted] received buydown agreement. Buyer Comment (2026-07-27): Please see attached. Buyer Comment (2026-07-23): Waterfall Reviewer Comment (2026-07-23): Buydown agreement is missing in the initial closing package. Exception remains. Buyer Comment (2026-07-21): Waterfall Reviewer Comment (2026-07-20): Provided document is already available in the file, please provide the signed copy of buydown agreement to calculate the rate and terms. Buyer Comment (2026-07-16): Waterfall |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225833143 | [Redacted] | [Redacted] | 36842165 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Buydown Term is missing. | Reviewer Comment (2026-07-27): Document provided [redacted] Buyer Comment (2026-07-23): Waterfall Reviewer Comment (2026-07-23): Buydown agreement is missing in the initial closing package. Exception remains. Buyer Comment (2026-07-21): Waterfall Reviewer Comment (2026-07-20): Provided document is already available in the file, please provide the signed copy of buydown agreement to calculate the rate and terms. Buyer Comment (2026-07-16): Waterfall |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 225841175 | [Redacted] | [Redacted] | 36846882 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-06-30): Sufficient Cure Provided At Closing |
06/30/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225841175 | [Redacted] | [Redacted] | 36846898 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Disclosed Finance Charges are $[redacted]. Due Diligence Finance Charges are $[redacted]. There is a variance of -$[redacted]. | Reviewer Comment (2026-08-20): [redacted]received lender email confirming title-service charge is cost for producing title policy over the risk rate premium. title policy is excludable fee under [redacted] Buyer Comment (2026-08-19): Per the title email, since the passing of the new bill, the cost stayed the same to the borrower, but the way the fees were disclosed did. A cure is not required on this. Kindly reevaluate and remove condition Reviewer Comment (2026-08-18): 1. [redacted] cited sets forth the disclosure requirements for the Title Insurance Premium and Title Service Charge Disclosure Statement. Section [redacted] of the same [redacted] statute also provides: ...Other Charges including but not limited to, the closing protection fee, abstract or title search and examination, settlement or closing fees or other associated charges or fees shall be listed on lines other than the "Title Insurance" line... The only mandate is to disclose Title Insurance premium separately. All other charges must be separated from title insurance but the regulation does not require that all Title Service Charges be disclosed as a single aggregate charge. 2. While [redacted]defines "Title Service Charge" as any title service related charge that is NOT a 1) title insurance premium, 2) closing protection fee, or 3) a fee for handing escrows, settlement, or closing, without itemization or confirmation from the title company charging the fee, we cannot assume the aggregate charge is comprised solely of [redacted]-type charges as title could include other title service charges in the total such as title processing and title admin fees which are neither [redacted] fees nor escrow/settlement/closing fees. (H) "Title service charge," any charge as defined in [redacted], except for any closing protection fee or any fee for the handling of escrows, settlements, or closing; [redacted] in turn defines charge as: (A) Charge means any fee charged to the insured, or paid for the benefit of the insured, for the performance of title-related services other than the risk rate charged for title insurance. This charge shall include, but not be limited to, fees for abstracts, title search and examination and handling of escrows, settlements, or closings; and 3. Further, TRID regulations provide that fees should be labeled in a manner that clearly and conspicuously describes the service that is disclosed: [redacted] and commentary ([redacted]) Item descriptions and ordering. The items listed as loan costs pursuant to this paragraph ([redacted]) shall be labeled using terminology that describes each item, subject to the requirements of paragraphs [redacted] of this section. 3. Description of charges. Other than for points charged in connection with the transaction to reduce the interest rate, for which specific language must be used, the creditor may use a general label that uses terminology that, under §[redacted], is consistent with § [redacted], clearly and conspicuously describes the service that is disclosed as an origination charge pursuant to § [redacted]. Without knowledge of [redacted] law, the fee label "Title - Service Charges" is ambiguous and does not clearly and conspicuously describe the service(s) performed. Accordingly, notwithstanding [redacted] law, the TILA disclosures on its own is not clear and due diligence review cannot assume that the fee labeled "Title - Service Charges" is entirely comprised of [redacted] fees that would be considered non-finance charges without other documentation or confirmation/attestation from title that the amount charged and labeled "Title - Service Charges" are in fact limited to title exam, title search, and other [redacted] purposes and does not also include other title service fees that would be considered finance charges. OK 4. Accordingly, in order to exclude "Title - Service Charges" from finance charge considerations on loans with a property state of [redacted], we would look for one of the following from the title company to be included in the loan file for documentation of the basis for exclusion: 1) an itemization of fees/services included in the "Title - Service Charges"; or 2) written confirmation/attestation from Title company that the fee labeled "Title - Service Charges" is comprised only of[redacted] fees such as title examination, abstract of title, title insurance, property survey, and similar purposes, and does not include charges for ancillary title services such as title admin, title processing, etc. If title indicates in their attestation that this is their practice consistently for all transactions, a single attestation may be acceptable for all transactions where the property state is [redacted] and the title company providing the attestation is the provider to whom the "Title - Service Charges" on the CD is paid to. Buyer Comment (2026-08-17): Please see attached copy of title email. Kindly reevaluate and remove condition |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225841175 | [Redacted] | [Redacted] | 36849920 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI exceeds guideline maximum due to appraisal missing for departing residence and debt obligations added to DTI calculation as a result. | Reviewer Comment (2026-07-02): Received AVM. Cleared. Buyer Comment (2026-07-01): waterfall |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225841175 | [Redacted] | [Redacted] | 36849931 | 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 DTI discrepancy causing loan designation mismatch. | Reviewer Comment (2026-07-02): Received AVM. Cleared. Buyer Comment (2026-07-01): waterfall |
07/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225841175 | [Redacted] | [Redacted] | 36849932 | 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 DTI discrepancy. | Reviewer Comment (2026-07-02): Received AVM. Cleared. Buyer Comment (2026-07-01): waterfall |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225841175 | [Redacted] | [Redacted] | 36849933 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI exceeds guideline maximum due to appraisal missing for departing residence and debt obligations added to DTI calculation as a result. | Reviewer Comment (2026-07-02): Received AVM. Cleared. Buyer Comment (2026-07-01): waterfall |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225841175 | [Redacted] | [Redacted] | 36849988 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI exceeds guideline maximum due to appraisal missing for departing residence and debt obligations added to DTI calculation as a result. | Reviewer Comment (2026-07-02): Received AVM. Cleared. Buyer Comment (2026-07-01): Please see attached copy of AVM for departing residence to clear conditions |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225841175 | [Redacted] | [Redacted] | 36850020 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Appraisal evidencing the departing residence has at least [redacted]% equity after deduction of all liens outstanding against the property is missing in file. | Reviewer Comment (2026-07-02): Received AVM. Cleared. Buyer Comment (2026-07-01): waterfall |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225841175 | [Redacted] | [Redacted] | 37265740 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: FICO | Reviewer Comment (2026-08-20): Cleared. Corrected data entry for FICO Buyer Comment (2026-08-18): [redacted] respectfully disagrees with [redacted] FICO designation. Per Guideline, Full Doc Signature expanded loans use the middle score of the primary earner. B1, [redacted] , is the primary earner and their FICO is [redacted] . Please review [redacted] and update [redacted] |
08/20/2026 | No | 1 | A | A | A | A | A | MO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225846888 | [Redacted] | [Redacted] | 36848722 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing in the loan file. | Reviewer Comment (2026-08-25): Guarantor Agreement signed by both individuals, cleared Buyer Comment (2026-08-25): personal guaranty Reviewer Comment (2026-08-19): Provided guarantee agreement signed by only [Redacted], please provide fully executed guarantee agreement signed by both individuals. Exception remains. Buyer Comment (2026-08-18): signed guaranty agreement |
08/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225849641 | [Redacted] | [Redacted] | 36862868 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-16): E-Sign Consent Agreement received, exception cleared Buyer Comment (2026-07-14): eConsent |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225849641 | [Redacted] | [Redacted] | 36863130 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date is not provided on the award letter. | Reviewer Comment (2026-07-16): Document date considered as start date, Exception Cleared Buyer Comment (2026-07-14): Rebuttal |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849641 | [Redacted] | [Redacted] | 36863838 | 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 award letter in file not dated. | Reviewer Comment (2026-07-16): Document date considered as start date, Exception Cleared |
07/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225849641 | [Redacted] | [Redacted] | 36863839 | 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 award letter in file not dated. | Reviewer Comment (2026-07-16): Document date considered as start date, Exception Cleared |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225849641 | [Redacted] | [Redacted] | 36864756 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for: The borrower is a horse trainer and has an arena on site for training and working with horses and their owners/riders. The borrower's business is also conducted off site in other states and countries, so she is not just using the onsite facility for her income. The LTV is below [redacted]% with approximately $[redacted]in cash out for additional cash reserves and investment purposes. | Borrower has been employed in the same industry for more than [redacted]years. Borrower has owned the subject property for at least [redacted] Borrower has verified disposable income of at least [redacted] Borrower has worked in the same position for more than [redacted] Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[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. |
Borrower has been employed in the same industry for more than [redacted] years. Occupancy: Primary Documentation Type: [redacted] Disposable Income: [redacted] Borrower has worked in the same position for more than [redacted] Reserves: [redacted] Guideline Requirement: [redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-16): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-14): exception |
07/16/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MT | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225849641 | [Redacted] | [Redacted] | 36865887 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] ([redacted]) business days from transaction date of [redacted]. | Reviewer Comment (2026-08-07): Final Closing Statement with disbursement date provided. Exception cleared. Buyer Comment (2026-08-06): Disbursed on [redacted] which is after the [redacted] days |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225849641 | [Redacted] | [Redacted] | 36865888 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Reviewer Comment (2026-08-31): Updated RTC was provided. Buyer Comment (2026-08-27): New RTC with proof of delivery Reviewer Comment (2026-08-12): the RTC signature date of [redacted] The Rescission period on a loan starts when the latest of [redacted] things occurs: • the receipt of the notice of right to cancel; • the consummation of the loan; and • the receipt by the consumer of the accurate material disclosures. For this loan, the receipt of the [redacted] is[redacted], consummation is [redacted], and receipt of material disclosures is [redacted] The issue we are citing is that rescission is starting on [redacted] (as indicated above) and therefore we would expect the Rescission Expiration Date on the [redacted] to reflect[redacted], but it reflects a date of [redacted]. The issue is not the Disbursement Date as it appears they did not disburse until [redacted], which is valid. [redacted] has had numerous discussions with its outside counsel regarding the grading severity when using an inaccurate rescission expiration date. An inaccurate rescission expiration date would occur when the field is left blank altogether or reflects a date that is sooner than the latest of the [redacted] events discussed above. Cure would require lender to provide the following: Letter of Explanation, Proof of Delivery, and new Rescission Notice with new Rescission Expiration Date dated at least [redacted] business days from proof of delivery date Reviewer Comment (2026-08-11): The actual RTC is incorrect. The Juneteenth date was used for a RTC date which cannot be utilized. Buyer Comment (2026-08-10): See disbursement date confirmation |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225849812 | [Redacted] | [Redacted] | 36868565 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification, statement not provided in file. | Reviewer Comment (2026-07-08): Received HOA document for primary property. Exception cleared. Buyer Comment (2026-07-07): Please see attached copy of HOA invoice for REO property. Kindly remove condition |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849812 | [Redacted] | [Redacted] | 36868594 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | For co-borrower - Final 1003 reflects Occupancy: Investment; Declarations/Will borrower occupy: Yes in declaration. | Reviewer Comment (2026-07-08): Received corrected 1003 with appropriate co-borrower occupancy declaration. Exception cleared. Buyer Comment (2026-07-07): Please see attached copy of revised 1003 to clear the condition |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225849812 | [Redacted] | [Redacted] | 36868612 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The difference in DTI ratio due to REO property P&I amount is not matching with lender's calculation reflecting in 1008. | Reviewer Comment (2026-09-17): Bid tape has been updated. Exception cleared Buyer Comment (2026-09-16): Bid tape has been updated, kindly remove condition Reviewer Comment (2026-08-19): Received updated loan docs and DTI variance is within tolerance of 1008. However there is still a iscrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted] however due diligence is [redacted]. An updated Bid tape for the DTI is required. Reviewer Comment (2026-08-19): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted] Bid Tape Investor Qualifying Total Debt Ratio: [redacted] Buyer Comment (2026-08-18): Please see doc [redacted] verifying payment. Kindly remove condition Reviewer Comment (2026-08-18): Please provide supporting documentation to verify the mortgage payment for the HELOC for the [redacted]. The 1003 reflects[redacted] Buyer Comment (2026-08-14): Please see attached revised 1003 / 1008. DTI is true at [redacted]. Kindly reevaluate and remove condition Reviewer Comment (2026-08-06): Reviewed all documentation in the file. There is only [redacted] document regarding the first mortgage on the primary residence ([redacted]). That document reflects the payment of $[redacted]. Taxes [redacted], Insurance [redacted]. Condition remains. Buyer Comment (2026-08-04): Per the transmittal summary, PITIA is in the amount of[redacted]. Kindly remove condition Reviewer Comment (2026-08-04): There is only [redacted] document in the file showing the payment that was showing the payment of [redacted]. The heloc agreement provided does not provide a payment. Buyer Comment (2026-07-31): PITIA for HELOC is as follows: [redacted]. Kindly reevaluate and remove condition Reviewer Comment (2026-07-30): Reviewed all documents including the Heloc agreement etc. The only document in the file to support any payment on the Heloc ([redacted]) reflects the payment on the Heloc is [redacted] which is what DD is utilizing. Lender is using a payment of [redacted]. There is no supporting documentation to support this payment. Reviewer Comment (2026-07-30): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted] Bid Tape Investor Qualifying Total Debt Ratio: [redacted] Buyer Comment (2026-07-29): Please see attached. Buyer Comment (2026-07-23): Please see attached and clear condition. The borrower took out a HELOC on the property and was included in the application Reviewer Comment (2026-07-08): Require copy of mortgage payoff statement to verify property [redacted] is free and clear, updated 1003 and 1008 reflecting changes. Exception Remains. Buyer Comment (2026-07-07): Please see attached. The primary home is owned free and clear. Kindly remove condition |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225849812 | [Redacted] | [Redacted] | 36883744 | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided | The copy of the closing statement for the secured loan is not legible. Please provide legible copy to support funds to close. | Reviewer Comment (2026-07-08): Legible copy of closing statement for secured loan on primary property available in file. Exception cleared. Buyer Comment (2026-07-07): Please see attached HELOC docs to clear condition. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225852329 | [Redacted] | [Redacted] | 36869642 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Statement, Tax Verification not provided in file. | Reviewer Comment (2026-08-25): Received statement. Cleared. Buyer Comment (2026-08-21): Please see attached copy of mortgage statement / HOI to clear this suspense condition Reviewer Comment (2026-08-21): Please provided supporting documentation to verify the monthly expenses for the Page st property. Buyer Comment (2026-08-19): waterfall Reviewer Comment (2026-07-17): The provided HELOC statement for the REO does not reflect the monthly P&I, taxes, insurance, and HOA expenses of [redacted], nor the additional monthly expense of [redacted], as reflected in the final 1003. The exception remains. Buyer Comment (2026-07-16): Please see attached HELOC for departing residence to clear condition Reviewer Comment (2026-07-16): The mortgage statement for the first lien with a payment amount of [redacted], along with the hazard insurance policy, tax certificate, and HOA documentation, is required, as the final 1003 reflects a monthly expense of [redacted]. Since the supporting source documents are not available in the file for verification, the exception remains. Buyer Comment (2026-07-15): Please see attached copy of REO docs to clear this condition |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225852329 | [Redacted] | [Redacted] | 36869666 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Additional asset not provided in file to meet reserve requirement. As per final 1003, account number[redacted], and the most recent account statement in file doesn't reflect the same amount. | Reviewer Comment (2026-08-19): As per available document information re-validated and reserve requirement suffices. Exception Cleared. Buyer Comment (2026-08-17): Kindly reevaluate and remove condition. The funds were transferred from the HELOC account (on 1003) to their joint account. There is no reserve discrepancy. Reviewer Comment (2026-08-17): Provided HELOC bank statement snip belongs to account#[redacted] however this account funds not used for reserve requirement as per final 1003, we would require 1003 to reflect this account or else as per earlier request please provide bank statement with additional reserve for account [redacted]account [redacted] to reflect as [redacted] to fulfill the reserve requirement. Exception Remains. Buyer Comment (2026-08-13): Please see attached. The balance in the HELOC account were transferred to the joint account. There is not a reserve issue. Kindly remove conditions Reviewer Comment (2026-07-16): As per final 1003 doc id [redacted]account number [redacted] acct [redacted] reflects balance as [redacted] but we don't have it causing discrepancy in reserves. Required most recent Bank statement for this account or else other document to met reserve requirement .Exception remains. Buyer Comment (2026-07-15): Borrower had[redacted] down earnest money causing the discrepancy. Borrower's reserves are still within guidelines. Kindly reevaluate and remove condition |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225852329 | [Redacted] | [Redacted] | 36869671 | 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. | Additional asset not provided in file to meet reserve requirement. As per final 1003, account number[redacted], and the most recent account statement in file doesn't reflect the same amount. | Reviewer Comment (2026-08-19): As per available document information re-validated and reserve requirement suffices. Exception Cleared. Buyer Comment (2026-08-17): waterfall |
08/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225852329 | [Redacted] | [Redacted] | 36869672 | 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. | Additional asset not provided in file to meet reserve requirement. As per final 1003, account number[redacted], and the most recent account statement in file doesn't reflect the same amount. | Reviewer Comment (2026-08-19): As per available document information re-validated and reserve requirement suffices. Exception Cleared. Buyer Comment (2026-08-17): waterfall |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225852329 | [Redacted] | [Redacted] | 36869673 | 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.) | Additional asset not provided in file to meet reserve requirement. As per final 1003, account number [redacted]acct [redacted]indicates $[redacted], and the most recent account statement in file doesn't reflect the same amount. | Reviewer Comment (2026-08-19): As per available document information re-validated and reserve requirement suffices. Exception Cleared. Buyer Comment (2026-08-17): waterfall |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225852329 | [Redacted] | [Redacted] | 36869675 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal fee in Loan Estimate is $[redacted], and Closing Disclosure reflects $[redacted]. No valid COC in file. | 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 | MA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225852329 | [Redacted] | [Redacted] | 36870296 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Additional asset not provided in file to meet reserve requirement. As per final 1003, account number [redacted] acct [redacted] indicates $[redacted], and the most recent account statement in file doesn't reflect the same amount. | Reviewer Comment (2026-08-19): As per available document information re-validated and reserve requirement suffices. Exception Cleared. Buyer Comment (2026-08-17): waterfall |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225852333 | [Redacted] | [Redacted] | 36869625 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | File does not contain a valid COC for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-08-07): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-06): Sent out today Buyer Comment (2026-08-06): PCCD with cure Reviewer Comment (2026-07-20): [redacted] received changed circumstance indicating loan amount changed. It is unclear how the mortgage amount impacted the recording fees as the fees are typically a flat fee and a per page charge. Additional information on how the loan amount increase impacted recording or a cure is required. Buyer Comment (2026-07-17): ICD with COC |
08/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 225852333 | [Redacted] | [Redacted] | 36869626 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was disclosed on initial Loan Estimate as $[redacted]but disclosed on final Closing Disclosure as $[redacted]. File does not contain a valid COC for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-07-20): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-07-17): See [redacted] page [redacted] for final cd, bottom of page two has cure |
07/20/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 225853493 | [Redacted] | [Redacted] | 36868983 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | For member, OFAC is not provided in the file. | Reviewer Comment (2026-08-10): Received OFAC for member. Exception cleared. Buyer Comment (2026-08-06): Please see attached Fraud report with OFAC ran on Member and business Entity. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225853493 | [Redacted] | [Redacted] | 36872219 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Unanimous Consent & Resolution to Borrow is not located in the file. | Reviewer Comment (2026-08-10): Received corporate resolution signed by all members. Exception cleared. Buyer Comment (2026-08-06): Please see attached Unanimous Consent & Resolution |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225853865 | [Redacted] | [Redacted] | 36874737 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Public Record Type: Charge-offs / Balance: $[redacted] without payment plan. | Buyer Comment (2026-07-29): ** WAIVED ** |
07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||||||
| 225853865 | [Redacted] | [Redacted] | 36874759 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Final Title Policy was not provided in the file. | Reviewer Comment (2026-08-24): Final Title Policy, cleared Buyer Comment (2026-08-24): Please see attached evidence of Title to clear remaining suspense conditions Reviewer Comment (2026-08-05): Reviewed Alta statement, however that is not the document being requested. A copy of the title commitment is missing from the file. Buyer Comment (2026-08-03): Please see doc [redacted] showing ALTA statement. Kindly review and remove condition Reviewer Comment (2026-08-03): No new document is received. Require preliminary title policy. Exception remains. Buyer Comment (2026-07-31): [redacted] feels as if this can take place of the FTP. Kindly reevaluate and remove condition Reviewer Comment (2026-07-31): The required Title Report has not been provided. Exception remains. Buyer Comment (2026-07-29): Please see attached copy of fully executed closing statements to clear conditions |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225853865 | [Redacted] | [Redacted] | 36874786 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Title policy was not found in file. | Reviewer Comment (2026-08-24): Final Title Policy, cleared Reviewer Comment (2026-07-31): The required Title Report has not been provided. Exception remains. Buyer Comment (2026-07-29): waterfall |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225853865 | [Redacted] | [Redacted] | 36874795 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | HUD/Closing Disclosure was not found in file. | Reviewer Comment (2026-07-31): Received a copy of the fully executed Closing Statement. Exception cleared. Buyer Comment (2026-07-29): waterfall |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225853865 | [Redacted] | [Redacted] | 36874824 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Account Statements listed in final 1003 were not provided. | Reviewer Comment (2026-08-03): Received revised final 1003 application with only asset as [redacted] account ending with #[redacted] . Exception cleared. Buyer Comment (2026-07-31): Please see attached revised 1003 showing correct bank account that was used at application. Kindly remove condition Reviewer Comment (2026-07-14): Per the final 1003 application and 1008 funds sourced from [redacted] Account #[redacted] were used for closing costs and reserve requirements. However, the account statement for [redacted] Account #[redacted] is missing. Exception Remains Buyer Comment (2026-07-13): please see doc [redacted] for business bank statements. Kindly remove condition |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225853865 | [Redacted] | [Redacted] | 36880892 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final executed closing statement was not provided. | Reviewer Comment (2026-07-31): Received a copy of the fully executed Closing Statement. Exception cleared. Buyer Comment (2026-07-29): waterfall |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225854403 | [Redacted] | [Redacted] | 36878147 | Credit | Income | Document Error | Income | Bank statement page number is blank. | - | The file is missing a copy of the month of [redacted] bank statement for account #[redacted]. | Reviewer Comment (2026-07-09): [redacted] bank statement for month of [redacted] provided in file. Exception cleared Seller Comment (2026-07-08): Kindly advise on the request for bank statement from [redacted] and blank page. The full [redacted] [redacted] bank statement has been uploaded |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225854403 | [Redacted] | [Redacted] | 36878148 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the HOA Verification, Tax Verification for property #[redacted] | Reviewer Comment (2026-07-20): Received updated 1003 with the corrected monthly other expenses, matching with the provided documents. Exception Cleared. Seller Comment (2026-07-16): updated 1008 Seller Comment (2026-07-16): UPDATED 1003 Reviewer Comment (2026-07-16): As per final 1003, total other expenses [redacted] used to qualify. As per documents in file Taxes-[redacted]. Required supporting document for remaining expenses [redacted]. Exception remains. Seller Comment (2026-07-15): CORRECTION: have calculated with higher amount, and see where the difference of [redacted] is coming from. Will get with partner on this. Seller Comment (2026-07-15): Please clarify as original condition asked to validate the [redacted] monthly housing expense reflected on the 1003 which would be [redacted] and now the updated condition states that there is a remaining expense eof [redacted] is not provided. When reviewing the final 1003, I see a total of [redacted] is being charged. Please provide your clear calculations on the breakdowns. I am seeing [redacted] per month for taxes, $[redacted] for HOA, [redacted] for HOI which totals to [redacted] Reviewer Comment (2026-07-15): Documentation for remaining expense [redacted] is not provided. Exception remains. Seller Comment (2026-07-13): [redacted]. PITIA - executed CD, Note, mtg, HOI, HOA, property taxes. Please note vesting in LLC so this should not be showing on borrowers credit report. Reviewer Comment (2026-07-09): Property located at [redacted]is owned by the borrower. Closing Disclosure indicates that taxes and insurance are not escrowed. Require tax and HOA verification to support and validate the [redacted] monthly housing expense reflected on the final 1003. Exception remains Seller Comment (2026-07-08): See the attached Seller Comment (2026-07-08): Kindly advise. All closing CD and REO data provided and uploaded. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225854403 | [Redacted] | [Redacted] | 36878150 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the HOA Verification, Tax Verification for property [redacted] | Reviewer Comment (2026-07-15): Received documentation of Insurance, Taxes, and HOA amount. Exception cleared. Seller Comment (2026-07-13): [redacted] Reviewer Comment (2026-07-09): Property located at [redacted] is owned by the borrower. Closing Disclosure indicates that taxes and insurance are not escrowed. Require tax and HOA verification to support and validate the [redacted] monthly expense reflected on the final 1003. Exception remains Seller Comment (2026-07-08): closing has been provide showing all fees |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225854403 | [Redacted] | [Redacted] | 36878151 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the HOA Verification, Tax Verification for property[redacted] | Reviewer Comment (2026-07-15): Received documentation of Insurance, Taxes, and HOA amount. Exception cleared. Seller Comment (2026-07-13): [redacted] - CD, Homeowners, Property taxes and HOA Seller Comment (2026-07-13): [redacted] Seller Comment (2026-07-13): [redacted]& [redacted] Thompson - CD, Homeowners, Property Taxes and HOA Reviewer Comment (2026-07-09): Property located at [redacted] is owned by the borrower. Closing Disclosure indicates that taxes and insurance are not escrowed. Require tax and HOA verification to support and validate the [redacted] monthly expense reflected on the final 1003. Exception remains Seller Comment (2026-07-08): closing has been provide showing all fees |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225854403 | [Redacted] | [Redacted] | 36878152 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of the HOA Verification, Insurance Verification, Tax Verification for property[redacted] | Reviewer Comment (2026-07-20): Cleared. Received updated 1003 Seller Comment (2026-07-16): updated 1008 Seller Comment (2026-07-16): UPDATED 1003 Reviewer Comment (2026-07-15): Documentation for remaining expense [redacted] is not provided. Exception remains. Seller Comment (2026-07-13): [redacted] & [redacted] - CD, Homeowners, Property taxes and HOA Seller Comment (2026-07-13): [redacted]& [redacted] Thompson - CD, Homeowners, Property Taxes and HOA Reviewer Comment (2026-07-09): Property located at [redacted] is owned by the borrower. Closing Disclosure indicates that taxes and insurance are not escrowed. Require tax and HOA verification to support and validate the [redacted] monthly expense reflected on the final 1003. Exception remains Seller Comment (2026-07-08): Kindly be advised that all mortgages should not be reporting on the borrower's personal credit report by [redacted]/[redacted] since they are vested in [redacted]. Because inaccurate reporting it on the LQI we added it to the REO and placed the docs on each home. If you still need the HOA dues docs we can pull them on each property for you. Thank you for your time and consideration. Seller Comment (2026-07-08): [redacted] [redacted] was recently purchased and closing CD was provided to show all PITI and HOA |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225854403 | [Redacted] | [Redacted] | 36878155 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of the HOA Verification, Insurance Verification, Tax Verification for property #[redacted] | Reviewer Comment (2026-07-20): Cleared. Received updated 1003 Seller Comment (2026-07-16): UPDATED 1003 Reviewer Comment (2026-07-15): Documentation for remaining expense [redacted] is not provided. Exception remains. Seller Comment (2026-07-13): [redacted] Reviewer Comment (2026-07-09): Property located at [redacted] is owned by the borrower. Closing Disclosure indicates that taxes and insurance are not escrowed. Require tax and HOA verification to support and validate the [redacted] monthly expense reflected on the final 1003. Exception remains Seller Comment (2026-07-08): Kindly be advised that all mortgages should not be reporting on the borrower's personal credit report by [redacted]/[redacted] since they are vested in [redacted]. Because inaccurate reporting it on the LQI we added it to the REO and placed the docs on each home. If you still need the HOA dues docs we can pull them on each property for you. Thank you for your time and consideration. Seller Comment (2026-07-08): [redacted] [redacted] was recently purchased and closing CD was provided to show all PITI and HOA |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225854403 | [Redacted] | [Redacted] | 36878157 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of the HOA Verification, Insurance Verification, Tax Verification for property #[redacted] | Reviewer Comment (2026-07-20): Cleared. Received updated 1003 Seller Comment (2026-07-16): updated 1008 Seller Comment (2026-07-16): UPDATED 1003 Reviewer Comment (2026-07-15): Documentation for remaining expense [redacted] is not provided. Exception remains. Seller Comment (2026-07-13): [redacted] Reviewer Comment (2026-07-09): Property located at [redacted] is owned by the borrower. Closing Disclosure indicates that taxes and insurance are not escrowed. Require tax and HOA verification to support and validate the [redacted] monthly expense reflected on the final 1003. Exception remains Seller Comment (2026-07-08): Property was recently purchased and we provided the closing cd showing all fees. Kindly advise |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225854403 | [Redacted] | [Redacted] | 36878158 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing a copy of the HOA Verification, Insurance Verification, Tax Verification for property #[redacted] | Reviewer Comment (2026-07-20): Cleared. Received updated 1003 Seller Comment (2026-07-16): updated 1008 Seller Comment (2026-07-16): updated 1003 Reviewer Comment (2026-07-15): Documentation for remaining expense [redacted] is not provided. Exception remains. Seller Comment (2026-07-13): [redacted] Reviewer Comment (2026-07-09): Property located at [redacted] is owned by the borrower. Closing Disclosure indicates that taxes and insurance are not escrowed. Require tax and HOA verification to support and validate the [redacted] monthly expense reflected on the final 1003. Exception remains Seller Comment (2026-07-08): Because property was recently purchased we provided the Closing CD Note and mortgage. Kindly advise |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225854403 | [Redacted] | [Redacted] | 36878159 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing a copy of the bank statement for month of [redacted] | Reviewer Comment (2026-07-09): [redacted] bank statement for month of [redacted] provided in file. Exception cleared Seller Comment (2026-07-08): [redacted] bank statement has attached. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225854403 | [Redacted] | [Redacted] | 36878161 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | The file is missing a copy of the bank statement for month[redacted] | Reviewer Comment (2026-07-09): [redacted] bank statement for month of [redacted] provided in file. Exception cleared Seller Comment (2026-07-08): Attached please find the bank statement for the full month of [redacted] [redacted] |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225854403 | [Redacted] | [Redacted] | 36880894 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The file is missing a copy of the bank statement for month [redacted] | Reviewer Comment (2026-07-09): [redacted] bank statement for month of [redacted] provided in file. Exception cleared Seller Comment (2026-07-08): See the attached |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225862028 | [Redacted] | [Redacted] | 36891416 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | VOE for co-borrower is dated[redacted], while note date is shown as[redacted] | Reviewer Comment (2026-09-02): Received post closing VVOE which meets lender guides and Safe Harbor. Cleared. Buyer Comment (2026-09-01): There IS a WVOE in the file. As indicated in my last comment the WVOE is in [redacted]. Reviewer Comment (2026-09-01): A complete VVOE is not located in the file. Buyer Comment (2026-08-31): The Closing VVOE is not required to have the start date (as this is on the full written VOE, [redacted]), The VVOE just needs to verify the borrower is still currently active which the email from the employer verifies. As previously stated, this loan is eligible for QM APOR which allows for post-closing VVOE, please refer to deal notes or management. Please update designation as indicated. Reviewer Comment (2026-08-27): Required Verbal Verification of Employment must be completed within [redacted] business days of the Note date and must verify the borrower's start date and active employment status. Exception remains. Buyer Comment (2026-08-26): Please see attached VVOE. Please ensure loan is designated as QM APOR as a post close VVOE is permitted with that designation. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225862028 | [Redacted] | [Redacted] | 36891431 | 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. | ATR risk due to missing income documentation: VOE for co-borrower is dated [redacted], while note date is shown as [redacted] | Reviewer Comment (2026-09-01): Per client, redesignate to SHQM Reviewer Comment (2026-09-01): A complete VVOE is not located in the file. Buyer Comment (2026-08-31): Please update designation to QM APOR Reviewer Comment (2026-08-27): Required Verbal Verification of Employment must be completed within [redacted] business days of the Note date and must verify the borrower's start date and active employment status. Exception remains. Buyer Comment (2026-08-26): Please see attached VVOE. Please ensure loan is designated as QM APOR as a post close VVOE is permitted with that designation. |
09/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||
| 225862028 | [Redacted] | [Redacted] | 36891432 | 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 risk due to missing income documentation: VOE for co-borrower is dated [redacted], while note date is shown as [redacted] | Reviewer Comment (2026-09-01): Per client, redesignate to SHQM Reviewer Comment (2026-09-01): A complete VVOE is not located in the file. Buyer Comment (2026-08-31): The Closing VVOE is not required to have the start date (as this is on the full written VOE, [redacted] ), The VVOE just needs to verify the borrower is still currently active which the email from the employer verifies. As previously stated, this loan is eligible for QM APOR which allows for post-closing VVOE, please refer to deal notes or management. Please update designation as indicated. Reviewer Comment (2026-08-27): Required Verbal Verification of Employment must be completed within [redacted] business days of the Note date and must verify the borrower's start date and active employment status. Exception remains. Buyer Comment (2026-08-26): Please see attached VVOE. Please ensure loan is designated as QM APOR as a post close VVOE is permitted with that designation. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225862028 | [Redacted] | [Redacted] | 36891433 | 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.) | ATR risk due to missing income documentation: VOE for co-borrower is dated[redacted] while note date is shown as[redacted] | Reviewer Comment (2026-09-01): Per client, redesignate to SHQM Reviewer Comment (2026-09-01): A complete VVOE is not located in the file. Buyer Comment (2026-08-31): The Closing VVOE is not required to have the start date (as this is on the full written VOE, [redacted] ), The VVOE just needs to verify the borrower is still currently active which the email from the employer verifies. As previously stated, this loan is eligible for QM APOR which allows for post-closing VVOE, please refer to deal notes or management. Please update designation as indicated. Reviewer Comment (2026-08-27): Required Verbal Verification of Employment must be completed within [redacted] business days of the Note date and must verify the borrower's start date and active employment status. Exception remains. Buyer Comment (2026-08-26): Please see attached VVOE. Please ensure loan is designated as QM APOR as a post close VVOE is permitted with that designation. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| 225862028 | [Redacted] | [Redacted] | 36891442 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VOE for co-borrower is dated [redacted] while note date is shown as [redacted] | Reviewer Comment (2026-09-02): Received required documentation. Condition cleared. Buyer Comment (2026-09-01): There IS a WVOE in the file. As indicated in my last comment the WVOE is in [redacted]. And the Employer's email states borrower is still working there is acceptable as a VVOE. Buyer Comment (2026-09-01): There IS a WVOE in the file. As indicated in my last comment the WVOE is in [redacted]. Reviewer Comment (2026-09-01): A complete VVOE is not located in the file. Buyer Comment (2026-08-31): The Closing VVOE is not required to have the start date (as this is on the full written VOE, [redacted] ), The VVOE just needs to verify the borrower is still currently active which the email from the employer verifies. As previously stated, this loan is eligible for QM APOR which allows for post-closing VVOE, please refer to deal notes or management. Please update designation as indicated. Reviewer Comment (2026-08-27): Required Verbal Verification of Employment must be completed within [redacted] business days of the Note date and must verify the borrower's start date and active employment status. Exception remains. Buyer Comment (2026-08-26): Please see attached VVOE. Please ensure loan is designated as QM APOR as a post close VVOE is permitted with that designation. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||
| 225862028 | [Redacted] | [Redacted] | 37425719 | 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 QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-09-02): Received post closing VVOE which meets lender guides and Safe Harbor. Cleared. Buyer Comment (2026-09-01): There IS a WVOE in the file. As indicated in my last comment the WVOE is in [redacted]. And the Employer's email states borrower is still working there is acceptable as a VVOE. Buyer Comment (2026-09-01): Clarity: WVOE is in [redacted]. |
09/02/2026 | No | 1 | A | A | A | A | A | MI | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225862028 | [Redacted] | [Redacted] | 37425720 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: 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.) | Reviewer Comment (2026-09-02): Received required documentation. Condition cleared. Buyer Comment (2026-09-01): There IS a WVOE in the file. As indicated in my last comment the WVOE is in [redacted]. And the Employer's email states borrower is still working there is acceptable as a VVOE. Buyer Comment (2026-09-01): Clarity: WVOE is in [redacted]. |
09/02/2026 | No | 1 | A | A | A | A | A | MI | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 225862028 | [Redacted] | [Redacted] | 37425721 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Per client, redesignate to SHQM | Reviewer Comment (2026-09-02): Received post closing VVOE which meets lender guides and Safe Harbor. Cleared. Buyer Comment (2026-09-01): There IS a WVOE in the file. As indicated in my last comment the WVOE is in [redacted]. And the Employer's email states borrower is still working there is acceptable as a VVOE. Buyer Comment (2026-09-01): Clarity: WVOE is in [redacted]. |
09/02/2026 | No | 1 | A | A | A | A | A | MI | Second Home | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 225862028 | [Redacted] | [Redacted] | 37439105 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Citing is only for informational purposes showing loan designation was restated. | Buyer Comment (2026-09-02): [redacted] to waive per CNR |
09/02/2026 | No | 2 | A | B | B | B | A | MI | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||||
| 225865281 | [Redacted] | [Redacted] | 36889996 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The corporate resolution provided is only signed by the guarantor. The documentation needs to be signed by both members. | Reviewer Comment (2026-07-10): Borrower has [redacted] ownership in Business Entity. Exception Cleared. Seller Comment (2026-07-09): [redacted]% Owner |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225871900 | [Redacted] | [Redacted] | 36887802 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement was not found for [redacted] | Reviewer Comment (2026-08-11): Received Closing Disclosure for the property "[redacted]". Exception cleared. Buyer Comment (2026-08-07): This should be unit [redacted] , here is the final CD and an updated 1003 Reviewer Comment (2026-07-31): Provided 1003 still reflecting same unit number and loans as per previous final 1003. Required revised 1003 with correct unit number and P&I. Exception remains. Buyer Comment (2026-07-29): please see attached rev 1003 and printout of borrower's loans. there is no separate loan for [redacted]. final 1003 had reo unit numbers incorrectly listed. final 1003 listed "New [redacted]loan-2 #[redacted]" as unit [redacted] when it should be unit [redacted] and "new [redacted]- 3 #[redacted]" as unit [redacted] when it should be unit [redacted]. print out of borrowers loans confirms the new [redacted]loans with the unit numbers Buyer Comment (2026-07-29): please see attached rev 1003 and printout of borrower's loans. there is no separate loan for [redacted]. final 1003 had reo unit numbers incorrectly listed. final 1003 listed "New [redacted]loan-[redacted] #[redacted]" as unit [redacted] when it should be unit [redacted] and "new [redacted]- 3 #[redacted]" as unit [redacted] when it should be unit [redacted]. print out of borrowers loans confirms the new [redacted]loans with the unit numbers Reviewer Comment (2026-07-21): As per the final 1003 document new [redacted] loan opened for the property # [redacted]. Required closing disclosure from the [redacted] new loan. Exception Remains. Buyer Comment (2026-07-17): Blanket loan statement |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225871900 | [Redacted] | [Redacted] | 36887806 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification and mortgage statement were not found in file. | Reviewer Comment (2026-08-11): Received Closing Disclosure for the property "[redacted]". Exception cleared. Buyer Comment (2026-08-07): This should be unit [redacted] , here is the final CD and an updated 1003 Reviewer Comment (2026-07-31): Provided 1003 still reflecting same unit number and loans as per previous final 1003. Required revised 1003 with correct unit number and P&I. Exception remains. Buyer Comment (2026-07-29): please see attached rev 1003, borrower loans printout and cd for reo [redacted]. final 1003 listed "New [redacted] loan-2 #[redacted]" as unit [redacted] when it should be unit [redacted] and "new [redacted] - 3 #[redacted]" as unit [redacted] when it should be unit [redacted]. print out of borrowers loans confirms the new [redacted] loans with the unit numbers Reviewer Comment (2026-07-21): As per the final 1003 document new [redacted] loan opened for the property # [redacted]. Required closing disclosure from the [redacted]new loan. Exception Remains. Buyer Comment (2026-07-17): Blanket mortgage statement and hazard |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225871900 | [Redacted] | [Redacted] | 36887807 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification was not found for[redacted] | Reviewer Comment (2026-08-14): Updated 1003 was received reflecting corrected expenses for [redacted]. The revised expenses were reviewed and verified against the tax statements and HOA documentation. Exception cleared. Buyer Comment (2026-08-13): The difference was the HOA dues as previously provided . Updated 1003 /1008 Reviewer Comment (2026-08-10): As per the 1003 the total expenses are [redacted]. As per the document tax amount is [redacted]. Required supporting documents for the amount expenses [redacted]. Exception remains Buyer Comment (2026-08-07): Tax and HOA Reviewer Comment (2026-07-31): As per final 1003, expenses [redacted] used to qualify. As per document present in file taxes [redacted]. Required supporting document for remaining expenses. Exception remains. Buyer Comment (2026-07-29): per property report doc [redacted], reo [redacted] #[redacted] shows no current mortgage and is owned free and cleared. hoi not required. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225871900 | [Redacted] | [Redacted] | 36887808 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification and tax verification were not found for [redacted] | Reviewer Comment (2026-08-11): Re-validated tax amount "[redacted]". Exception cleared. Reviewer Comment (2026-08-10): Received Tax Certificate and Insurance Verification have been verified and captured; but [redacted] remains as unverified expenses. Provide supporting documentation to validate the expense amount or a revised 1003. Exception remains. Buyer Comment (2026-08-07): Tax and insurance Reviewer Comment (2026-07-31): As per final 1003, [redacted] expenses used to qualify. Required supporting document to verify expenses. Exception remains. Buyer Comment (2026-07-29): per 1003, [redacted]Sandford is a vacant lot. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225872743 | [Redacted] | [Redacted] | 36901692 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement and Lease agreement are missing in the file. 1003 indicates a new loan on the property so if there is not yet a statement, closing docs such as a final CD would also suffice to confirm payment details. | Reviewer Comment (2026-08-26): Cleared. Received complete operating agreement in trailing docs. Buyer Comment (2026-08-26): please advise status Buyer Comment (2026-08-21): please see attached both pages for operating income statement for reo [redacted] Reviewer Comment (2026-08-17): Received operating agreement for property [redacted] does not have signed page. Please provide signed page for same. Also after considering rental income as [redacted]for property [redacted] DTI is [redacted] and provide 1008 reflects DTI of [redacted]. Please provide corrected 1008. Exception Remains. Buyer Comment (2026-08-13): As per final 1003 borrower is received rent from property [redacted] and as per received operating agreement borrower is receiving current rent of [redacted]. There is difference in rental income. Please provide proof with rental income of [redacted]. Exception Remains. Reviewer Comment (2026-08-04): As per final 1003 borrower is received rent from property [redacted] and as per received operating agreement borrower is receiving current rent of [redacted]. There is difference in rental income. Please provide proof with rental income of [redacted]. Exception Remains. Buyer Comment (2026-07-31): please see attached for reo [redacted] [redacted] rent amounts Reviewer Comment (2026-07-24): Received Closing Disclosure for REO property "[redacted]", information validated, however lease agreement still require clearing the exception, exception Remains. Buyer Comment (2026-07-22): please see attached [redacted] [redacted] CD |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225872743 | [Redacted] | [Redacted] | 37359608 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Reviewer Comment (2026-09-17): Bid Tape matches with the calculated DTI ratios. Exception Cleared Buyer Comment (2026-09-16): please clarify if your rental calculation includes the subject property rent [redacted] at [redacted] (per appraisal market rent) if not, please advise what your individual reo property calculations are. Reviewer Comment (2026-09-11): Discrepancy due to the difference in rental income calculation. Lender considered rental income [redacted] & the calculated rental income is [redacted], so the DTI exceeds the threshold of [redacted]. Exception remains. Buyer Comment (2026-09-09): Please note your hoi and tax amounts do not match my 1003 and the docs uploaded: [redacted] HOI is [redacted] per month, doc [redacted] taxes are [redacted] per month, doc [redacted] HOI is [redacted] per month, [redacted] Reviewer Comment (2026-08-26): The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted] however due diligence is [redacted]. An updated Bid tape for the DTI is required. |
09/17/2026 | No | 1 | A | A | A | A | A | OH | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||||
| 225873921 | [Redacted] | [Redacted] | 36902087 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[redacted]. Provide updated policy or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-07-10): Revalidated information confirms the dwelling coverage amount is sufficient to cover the loan amount. Exception cleared. Buyer Comment (2026-07-08): Dwelling coverage is sufficient. Document [redacted]shows coverage as [redacted]. Please rescind condition |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225873921 | [Redacted] | [Redacted] | 36904092 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval for rural property on DSCR program which is not allowed. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] The qualifying DSCR on the loan is greater than the guideline minimum. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC,Aggregator |
Reviewer Comment (2026-07-08): Client elects to waive with compensating factors. |
07/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225873921 | [Redacted] | [Redacted] | 36904106 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for [redacted]% LTV vs [redacted]% max on vacant property. Exception countered at [redacted]% | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least[redacted] The representative FICO score exceeds the guideline minimum by at least [redacted] The qualifying DSCR on the loan is greater than the guideline minimum. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC,Aggregator |
Reviewer Comment (2026-07-08): Client elects to waive with compensating factors. |
07/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225874358 | [Redacted] | [Redacted] | 36901596 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated qualifying residual income of[redacted]is less than guideline required residual income of [redacted] | Reviewer Comment (2026-08-11): Loan meets residual income requirement. Buyer Comment (2026-08-10): Rebuttal with RI worksheet Reviewer Comment (2026-07-31): Calculated investor qualifying disposable income of[redacted]is less than AUS required disposable income of [redacted]. Exception remains. Buyer Comment (2026-07-29): please see attached updated residual income worksheet with [redacted] P&I (previous worksheet calculated on [redacted]yr instead of [redacted]) Reviewer Comment (2026-07-23): Received Residual Income Calculator is reflecting P&I $[redacted]. Exception remains. Buyer Comment (2026-07-21): Income calc sheet for RI |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225874358 | [Redacted] | [Redacted] | 36901613 | 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 insufficient residual income. | Reviewer Comment (2026-08-11): Loan meets residual income requirement. |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225874358 | [Redacted] | [Redacted] | 36901614 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Residual Income: Investor and Non QM vs Guidelines | Ability to Repay (Dodd-Frank 2014): Investor's calculated residual income amount [redacted] and calculated Non QM residual amount [redacted] are both lower than the amount required per the guidelines [redacted] | Calculated qualifying residual income of $[redacted] is less than guideline required residual income of $[redacted] | Reviewer Comment (2026-08-11): Loan meets residual income requirement. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225876286 | [Redacted] | [Redacted] | 36901734 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-08-11): Updated title commitment report received covering loan amount. Buyer Comment (2026-08-07): Please see attached updated Title report. |
08/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Primary | Refinance - Cash-out - Home Improvement | C | B | B | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225876286 | [Redacted] | [Redacted] | 36901754 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 on initial Loan Estimate as $[redacted]but disclosed on final Closing Disclosure as $[redacted]. File does not contain a valid COC for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-08-06): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-05): Please see attached Cure Check, PCCD, Cover Letter and proof [redacted] delivered |
08/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | 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 | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225878835 | [Redacted] | [Redacted] | 36963435 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] month cash flow analysis for each business account used. | Reviewer Comment (2026-08-20): Cash Flow Analysis associated, Exception Cleared. Buyer Comment (2026-08-19): The cashflow work sheet is for the only business assets being used as assets. The cashflow analysis is correct as is . CPA letter not required when cashflow analysis is provided. The Fidelity account statements are already provided Reviewer Comment (2026-08-14): Provided cash flow analysis document does not have document, required cash flow analysis with the document date or required CPA letter. Exception Remains. Buyer Comment (2026-08-13): Cashflow Analysis of accounts used for assets |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225878835 | [Redacted] | [Redacted] | 36963521 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. | Reviewer Comment (2026-08-12): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-11): PCCD with cure , sent out today |
08/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 225879195 | [Redacted] | [Redacted] | 36934617 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | LOX for declining income is not dated. | Reviewer Comment (2026-09-01): Received LOX document with the document date. Exception Cleared. Buyer Comment (2026-08-31): Please see attached. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879195 | [Redacted] | [Redacted] | 36934620 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | LOX provided in file were not dated. | Reviewer Comment (2026-09-01): Received LOX document with the document date. Exception Cleared. Buyer Comment (2026-08-31): [redacted] Reviewer Comment (2026-08-28): exception remains LOX provided in file were not dated. please provided dated document Buyer Comment (2026-08-27): [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225879195 | [Redacted] | [Redacted] | 36934621 | 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. | LOX provided in file were not dated. | Reviewer Comment (2026-09-01): Received LOX document with the document date. Exception Cleared. Buyer Comment (2026-08-31): [redacted] Reviewer Comment (2026-08-28): exception remains LOX provided in file were not dated. please provided dated document Buyer Comment (2026-08-27): [redacted] |
09/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879195 | [Redacted] | [Redacted] | 36934622 | 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. | LOX provided in file were not dated. | Reviewer Comment (2026-09-01): Received LOX document with the document date. Exception Cleared. Buyer Comment (2026-08-31): [redacted] Reviewer Comment (2026-08-28): exception remains LOX provided in file were not dated. please provided dated document Buyer Comment (2026-08-27): [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879195 | [Redacted] | [Redacted] | 36934624 | 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.) | LOX provided in file were not dated. | Reviewer Comment (2026-09-01): Received LOX document with the document date. Exception Cleared. Buyer Comment (2026-08-31): [redacted] Reviewer Comment (2026-08-28): exception remains LOX provided in file were not dated. please provided dated document Buyer Comment (2026-08-27): [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879216 | [Redacted] | [Redacted] | 36920140 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Updated as per the sourced document. | Reviewer Comment (2026-08-12): Corrected DTI in the updated 1008 received, exception cleared Reviewer Comment (2026-08-03): The Bid Tape field value still needs to be corrected for the DTI ratio, as it is currently showing a DTI ratio of [redacted]. The exception remains. Buyer Comment (2026-07-31): Please see updated 1008 |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225879216 | [Redacted] | [Redacted] | 36920152 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification was not provided. | Reviewer Comment (2026-08-03): Data entry verified and corrected. Exception cleared. Buyer Comment (2026-07-31): The client does not own this property. As it states, the client has no primary housing expense. Please clear condition. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879216 | [Redacted] | [Redacted] | 36920158 | 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 exception due to QM points and fees. | Reviewer Comment (2026-08-12): Corrected DTI in the updated 1008 received, exception cleared Buyer Comment (2026-08-10): Please review data compare. We now match. Please clear condition. Reviewer Comment (2026-08-03): The Bid Tape field value still needs to be corrected for the DTI ratio, as it is currently showing a DTI ratio of [redacted]. The exception remains. Buyer Comment (2026-07-31): [redacted] |
08/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879216 | [Redacted] | [Redacted] | 36920159 | 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 exception due to QM points and fees. | Reviewer Comment (2026-08-12): Corrected DTI in the updated 1008 received, exception cleared Buyer Comment (2026-08-10): Please review data compare. We now match. Please clear condition. Reviewer Comment (2026-08-03): The Bid Tape field value still needs to be corrected for the DTI ratio, as it is currently showing a DTI ratio of [redacted]. The exception remains. Buyer Comment (2026-07-31): [redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879228 | [Redacted] | [Redacted] | 36920681 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 due to a decrease in the recording fee. No valid COC was provided, and no evidence of cure was found in the file. | Reviewer Comment (2026-08-06): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-06): tracking Reviewer Comment (2026-08-05): [redacted] received Post CD,LOX, Copy of refund check and proof of mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-08-04): PCCD, LOX, Label & Check Reviewer Comment (2026-07-17): [redacted] received rebuttal comment to include CPL and Lender's Title insurance in [redacted] tolerance category however, [redacted] fees includes only fees that are paid to "[redacted]" which is selected from SSPL and recording fee. All other title fees that are included in section C are paid to borrower chosen provider and will not tested under [redacted] tolerance. A valid COC to rebaseline the increased fee or cure would be required. Buyer Comment (2026-07-15): Please re-balance your baseline to include the CPL and Lenders Title insurance in the baseline |
08/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | 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 | |||||||||
| 225879229 | [Redacted] | [Redacted] | 36920442 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Partnership Agreement and Proof of ownership % documents were not found in file. | Reviewer Comment (2026-07-30): Document Provided Buyer Comment (2026-07-28): trying upload again. Looks like[redacted] different documents are stuck and not uploading. Please see exception and employer letter on pay structure and income calculation approved on exception Reviewer Comment (2026-07-27): Lender exception was not located in file. Please provide. also Employer letter doesn't state ownership % please provide Partnership agreement. per letter borrower become partner end of [redacted] so agreement should be available. Buyer Comment (2026-07-23): Borrower just became partner of a law firm. Please see exception and employer letter on pay structure and income calculation approved on exception |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879229 | [Redacted] | [Redacted] | 36920450 | 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.) | File is missing Partnership Agreement and Proof of ownership % documents as the borrower is admitted as a partner of the partnership. | Reviewer Comment (2026-07-30): Document provided [redacted] Buyer Comment (2026-07-28): tried reuploading again. looks like docs have been stuck in your system since [redacted]. Please reach out to your support team if the docs are still stuck when you review this. Reviewer Comment (2026-07-27): Lender exception was not located in file. Please provide. also Employer letter doesn't state ownership % please provide Partnership agreement. per letter borrower become partner end of [redacted]so agreement should be available. Buyer Comment (2026-07-23): Borrower just became partner of a law firm Please see exception and employer letter on pay structure and income calculation approved on exception |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879229 | [Redacted] | [Redacted] | 36920456 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points in Loan Estimate is $[redacted]and Closing Disclosure is $[redacted]. A valid COC was found in the file. | Reviewer Comment (2026-07-30): [redacted] received a valid COC. Buyer Comment (2026-07-28): Please see attached COC with Screen prints from Exceptions showing increase in points do to exception approval. Please look at current Exception dated [redacted] that show an LLPA of [redacted] and previous exception [redacted] that shows LLPA is [redacted]. If these docs don't come through reach out to your support team as the documents have been re-uploaded but others have been stuck since [redacted] |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879229 | [Redacted] | [Redacted] | 36920457 | 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. | File is missing Partnership Agreement and Proof of ownership % documents as the borrower is admitted as a partner of the partnership. | Reviewer Comment (2026-07-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-28): This has been uploaded again. if it's still not coming through, please reach out to your support team as the documents have been stuck since [redacted]. Reviewer Comment (2026-07-27): Lender exception was not located in file. Please provide. also Employer letter doesn't state ownership % please provide Partnership agreement. per letter borrower become partner end of [redacted]so agreement should be available. Buyer Comment (2026-07-23): can you clarify if this is a waterall condition. It does appear that this should be Non-QM |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225879229 | [Redacted] | [Redacted] | 36920458 | 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. | File is missing Partnership Agreement and Proof of ownership % documents as the borrower is admitted as a partner of the partnership. | Reviewer Comment (2026-07-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-28): This has been uploaded again. if it's still not coming through, please reach out to your support team as the documents have been stuck since [redacted]. Reviewer Comment (2026-07-27): Lender exception was not located in file. Please provide. also Employer letter doesn't state ownership % please provide Partnership agreement. per letter borrower become partner end of [redacted]so agreement should be available. Buyer Comment (2026-07-23): Borrower just became partner of a law firm Please see exception and employer letter on pay structure and income calculation approved on exception |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225879229 | [Redacted] | [Redacted] | 36940115 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | There is documentation in the indicating a lender exception was granted, however the exception form, approval and compensating factors was not located | 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. 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 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. |
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. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted] Borrower's Own Funds Amount: [redacted] DTI: [redacted] Guideline Maximum DTI: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-28): This has been uploaded again. if it's still not coming through, please reach out to your support team as the documents have been stuck since [redacted]. Reviewer Comment (2026-07-27): Lender exception not provided Buyer Comment (2026-07-23): Please see attached Exception |
07/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225879229 | [Redacted] | [Redacted] | 36940123 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Pay History not provided | Per the VOR provided, the landlord is a private entity. Per lender guides, recent [redacted] months cancelled checks is required. | 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. 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 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. |
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. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted] Borrower's Own Funds Amount: [redacted] DTI: [redacted] Guideline Maximum DTI: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-30): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-28): This has been uploaded again. if it's still not coming through, please reach out to your support team as the documents have been stuck since [redacted]. Reviewer Comment (2026-07-27): Lender exception not provided Buyer Comment (2026-07-23): Please see attached Exception |
07/30/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225879296 | [Redacted] | [Redacted] | 36922051 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Transfer tax fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At Closing |
07/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225879296 | [Redacted] | [Redacted] | 36922059 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per 1008, an exception was allowed for [redacted]% gift funds for the down payment and 4 months of own funds for reserves. However, evidence of approval and disposition document has not been provided in file. Received lender exception approval for fico of [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. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted]. 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. DTI: [redacted] Guideline Maximum DTI: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-07): Client elects to waive with compensating factors. Buyer Comment (2026-08-05): Why is the [redacted]in gift funds at [redacted] usability? Buyer Comment (2026-08-05): Will full use access to the business funds, there is sufficient cash for reserves.There is [redacted] in the business [redacted] account and we need [redacted] in reserves. Reviewer Comment (2026-07-23): Lender exception approval provided to waive [redacted] months reserve requirement and waive the B1 own funds [redacted] contribution when using gift funds. The lender exception requires [redacted] months reserves however only [redacted] months has been verified. Buyer Comment (2026-07-21): Exception |
08/07/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 225879296 | [Redacted] | [Redacted] | 36938956 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] [redacted] Loan: Mortgage does not contain a legend stating that the [redacted] loan is subject to Section [redacted] of the Banking Law. | [redacted] [redacted] counseling disclosure was not found in file. | Buyer Comment (2026-08-05): Waived |
08/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225879296 | [Redacted] | [Redacted] | 36938957 | Compliance | Compliance | State Compliance | State HPML | [redacted] [redacted] Home Loan Threshold Fixed Non-Compliant | [redacted] [redacted] Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted]is in excess of allowable threshold of [redacted]. Non-Compliant [redacted] Loan. | Buyer Comment (2026-08-07): Waived Reviewer Comment (2026-08-07): This is an EV2 exception. Non compliant due to missing legend on Security instrument. Citing may be waived. Buyer Comment (2026-08-06): Is this a waterfall of the subprime verbiage condition? |
08/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225879296 | [Redacted] | [Redacted] | 36959778 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-07-23): Supporting documentation provided to use business account funds. Buyer Comment (2026-07-21): Exception allows the borrower use the funds from their business account for reserves. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225879296 | [Redacted] | [Redacted] | 36962434 | 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 insufficient reserves. | Reviewer Comment (2026-08-07): Gift funds source documents were present in the file which meets the reserve requirement. Exception Cleared. Buyer Comment (2026-08-06): waterfall, please clear |
08/07/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225879296 | [Redacted] | [Redacted] | 36962435 | 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 insufficient reserves. | Reviewer Comment (2026-08-07): Gift funds source documents were present in the file which meets the reserve requirement. Exception Cleared. Buyer Comment (2026-08-06): waterfall, please clear |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225879296 | [Redacted] | [Redacted] | 37180327 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval to waive [redacted] months reserve requirement and waive the [redacted]! own funds of [redacted] when using gift funds. | 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 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. DTI: [redacted] Guideline Maximum DTI: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-07): Client elects to waive with compensating factors. |
08/07/2026 | Yes | 2 | B | B | B | B | B | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 225879302 | [Redacted] | [Redacted] | 36922302 | 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] ([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three business days prior to closing. | Reviewer Comment (2026-07-14): [redacted] received initial CD. Seller Comment (2026-07-13): Initial CD received |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225879302 | [Redacted] | [Redacted] | 36922303 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 was last disclosed as $[redacted] on LE but disclosed as [redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-14): [redacted] received a valid COC. Seller Comment (2026-07-13): COC LE for Rate Lock received. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | 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 | |||||||||
| 225879306 | [Redacted] | [Redacted] | 36920737 | 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 [redacted] 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. | Reviewer Comment (2026-07-22): [redacted] received e-consent. Seller Comment (2026-07-21): E-CONSENT |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225882895 | [Redacted] | [Redacted] | 36925610 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) document is missing. | 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] Seasoned Borrower/Investor whose experience exceeds [redacted] completed projects. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-17): Client elects to waive with compensating factors. Reviewer Comment (2026-07-17): Lender exception approval provided for EIN requirement. This is a single member [redacted] owner LLC. In lieu of the EIN use the SSN from the guarantor. Buyer Comment (2026-07-15): Exception |
07/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225883479 | [Redacted] | [Redacted] | 36934629 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment is missing in file. | Reviewer Comment (2026-08-07): Verification of employment received and verified. Exception cleared. Buyer Comment (2026-08-06): Please see attached. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225883479 | [Redacted] | [Redacted] | 36934630 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verification of employment is missing in file. | Reviewer Comment (2026-08-07): Verification of employment received and verified. Exception cleared. Buyer Comment (2026-08-06): Waterfall |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225883479 | [Redacted] | [Redacted] | 36934646 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception was approved at origination for non-warrantable due to [redacted]characteristics. Compensating factors are residual income [redacted] or more, reduction in housing/mortgage payment, FICO [redacted] points or more above requirement, and long-term employment (>[redacted] years). | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [redacted] Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted]points. |
Borrower's Own Funds Percent: [redacted] Borrower's Own Funds Amount: [redacted] Actual Reserves: [redacted] Required Reserves: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-13): Client elects to downgrade and waive. |
07/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225883479 | [Redacted] | [Redacted] | 36965153 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification of employment is missing in file for Borrower. | Reviewer Comment (2026-08-07): Verification of employment received and verified. Exception cleared. Buyer Comment (2026-08-06): Waterfall |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 225884280 | [Redacted] | [Redacted] | 36934843 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Bank statements are insufficient to cover cash from borrower requirement [redacted] | Reviewer Comment (2026-08-17): Considered proceed to purchase [redacted]. Exception Cleared. Buyer Comment (2026-08-13): Provided closing statement is already available in file. Documented Qualifying Assets for Closing of[redacted] is less than Cash from Borrower [redacted]. Provide additional bank statement to cover insufficient funds. Exception remains Reviewer Comment (2026-08-07): Provided closing statement is already available in file. Documented Qualifying Assets for Closing of[redacted] is less than Cash from Borrower [redacted]. Provide additional bank statement to cover insufficient funds. Exception remains Buyer Comment (2026-08-06): Please see attached. Reviewer Comment (2026-07-24): Provided closing statement was already available in file and same has been considered in assets still we have insufficient funds to cover cash from borrower. Exception remains. Buyer Comment (2026-07-22): Please see attached. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225884280 | [Redacted] | [Redacted] | 36934844 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Bank statements are insufficient to cover reserve requirement. | Reviewer Comment (2026-08-17): Considered proceed to purchase [redacted]. Exception Cleared. Buyer Comment (2026-08-13): Provided closing statement is already available in file. Documented Qualifying Assets for Closing of[redacted] is less than Cash from Borrower [redacted]. Provide additional bank statement to cover insufficient funds. Exception remains Reviewer Comment (2026-08-07): Provided closing statement is already available in file. Documented Qualifying Assets for Closing of[redacted] is less than Cash from Borrower [redacted]. Provide additional bank statement to cover insufficient funds. Exception remains Buyer Comment (2026-08-06): Waterfall Reviewer Comment (2026-07-24): Provided closing statement was already available in file and same has been considered in assets still we have insufficient funds to cover reserve requirement. Exception remains. Buyer Comment (2026-07-22): Waterfall |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225884280 | [Redacted] | [Redacted] | 37027589 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy : FICO | Reviewer Comment (2026-07-22): Credit scores revalidated from the most recent credit report. Exception cleared. Buyer Comment (2026-07-20): This is a DSCR loan and [redacted] is using the highest middle score ([redacted] ) from the most recent CBR in file ([redacted] ) while AMC used the middle score from the initial report ([redacted] ). Can you please review? Thank you! |
07/22/2026 | No | 1 | A | A | A | A | A | CO | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 225884455 | [Redacted] | [Redacted] | 36935477 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid changed circumstances provided for increase in Discount points from [redacted] cure provided is less than the total cure requirement of [redacted] | Reviewer Comment (2026-07-30): [redacted]received COC dated[redacted]. Buyer Comment (2026-07-28): : Increase in points was due to a program change. Please see attached Screen shots to verify program change and COC. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | 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 | |||||||||
| 225884455 | [Redacted] | [Redacted] | 36935478 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid changed circumstances provided for increase in Credit report fee from [redacted] cure provided is less than the total cure requirement of [redacted] | Reviewer Comment (2026-07-13): Cured at closing or within [redacted] days of consummation prior to TPR review |
07/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | 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 | |||||||||
| 225884455 | [Redacted] | [Redacted] | 36965160 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Judgement Report Post Closing. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid change of circumstance was found in the file. Lender cure was not provided on final Closing Disclosure. | Reviewer Comment (2026-08-07): [redacted] received Post CD and LOX. Buyer Comment (2026-08-06): Per the closer, the judgement was listed under sections B then C since it was a title requirement to clear the judgement. Please see attached updated PCCD and cover letter moving fee to section H Reviewer Comment (2026-07-30): [redacted] received rebuttal comment that the fee is related to payoff of judgement but the fee was disclosed under section B on CD dated [redacted] then moved to section C on final CD without any valid COC for adding the fee. If the fee is borrower required and lender/Title is not required the fee it should have been disclosed under section H of the CD or under other payoff section. Please provide more information on fee requirement of the fee or cure would be required. Buyer Comment (2026-07-28): The Judgement report is a payoff of a judgement (see [redacted] ). Title got a current payoff for this debt and the payoff came int at [redacted]. This is a payoff of a judgement not a fee that should be tested for TRID. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | 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 | |||||||||
| 225884455 | [Redacted] | [Redacted] | 37179101 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225884456 | [Redacted] | [Redacted] | 36936313 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] [redacted] Loan: Mortgage does not contain a legend stating that the [redacted] loan is subject to Section [redacted] -m of the Banking Law. | Security instrument does not contain sub-prime legend. | Buyer Comment (2026-07-16): This loan is not a subprime loan. Waiving condition. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225884456 | [Redacted] | [Redacted] | 36936314 | Compliance | Compliance | State Compliance | State HPML | [redacted] [redacted] Home Loan Threshold Fixed Non-Compliant | [redacted] [redacted] Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [redacted] . Non-Compliant [redacted] Loan. | Security instrument does not contain sub-prime legend. | Buyer Comment (2026-07-16): This loan is not a subprime loan. Waiving condition. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225884456 | [Redacted] | [Redacted] | 36936315 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of [redacted] exceeds tolerance of[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Survey Fee of [redacted] was added without any valid changed circumstances, no cure was provided. | Reviewer Comment (2026-08-06): [redacted] received Post CD and LOX. Buyer Comment (2026-08-05): Please see attached. Reviewer Comment (2026-08-05): [redacted] received rebuttal, however LOX states verification fee and engineering fee uploaded to sec H. Please provide LOX stating survey fee moved to sec H. Buyer Comment (2026-08-04): The LOX states that the survey fee was moved to Section H. What other information is needed? Reviewer Comment (2026-07-22): [redacted] Received Corrected PCCD and loe; however, LOE does not specify the changes made to survey fee movement. Provide updated LOE. Buyer Comment (2026-07-21): This is a borrower elected fee as stated, please clear condition. Reviewer Comment (2026-07-20): [redacted] received PCCD and LOE, however LOE provided states engineering fee and verification fee moved to sec H whereas survey fee moved to sec H. Please provide corrected LOE and also, we are unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Please provide attestation and corrected LOE to re-evaluate the exception. Buyer Comment (2026-07-16): Please see attached. This is a borrower elected fee. Please clear condition. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | |||||||||
| 225884484 | [Redacted] | [Redacted] | 36934885 | 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 (2026-07-27): Received final title. Cleared. Buyer Comment (2026-07-23): title policy |
07/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 225884484 | [Redacted] | [Redacted] | 36934886 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | File is missing a copy of the final title policy. | Reviewer Comment (2026-07-27): Received final title. Cleared. |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225884484 | [Redacted] | [Redacted] | 36934888 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification and Insurance Verification are missing. | Reviewer Comment (2026-09-24): Received revised 1008 with tax and insurance verification. Exception cleared. Buyer Comment (2026-09-23): revised 1008 with current taxes and flood, you state you already have the hoi and hoa Reviewer Comment (2026-09-15): Received HOA, Tax certificate and HOI document. required supporting documents for the [redacted] missing in loan file. Exception remains. Buyer Comment (2026-09-11): HOI Reviewer Comment (2026-09-03): Hazard insurance document is missing for the property #[redacted]. Exception Remains. Buyer Comment (2026-09-02): No HOA on [redacted] |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225884484 | [Redacted] | [Redacted] | 36934896 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient lender credit provided. | Reviewer Comment (2026-07-13): Cured at closing or within [redacted] days of consummation prior to TPR review |
07/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | |||||||||
| 225884484 | [Redacted] | [Redacted] | 37038792 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Field Review 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 | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225884490 | [Redacted] | [Redacted] | 36936501 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification was not found for property #[redacted] | Reviewer Comment (2026-07-28): Received HOA Verification. Exception cleared. Buyer Comment (2026-07-24): bwr email confirming hoa dues on[redacted] |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225884490 | [Redacted] | [Redacted] | 36970471 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid change of circumstance found in file for the increased fee and no evidence of a tolerance cure. | Reviewer Comment (2026-07-27): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-07-24): revised rebuttal with updated snip upld Reviewer Comment (2026-07-23): [redacted] received system snip. However, we are unable to validate whether the snip provided is for the subject property. Kindly provide complete copy of snip in order to clear the exception. Buyer Comment (2026-07-22): rebuttal upld |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | |||||||||
| 225884490 | [Redacted] | [Redacted] | 36970472 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted] Guaranty Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No valid change of circumstance found in file for the added fee and no evidence of a tolerance cure. | Reviewer Comment (2026-08-04): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-04): pccd docs upld Reviewer Comment (2026-07-30): However, [redacted] also requires an additional cure of [redacted], as the fee was charged to the borrower at closing. Upon review of the Final CD, the [Redacted] Guaranty Fee was disclosed twice: [redacted] without the title prefix and [redacted] with the title prefix. Therefore, an additional cure of [redacted] is required. Please provide a corrected cure package, including a revised CD, borrower notification, proof of delivery, and evidence of the additional [redacted] refund issued to the borrower. Buyer Comment (2026-07-29): pccd docs upld Reviewer Comment (2026-07-23): [redacted] received lender rebuttal on borrower selected. However, the Title-Title Policy [redacted]Fee of [redacted] Buyer Comment (2026-07-22): please cancel, we disclosed the [redacted] Guaranty twice in the amount of [redacted] |
08/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 225884800 | [Redacted] | [Redacted] | 36937040 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Account statements are missing for Business "[redacted] " Bank -[redacted] , [redacted] for the month of [redacted] | Reviewer Comment (2026-07-30): Received September [redacted]bank statement for account #[redacted]. Exception cleared. Buyer Comment (2026-07-28): september statement upld |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225884800 | [Redacted] | [Redacted] | 36937044 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Account statements are missing for Business "[redacted] " Bank -[redacted] , [redacted] for the month of [redacted] | Reviewer Comment (2026-07-30): Received September [redacted]bank statement for account #[redacted]. Exception cleared. Buyer Comment (2026-07-28): [redacted]statement upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225884800 | [Redacted] | [Redacted] | 36937080 | 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 missing income documentation. | Reviewer Comment (2026-07-30): Received September [redacted]bank statement for account #[redacted]. Exception cleared. Buyer Comment (2026-07-28): [redacted]statement upld to trl docs |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225884800 | [Redacted] | [Redacted] | 36937081 | 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. | Account statements are missing for Business "[redacted] " Bank -[redacted] , [redacted] for the month of [redacted] | Reviewer Comment (2026-07-30): Received September [redacted]bank statement for account #[redacted]. Exception cleared. Buyer Comment (2026-07-28): [redacted]statement upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225884800 | [Redacted] | [Redacted] | 36970329 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for Max [redacted] LTV noted on 1008, however the Lender Exception document was not found in the file. | 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 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. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]Bank Statement Disposable Income:[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted] Borrower's Own Funds Amount: [redacted] DTI: [redacted] Guideline Maximum DTI: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-24): Lender Exception with Compensating Factors provided. Buyer Comment (2026-07-22): exception aprvl upld |
07/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225884800 | [Redacted] | [Redacted] | 36970704 | 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.) | Account statements are missing for Business "[redacted] " Bank -[redacted] , [redacted] for the month of [redacted] | Reviewer Comment (2026-07-30): Received September [redacted]bank statement for account #[redacted]. Exception cleared. Buyer Comment (2026-07-28): [redacted]statement upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225884800 | [Redacted] | [Redacted] | 36970707 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Account statements are missing for Business "[redacted] " Bank -[redacted] , [redacted] for the month of [redacted] | Reviewer Comment (2026-07-30): Received September [redacted]bank statement for account #[redacted]. Exception cleared. Buyer Comment (2026-07-28): [redacted]statement upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225886088 | [Redacted] | [Redacted] | 36930602 | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. | Evidence of Taxpayer Consent is Missing, Please provide recent document | Reviewer Comment (2026-07-17): Initial package had final 1003. Exception cleared. Buyer Comment (2026-07-16): Please see attached. |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225886088 | [Redacted] | [Redacted] | 36930605 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Coverage is insufficient by [redacted]. File did not contain a Replacement Cost Estimate for further analysis. | Reviewer Comment (2026-08-07): Received Replacement Cost Estimate, Exception Cleared Buyer Comment (2026-08-06): Please see attached. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225886088 | [Redacted] | [Redacted] | 36930863 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [redacted] on the Loan Estimate, but was disclosed as [redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-07-14): Cured at closing or within [redacted]days of consummation prior to TPR review |
07/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | 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 | |||||||||
| 225886088 | [Redacted] | [Redacted] | 36930865 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as [redacted] on the Loan Estimate, but was disclosed as [redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. | Reviewer Comment (2026-07-14): Cured at closing or within [redacted]days of consummation prior to TPR review |
07/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | 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 | |||||||||
| 225886088 | [Redacted] | [Redacted] | 37008651 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225886088 | [Redacted] | [Redacted] | 37008652 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At Closing |
07/17/2026 | No | 1 | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225886804 | [Redacted] | [Redacted] | 36937245 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The file is missing a valid Change of Circumstance for [redacted]Percent Fee Tolerance was exceeded for Credit Report Fee. Fee amount of [redacted] exceeds tolerance of [redacted] over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-03): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-07-31): The credit for the overcharge of the credit report fee has already been given to the borrower at closing. Please clear condition. |
08/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NM | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225886804 | [Redacted] | [Redacted] | 36937246 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The file is missing a valid Change of Circumstance for [redacted]Percent Fee Tolerance was exceeded for Survey Fee. Fee amount of [redacted] exceeds tolerance of [redacted]. [redacted] over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-10): [redacted] Received Corrected PCCD and LOE moving fee to section H. Buyer Comment (2026-08-07): Please see attached attestation. Reviewer Comment (2026-08-07): [redacted] received PCCD moving the fee to sec H, however we also require attestation confirming whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-08-06): Please see attached. Reviewer Comment (2026-08-03): [redacted] Received Corrected PCCD and LOE; however, Survey fee is still in section C. Also, [redacted] is unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-07-31): Please see attached. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225886804 | [Redacted] | [Redacted] | 37188974 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | NM | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225895183 | [Redacted] | [Redacted] | 36940850 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing mortgage statement and Insurance, tax Verification pertaining to the property located at [redacted] | Reviewer Comment (2026-08-10): Received document of REO property "[redacted]", information validated. Exception Cleared. Buyer Comment (2026-08-06): Property docs Reviewer Comment (2026-07-24): Require HOA Verification, Insurance Verification, Statement, Tax Verification "[redacted]" as no revised document provided in file. Exception Remains. Buyer Comment (2026-07-23): CD and HOA dues |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 225895183 | [Redacted] | [Redacted] | 36973865 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval for two parent entities. Manufactured Home with only [redacted] on Manufactured investment property purchased . to vest in a [redacted]that has [redacted] different parent entities | 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 guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [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. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted] Full Doc Disposable Income: [redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: [redacted] Required Reserves: [redacted] Borrower's Own Funds Percent: [redacted] Borrower's Own Funds Amount: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-10): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-06): Exception Reviewer Comment (2026-07-24): Exception Document not provided in file. Exception Remains. Buyer Comment (2026-07-23): Exception |
08/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225895189 | [Redacted] | [Redacted] | 36947444 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Due diligence review DTI is [redacted] however the bid tape reflects [redacted]. An updated Bid tape for the DTI is required. | Reviewer Comment (2026-08-17): Bid tape data corrected. Also received Credit supplement received stating [redacted] student loan have been paid off. Exception Cleared. Buyer Comment (2026-08-13): Please see the credit supplement on [redacted]allowing the removal of the [redacted] student loan payments since they are paid off. Please also see the updated urla and 1008 with corrected DTI |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225895189 | [Redacted] | [Redacted] | 36947452 | 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 diligence review DTI is [redacted] however the bid tape reflects [redacted] | Reviewer Comment (2026-08-17): Bid tape data corrected. Also received Credit supplement received stating [redacted] student loan have been paid off. Exception Cleared. Buyer Comment (2026-08-14): bid tape corrected |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225895189 | [Redacted] | [Redacted] | 36947453 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted] | Reviewer Comment (2026-08-17): Bid tape data corrected. Exception Cleared. Buyer Comment (2026-08-14): bid tape corrected |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225895189 | [Redacted] | [Redacted] | 36947457 | 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 [redacted] 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. | Loan Estimate not delivered to borrower(s) within three[redacted]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. | Reviewer Comment (2026-07-24): [redacted]Received earliest E-Consent dated [redacted]. Buyer Comment (2026-07-23): econsent |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225895189 | [Redacted] | [Redacted] | 36947458 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted]. over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee. Fee amount of [redacted] exceeds tolerance of [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-06): [redacted] received a valid COC. Buyer Comment (2026-08-05): The Complexity is stated in the screenshot above the COC "Acreage...large garage/workshop" Reviewer Comment (2026-07-24): [redacted] received COC dated stating "complexity" however we required the reason as to what caused the property to be complex. Kindly provide detail reason for complexity in order to clear the exception Buyer Comment (2026-07-23): Appraisal fee COCs |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | 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 | |||||||||
| 225895189 | [Redacted] | [Redacted] | 36947459 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee. Fee amount of [redacted] exceeds tolerance of[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-24): [redacted]Received Valid coc dated [redacted]. Buyer Comment (2026-07-23): AVM COC |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | 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 | |||||||||
| 225895189 | [Redacted] | [Redacted] | 36975008 | 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. | Due diligence review DTI is[redacted] however the bid tape reflects[redacted] | Reviewer Comment (2026-08-17): Bid tape data corrected. Also received Credit supplement received stating [redacted] student loan have been paid off. Exception Cleared. Buyer Comment (2026-08-14): bid tape corrected |
08/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225895204 | [Redacted] | [Redacted] | 36944213 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Require recent [redacted]months bank statements. | Reviewer Comment (2026-07-24): Received previous month bank statement to satisfy requirement of [redacted] months history. Exception cleared. Seller Comment (2026-07-22): statements |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225895555 | [Redacted] | [Redacted] | 36943957 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID:[redacted] | Secondary Valuation not required. | Reviewer Comment (2026-08-12): Secondary Valuation received and verified. Exception cleared. Buyer Comment (2026-08-10): Please see attached |
08/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Purchase | D | B | A | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| 225895555 | [Redacted] | [Redacted] | 36944042 | 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 [redacted] ([redacted]) business days prior to consummation. | The Corrected Closing Disclosure issued on [redacted] resulted in a change to the APR; however, the borrower did not receive the revised Closing Disclosure at least three (3) business days prior to consummation. | Reviewer Comment (2026-08-07): [redacted]received updated CD dated [redacted] and APR within that tolerance requirement Buyer Comment (2026-08-06): Please see attached COC from [redacted] for testing. Reviewer Comment (2026-08-05): [redacted] did not receive a [redacted] CD to test. Please provide for updated testing Buyer Comment (2026-08-04): Please review the final closing CD. The change on the [redacted] CD vs the [redacted] CD of the APR is [redacted] which is an allowable change. Please clear condition. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | D | B | A | A | C | B | D | A | Non QM | Non QM | No | |||||||||
| 225895555 | [Redacted] | [Redacted] | 36944044 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of[redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The [redacted]% cumulative fee tolerance was exceeded. The total amount charged was [redacted], which exceeds the allowable tolerance limit of [redacted]. No cure, or an insufficient cure, was provided to reimburse the borrower for the excess amount. | Reviewer Comment (2026-08-05): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-08-04): Please see attached. This credit has already been given to the client. Please clear condition. |
08/05/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225895555 | [Redacted] | [Redacted] | 36944045 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-07): [redacted]received updated CD dated [redacted] and valid changed circumstance. Buyer Comment (2026-08-06): Please see [redacted] CD for testing Reviewer Comment (2026-08-05): [redacted] received rebuttal and COC dated [redacted], however there is no CD available in file within [redacted] days of[redacted]. Please provide missing CD to re-evaluate the exception. Buyer Comment (2026-08-04): The additional extension fee of[redacted] was disclosed properly on [redacted]to the borrower through COC. This is a valid change. Please clear condition. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225895555 | [Redacted] | [Redacted] | 36944046 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-11): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-10): Please see attached. Reviewer Comment (2026-08-05): [redacted]received rebuttal, however we require valid COC document for the same. Also, SSR document with CU score [redacted] available in file is dated [redacted] and fee added on [redacted] which is not within [redacted] days of change. Please provide valid COC with sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-04): The appraisal review was required due to the CU score of [redacted]. Please clear condition. |
08/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 225900681 | [Redacted] | [Redacted] | 36947620 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary ([redacted]) / MCAW not provided | Loan Underwriting and Transmittal Summary (1008) / MCAW was not found in file. | Reviewer Comment (2026-07-28): Received 1008. Exception cleared. Buyer Comment (2026-07-24): 1008 |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225900681 | [Redacted] | [Redacted] | 36947630 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for HOA Transfer Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]tolerance was exceeded by[redacted] due to HOA Transfer Fee. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-13): [redacted] received PCCD and LOE Buyer Comment (2026-08-12): PCCD submitted Reviewer Comment (2026-07-28): [redacted] received comments. However,we would require Post CD along LOX by moving fee to section H. Buyer Comment (2026-07-27): Third party fee, will be moved to section H |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | 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 | |||||||||
| 225900681 | [Redacted] | [Redacted] | 36947633 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Sewer Repairs Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by [redacted] due to Sewer Repairs Fee. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-13): [redacted] received PCCD and LOE Buyer Comment (2026-08-12): PCCD submitted Reviewer Comment (2026-07-28): [redacted] received rebuttal stating sewer bill fee were utility fee therefore we would require updated Post CD along with LOX by moving this fee to section H in order to clear the exception. Buyer Comment (2026-07-27): please remove the sewer fee from your zero tolerance calculations. this is a utility fee and should not be included |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | 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 | |||||||||
| 225900681 | [Redacted] | [Redacted] | 36981191 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | The closing statement for the bridge loan is not located in the file. | Reviewer Comment (2026-07-28): Received Closing disclosure for the bridge loan. Exception cleared. Buyer Comment (2026-07-27): Bridge loan final CD |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225900681 | [Redacted] | [Redacted] | 37087637 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [redacted] exceeds tolerance of[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]received rebuttal. However,the Appraisal fee increased on CD dated [redacted] for [redacted] from [redacted]. Kindly provide a valid COC for the fee increased or cure due to borrower.Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | Reviewer Comment (2026-08-13): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-12): PCCD submitted |
08/13/2026 | No | 2 | B | B | B | B | B | CO | 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 | ||||||||||||||
| 225900913 | [Redacted] | [Redacted] | 36958701 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by [redacted] due to Recording Fee. No valid COC was provided. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-24): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-23): PCCD, LOX, Label and Check |
07/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NV | 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 | |||||||||
| 225900918 | [Redacted] | [Redacted] | 36959406 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Recording Fee increased to [redacted] without a valid change of circumstance; insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-18): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-08-17): Please see attached. Reviewer Comment (2026-08-10): [redacted] Title Endorsement fees were disclosed in Section B which are tested at [redacted] tolerance. Provider listed on SSPL is other than "[redacted]". Appears borrower shopped for title fees. Corrected CD moving the title - endorsement fee to Section C and LOE to borrower required to cure. Buyer Comment (2026-08-07): Please remove the [redacted]fee from your finance calculations. This is a required title endorsement fees for properties in the state of [redacted] . Reviewer Comment (2026-08-04): [redacted]received the rebuttal comment. However, the ALTA [redacted] Environmental fee of [redacted] and the ALTA [redacted] Restrictions fee of [redacted] were added to Section B of the CD dated [redacted]. The corresponding COC provided does not contain sufficient information to substantiate why these fees were added. As a result, our testing reflects that the fees exceed the applicable [redacted] cumulative tolerance threshold. Please provide a valid COC supporting the addition of these fees, or a tolerance cure refund to the borrower will be required. Buyer Comment (2026-08-03): Please see the CD dated [redacted] at this time the loan amount was changed and the recording fee was updated. This is a valid change within the alloted time. Please clear condition. |
08/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | 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 | |||||||||
| 225900918 | [Redacted] | [Redacted] | 36959408 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $389.00 exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee increased to [redacted] without a valid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-08-04): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-08-03): This credit has already been given. Please clear condition. |
08/04/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | UT | 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 | |||||||||
| 225900929 | [Redacted] | [Redacted] | 36960012 | 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 found in file. | Reviewer Comment (2026-07-24): [redacted] received [redacted] CD received [redacted] business days prior to consummation. Buyer Comment (2026-07-23): Initial CD |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225900929 | [Redacted] | [Redacted] | 36960013 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Discount points increased. A change of circumstance disclosing the fee was found in the file but the associated LE/CD was not found in the file. | Reviewer Comment (2026-08-25): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-08-24): PCCD Reviewer Comment (2026-08-18): [redacted] received rate lock documents, however the program changed on [redacted] as per the provided documents and fee increased on [redacted] which is not within [redacted] days of change. Cure of [redacted] is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-17): Here are additional locks that weren't shipped, would you please review them and confirm that [redacted] is still the correct amount. Reviewer Comment (2026-08-06): Lender provided certification that program changed due to borrower did not qualify for other program. In reviewing file documentation, there is a rate lock, Doc ID [redacted] for [redacted] - Signature Expanded - [redacted] reflecting a [redacted] timestamp. However, there is also an Underwriting Conditional Approval, Doc ID [redacted] that reflects an Approved date of[redacted] for [redacted] - Signature Expanded - 1099 program. This appears to be the date of lender notification of the change in program. The Changed Circumstance is dated[redacted] . Based on the Underwriting Conditional Approval dated[redacted] , this appears to be the date of change of the program, but the discount points increased on [redacted] CD and would not have been disclosed to borrower within [redacted] business days of lender knowledge. Please provide additional information to support the lender's knowledge of the program change and confirming the specific program change and why or cure would be due. Reviewer Comment (2026-08-06): [redacted] Received COC dated [redacted] indicating a loan program change. However, additional details are required regarding: 1) The specific program change that occurred. 2) The date the lender became aware of the change. Please provide documentation supporting a valid Changed Circumstance. If a valid Changed Circumstance cannot be documented, a fee cure will be required. Cure Documentation consist of Corrected Closing Disclosure (CD), Letter of Explanation (LOE) provided to the borrower, Proof of mailing/delivery of the corrected disclosure and Copy of the refund check. Buyer Comment (2026-08-05): loan program change Reviewer Comment (2026-07-24): [redacted] Received COC dated[redacted] stating loan program change; however, require detail information about loan program 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. Buyer Comment (2026-07-23): CD and COC showing the increase in discount points is due to the loan program change |
08/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | 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 | |||||||||
| 225901021 | [Redacted] | [Redacted] | 36960071 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Transfer tax fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225902915 | [Redacted] | [Redacted] | 36966876 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception was approved for non-warrantable due to critical repairs. | 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 guideline required amount by the equivalent of [redacted] months PITIA or more. 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. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: WVOE Disposable Income: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-16): Clients elect to waive with compensating factors. |
07/16/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225902915 | [Redacted] | [Redacted] | 36966923 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) [Redacted] High-Cost Loan (Points and Fees) | [redacted] Anti-Predatory Lending Statute: Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Total Loan Amount. Points and Fees total [redacted] on a Total Loan Amount of [redacted] vs. an allowable total of [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 total loan amount. Points and fees total [redacted] on a total loan amount of [redacted] versus an allowable total of [redacted]. Non-compliant high cost loan. | Reviewer Comment (2026-08-13): [redacted] received evidence of seller paid transfer taxes. Buyer Comment (2026-08-13): Please see the title email stating that the $[redacted] is for transfer taxes. Transfer taxes aren't included in points and fees. Reviewer Comment (2026-08-06): Effective [redacted] , fees that would be included in the high cost points and fees calculation if paid by the borrower, the fee would also be included if paid by the lender, seller, or other party. Additional information regarding the inclusion of points and fees paid by seller: Basis for this approach is the [redacted] [redacted] banking letter found here: http://www.dfs.ny.gov/legal/interpret/[redacted].htm. This opinion is a follow up to the guidance provided on [redacted] found here: http://www.dfs.ny.gov/legal/interpret/[redacted]htm. The $[redacted] title fee paid to [redacted] was found on the Seller's CD. For TPR (third party review) purposes, a seller CD would not be sufficient to consider a fee as imposed solely on the seller and not for a service required by lender, since there could have just been an error or typo causing it to be missing from the borrower's CD. Because we cannot rely on placement of a fee alone to determine if imposed on borrower, and [redacted] includes seller paid fees when it's the seller paying for a fee in lieu of the borrower, we are requesting evidence of the purpose of the fee, whether the service was required by the lender, and whether it was a fee paid by the seller on behalf of the borrower. Please request a statement from the title company, settlement agent, or an attestation from the lender for further review. Reviewer Comment (2026-08-06): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-08-04): I've not heard that seller paid fees are included in the state of [redacted] . And assuming that's correct, I'm not sure where the [redacted] recording fee is coming from. I don't see it on the final CD, and don't know why it's being included. Can you see where this fee is coming from and see if it can be removed? Reviewer Comment (2026-07-30): Seller paid fees are included in [redacted] high cost fees if the seller paid a fee that would otherwise be included in the high cost fee calculation. Seller's CD reflects [redacted] in Title Fees to [redacted] . There are other fees paid to this title company on the borrower's CD. Need additional info on purpose of this fee/charge to possibly exclude from high cost. Amount is not mentioned in the purchase contract. Buyer Comment (2026-07-28): A couple of the fees including a [redacted] fee is paid by the seller and shouldn't count against the borrower's points and fees. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Within 30 days of closing, provide: (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (3) Assuming option (b) is selected, proof of cure for each of the prohibited practice violations noted. (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing; (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225902915 | [Redacted] | [Redacted] | 36966962 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | HOA/Condo questionnaire amount of [redacted] exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-13): Sufficient Cure Provided At Closing |
07/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225902915 | [Redacted] | [Redacted] | 36996555 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI variance. Lenders DTI: [redacted]. Review DTI: [redacted]. Variance is due to lender not considering [redacted] per month loss on investment property located at [redacted] | Reviewer Comment (2026-08-06): Installment account less than [redacted] months excluded. DTI within threshold limit. Buyer Comment (2026-08-04): urla and 1008 Reviewer Comment (2026-07-30): [redacted] account is excluded as less than [redacted]months payment and DTI are [redacted] below the threshold limit. Please provided updated 1008 &1003 with ratio excluding this liability. Buyer Comment (2026-07-28): Credit supplement showing the Pentagon $[redacted] auto payment is down to less than [redacted] months. Can be excluded from the DTI. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225902915 | [Redacted] | [Redacted] | 36996574 | 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 points and fees: Points and fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the total loan amount. | Reviewer Comment (2026-08-06): Installment account less than [redacted] months excluded. DTI within threshold limit. Reviewer Comment (2026-07-30): [redacted] account is excluded as less than [redacted]months payment and DTI are [redacted] below the threshold limit. Please provided updated 1008 &1003 with ratio excluding this liability. |
08/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225902915 | [Redacted] | [Redacted] | 36996575 | 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 points and fees: Points and fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the total loan amount. | Reviewer Comment (2026-08-06): Installment account less than [redacted] months excluded. DTI within threshold limit. Reviewer Comment (2026-07-30): [redacted] account is excluded as less than [redacted]months payment and DTI are [redacted] below the threshold limit. Please provided updated 1008 &1003 with ratio excluding this liability. |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225903090 | [Redacted] | [Redacted] | 36968545 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Incomplete pages for provided Note - Subject Lien document. Only page [redacted] of [redacted] was provided. | Reviewer Comment (2026-07-22): Complete note, cleared Buyer Comment (2026-07-21): note |
07/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | VT | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 225904098 | [Redacted] | [Redacted] | 37030868 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure[redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted] | Seller Closing Disclosure is missing. | Reviewer Comment (2026-07-23): [redacted] received seller CD. Buyer Comment (2026-07-22): Sellers CD |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225905225 | [Redacted] | [Redacted] | 36947295 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI exceeded due to the lender's use of qualified base income [redacted]. As per the document, the calculated income is [redacted], which is higher than the lender's used income. | Reviewer Comment (2026-08-25): Received updated 1008 and bid tape. Cleared. Reviewer Comment (2026-08-25): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted] ; Bid Tape Investor Qualifying Total Debt Ratio: [redacted] . Buyer Comment (2026-08-24): Please review the data compare. We now match. Please clear condition. Reviewer Comment (2026-08-05): Calculated DTI is [redacted] using IO qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-08-03): Please see attached |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225905225 | [Redacted] | [Redacted] | 36947315 | 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. | DTI exceeded due to the lender's use of qualified base income [redacted]. As per the document, the calculated income is [redacted], which is higher than the lender's used income. | Reviewer Comment (2026-08-25): Received updated 1008 and bid tape. Cleared. Buyer Comment (2026-08-24): Waterfall Reviewer Comment (2026-08-05): Calculated DTI is [redacted] using IO qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-08-03): Waterfall |
08/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225905225 | [Redacted] | [Redacted] | 36947316 | 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. | DTI exceeded due to the lender's use of qualified base income [redacted]. As per the document, the calculated income is [redacted], which is higher than the lender's used income. | Reviewer Comment (2026-08-25): Received updated 1008 and bid tape. Cleared. Buyer Comment (2026-08-24): Waterfall Reviewer Comment (2026-08-05): Calculated DTI is [redacted] using IO qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-08-03): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225906558 | [Redacted] | [Redacted] | 36957772 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] 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 final Closing Disclosure dated [redacted] non-escrowed property cost was blank on page[redacted] | Reviewer Comment (2026-08-11): [redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-08-10): pccd |
08/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225908766 | [Redacted] | [Redacted] | 36968397 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] 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]. Non-Compliant Higher Priced Mortgage Loan. | File is missing evidence of receipt for appraisal report dated [redacted]. | Reviewer Comment (2026-07-27): doc provided Buyer Comment (2026-07-23): aprsl receipt upld to trl docs |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225908766 | [Redacted] | [Redacted] | 36968398 | 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 [redacted] business days prior to consummation. | File is missing evidence of receipt for appraisal report dated [redacted] | Reviewer Comment (2026-07-27): doc provided Buyer Comment (2026-07-23): aprsl receipt upld |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225908766 | [Redacted] | [Redacted] | 37005896 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Borrower signed the Security Instrument however the date is missing on the signature line. | Reviewer Comment (2026-08-24): Cleared. Receive security instrument and correspondence from title. Buyer Comment (2026-08-20): rebuttal upld Reviewer Comment (2026-08-17): Received a duplicate security instrument that is the same as the one provided in the original file. Along with that, there are [redacted] cover sheets showing the security instrument was recorded on [redacted] and then again on [redacted] , however the original exception has never been corrected. The reason for the re-recorded is not clear. The date on the security instrument by the customer must be completed. Buyer Comment (2026-08-13): title email confirming the coversheet is sufficient to tadd the bwr signing date upld. Reviewer Comment (2026-08-11): Received Security Instrument has been signed by the borrower; however, the borrower signature date is missing. Provide a signed and dated Security Instrument. Exception remains. Buyer Comment (2026-08-10): the coversheet included with the re-recorded mortgage on [redacted] corrects the missing date, this is the process used by the title company. Reviewer Comment (2026-08-10): Received Security Instrument has been signed by the borrower; however, the signature date is missing. Provide a signed and dated Security Instrument. Exception remains. Buyer Comment (2026-08-07): re-recorded mortgage upld |
08/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AZ | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225908786 | [Redacted] | [Redacted] | 36969678 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted] | Reviewer Comment (2026-07-17): Flood Insurance Premium amount is provided in Flood Insurance Binder. Calculated DSCR matches with Tape data DSCR. Exception cleared. Seller Comment (2026-07-16): We accept price change |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225908786 | [Redacted] | [Redacted] | 36969684 | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. | Reviewer Comment (2026-07-17): Flood Insurance Premium amount is provided in Flood Insurance Binder. Exception cleared. Seller Comment (2026-07-16): Business Docs/Flood/Tracking |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 225908786 | [Redacted] | [Redacted] | 36980272 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Unanimous Consent & Resolution to Borrow is not located in the file. | Reviewer Comment (2026-07-31): Received required document. Seller Comment (2026-07-30): final document Reviewer Comment (2026-07-24): The requirement is in the guides, page [redacted] , Section [redacted] See below. Documentation Requirements • Articles of Organization • Operating Agreement • Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address • SS-4 Form or equivalent listing federal tax ID Number • Certificate of Good Standing from the applicable Secretary of State's office, dated within [redacted] days of the note date. If LLC formed in a state other than that were subject property located, a Certificate of Good Standing is needed from both the state of incorporation and the state where the subject property is located Seller Comment (2026-07-22): Please note The borrower is [redacted]% owner of the LLC, with no other members. Can you please provide the guidelines for my reference? Reviewer Comment (2026-07-20): Per guidelines, Unanimous Consent & Resolution to Borrow must include lender name, loan amount, and property address. Exception remains. Seller Comment (2026-07-16): Document received |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225908999 | [Redacted] | [Redacted] | 36976347 | Credit | Credit | Credit Eligibility | Credit | Borrower has active Tradelines which are less than the minimum required by guidelines. | - Active Tradelines: ___ | Lender to provide at least [redacted] tradelines within [redacted]months. | Reviewer Comment (2026-09-01): Per credit report, [redacted] active tradelines noted in the last [redacted] months. Exception cleared. Buyer Comment (2026-08-28): The tradelines provided meet the requirement for at least three tradelines within the past [redacted] months. The referenced accounts are open and active tradelines. A [redacted] current balance does not, in and of itself, indicate that a tradeline is closed, inactive, or otherwise ineligible. The accounts remain open and active, and therefore should be considered valid tradelines for purposes of satisfying this condition. The presence of a [redacted] balance should not be used as the sole basis for excluding these accounts. Please review the credit report and supporting documentation and clear this condition, as the requirement for [redacted] active tradelines has been met. Reviewer Comment (2026-08-19): Credit report shows tradelines which does not shows any balance. Guidelines requires minimum [redacted] active tradelines in last [redacted] months. Exception remains. Buyer Comment (2026-08-18): Please re-review the credit report. The client has the following tradelines: [redacted] , These have all been opened a year at the time of closing. Based on this, please clear condition. Reviewer Comment (2026-07-31): The lender exception provided does not address the tradeline requirements. Buyer Comment (2026-07-30): Please see attached exception. Please clear condition. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 225908999 | [Redacted] | [Redacted] | 36976349 | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | Lender to provide at least [redacted] tradelines within [redacted]months. | Reviewer Comment (2026-09-01): Per credit report, [redacted] active tradelines noted in the last [redacted] months. Exception cleared. Buyer Comment (2026-08-28): Waterfall Reviewer Comment (2026-08-19): Credit report shows tradelines which does not shows any balance. Guidelines requires minimum [redacted] active tradelines in last [redacted] months. Exception remains. Buyer Comment (2026-08-18): Waterfall Reviewer Comment (2026-07-31): The lender exception provided does not address the tradeline requirements. Buyer Comment (2026-07-30): Waterfall |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| 225908999 | [Redacted] | [Redacted] | 36976350 | 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 not meeting the requirement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-07-31): Client elects to waive with compensating factors. Reviewer Comment (2026-07-31): Lender exception approval provided for DSCR C/O for LTV of [redacted] requires [redacted] score. Buyer Comment (2026-07-30): Waterfall |
07/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 225908999 | [Redacted] | [Redacted] | 36976381 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The lender exception was approved for landlord history [redacted] month requirement. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-07-31): Client elects to waive with compensating factors. Buyer Comment (2026-07-30): Waterfall |
07/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225912272 | [Redacted] | [Redacted] | 36996582 | Credit | Credit | Credit Eligibility | Credit | Borrower has open Tradelines which are less than the minimum required by guidelines. | - Open Tradelines: ___ | Three trade lines and a credit history covering [redacted] months preceding the application date is required. | 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. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-24): Client elects to waive with compensating factors. Buyer Comment (2026-07-22): exception |
07/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||
| 225915116 | [Redacted] | [Redacted] | 37206445 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - DSCR | Reviewer Comment (2026-08-13): Received updated DSCR worksheet along with lease agreements. Lower rent used. Exception cleared. Buyer Comment (2026-08-11): Supporting docs Buyer Comment (2026-08-11): [redacted] respectfully disagrees with AMC rent calc. Attached please find DSCR Calc, Lease Agreements and 1007. Please review and update rent to [redacted] [redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | IN | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225916449 | [Redacted] | [Redacted] | 36995958 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Lender worksheet using lower rent for short term, higher interest rate with qualifying payment of [redacted] and DSCR of [redacted]. Missing [redacted]-month operating history for short term rental. | Reviewer Comment (2026-08-05): Qualified short Term Income of [redacted]% from Market Rent [redacted] ) as a Vacancy Factor. Exception Cleared. Buyer Comment (2026-08-04): Concerning the DSCR condition, we are using [redacted] as the monthly income since that's what's on the appraisal. Our income worksheet will not reflect that number because is assumes we are using information from [redacted] that needs to have vacancies accounted for. Whereas the appraiser's number has already accounted for all of that. Is there anything else that can be provided to clear this condition? |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225916449 | [Redacted] | [Redacted] | 37011519 | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently [Redacted] and evidence of at least [redacted] months of Operating History is not present in the loan file. | Per guidelines, Properties where the residential units are currently rented on a short-term basis must take the lesser of a [redacted]-month average of rents received OR the appraiser's opinion of long-term market rents. The [redacted]-month operating history is missing. | Reviewer Comment (2026-08-11): Cleared Buyer Comment (2026-08-11): Is this a waterfall of the first condition? [redacted] was provided, and we are using the appraiser's short term rental calculation amount. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225919115 | [Redacted] | [Redacted] | 36997735 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] tolerance was exceeded by [redacted] due to the Transfer Tax Fee. No valid Change of Circumstance (COC) was provided and there was no evidence of a tolerance cure. | Reviewer Comment (2026-07-29): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-07-27): PCCD, LOX, Label and Check |
07/29/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | |||||||||
| 225919320 | [Redacted] | [Redacted] | 37026074 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | missing Insurance Verification for [redacted] | Reviewer Comment (2026-07-23): Property is condominium and no insurance. Exception Cleared. Seller Comment (2026-07-22): Borrower owns property free and clear and not required to have insurance. Does not have an HO6 |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | Non QM | N/A | No | ||||||||||
| 225924728 | [Redacted] | [Redacted] | 37007562 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Lender exception was approved at origination for non-warrantable condo due to condotel features with occupancy restrictions. Compensating factors are long-term home ownership (> [redacted]), DSCR of [redacted] or greater, and FICO [redacted] points or more above requirements. Expanded due to condotel features with occupancy restrictions. Exception Analyst Notes: Project prohibits full-time occupancy; maximum occupancy period of [redacted]days applies to tenants and owners alike. However, the project is not a true condotel, as there are no mandatory rental obligations or rental pooling requirements. Moreover, there is no revenue sharing requirement either. Finally, the appraisal confirms the [redacted]-day occupancy limitation does not adversely affect the subject project's marketability, as evidenced by three closed sales from the subject project that sold quickly (Days on Market for these three comps were [redacted], respectively). Exception approval/counteroffer is applicable only if the loan is registered and closing as[redacted]. Subject to meeting all other [redacted] guideline requirements. Any loan attribute limit listed above is a requirement to maintain the exception approval/counteroffer. The exception LLPA cited above is in addition to (i.e., over and above) any and all rate sheet LLPAs that apply, including (but not limited to) LLPA(s) for "[redacted]Condo". | The representative FICO score exceeds the guideline minimum by at least [redacted]points. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by [redacted] |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Debt Service Coverage Ratio: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-17): Client elects to downgrade and waive. |
07/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||
| 225924728 | [Redacted] | [Redacted] | 37013764 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | At least [redacted] member of the LLC is required to qualify for the loan and to guarantee the loan. Document missing. | Reviewer Comment (2026-07-31): Borrower signed note as an individual. Guarantor Agreement is not required. Exception Cleared. Buyer Comment (2026-07-29): bwr signed note as an individual as well. |
07/31/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 225924739 | [Redacted] | [Redacted] | 37018426 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Missing Employer Identification Number (EIN) for entity in the loan file. | The representative FICO score exceeds the guideline minimum by at least [redacted] points. | Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-07-24): Client elects to waive with compensating factors. Reviewer Comment (2026-07-24): Lender exception approval provided to waive the EIN requirement. This is a single member [redacted]% owner LLC. In lieu of the EIN use the SSN from guarantor. Buyer Comment (2026-07-22): Exception |
07/24/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||
| 225924739 | [Redacted] | [Redacted] | 37018427 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Missing verification of identification in the loan file. | Reviewer Comment (2026-07-23): Received Patriot Act documentation verifying the borrowers' identities. Identity verification requirement satisfied. Exception cleared. Buyer Comment (2026-07-21): Patriot Act |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 225924739 | [Redacted] | [Redacted] | 37018432 | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. | - | Missing verification of borrower's identity, and exception raised for the same. | Reviewer Comment (2026-07-23): Received Patriot Act documentation verifying the borrowers' identities. Identity verification requirement satisfied. Exception cleared. Buyer Comment (2026-07-21): Patriot Act |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| 225925028 | [Redacted] | [Redacted] | 37008066 | Compliance | Compliance | State Compliance | Misc. State Level | [redacted] Tangible Net Benefit Test | [redacted] Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information. | Reviewer Comment (2026-08-17): Document provided [redacted] Buyer Comment (2026-08-13): There is no note on a Construction loan. Contractor files a [redacted]lien (See Title [redacted]). In addition, please see attached construction contract. Reviewer Comment (2026-08-12): File would need the note or other similar document to confirm the terms of the existing lien. Buyer Comment (2026-08-10): The NTB is not correct as the information listed on the loan being paid off is for the departing residence the borrower sold. However,the loan is paying off construction financing (see payoff [redacted]). Under Rule [redacted[redacted] of the [redacted]Administrative Code, an [redacted]Consumer Sales Practices Act (CSPA) Tangible Net Benefit analysis and worksheet are not required when paying off a standalone construction loan via a new permanent mortgage, because paying off or converting a temporary construction loan to finance the final home is considered an initial residential acquisition or final permanent financing rather than a predatory "flipping" refinance of an existing consumer residential mortgage. Reviewer Comment (2026-08-06): Reviewed the NTB documentation, however the existing lien information appears to be incorrect. File would need the note or other similar document to confirm the terms of the existing lien. Buyer Comment (2026-08-04): Signed NTB found in [redacted] |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225925028 | [Redacted] | [Redacted] | 37008067 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | [redacted] Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | Reviewer Comment (2026-08-06): Disclosure received Buyer Comment (2026-08-04): Please see attached [redacted] Disclosure of Right Not to Close |
08/06/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225925079 | [Redacted] | [Redacted] | 37008134 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | The Hazard Insurance Policy Effective Date [redacted] is after the later of the disbursement date and the closing date [redacted], which is after the closing HOI date. | Reviewer Comment (2026-08-20): Received Hazard Insurance Policy Effective Date [redacted] till [redacted]. Exception cleared. Buyer Comment (2026-08-18): Please see attached. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225925079 | [Redacted] | [Redacted] | 37008164 | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance policy effective date is after the note date as Flood Insurance Policy Effective Date [redacted] and Note Date [redacted], which is after the closing date. | Reviewer Comment (2026-08-20): Received Flood Insurance Policy Effective Date redacted] till [redacted]. Exception cleared. Buyer Comment (2026-08-18): Please see attached. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225925080 | [Redacted] | [Redacted] | 37008255 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide mortgage statement for the property [redacted] | Reviewer Comment (2026-09-01): Mortgage statement received, exception cleared Buyer Comment (2026-08-28): Please see attached. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225925080 | [Redacted] | [Redacted] | 37008289 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | The Verification of Employment for [redacted] is not dated within [redacted] business days of the Note date. | Reviewer Comment (2026-08-07): Received Co-Borrower VVOE document within the [redacted]business days from the closing date, Exception Cleared Buyer Comment (2026-08-05): Please see attached |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225925080 | [Redacted] | [Redacted] | 37013573 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Co-borrower's VVOE is not within [redacted] business days of the Note date. | Reviewer Comment (2026-08-07): Received Co-Borrower VVOE document within the [redacted]business days from the closing date, Exception Cleared Buyer Comment (2026-08-05): Waterfall |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225925124 | [Redacted] | [Redacted] | 37015517 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | [redacted] 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 (2026-08-05): Notice of Flood Insurance received in file. Exception Cleared. Buyer Comment (2026-08-03): please see flood disclosure doc [redacted]. it was signed on [redacted], a month prior to the [redacted] closing date |
08/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | B | A | A | A | N/A | N/A | No | ||||||||||
| 225925124 | [Redacted] | [Redacted] | 37015574 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Reviewer Comment (2026-09-03): Received CPA letter and lender exception. Condition cleared. Buyer Comment (2026-09-01): please see attached lender exception for post close voe cpa letter Reviewer Comment (2026-08-31): Acklnowledged. Buyer Comment (2026-08-27): please disregard comment for [redacted]exception Reviewer Comment (2026-08-27): Sent email regarding this exception. This is not a [redacted]loan. Buyer Comment (2026-08-25): Requesting [redacted]lender exception for post close VOE CPA letter with the following compensating factors: Long Term Home Ownership > [redacted]years; Long Term Employment > years; FICO scores more than [redacted]points above requirement; no delinquencies on credit report within the last [redacted]months; [redacted]months reserves; residual income more than [redacted]%; minimal consumer debt Reviewer Comment (2026-08-25): Require CPA letter prior to Note Date. Exception Remains. Buyer Comment (2026-08-24): please see attached B1 CPA letter Reviewer Comment (2026-08-05): Borrower [redacted] is self-employed with [redacted] we require Third party verification or CPA within [redacted]days. Also borrower has wage income from [redacted] for which we require VVOE within [redacted]days from Note. Exception Remains. Buyer Comment (2026-08-03): B2 [redacted] is self employed. please see CPA letter doc [redacted]and signed P&L statement doc [redacted] |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | B | A | A | A | N/A | N/A | No | |||||||||||
| 225925124 | [Redacted] | [Redacted] | 37454600 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for post closing CPA letter for the primary borrower's business. approved. | 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 guideline required amount by the equivalent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Documentation Type: [redacted] Full Doc Disposable Income: [redacted] Actual Reserves: [redacted] Required Reserves: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-03): Client elects to waive with compensating factors. |
09/03/2026 | Yes | 2 | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | B | A | A | A | N/A | N/A | No | |||||||||||||
| 225925976 | [Redacted] | [Redacted] | 37016280 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted]exceeds tolerance of [redacted] with no change of circumstances but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-07-23): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-07-22): please cancel, this was cured on the final closing CD, section J. |
07/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | Second Home | 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 | |||||||||
| 225925976 | [Redacted] | [Redacted] | 37016281 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Tolerance exceeded for Survey Fee. Fee Amount of [redacted] with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-07-23): [redacted]Received email communication showing Title require survey. Buyer Comment (2026-07-22): title email confirming they required survey upld |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Second Home | 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 | |||||||||
| 225925976 | [Redacted] | [Redacted] | 37049648 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-23): Sufficient Cure Provided At Closing |
07/23/2026 | No | 1 | A | A | A | A | A | OH | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225925977 | [Redacted] | [Redacted] | 37016966 | Compliance | Compliance | State Compliance | State Defect | [redacted] Subtitle[redacted] Interest and Usury Prepayment Penalty ([redacted]) - Permissive Method | [redacted] Subtitle [redacted] Interest and Usury Prepayment Penalty (Prior to [redacted]): Alternate prepayment penalty testing methodology utilized under §[redacted]allowing prepays over prescribed limits (greater than [redacted] months or [redacted] months' advanced interest on prepayment in excess of [redacted] of original loan amount) to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by [redacted] outside counsel given the ambiguity in the state law. Note or Prepay Addendum provides specific language that prepayment penalty will not exceed maximum permitted by applicable law. | Buyer Comment (2026-07-29): okay per CNR |
07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 225926525 | [Redacted] | [Redacted] | 37011386 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted] is in excess of the allowable maximum of [redacted] of the Federal Total Loan Amount. Points and Fees of [redacted] on a Federal Total Loan Amount of [redacted] vs. an allowable total of [redacted] . Non-Compliant High Cost Loan. | HOEPA Points and Fees on subject loan of[redacted] is in excess of the allowable maximum of [redacted]. Threshold exceeded by [redacted] | Reviewer Comment (2026-08-19): Client updated deal settings for bona fide discount points. Reviewer Comment (2026-08-17): The difference between the lender's [redacted]and [redacted] results comes down to the basis point ratio being used to test the discount points. The deal setting for TILA Discount Point Standard Ratio for Exclusion is set to [redacted], which is also the industry standard ratio. However, looking at the Bona Fide Discount Point Eligibility section on page [redacted] of the [redacted], the Bona Fide Discount Point Reduction Basis shows [redacted]%. With a % ratio, [redacted]this is essentially forcing the discount points to pass this prong of the bona fide discount point test. Reviewer Comment (2026-08-07): Escalation response: In order to exclude a portion (or all) of the discount points from HOEPA, QM and certain state high cost tests, the lender must demonstrate that discount points were "bona fide". In order to be considered "bona fide", there must be a rate reduction that occurred, and the rate reduction must meet a basis point ratio that is detailed in §[redacted](b)(3). A discount point is considered "bona fide" if it reduces the consumer's interest rate by an amount that reflects established industry practices, such as [redacted]mortgage market norms ([redacted] defaults to [redacted]%). The issue for the subject loan is that the rate reduction was not sufficient to meet the deal setting of [redacted]% per point paid. With an undiscounted rate of [redacted]%, an undiscounted rate price of [redacted]%, and discount points paid of [redacted]%, we would calculate the cost of the rate reduction as [redacted]% and calculate the rate reduction as [redacted]% ([redacted]). If we divide the amount of interest rate reduction ([redacted]%) by the amount of discount points paid ([redacted]%), we arrive at a rate reduction of [redacted]%, which does not meet the industry standard of [redacted]% or the client selected deal setting of [redacted]%. While the [redacted]% threshold test is used by [redacted]as the default, this amount can be adjusted by client to any reasonable level to meet their own risk tolerance (must be greater than [redacted]%). The Discount Point Standard Ratio for Exclusion can be adjusted by client in deal settings, or if the client elects to use a different ratio on a loan-level basis, there must be written confirmation from the client specific to the loan being reviewed and the ratio being approved documented in the file. Reviewer Comment (2026-08-07): Exception has been escalated. Buyer Comment (2026-08-05): Bona fide discount points still need to be excluded per the [redacted]. Reviewer Comment (2026-07-31): Total Finance charge is $[redacted] which gives the federal total loan amount of $[redacted]($[redacted]-$[redacted]). [redacted]% of $[redacted]is $[redacted], which is less than the points and fees of $[redacted]. Buyer Comment (2026-07-29): Loan amount is $[redacted], and the points and fee are under [redacted]% of the loan amount. |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225928683 | [Redacted] | [Redacted] | 37011826 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Credit Report Fee Amount of [redacted] exceeds tolerance of $[redacted]with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-07-24): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-07-23): Please see attached. This has already been refunded on the final CD |
07/24/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 225928683 | [Redacted] | [Redacted] | 37011827 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted]Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | TX Guaranty Fee Amount of $[redactedexceeds tolerance of $[redacted. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-31): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-07-29): Please see attached. |
07/31/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 225929309 | [Redacted] | [Redacted] | 37019455 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-31): E-Sign Consent provided, information validated. Exception Cleared. Buyer Comment (2026-07-29): proof econsent accepted upld |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225929309 | [Redacted] | [Redacted] | 37019474 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-31): [redacted]received updated LE and valid changed circumstance. Buyer Comment (2026-07-29): [redacted] le/tracking and initial lock upld, the corresponding valid coc and final lock are on [redacted]and [redacted], the program changed & bwr rqst'd exension Buyer Comment (2026-07-29): [redacted] le/tracking and initial lock upld, the corresponding valid coc and final lock are on [redacted]and [redacted]-[redacted], the program changed & bwr rqst'd exension |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | 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 | |||||||||
| 225929309 | [Redacted] | [Redacted] | 37019475 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee was not disclosed on LE but disclosed as [redacted]on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-31): [redacted]received updated LE and valid changed circumstance. Buyer Comment (2026-07-29): [redacted] le/tracking and initial lock upld to trl docs, the corresponding valid coc and final lock are on [redacted]and [redacted]-[redacted], the program changed & bwr rqst'd extension |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | 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 | |||||||||
| 225929309 | [Redacted] | [Redacted] | 37019476 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [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, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-31): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-07-29): please cancel, this was cured at closing on the final cd section j. |
07/31/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WA | 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 | |||||||||
| 225929309 | [Redacted] | [Redacted] | 37118008 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-31): Sufficient Cure Provided At Closing |
07/31/2026 | No | 1 | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225929309 | [Redacted] | [Redacted] | 37204014 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: FICO | Reviewer Comment (2026-08-14): Revised 1008 and bid tape has been updated for FICO. Exception cleared. Buyer Comment (2026-08-12): revised 1008 upld, bid tape update has been requested |
08/14/2026 | No | 1 | A | A | A | A | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225929364 | [Redacted] | [Redacted] | 37016859 | 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. | ATR failure due to missing income documentation: WVOE provided is more than [redacted]days from note date: WVOE date is [redacted]. Note date is [redacted]. | Reviewer Comment (2026-08-20): Cleared. Received W-2 Transcripts Buyer Comment (2026-08-18): The [redacted]paragraph on page [redacted]shows the original rejection reason as "Reject Code 2 - The address in box [redacted] or [redacted] is Altered, Illegible, Missing, Incomplete, or does not match IRS records" which is why it was resubmitted. Reviewer Comment (2026-08-13): Section [redacted] of the guideline states that in the event that a WVOE is provided as the sole income source, W-2 transcripts must be obtained that support the figures listed on the WVOE in underwriting's determination. Could not locate rejection reason by IRS for the resubmitted request. Exception remains. Buyer Comment (2026-08-12): Page [redacted]was the original request through [redacted]that was requested. The request was then resubmitted via fax pages.[redacted] . See the dates. page [redacted]was dated [redacted]. The fax receipt was [redacted]. [redacted] different submissions. If the [redacted]submission was rejected it would not have had any information on it. Reviewer Comment (2026-08-10): Required W-2 transcripts as Income are qualified with WVOE only and per guide it also requires W-2 Transcript supporting WVOE income or provide paystub within [redacted]days. Doc id [redacted]pg no [redacted]is showing W-2 -Tax period year [redacted]and [redacted]is rejected. Exception remains. Buyer Comment (2026-08-06): See [redacted] Reviewer Comment (2026-07-31): Income is qualified with WVOE only and per guide it also requires W-2 Transcript supporting WVOE income or provide paystub within [redacted]. Buyer Comment (2026-07-29): The guidelines state that WVOE are good for [redacted]days. WVOE until [redacted] |
08/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225929364 | [Redacted] | [Redacted] | 37016860 | 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, WVOE provided was dated more than 90 days prior to closing. | ATR failure due to missing income documentation: WVOE provided is more than [redacted]days from note date: WVOE date is [redacted]. Note date is [redacted]. | Reviewer Comment (2026-08-20): Cleared. Received W-2 Transcripts Buyer Comment (2026-08-18): The [redacted]paragraph on page [redacted]shows the original rejection reason as "Reject Code 2 - The address in box [redacted] or [redacted] is Altered, Illegible, Missing, Incomplete, or does not match IRS records" Reviewer Comment (2026-08-13): Section[redacted] of the guideline states that in the event that a WVOE is provided as the sole income source, W-2 transcripts must be obtained that support the figures listed on the WVOE in underwriting's determination. Could not locate rejection reason by IRS for the resubmitted request. Exception remains. Buyer Comment (2026-08-12): Page [redacted]was the original request through [redacted]that was requested. The request was then resubmitted via fax pages.[redacted] . See the dates. page [redacted]was dated[redacted]. The fax receipt was [redacted]. Two different submissions. If the [redacted]submission was rejected it would not have had any information on it. Reviewer Comment (2026-08-10): Required W-2 transcripts as Income are qualified with WVOE only and per guide it also requires W-2 Transcript supporting WVOE income or provide paystub within [redacted] days. Doc id [redacted]pg no [redacted]is showing W-2 -Tax period year [redacted]and [redacted]is rejected. Exception remains. Buyer Comment (2026-08-06): See [redacted] Reviewer Comment (2026-07-31): Income is qualified with WVOE only and per guide it also requires W-2 Transcript supporting WVOE income or provide paystub within [redacted]days. Buyer Comment (2026-07-29): Disregard previous comment as I thought the condition was for VVOE. The guidelines state that WVOE are good for [redacted]days. WVOE until [redacted] Buyer Comment (2026-07-29): See [redacted] pg [redacted]. Shows date of [redacted] at [redacted]am. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225929364 | [Redacted] | [Redacted] | 37016861 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing income documentation: WVOE provided is more than [redacted]days from note date: WVOE date is [redacted]. Note date is [redacted]. | Reviewer Comment (2026-08-20): Cleared. Received W-2 Transcripts Reviewer Comment (2026-07-31): Income is qualified with WVOE only and per guide it also requires W-2 Transcript supporting WVOE income or provide paystub within [redacted]days. |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225929364 | [Redacted] | [Redacted] | 37017012 | 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.) | ATR failure due to missing income documentation: WVOE provided is more than [redacted]days from note date: WVOE date is [redacted]. Note date is [redacted]. | Reviewer Comment (2026-08-20): Cleared. Received W-2 Transcripts Buyer Comment (2026-08-18): The [redacted]paragraph on page [redacted]shows the original rejection reason as "Reject Code [redacted] - The address in box [redacted] or [redacted] is Altered, Illegible, Missing, Incomplete, or does not match IRS records" which is why it was resubmitted. Reviewer Comment (2026-08-13): Section [redacted] of the guideline states that in the event that a WVOE is provided as the sole income source, W-2 transcripts must be obtained that support the figures listed on the WVOE in underwriting's determination. Could not locate rejection reason by IRS for the resubmitted request. Exception remains. Buyer Comment (2026-08-12): Page [redacted]was the original request through [redacted]that was requested. The request was then resubmitted via fax pages.[redacted] . See the dates. page [redacted]was dated [redacted]. The fax receipt was [redacted]. [redacted] different submissions. If the [redacted]submission was rejected it would not have had any information on it. Reviewer Comment (2026-08-10): Required W-2 transcripts as Income are qualified with WVOE only and per guide it also requires W-2 Transcript supporting WVOE income or provide paystub within [redacted]days. Doc id [redacted]pg no [redacted]is showing W-2 -Tax period year [redacted]and [redacted]is rejected. Exception remains. Buyer Comment (2026-08-06): See [redacted] Reviewer Comment (2026-07-31): Income is qualified with WVOE only and per guide it also requires W-2 Transcript supporting WVOE income or provide paystub within [redacted]days. Buyer Comment (2026-07-29): The guidelines state that WVOE are good for [redacted]days. WVOE until [redacted] |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225929364 | [Redacted] | [Redacted] | 37017016 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | ATR failure due to missing income documentation: WVOE provided is more than [redacted]days from note date: WVOE date is [redacted]. Note date is [redacted]. | Reviewer Comment (2026-08-20): Cleared. Received transcripts. Buyer Comment (2026-08-18): The [redacted]paragraph on page [redacted]shows the original rejection reason as "Reject Code [redacted] - The address in box [redacted] or [redacted] is Altered, Illegible, Missing, Incomplete, or does not match IRS records" which is why it was resubmitted. Reviewer Comment (2026-08-13): Section [redacted] of the guideline states that in the event that a WVOE is provided as the sole income source, W-2 transcripts must be obtained that support the figures listed on the WVOE in underwriting's determination. Could not locate rejection reason by IRS for the resubmitted request. Exception remains. Buyer Comment (2026-08-12): Page [redacted]was the original request through [redacted]that was requested. The request was then resubmitted via fax pages.[redacted] . See the dates. page [redacted]was dated [redacted]. The fax receipt was [redacted]. [redacted] different submissions. If the [redacted]submission was rejected it would not have had any information on it. Reviewer Comment (2026-08-10): Required W-2 transcripts as Income are qualified with WVOE only and per guide it also requires W-2 Transcript supporting WVOE income or provide paystub within [redacted] days. Doc id [redacted]pg no [redacted] is showing W-2 -Tax period year [redacted]and [redacted]is rejected. Exception remains. Buyer Comment (2026-08-06): See [redacted] Reviewer Comment (2026-07-31): Income is qualified with WVOE only and per guide it also requires W-2 Transcript supporting WVOE income or provide paystub within [redacted]days. Buyer Comment (2026-07-29): The guidelines state that WVOE are good for [redacted]days. WVOE until [redacted] |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225929364 | [Redacted] | [Redacted] | 37017090 | 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 missing income documentation: WVOE provided is more than [redacted]days from note date: WVOE date is [redacted]. Note date is [redacted]. | Reviewer Comment (2026-08-20): Cleared. Received W-2 transcripts. Buyer Comment (2026-08-18): The [redacted]paragraph on page [redacted]shows the original rejection reason as "Reject Code [redacted] - The address in box [redacted] or [redacted] is Altered, Illegible, Missing, Incomplete, or does not match IRS records" which is why it was resubmitted. Reviewer Comment (2026-08-13): Section [redacted] of the guideline states that in the event that a WVOE is provided as the sole income source, W-2 transcripts must be obtained that support the figures listed on the WVOE in underwriting's determination. Could not locate rejection reason by IRS for the resubmitted request. Exception remains. Buyer Comment (2026-08-12): Page [redacted]was the original request through [redacted]that was requested. The request was then resubmitted via fax pages.[redacted] . See the dates. page [redacted]was dated [redacted]. The fax receipt was [redacted]. [redacted] different submissions. If the [redacted]submission was rejected it would not have had any information on it. Reviewer Comment (2026-08-10): Required W-2 transcripts as Income are qualified with WVOE only and per guide it also requires W-2 Transcript supporting WVOE income or provide paystub within [redacted] days. Doc id [redacted]pg no [redacted]is showing W-2 -Tax period year[redacted] is rejected. Exception remains. Buyer Comment (2026-08-06): See [redacted] Reviewer Comment (2026-07-31): Income is qualified with WVOE only and per guide it also requires W-2 Transcript supporting WVOE income or provide paystub within [redacted]days. Buyer Comment (2026-07-29): The guidelines state that WVOE are good for [redacted]days. WVOE until [redacted] |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930081 | [Redacted] | [Redacted] | 37018634 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-08-03): Received Hazard Insurance Policy with Dwelling covers the Loan Amount. Value updated and Exception cleared. Buyer Comment (2026-07-31): please see[redacted] Reviewer Comment (2026-07-29): Hazard Insurance Policy needs to show the coverage amount Buyer Comment (2026-07-29): hoi upld |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225930081 | [Redacted] | [Redacted] | 37018636 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation was not found in file. | Reviewer Comment (2026-08-04): Received Articles of organization. Exception Cleared. Buyer Comment (2026-08-03): cert of organization upld Reviewer Comment (2026-07-29): A Subsistence Certificate does not suffice for Articles of Organization/Formation Buyer Comment (2026-07-29): cert upld |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225930081 | [Redacted] | [Redacted] | 37022911 | 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) ___. | Lender exception noted on 1008 to approve mixed use property with DSCR of [redacted]. Guideline states a minimum DSCR [redacted] with maximum LTV at [redacted]. Lender exception form and the email approval is missing. | Reviewer Comment (2026-09-01): Bid tape updated. Exception cleared. Buyer Comment (2026-08-28): please clear, the bid tape has been updated Reviewer Comment (2026-08-17): No changes noted on Bid tape data. Bid tape field value for DSCR is [redacted]which is not matching with calculated DSCR of [redacted]. Exception remains. Buyer Comment (2026-08-13): please clear, clear, the bid tape has been updated, dscr is [redacted]. Reviewer Comment (2026-08-11): The exception will be re-reviewed once the bid tape is uploaded. Buyer Comment (2026-08-11): please clear, the bid tape has been updated Buyer Comment (2026-08-07): please clear, the bid tape has been updated Reviewer Comment (2026-08-04): Lender exception is not required. The issue here the DSCR calculated by DD matches the lenders. The issue is the Bid tape provided does not match. Buyer Comment (2026-07-31): the exception aprvl provided should be sufficient to clear this Reviewer Comment (2026-07-29): Subject is a mixed use property, DSCR minimum is [redacted] Buyer Comment (2026-07-29): exception aprvl upld |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225930082 | [Redacted] | [Redacted] | 37017137 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy Program)? reflects neither Yes nor No. Unable to determine eligibility without this information. | - | 1003 is not provided for borrower. | Reviewer Comment (2026-08-20): Borrower is applying for individual credit. No other borrower on the file. Note is executed by both trustee and borrower. Trustee document is not required on the file. Buyer Comment (2026-08-18): The attached 1003 is for the borrower on the file. [redacted] is not a borrower on the loan. So there is no 1003 for her. Please clear condition. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225930082 | [Redacted] | [Redacted] | 37017228 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-08-26): Received Final Title Policy is verified and associated, exception cleared. |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 225930082 | [Redacted] | [Redacted] | 37017255 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | 1003 was not provided for trustee borrower. | Reviewer Comment (2026-08-20): Borrower is applying for individual credit. No other borrower on the file. Note is executed by both trustee and borrower. Trustee document is not required on the file. Buyer Comment (2026-08-18): The birthday for the non borrower spouse is not required. Please clear condition. |
08/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 225930082 | [Redacted] | [Redacted] | 37017471 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Subject appears to be a double closing. Seller on subject HUD-1 ([redacted]) and Deed [redacted] is not the vested owner on title ([redacted]). Please provide the signed HUD-1 and Deed from the first part of the double closing. | Reviewer Comment (2026-08-26): Received Final Title Policy is verified and associated, exception cleared. Buyer Comment (2026-08-24): Please see attached. Reviewer Comment (2026-08-20): Please provide the final title policy with corrected vesting details. Buyer Comment (2026-08-18): Please see attached. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225930097 | [Redacted] | [Redacted] | 37019278 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted]is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted] is under disclosed by [redacted] compared to the calculated Finance Charge of [redacted] which exceeds the [redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated | Reviewer Comment (2026-08-06): [redacted]received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Seller Comment (2026-08-05): cure documents Reviewer Comment (2026-07-31): The inclusion or exclusion of a fee from the finance charge is determined by the purpose of the fee. Regulation Z §[redacted](c)[redacted]specifically provides: "[redacted](c)[redacted] excludes the following fees only. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge." At this time, neither §[redacted] nor the Official Interpretations of the regulation incorporate a third-party test as a condition for excluding a fee from the finance charge. Therefore, [redacted]'s position remains that a cure is required to complete remediation. As a reminder, this is a material exception and requires the rescission period to be re-opened. Additionally, the borrower must receive the revised Right to Cancel (RTC) no fewer than three business days before the expiration of the rescission period. To satisfy the cure requirement, please provide the following: PCCD, LOE, a copy of the refund check, evidence of re-opening the RTC, and proof of delivery to the borrower. Seller Comment (2026-07-30): We earlier had a agreed condition, that the $[redacted]fee was not a lender charge it is the title company charge. this was cleared with a corrective cd in the other condition catagory. now it is back?? The $[redacted]fee is paid to the title company it is not a affiliation or lender required charge. Under reg z [redacted](c) [redacted] the following are excluded : Title fees, settlement fees, notary fees, doc signing fees any fee paid to a third party not required by the lender. DMC did not require any items nor was this a lender charge. The fee should not be calculated in the APR. We did not require the borrower to use this title company and the description shows going to the settlement agent not the lender. I uploaded the corrective CD as these should have been in the c section here it is again. Reviewer Comment (2026-07-28): The finance charge is under disclosed in the amount of $[redacted]. Remediation requires PCCD, LOE, Copy of refund check, re-opening of RTC and proof to delivery to cure. The self-corrective cure provisions specifically require the lender assure the consumer does not pay an amount that exceeds the charge actually disclosed. To accomplish this, a refund of the amount that was under-disclosed is required. Note: The correction does not reference bringing the amount that the loan was under-disclosed to an amount within the permissible tolerance to be considered accurate. If the lender only refunds the delta between the under-disclosure and the permissible tolerance, it would not be deemed to be a remediation in accordance with [redacted](b) and therefore by not refunding the entire amount the exception will remain as an EV3-C. This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Seller Comment (2026-07-27): Can you please explain what is being denied. The revised POST CD was a correction only to page[redacted] where the will not have an escrow account beacause (we did not have you declined it marked) the post cd was to correct that with the lox to the borrower. Nothing else changed the APR is accurate no changes were made. It is unclear why the trid final closing disclosure finance charge test still exist. This was not a lender charge it was a title company charge. Reviewer Comment (2026-07-22): [redacted]received [redacted] PCCD. However, this does not address the underdisclosure of the Finance Charge of $[redacted]on the Final CD. It appears that the Title-Doc Signing Fee of $[redacted]may not have been included in lender's calculations. Cure would be Corrected CD, LOE to borrower, copy of cure refund for $[redacted]for the total underdisclosure, proof of mailing and proof of reopening of rescission to all consumers as this is a material disclosure violation on a rescindable transaction. Seller Comment (2026-07-21): PCCD |
08/06/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225930097 | [Redacted] | [Redacted] | 37019279 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | 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 (2026-07-24): [redacted]received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2026-07-23): here is the lox and cd Reviewer Comment (2026-07-22): [redacted]received Post CD. However, we would also require LOX to the borrower in order to cure the exception. Seller Comment (2026-07-21): PCCD |
07/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225930097 | [Redacted] | [Redacted] | 37019280 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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] 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 (2026-07-28): [redacted]received Letter of explanation and Corrected Closing disclosure. Seller Comment (2026-07-27): Attached is the corrections thank you Reviewer Comment (2026-07-24): [redacted]received rebuttal.Title fees were disclosed in Section B which are tested at [redacted]% tolerance. Provider listed on [redacted]. Fees on CD were paid to Service link Title. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure. Seller Comment (2026-07-23): The $[redacted]lender credit was provided at closing and is reflected on the final closing disclosure. Can you provide the line item breakdown comprising the $[redacted]points and fees calculation and identify which charges remain counted towards the threshold after appication of the lender credit. We would like to reconcile your calculation to the closing figures used at funding. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | |||||||||
| 225930098 | [Redacted] | [Redacted] | 37018600 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-13): Received [redacted]valuation. Condition cleared. Reviewer Comment (2026-08-10): Exception remains. Please provide [redacted]Valuation one provided was complete from the same Appraiser and appears to be a duplicate Seller Comment (2026-08-07): Revised Appraisal attached. |
08/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | VT | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 225930115 | [Redacted] | [Redacted] | 37029529 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Final title policy was not found in file. | Reviewer Comment (2026-08-03): Received Final Title Policy is verified and associated. Exception cleared. Buyer Comment (2026-07-31): final policy upld Reviewer Comment (2026-07-30): Title policy was not provided. Exception remains. Buyer Comment (2026-07-28): final policy upld |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225930115 | [Redacted] | [Redacted] | 37029542 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Borrower and Co-Borrowers are Non-Permanent Resident Aliens; the file does not have any supporting documents. | Reviewer Comment (2026-07-30): Received ITIN letter, CPA letter confirms personal tax returns have been filed, all other requirements met. Buyer Comment (2026-07-28): itin docs upld |
07/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930115 | [Redacted] | [Redacted] | 37029547 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Co-Borrower qualified with the bank statement income account ending #[redacted]; the bank statement is missing for February [redacted]. | Reviewer Comment (2026-07-30): Bank Statement received. Buyer Comment (2026-07-28): [redacted] statement upld |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930115 | [Redacted] | [Redacted] | 37029548 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-30): Econsent received. Buyer Comment (2026-07-28): proof econsent accepted upld |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225930115 | [Redacted] | [Redacted] | 37029553 | 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 Co-Borrower qualified with the bank statement income account ending #[redacted]; the bank statement is missing for February [redacted]. | Reviewer Comment (2026-07-30): Bank Statement received. Buyer Comment (2026-07-28): [redacted] statement upld to trl docs |
07/30/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225930115 | [Redacted] | [Redacted] | 37029555 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require Less than [redacted] Months | Ability to Repay (Dodd-Frank 2014): Guidelines require less than [redacted] consecutive months bank statements. | Reviewer Comment (2026-07-30): Bank Statement received. Buyer Comment (2026-07-28): [redacted] statement upld to trl docs |
07/30/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225930115 | [Redacted] | [Redacted] | 37029556 | 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 Co-Borrower qualified with the bank statement income account ending #[redacted]; the bank statement is missing for February [redacted]. | Reviewer Comment (2026-07-30): Bank Statement received. Buyer Comment (2026-07-28): [redacted] statement upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930115 | [Redacted] | [Redacted] | 37029557 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | [redacted] Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | Reviewer Comment (2026-08-03): Received Borrower's Interest Worksheet is verified and associated. Exception cleared. Buyer Comment (2026-07-31): disclosure upld Reviewer Comment (2026-07-30): This exception is for [redacted]Borrower's Interest Worksheet which is missing, exception remains. Buyer Comment (2026-07-28): please cancel, [redacted]does not allow the NTB disclosure to be generated or sent to borrower |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225930115 | [Redacted] | [Redacted] | 37029558 | 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] ([redacted]) business days prior to closing. | Initial Closing Disclosure is missing. | Reviewer Comment (2026-07-29): [redacted]received initial CD. Buyer Comment (2026-07-28): initial cd upld |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225930115 | [Redacted] | [Redacted] | 37029559 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-20): Sufficient Cure Provided At Closing |
07/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225930115 | [Redacted] | [Redacted] | 37029561 | 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 Co-Borrower qualified with the bank statement income account ending #[redacted]; the bank statement is missing for February [redacted]. | Reviewer Comment (2026-07-30): Bank Statement received. Buyer Comment (2026-07-28): [redacted] statement upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225930115 | [Redacted] | [Redacted] | 37029562 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Co-Borrower qualified with the bank statement income account ending #[redacted] ; the bank statement is missing for February [redacted]. | Reviewer Comment (2026-07-30): Bank Statement received. Buyer Comment (2026-07-28): [redacted] statement upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225930115 | [Redacted] | [Redacted] | 37029564 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Borrower and Co-Borrowers are Non-Permanent Resident Aliens; the file does not have any supporting documents. | Reviewer Comment (2026-07-30): Received ITIN letter, CPA letter confirms personal tax returns have been filed, all other requirements met. Buyer Comment (2026-07-28): itin docs upld to trl docs. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225930115 | [Redacted] | [Redacted] | 37029565 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Co-Borrower qualified with the bank statement income account ending #[redacted] ; the bank statement is missing for [redacted] | Reviewer Comment (2026-07-30): Bank Statement received. Buyer Comment (2026-07-28): [redacted] statement upld to trl docs |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225937095 | [Redacted] | [Redacted] | 37018858 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment was not found in file. | Reviewer Comment (2026-08-11): Note Addendum - Prepayment, cleared Buyer Comment (2026-08-11): addendum |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| 225937434 | [Redacted] | [Redacted] | 37019499 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception was approved at origination for landlord history. Exception approval was not found in file. Lender exception approved to allow borrowers not having landlord history because they do not own a primary |
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. The qualifying DSCR on the loan is greater than the guideline minimum. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] The DSCR of [redacted] is greater than the minimum required DSCR of [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC,Aggregator |
Reviewer Comment (2026-08-05): Client elects to waive with compensating factors. Buyer Comment (2026-08-03): Please see attached Exception |
08/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 225944483 | [Redacted] | [Redacted] | 37017762 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Variance in DTI due to primary property rental expenses. | Reviewer Comment (2026-08-12): Bid Tape field value was corrected and updated to align with the most recent 1008 provided in the loan file. Exception cleared. Buyer Comment (2026-08-11): bid tape has been updated. Reviewer Comment (2026-08-03): An updated Bid tape for the DSCR is required. Exception remains. Buyer Comment (2026-07-30): 1008 Reviewer Comment (2026-07-30): As per final 1003 borrower primary property rent is $[redacted]and as per 1008 is $[redacted]. Please provide updated 1008 with corrected primary rent and DTI. Exception Remains. Buyer Comment (2026-07-28): Please clarify where the discrepancy is? |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225954374 | [Redacted] | [Redacted] | 37017545 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Sufficient cure for this violation provided at close | Reviewer Comment (2026-07-20): Cured at closing or within [redacted]days of consummation prior to TPR review |
07/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OH | 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 | |||||||||
| 225954374 | [Redacted] | [Redacted] | 37017546 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | The Survey fee was added with the final [redacted] without a valid Change in Circumstance. Insufficient total cure provided at close. Additional [redacted]required | Reviewer Comment (2026-08-25): [redacted]received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-08-24): Page [redacted] is the survey attestation. [redacted]didn't require a survey Reviewer Comment (2026-08-21): [redacted]received Post CD and LOX.However,we are unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-08-20): PCCD Reviewer Comment (2026-08-20): [redacted]Received Corrected PCCD and LOE stating survey fee moved to section H; however, fee still reflecting under section C. Provide Corrected PCCD moving fee to section H. Buyer Comment (2026-08-19): survey attestation Reviewer Comment (2026-08-05): be moved to Section H. However, the fee still appears in Section C and was not moved to Section H on the PCCD. Please provide a corrected CD along with supporting documentation explaining why the fee was moved from one section to another. If the service was optional (chosen by the borrower and not required by the lender or title company) and the survey was obtained independently by the borrower, please provide an attestation letter confirming the same in order to clear this exception. Buyer Comment (2026-08-03): PCCD |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | 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 | |||||||||
| 225954374 | [Redacted] | [Redacted] | 37343906 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-08-25): Sufficient Cure Provided At Closing |
08/25/2026 | No | 1 | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225954753 | [Redacted] | [Redacted] | 37023538 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-08-06): Received E-Sign Consent. Exception cleared. Buyer Comment (2026-08-05): econsent accepted same day initial docs were signed |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| 225954753 | [Redacted] | [Redacted] | 37023588 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-19): Document received. Buyer Comment (2026-08-17): CDA |
08/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 225954753 | [Redacted] | [Redacted] | 37023854 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy missing in file. | Reviewer Comment (2026-08-19): Document received. Buyer Comment (2026-08-17): old policy Reviewer Comment (2026-08-07): Provided Hazard insurance policy effective date is after the note date/Disbursement date and required same within note date, Exception Remains Buyer Comment (2026-08-06): Dec page |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Rate/Term | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 225956125 | [Redacted] | [Redacted] | 37024858 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested an exception which was approved for minimum loan amount below $[redacted]. Missing request and approval docs with comp factors. Received lender exception, approval and compensating factors for loan amount < that minimum. |
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. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-29): Client elects to waive with compensating factors. Buyer Comment (2026-07-27): exception aprvl upld |
07/29/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 225956125 | [Redacted] | [Redacted] | 37206601 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - DSCR | Reviewer Comment (2026-08-13): Received HOA document, DSCR matches. Exception cleared. Buyer Comment (2026-08-11): HOA Payment stub Buyer Comment (2026-08-11): [redacted]respectfully disagrees with [redacted] HOA calculation of $[redacted]/mo. Attached please find payment voucher confirming $[redacted]/mo. True PITIA: [redacted] $[redacted] / $[redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| 225956208 | [Redacted] | [Redacted] | 37029681 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Recording fee was last disclosed as [redacted]on Loan Estimate but disclosed as [redacted]on Final Closing Disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-08-05): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-04): pccd docs upld Reviewer Comment (2026-07-30): [redacted]Yes, agree with CURE $[redacted]. Provide corrected PCCD, LOE and Refund Check. Buyer Comment (2026-07-29): the increase on [redacted] appears to be a clerical, please confirm you agree with the cure of $[redacted]and we will proceed with the pccd and check to the borrower Reviewer Comment (2026-07-29): [redacted]received CD and COC dated [redacted] but the reason mentioned is not valid .Kindly provide additional information for the recording fee increased 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. Buyer Comment (2026-07-28): [redacted]coc, cd and tracking, upld, the recording fee was re-disclosed as $[redacted] , final amount charged to bwr is $[redacted] |
08/05/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MI | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225956208 | [Redacted] | [Redacted] | 37029682 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 not disclosed on Loan Estimate but disclosed as [redacted]on Final Closing Disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-07-30): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-07-29): $[redacted]for the aprsl re-inspection fee was cured at closing, please cancel this condition. Reviewer Comment (2026-07-29): [redacted]received COC dated [redacted] which states settlement charge which is not a valid reason for the Appraisal re-inspection fee charged on $[redacted]. Also, the Appraisal present in the file is dated [redacted] whereas the fee charged on [redacted] which is not within three business days. Buyer Comment (2026-07-28): please cancel, this was cured at closing on the final cd section j |
07/30/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | MI | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225956302 | [Redacted] | [Redacted] | 37030246 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-08-25): [redacted]received PCCD, LOE, proof of mailing & copy of refund check Buyer Comment (2026-08-21): please see attached lox, pccd & check |
08/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | 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 | |||||||||
| 225956302 | [Redacted] | [Redacted] | 37030247 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of [redacted]exceeds tolerance of [redacted]. [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | HOA/Condo Questionnaire was last disclosed as [redacted]on Loan Estimate but disclosed as [redacted]on Final Closing Disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-08-25): [redacted]received PCCD, LOE, proof of mailing & copy of refund check Buyer Comment (2026-08-21): please see attached lox, pccd & check Reviewer Comment (2026-08-10): [redacted]received rebuttal and invoice, however received invoice is not valid reason for increase. Please provide valid COC with sufficient information why fee increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-06): please see attached screen shot showing condo questionnaire invoice received on [redacted], thus added to the[redacted]LE. there is no way to know the exact cost for this fee until the invoice is received. |
08/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | 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 | |||||||||
| 225956346 | [Redacted] | [Redacted] | 37030347 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | 1007 Rent Comparison Schedule not provided for subject property. | Reviewer Comment (2026-08-07): Income not used to qualify hence 1007 not required. Exception cleared.. Buyer Comment (2026-08-05): A Form 1007 Rent Comparison Schedule is not required for this transaction, as rental income from the subject property was not used to qualify the borrower. The borrower's qualifying income was derived from other eligible income sources; therefore, the 1007 is not applicable and should not be required for this loan. |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225956346 | [Redacted] | [Redacted] | 37030363 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Variance in DTI due to subject property rental income considered as per 1008 and Comparable Rent Schedule not provided. | Reviewer Comment (2026-08-12): Bid Tape data has been updated. Exception Cleared. Buyer Comment (2026-08-10): Please review data compare. We now match. Please clear condition. Reviewer Comment (2026-08-07): Required updated Bid tape DTI to clear this condition. Exception remains. Buyer Comment (2026-08-05): Please see attached. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225956383 | [Redacted] | [Redacted] | 37029899 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test 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] 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] | Buyer Comment (2026-07-29): ok to waive |
07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| 225956383 | [Redacted] | [Redacted] | 37029901 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-21): Sufficient Cure Provided At Closing |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225956632 | [Redacted] | [Redacted] | 37030170 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Audit DTI [redacted], Lender DTI is [redacted]. Discrepancy is due to the bid tape value not matching Lender 1008 or final 1003 in file regarding income and debts. | Reviewer Comment (2026-08-04): Data entry has-been corrected now DTI within threshold. Exception cleared. Buyer Comment (2026-08-03): our dti calculation of [redacted]% appears to be correct, please advise how you are calculating [redacted]% |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | N/A | Non QM | No | |||||||||||
| 225956632 | [Redacted] | [Redacted] | 37030183 | 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. | Audit DTI [redacted], Lender DTI is [redacted]. Discrepancy is due to the bid tape value not matching Lender 1008 or final 1003 in file regarding income and debts. | Reviewer Comment (2026-08-04): Data entry has-been corrected now DTI within threshold. Exception cleared. Buyer Comment (2026-08-03): our dti calculation of [redacted]% appears to be correct, please advise how you are calculating [redacted]% |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | N/A | Non QM | No | ||||||||||
| 225956632 | [Redacted] | [Redacted] | 37030184 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted]). | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-08-04): Data entry has-been corrected now DTI within threshold. Exception cleared. Buyer Comment (2026-08-03): our dti calculation of [redacted]% appears to be correct, please advise how you are calculating [redacted]% |
08/04/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OR | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | N/A | Non QM | No | ||||||||||
| 225956632 | [Redacted] | [Redacted] | 37034224 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved as per 1008 due to missing note for note receivable income; all other documentation provided. Lender exception document was not found in the file. Lender exception approved for missing a copy of the note for the note receivable income. |
Borrower has owned the subject property for at least [redacted] years. Borrower has verified disposable income of at least [redacted] Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. The representative FICO score exceeds the guideline minimum by at least [redacted] points. |
Borrower has owned the subject property for at least [redacted] years. Documentation Type: Retirement Income - Fully Verified Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-05): Client elects to waive with compensating factors. Buyer Comment (2026-08-03): exception aprvl upld |
08/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OR | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | N/A | Non QM | No | ||||||||
| 225956632 | [Redacted] | [Redacted] | 37034395 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Closing Disclosure was not found in the file for simultaneous closing with[redacted]property. | Reviewer Comment (2026-08-04): The closing disclosure received to verify the P&I amount. Exception cleared, Buyer Comment (2026-08-03): [redacted] cd upld |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Investment | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | N/A | Non QM | No | ||||||||||
| 225956639 | [Redacted] | [Redacted] | 37030305 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement was not provided for property located at [redacted]. | Reviewer Comment (2026-08-21): P&I amount not provided, therefore, [redacted]% of the loan amount was used per guidelines. Exception cleared. Buyer Comment (2026-08-19): You are calculating by [redacted]% not .[redacted]%. $[redacted]/ .[redacted]% (.[redacted]) = $[redacted]. Reviewer Comment (2026-08-18): Reviewed lenders rebuttal of use of [redacted] % of the balance for the payment, however that would be $[redacted]which would not meet lender guidelines for DTI. Buyer Comment (2026-08-14): There is no monthly payment. We used .[redacted]% of the loan amount for the monthly payment per the guidelines Reviewer Comment (2026-08-07): Document present in file not reflecting P&I. Required supporting document to verify P&I. Exception remains. Buyer Comment (2026-08-06): [redacted] is the terms of that bridge loan |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225956639 | [Redacted] | [Redacted] | 37035000 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Missing REO documents. | Reviewer Comment (2026-08-21): P&I amount not provided, therefore, [redacted]% of the loan amount was used per guidelines. Exception cleared. Buyer Comment (2026-08-19): You are calculating by [redacted]% not .[redacted]%. $[redacted]/ .[redacted]% (.[redacted]) = $[redacted]. Reviewer Comment (2026-08-18): Reviewed lenders rebuttal of use of [redacted]% of the balance for the payment, however that would be $[redacted]which would not meet lender guidelines for DTI. Buyer Comment (2026-08-14): There is no monthly payment. We used .[redacted] % of the loan amount for the monthly payment per the guidelines Reviewer Comment (2026-08-07): Document present in file not reflecting P&I. Required supporting document to verify P&I. Exception remains. Buyer Comment (2026-08-06): [redacted] is the missing mortgage terms |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225956644 | [Redacted] | [Redacted] | 37030107 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | $[redacted] transferred from account #[redacted]to account #[redacted]on [redacted]. June bank statement is missing for account #[redacted]. | Reviewer Comment (2026-09-03): [redacted]statement provided Doc # [redacted] Reviewer Comment (2026-09-03): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[redacted]is less than Cash From Borrower $[redacted]. Buyer Comment (2026-09-02): Please see attached Reviewer Comment (2026-08-19): Bank statements through[redacted]are required for the account ending in [redacted], as the ending balance differs and is needed to verify that the [redacted] reserve requirement to meet. The bank statement provided is current as of [redacted], which is after the note date of [redacted] and therefore cannot be used for reserve verification at closing. Exception remains. Buyer Comment (2026-08-18): The document is the most recent bank statements that were generated by our blend system. This is sufficent to clear. I have updated as well. Reviewer Comment (2026-08-12): Please provide [redacted]bank statement for account #[redacted], Exception remains. Buyer Comment (2026-08-11): Please see attached |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225956644 | [Redacted] | [Redacted] | 37030113 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | $[redacted] transferred from account #[redacted]to account #[redacted]on [redacted]. [redacted] bank statement is missing for account #[redacted]. | Reviewer Comment (2026-09-03): [redacted]statement provided Doc # [redacted] Buyer Comment (2026-09-02): Waterfall Reviewer Comment (2026-08-19): Bank statements through[redacted]are required for the account ending in [redacted], as the ending balance differs and is needed to verify that the [redacted] reserve requirement to meet. The bank statement provided is current as of [redacted], which is after the note date of [redacted] and therefore cannot be used for reserve verification at closing. Exception remains. Buyer Comment (2026-08-18): Waterfall |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225956644 | [Redacted] | [Redacted] | 37030114 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | [redacted]transferred from account #[redacted]to account #[redacted]on [redacted]. June bank statement is missing for account #[redacted]. | Reviewer Comment (2026-09-03): [redacted]statement provided Doc # [redacted] Buyer Comment (2026-09-02): Waterfall Reviewer Comment (2026-08-19): Bank statements through[redacted]are required for the account ending in [redacted], as the ending balance differs and is needed to verify that the [redacted] reserve requirement to meet. The bank statement provided is current as of [redacted], which is after the note date of [redacted] and therefore cannot be used for reserve verification at closing. Exception remains. Buyer Comment (2026-08-18): Waterfall |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225956644 | [Redacted] | [Redacted] | 37030117 | 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 [redacted] transferred from account #[redacted]to account #[redacted]on [redacted]. June bank statement is missing for account #[redacted]. | Reviewer Comment (2026-09-03): [redacted]statement provided Doc # [redacted] Buyer Comment (2026-09-02): Waterfall Reviewer Comment (2026-08-19): Bank statements through[redacted]are required for the account ending in [redacted], as the ending balance differs and is needed to verify that the [redacted] reserve requirement to meet. The bank statement provided is current as of [redacted], which is after the note date of [redacted] and therefore cannot be used for reserve verification at closing. Exception remains. Buyer Comment (2026-08-18): Waterfall |
09/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225956644 | [Redacted] | [Redacted] | 37030118 | 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.) | [redacted]transferred from account #[redacted]to account #[redacted]on[redacted]. June bank statement is missing for account #[redacted]. | Reviewer Comment (2026-09-03): [redacted]statement provided Doc # [redacted] Buyer Comment (2026-09-02): Waterfall Reviewer Comment (2026-08-19): Bank statements through[redacted]are required for the account ending in [redacted], as the ending balance differs and is needed to verify that the [redacted] reserve requirement to meet. The bank statement provided is current as of [redacted], which is after the note date of [redacted] and therefore cannot be used for reserve verification at closing. Exception remains. Buyer Comment (2026-08-18): Waterfall |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225956644 | [Redacted] | [Redacted] | 37030121 | 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. | [redacted]transferred from account #[redacted]to account #[redacted]on [redacted]. June bank statement is missing for account #[redacted]. | Reviewer Comment (2026-09-03): [redacted]statement provided Doc # [redacted] Buyer Comment (2026-09-02): Waterfall Reviewer Comment (2026-08-19): Bank statements through[redacted]are required for the account ending in [redacted], as the ending balance differs and is needed to verify that the [redacted] reserve requirement to meet. The bank statement provided is current as of [redacted], which is after the note date of [redacted] and therefore cannot be used for reserve verification at closing. Exception remains. Buyer Comment (2026-08-18): Waterfall |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225957587 | [Redacted] | [Redacted] | 37031919 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of access to funds is missing for this bank statement. | Reviewer Comment (2026-08-27): Evidence of access to funds provided, exception cleared. Buyer Comment (2026-08-26): Please see the business documentation for [redacted]Records confirming that the borrower is the sole owner of the business and therefore has access to the bank accounts. Reviewer Comment (2026-08-18): The evidence letter received is post note date. An access letter from the third-party verification provider is required. Exception Remains. Buyer Comment (2026-08-17): access letter |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225958691 | [Redacted] | [Redacted] | 37033521 | 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): Business Purpose Certificate - cleared Buyer Comment (2026-07-24): Business Purpose |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225959506 | [Redacted] | [Redacted] | 37034565 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender has requested an exception, which was approved, because the borrower is a non-permanent resident alien with an EAD category of [redacted]. Per the guidelines, section [redacted] is not [redacted] of the eligible categories and will be considered on an exception basis only. Comp factors FICO [redacted] points or more, LTV [redacted] more, long term home ownership [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. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted] Borrower's Own Funds Amount: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-21): Client elects to downgrade and waive. |
07/21/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||
| 225960426 | [Redacted] | [Redacted] | 37036921 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE not provided in file. | Reviewer Comment (2026-08-28): Received third party verification. Condition cleared. Buyer Comment (2026-08-28): The client is self employed. The business entity serach is the only thing that will suffice with this type of income. Please clear condition. Reviewer Comment (2026-08-19): Provided documentation confirms that [redacted] is an active business; however, as the borrower is employed by the company as a wage earner, documentation is required to verify that the borrower's employment with [redacted] is currently active and requires a W-2 Transcript to support the figures listed on the VOI income. Exception remains. Buyer Comment (2026-08-18): The client is self employed. The business entity search is the only thing that will suffice with this type of income. Please clear condition. Reviewer Comment (2026-08-13): Please provide VOE which shows borrower employment status and start date of employment, Exception remains. Buyer Comment (2026-08-12): The business search was completed on [redacted] which is sufficent to complete the closing VVOE. Please clear condition. |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225960426 | [Redacted] | [Redacted] | 37036996 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | Verbal verification of Employment was not provided. | Reviewer Comment (2026-08-28): Received third party verification. Condition cleared. Buyer Comment (2026-08-28): Waterfall Reviewer Comment (2026-08-19): Provided documentation confirms that [redacted] is an active business; however, as the borrower is employed by the company as a wage earner, documentation is required to verify that the borrower's employment with [redacted] is currently active and requires a W-2 Transcript to support the figures listed on the VOI income. Exception remains. Buyer Comment (2026-08-18): Waterfall Reviewer Comment (2026-08-13): Please provide VOE which shows borrower employment status and start date of employment, Exception remains. Buyer Comment (2026-08-12): Waterfall |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225960426 | [Redacted] | [Redacted] | 37037052 | 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 effect due to the absence of the Verification of Employment (VOE) document. | Reviewer Comment (2026-08-28): Received third party verification. Condition cleared. Buyer Comment (2026-08-28): Waterfall Reviewer Comment (2026-08-19): Provided documentation confirms that [redacted] is an active business; however, as the borrower is employed by the company as a wage earner, documentation is required to verify that the borrower's employment with [redacted] is currently active and requires a W-2 Transcript to support the figures listed on the VOI income. Exception remains. Buyer Comment (2026-08-18): Waterfall Reviewer Comment (2026-08-13): Please provide VOE which shows borrower employment status and start date of employment, Exception remains. Buyer Comment (2026-08-12): Waterfall |
08/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225960426 | [Redacted] | [Redacted] | 37037053 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall effect due to the absence of the Verification of Employment (VOE) document. | Reviewer Comment (2026-08-28): Received third party verification. Condition cleared. Buyer Comment (2026-08-28): Waterfall Reviewer Comment (2026-08-19): Provided documentation confirms that [redacted] is an active business; however, as the borrower is employed by the company as a wage earner, documentation is required to verify that the borrower's employment with [redacted] is currently active and requires a W-2 Transcript to support the figures listed on the VOI income. Exception remains. Buyer Comment (2026-08-18): Waterfall Reviewer Comment (2026-08-13): Please provide VOE which shows borrower employment status and start date of employment, Exception remains. Buyer Comment (2026-08-12): Waterfall |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225960426 | [Redacted] | [Redacted] | 37037054 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit report fee amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-21): Sufficient Cure Provided At Closing |
07/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225960426 | [Redacted] | [Redacted] | 37037303 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verbal verification of employment not provided in file. | Reviewer Comment (2026-08-28): Received third party verification. Condition cleared. Buyer Comment (2026-08-28): Waterfall Reviewer Comment (2026-08-19): Provided documentation confirms that [redacted] is an active business; however, as the borrower is employed by the company as a wage earner, documentation is required to verify that the borrower's employment with [redacted] is currently active and requires a W-2 Transcript to support the figures listed on the VOI income. Exception remains. Buyer Comment (2026-08-18): Waterfall Reviewer Comment (2026-08-13): Please provide VOE which shows borrower employment status and start date of employment, Exception remains. Buyer Comment (2026-08-12): Waterfall |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225960426 | [Redacted] | [Redacted] | 37037315 | 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 [redacted] 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 effect due to the absence of the Verification of Employment (VOE) document. | Reviewer Comment (2026-08-28): Received third party verification. Condition cleared. Buyer Comment (2026-08-28): Waterfall Reviewer Comment (2026-08-19): Provided documentation confirms that [redacted] is an active business; however, as the borrower is employed by the company as a wage earner, documentation is required to verify that the borrower's employment with [redacted] is currently active and requires a W-2 Transcript to support the figures listed on the VOI income. Exception remains. Buyer Comment (2026-08-18): Waterfall Reviewer Comment (2026-08-13): Please provide VOE which shows borrower employment status and start date of employment, Exception remains. Buyer Comment (2026-08-12): Waterfall |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225961127 | [Redacted] | [Redacted] | 37044931 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID:[redacted] | Note Date: ___; Lien Position: ___ | [redacted] desk review shows property value at [redacted] versus appraised value of [redacted]. | Reviewer Comment (2026-08-24): [redacted]Appraisal provided supporting value Buyer Comment (2026-08-20): Please review field review which supports the value. Please clear condition. |
08/24/2026 | No | 1 | A | A | A | A | A | A | A | A | B | A | OR | Primary | Purchase | C | A | C | A | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225961127 | [Redacted] | [Redacted] | 37044950 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing [redacted]-month statements for Account #[redacted]. | Reviewer Comment (2026-09-01): Cleared. Received bank statements. Buyer Comment (2026-08-31): Please see attached. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225961127 | [Redacted] | [Redacted] | 37044956 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy document is not provided. | Reviewer Comment (2026-09-01): Cleared. Received Hazard Insurance Policy. Buyer Comment (2026-08-31): Please see attached. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | B | A | Non QM | Non QM | No | |||||||||||
| 225961127 | [Redacted] | [Redacted] | 37044957 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Missing [redacted]-month statements for Account #[redacted]. | Reviewer Comment (2026-09-01): Cleared. Received bank statements. Buyer Comment (2026-08-31): Waterfall |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | B | A | Non QM | Non QM | No | |||||||||||
| 225961127 | [Redacted] | [Redacted] | 37044959 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Account Statements are missing for Account #[redacted]from [redacted] | Reviewer Comment (2026-09-01): Cleared. Received statements. Buyer Comment (2026-08-31): Please see attached Buyer Comment (2026-08-31): Please see attached. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | B | A | Non QM | Non QM | No | |||||||||||
| 225961127 | [Redacted] | [Redacted] | 37044960 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Account Statements are missing for Account #[redacted]from [redacted] | Reviewer Comment (2026-09-11): Received bank statement for the months of [redacted] for account #[redacted]. Exception cleared. Buyer Comment (2026-09-09): The income for Sunnyside would end [redacted] to complete the [redacted]month history which you do have. Please clear condition. Reviewer Comment (2026-09-01): Please provide statement for Sunnyside Federal Account #[redacted]from [redacted]. Buyer Comment (2026-08-31): Please see attached. This will complete the [redacted]month history |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | B | A | Non QM | Non QM | No | |||||||||||
| 225961127 | [Redacted] | [Redacted] | 37044978 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing [redacted]-month statements for Account #[redacted] | Reviewer Comment (2026-09-01): Cleared. Received statements Buyer Comment (2026-08-31): Waterfall |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | B | A | Non QM | Non QM | No | |||||||||||
| 225961127 | [Redacted] | [Redacted] | 37045010 | 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. | ATR risk due to missing income documentation: file is missing account statements for Accounts #[redacted], #[redacted]and #[redacted]. | Reviewer Comment (2026-09-11): Received bank statements for accounts #[redacted], #[redacted]and #[redacted]. Exception cleared. Buyer Comment (2026-09-09): Waterfall Reviewer Comment (2026-09-01): Please provide [redacted] statement for [redacted] Buyer Comment (2026-08-31): Waterfall |
09/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OR | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | B | A | Non QM | Non QM | Yes | |||||||||
| 225961127 | [Redacted] | [Redacted] | 37045011 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR risk due to missing income documentation: file is missing account statements for Accounts #[redacted], #[redacted]and #[redacted]. | Reviewer Comment (2026-09-11): Received bank statements for accounts #[redacted], #[redacted]and #[redacted]. Exception cleared. Buyer Comment (2026-09-09): Please see attached. Reviewer Comment (2026-09-01): Please provide [redacted] statement for [redacted]#[redacted]. Buyer Comment (2026-08-31): Waterfall |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225961127 | [Redacted] | [Redacted] | 37045017 | 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 [redacted] 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.) | ATR risk due to missing income documentation: file is missing account statements for Accounts #[redacted] | Reviewer Comment (2026-09-01): Cleared. Received bank statements. Buyer Comment (2026-08-31): Waterfall |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | C | A | B | A | Non QM | Non QM | No | ||||||||||
| 225961127 | [Redacted] | [Redacted] | 37045019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of [redacted]exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee of [redacted]was not disclosed on LE or initial Closing Disclosure. No valid change in circumstance or cure provided. | Reviewer Comment (2026-09-02): [redacted]received rebuttal comment and as per rate lock dated [redacted] Buyer Comment (2026-08-31): The $[redacted]extension fee was properly disclosed following a valid Change of Circumstance (COC) completed on[redacted], at the time the extension fee was added to the transaction. The COC was completed within the required timeframe and the fee was disclosed accordingly. Therefore, the $[redacted]extension fee was not an undisclosed or improperly charged fee subject to a zero-dollar tolerance. The applicable disclosure requirements were satisfied when the COC was completed and the fee was added. Based on the timely COC and corresponding disclosure of the extension fee, the $[redacted]amount should not be considered a tolerance violation requiring a cure. Please review the [redacted] COC and associated disclosure and clear this condition. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | 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 | B | A | Non QM | Non QM | Yes | |||||||||
| 225961130 | [Redacted] | [Redacted] | 37038845 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Secondary Valuation is missing in the loan file. | Reviewer Comment (2026-08-04): UCDP with acceptable risk score received, exception cleared Buyer Comment (2026-08-03): ucdp confirming cu score is under [redacted]upld, cda not required. |
08/04/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MD | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225961130 | [Redacted] | [Redacted] | 37038848 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-08-11): Received final title policy. Exception cleared. |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225961130 | [Redacted] | [Redacted] | 37038849 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | Reviewer Comment (2026-08-03): Hazard Insurance Policy, cleared Buyer Comment (2026-08-03): hoi & rce upld |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225961130 | [Redacted] | [Redacted] | 37038856 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted] | DSCR used Market Rent [redacted] | Reviewer Comment (2026-08-04): Updated Investor Worksheet showing DSCR calculated at [redacted], cleared Buyer Comment (2026-08-03): revised dscr worksheet upld |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225961130 | [Redacted] | [Redacted] | 37040516 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part 1 items [redacted] and [redacted] reflects mortgages with outstanding balances in the amount of [redacted]and [redacted]. Seller's HUD 1 does not reflect payoff of mortgage liens. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-08-11): Received final title policy. Exception cleared. Buyer Comment (2026-08-10): final title policy upld |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225961888 | [Redacted] | [Redacted] | 37039126 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee Amount of [redacted]exceeds tolerance of [redacted]. [redacted]over legal limit. Change of Circumstance provided in file is dated [redacted] business days prior to Closing Disclosure and as a result is invalid. | Reviewer Comment (2026-09-01): [redacted]Received Valid COC dated [redacted] along with LE dated [redacted]. Buyer Comment (2026-08-28): Please see the [redacted]COC as requested Reviewer Comment (2026-08-28): [redacted]: The CD dated [redacted] that was provided in the trailing images was also provided in the original loan package. But there is no COC present in the loan file 3 business days prior to the [redacted] CD. Provide valid COC for CD dated [redacted] or provide any missing LE/CD within that COC dated[redacted]. Otherwise, Cure is required to borrower. Buyer Comment (2026-08-27): Please see the CD abd COC from [redacted] to show the valid change. Please clear condition. Reviewer Comment (2026-08-10): [redacted] received rate lock document. However, this does not sufficiently explain the reason for the fee increase. Additionally, a valid COC dated [redacted] was present in the loa file, but there is no LE/CD dated within that time frame. Please provide any missing LE/CD to associate with the changed circumstance or provide a changed circumstance supporting the CD dated [redacted]. Otherwise, a cure will be required. Buyer Comment (2026-08-07): Please see attached lock agreement which shows the increaed fee. Please clear condition. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | 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 | |||||||||
| 225961888 | [Redacted] | [Redacted] | 37039127 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 Amount of [redacted]exceeds tolerance of [redacted]. [redacted]over legal limit. Change of Circumstance provided in file is dated [redacted] business days prior to Closing Disclosure and as a result is invalid. | Reviewer Comment (2026-09-01): [redacted]Received Valid COC dated [redacted] along with LE dated [redacted]. Buyer Comment (2026-08-28): Please see the [redacted]COC to clear condition. Reviewer Comment (2026-08-10): [redacted]received valid rebuttal comment, however, there seems to be no COC for the same in the loan file in order to associate with CD dated [redacted] and re-baseline this exception. Kindly provide a detailed reason for the property unique, along with any supporting documentation, to substantiate the fee increase and clear the exception. Buyer Comment (2026-08-07): Please see the [redacted] CD which stated Increased Appraisal Fee - Per AMC due to unique property - This is a valid change and was done within enough time. Please clear condition. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | 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 | |||||||||
| 225964343 | [Redacted] | [Redacted] | 37046427 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase agreement not provided in file. | Reviewer Comment (2026-08-03): Received required documentation. Condition cleared. Seller Comment (2026-07-30): Per Title, there was no contract. This was a [redacted] transaction, so our instructions acted as the purchase contract. Reviewer Comment (2026-07-28): Required Purchase Agreement / Sales Contract. Provided document is Sale escrow instructions. Exception remains. Seller Comment (2026-07-27): Please see attached. |
08/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | A | D | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 225964343 | [Redacted] | [Redacted] | 37046436 | 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. | Rate lock document is not provided in file. | Reviewer Comment (2026-07-28): Initial [redacted]rate lock received. Exception cleared. Seller Comment (2026-07-27): Please see attached Lock Form. |
07/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | D | A | D | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 225964350 | [Redacted] | [Redacted] | 37060611 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen Status is not provided. | Reviewer Comment (2026-08-03): Borrower is a [redacted]Citizen, updated final 1003 and LOX provided. Seller Comment (2026-07-31): See the attached LOE for the error and the corrected Final1003 showing US Citizen. Reviewer Comment (2026-07-29): Require Employment authorization/ Passport/ Resident Alien Card/ Visa to verify citizenship status. Exception remains. Seller Comment (2026-07-28): SSV VERIFICATION |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225964408 | [Redacted] | [Redacted] | 37039112 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided | Missing Rider - Condo | Reviewer Comment (2026-07-27): Rider - Condo, cleared Buyer Comment (2026-07-24): Condo Rider |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225965013 | [Redacted] | [Redacted] | 37086261 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-08-11): [redacted] is a negative income-qualified business, therefore, third-party verification is not required. Buyer Comment (2026-08-10): Please see attached. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225965013 | [Redacted] | [Redacted] | 37086323 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | A VVOE for Therapy InMotion dated within [redacted] business days of the note date is not located in the file. | Reviewer Comment (2026-08-11): Received VVOE was obtained within [redacted]business days of the note date for employer "[redacted]. Exception cleared. Buyer Comment (2026-08-10): Waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225965013 | [Redacted] | [Redacted] | 37086403 | 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 (2026-08-11): Received VVOE was obtained within [redacted]business days of the note date for employer "[redacted]". Exception cleared. Buyer Comment (2026-08-10): Waterfall |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225965013 | [Redacted] | [Redacted] | 37086404 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure - [redacted] Cure | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-07-28): Sufficient Cure Provided within [redacted]Days of Closing |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | 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 | Yes | ||||||||||
| 225965013 | [Redacted] | [Redacted] | 37086427 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to Verification of Employment is not within [redacted]business days of the Note date. | Reviewer Comment (2026-08-11): Received VVOE was obtained within [redacted]business days of the note date for employer "[redacted]". Exception cleared. Buyer Comment (2026-08-10): Waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225965013 | [Redacted] | [Redacted] | 37102552 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third party verification for [redacted] City Clothing business is not located in the file. | Reviewer Comment (2026-08-11): [redacted] is a negative income-qualified business, therefore, third-party verification is not required. Buyer Comment (2026-08-10): Borrower is self-employed and reports the subject income on Schedule C. IRS tax transcripts have been provided to verify the reported self-employment income and business activity. As the borrower is self-employed, a traditional employer VOE is not applicable. Please review the provided IRS transcripts as verification of the borrower's self-employment income and clear the condition. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225965013 | [Redacted] | [Redacted] | 37102580 | 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 [redacted] 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.) | Third party verification for [redacted] City Clothing business is not located in the file. | Reviewer Comment (2026-08-11): [redacted] is a negative income-qualified business, therefore, third-party verification is not required. Buyer Comment (2026-08-10): Waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225965869 | [Redacted] | [Redacted] | 37044227 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] 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] 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. | Reviewer Comment (2026-08-07): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-06): pccd docs upld |
08/07/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Second Home | 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 | |||||||||
| 225965870 | [Redacted] | [Redacted] | 37048324 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final Closing statement is not signed. | Reviewer Comment (2026-08-12): Received Closing Statement. Exception Cleared Buyer Comment (2026-08-10): Please see attached. Reviewer Comment (2026-08-07): The Seller's statement was received, the buyer's statement is required Buyer Comment (2026-08-06): Please see attached. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225965870 | [Redacted] | [Redacted] | 37048329 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. Variance is more than [redacted] | Required DSCR worksheet to verify the DSCR discrepancy. Provided worksheet HOA fee does not match with source document. | Reviewer Comment (2026-09-04): DSCR discrepancy is corrected on Bid tape. Exception cleared. Buyer Comment (2026-09-03): *Type-[redacted] in yesterday's message, should say "submission in the next[redacted]hours." Buyer Comment (2026-09-02): [redacted]has adjusted our bid tape to reflect [redacted]. Submission in the next [redacted] [redacted]hours Reviewer Comment (2026-09-01): Received email from lender regarding DSCR discrepancy. Lender and DD is at [redacted], however the bid tape remains at [redacted]. Reviewer Comment (2026-08-12): Received 1008. Required DSCR worksheet to verify the DSCR discrepancy. Exception remains Buyer Comment (2026-08-10): Please see updated 1008 |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225965878 | [Redacted] | [Redacted] | 37047027 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Waterfall due to missing VVOE from Lees Summit School District within [redacted]days of Note Date. | Reviewer Comment (2026-08-10): Co-borrower's income is not used for qualification. Exception cleared. Buyer Comment (2026-08-06): No income from her was used, no need for the vvoe |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225965878 | [Redacted] | [Redacted] | 37047047 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing VVOE from Lees Summit School District within [redacted]days of Note Date. | Reviewer Comment (2026-08-10): Co-borrower's income is not used for qualification. Exception cleared. Buyer Comment (2026-08-06): No income from her was used, no need for the vvoe |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225965878 | [Redacted] | [Redacted] | 37047063 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of [redacted]is under disclosed by [redacted]compared to the calculated Finance Charge of [redacted]which exceeds the [redacted]threshold. Disclosed Amount Financed on page [redacted]is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Final disclosure Finance Charge in the amount of [redacted]is under-disclosed by [redacted]compared to the calculated Finance Charge of [redacted], which exceeds the [redacted]threshold. | Reviewer Comment (2026-09-15): [redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-09-14): PCCD Reviewer Comment (2026-08-21): For due diligence purposes, the fee labeled "Title - Service Charges" cannot be presumed to consist entirely of non-finance-charge items under [redacted] without additional supporting documentation demonstrating that the charge is limited to excludable services such as title examination, title search, abstracting, property survey, or similar qualifying title-related functions. To support exclusion of "Title - Service Charges" from finance charge calculations on [redacted]transactions, one of the following should be included in the loan file: An itemization of the fees and services included within the "Title - Service Charges"; or Written confirmation or attestation from the title company stating that the fee labeled "Title - Service Charges" consists exclusively of charges excludable under [redacted] CFR [redacted] and does not include ancillary services that would be considered finance charges, such as title administration or title processing fees. If the title company confirms that this treatment is applied consistently across all transactions, a single attestation may be relied upon for [redacted]transactions involving that title company, provided the disclosed "Title - Service Charges" are paid to the same entity issuing the attestation. Buyer Comment (2026-08-19): title service charges - owner is the best description we have for that fee, and it has been consistent through the loan process. Reviewer Comment (2026-08-17): PlacementWhile fee naming conventions is outside of scope, for purposes of fee tolerance testing, creditors should ensure that fee names used are substantially consistent across all disclosures and describes the actual service or function representing the cost. The regulations require creditors to label the loan costs using terminology that describes each item clearly and conspicuously and describes the service or administrative function that the charge pays for in a manner that is reasonably understood by consumers [redacted] loan files where fee names/descriptions change from one disclosure to another, to the extent the fee names used are substantially similar in description and function and can be reasonably matched to prior estimates, TPRs will consider these the same fee(s) for tolerance testing purposes. Example: LE discloses $[redacted]"Settlement/Closing Fee" while CD discloses $[redacted]"Title - Escrow Closing Fee"; or LE discloses $[redacted]"Mobile Notary Fee" while CD discloses $[redacted]"Mobile Signing Fee"However, for distinctly different fees or fee descriptions that represent different costs or services or purpose, TPRs will NOT consider these the same fee(s) for tolerance testing purposes. Additional documentation or, if name was incorrectly disclosed on the CD, a revised disclosures to reflect actual name for fees/services provided, will be required to address fee tolerance and other violations resulting from incorrect or inconsistent use of fee names. A verbal explanation or rebuttal comment indicating that certain fees are the same will not be sufficient. Title - Services Fee name is not conclusive to fee purpose to determine exclusion under [redacted](c)(7). Buyer Comment (2026-08-14): $[redacted]fee not in finance charges |
09/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MO | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225965878 | [Redacted] | [Redacted] | 37047064 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted]exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee increased from [redacted]to [redacted], an increase of [redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-09-15): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-14): PCCD submitted |
09/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MO | 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 | |||||||||
| 225965878 | [Redacted] | [Redacted] | 37048147 | 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 missing VVOE from Lees [redacted] within [redacted]days of Note Date. | Reviewer Comment (2026-08-10): Co-borrower's income is not used for qualification. Exception cleared. Buyer Comment (2026-08-06): No income from her was used, no need for the vvoe |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 225965879 | [Redacted] | [Redacted] | 37048482 | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Coverage amount was not provided. | Need Flood Insurance with Coverage on Flood Policy. | Reviewer Comment (2026-09-04): Received updated flood insurance document with the coverage amount. Exception Cleared. Buyer Comment (2026-09-03): Flood |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225965884 | [Redacted] | [Redacted] | 37046073 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number not provided. | Reviewer Comment (2026-07-29): Employer Identification Number - cleared Buyer Comment (2026-07-29): Please see attached. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225965884 | [Redacted] | [Redacted] | 37046146 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by [redacted]. | Reviewer Comment (2026-09-02): Received Replacement Coverage for the Policy to cover Loan amount and there is no shortfall. Exception cleared. Buyer Comment (2026-09-01): Please see attached. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225965885 | [Redacted] | [Redacted] | 37047314 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Lender exception request for [redacted] DTI was not approved. Per disposition, max DTI is [redacted]. | Reviewer Comment (2026-08-11): As per guideline [redacted] days charge account of $[redacted]has been excluded from available assets. Exception cleared. Buyer Comment (2026-08-10): The $[redacted]amex payment can be excluded since it is a open [redacted]days account. I see that you used [redacted]% of the balance, but the guidelines state you can also "Deduct [redacted]day charge accounts from available assets" |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225965885 | [Redacted] | [Redacted] | 37047395 | 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. | ATR risk due to DTI exceeding guideline maximum of [redacted]. Lender exception request for [redacted] DTI was not approved. Per disposition, max DTI is [redacted]. | Reviewer Comment (2026-08-11): As per guideline [redacted] days charge account of $[redacted]has been excluded from available assets. Exception cleared. |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225965885 | [Redacted] | [Redacted] | 37047396 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR risk due to DTI exceeding guideline maximum of [redacted]. Lender exception request for [redacted] DTI was not approved. Per disposition, max DTI is [redacted]. | Reviewer Comment (2026-08-11): As per guideline [redacted] days charge account of $[redacted]has been excluded from available assets. Exception cleared. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225965885 | [Redacted] | [Redacted] | 37047819 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for non-warrantable condo due to critical repairs is approved. Per disposition, max [redacted] LTV, max DTI [redacted], subject to [redacted] per rate sheet.HOA to provided detail on safety measures they will put in place to ensure the safety of unit owners. Unable to downgrade/waive due to excessive DTI | 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 guideline required amount by the equivalent of [redacted] months PITIA or more. 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. |
Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-18): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-18): Sufficient asset provided to exclude [redacted] day account. Buyer Comment (2026-08-14): DTI is under [redacted] |
08/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 225965885 | [Redacted] | [Redacted] | 37047881 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted] moderately exceeds the guideline maximum of [redacted]. (DTI Exception is eligible to be regraded with compensating factors.) | ATR risk due to DTI exceeding guideline maximum of [redacted]. Lender exception request for [redacted] DTI was not approved. Per disposition, max DTI is [redacted]. | Reviewer Comment (2026-08-11): As per guideline [redacted] days charge account of $[redacted]has been excluded from available assets. Exception cleared. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225965885 | [Redacted] | [Redacted] | 37047989 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Lender exception request for [redacted] DTI was not approved. Per disposition, max DTI is [redacted]. | Reviewer Comment (2026-08-11): As per guideline [redacted] days charge account of $[redacted]has been excluded from available assets. Exception cleared. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225965887 | [Redacted] | [Redacted] | 37048818 | 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. | Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-07-27): [redacted]received[redacted] Initial CD, [redacted] business days prior to the consummation. Seller Comment (2026-07-24): initial CD |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225966057 | [Redacted] | [Redacted] | 37048584 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign consent disclosure not provided in file. | Reviewer Comment (2026-08-03): E-sign Consent Agreement missing in file. Exception Cleared. Buyer Comment (2026-07-30): econsent upld |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 225966057 | [Redacted] | [Redacted] | 37048597 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] 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 credits disclosed as [redacted]on initial LE and as [redacted]on final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-24): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-21): pccd docs upld Reviewer Comment (2026-08-13): [redacted]received COC dated [redacted] which states loan amount change, but the decrease of lender credit is not proportionate to the loan amount. Moreover, when loan amount changes the lender credit change should be proportionate to the loan amount change, and if change is not proportionate there should be additional information that explains change in borrower eligibility change such as did not qualify for current product, or DTI increased, or FICO score decreased. Though an LTV may change, the information did not state that there was a pricing/product/program change. Provide supporting document with additional information for pricing decreased or Cure would be due to borrower. Buyer Comment (2026-08-12): rebuttal and supporting docs upld |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | |||||||||
| 225966265 | [Redacted] | [Redacted] | 37054173 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement was not found in file. | Reviewer Comment (2026-08-10): Provided Operating Agreement. Exception cleared. Buyer Comment (2026-08-06): [redacted]is the operating agreement |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 225966265 | [Redacted] | [Redacted] | 37054222 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-08-10): Provided E-Sign Consent. Exception cleared. Buyer Comment (2026-08-06): econsent |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 225966357 | [Redacted] | [Redacted] | 37048957 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test 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] 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] Compliant Higher Priced Loan. | Buyer Comment (2026-08-03): ok to waive |
08/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | No obvious cure | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| 225966357 | [Redacted] | [Redacted] | 37048959 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Borrower's qualified FICO score of [redacted]is less than the guideline requirement of [redacted]. Required lender approval. Lender exception approved for LTV to [redacted] vs guideline max of [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. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] and [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. |
Documentation Type: [redacted]Bank Statement Disposable Income: [redacted] Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted] Guideline Maximum DTI: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-05): Client elects to waive with compensating factors. Buyer Comment (2026-08-03): exception aprvl upld |
08/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||
| 225970151 | [Redacted] | [Redacted] | 37049208 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | Loan product was changed to an adjustable-rate loan on [redacted]; ARM disclosure was signed on [redacted]. | Reviewer Comment (2026-08-11): ARM disclosure date updated correctly. Exception cleared. Buyer Comment (2026-08-07): Please see the disclosures from [redacted] which shows that the ARM disclosure was sent on the same date that the ARM was locked. Please clear condition. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225970151 | [Redacted] | [Redacted] | 37049247 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI variance. Lenders DTI: [redacted]. Review DTI: [redacted]. Variance is due to lenders P&I calculation of [redacted]per month vs actual amount of [redacted]per month. | Reviewer Comment (2026-08-31): Updated Reviewer Comment (2026-08-31): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-08-28): Please review data compare. We match. Please clear condition. Reviewer Comment (2026-08-11): Calculated DTI is [redacted]% using IO qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-08-07): Please see updated 1008 |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225970151 | [Redacted] | [Redacted] | 37049283 | 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. | ATR risk due to DTI variance. Variance is due to lenders P&I calculation of [redacted]per month vs actual amount of [redacted]per month. | Reviewer Comment (2026-08-31): reran compliance Buyer Comment (2026-08-28): Waterfall Reviewer Comment (2026-08-11): Calculated DTI is [redacted]% using IO qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-08-07): Waterfall |
08/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225970151 | [Redacted] | [Redacted] | 37049284 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR risk due to DTI variance. Variance is due to lenders P&I calculation of [redacted]per month vs actual amount of [redacted]per month. | Reviewer Comment (2026-08-31): reran compliance Buyer Comment (2026-08-28): Waterfall Reviewer Comment (2026-08-11): Calculated DTI is [redacted]% using IO qualification method, bid tape needs correction for clearing this exception. Exception remains. Buyer Comment (2026-08-07): Waterfall |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225970297 | [Redacted] | [Redacted] | 37051949 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Public Record Type: Charge-offs / Balance: [redacted]without payment plan. | Reviewer Comment (2026-08-17): Cleared. Per guidelilnes, Open collections and charge offs may be left open at underwriter's discretion. Any that may not affect title may be left open regardless of amount. Buyer Comment (2026-08-13): Please see attached. |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225970297 | [Redacted] | [Redacted] | 37051952 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Public Record Type: Charge-offs / Balance: [redacted]without payment plan. | Reviewer Comment (2026-08-17): Cleared. Per guidelilnes, Open collections and charge offs may be left open at underwriter's discretion. Any that may not affect title may be left open regardless of amount. Reviewer Comment (2026-08-17): Require payment receipt of amount $[redacted]as provided document only confirm settlement is agreed from borrower however payment receipt is missing to clear the exception. Exception remains. Buyer Comment (2026-08-13): Please see attached |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||
| 225970533 | [Redacted] | [Redacted] | 37049248 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The variance between the diligence DTI and the bid tape DTI exceeds [redacted]requirements due to the underwriter's use of a higher PITIA for the subject property. | Reviewer Comment (2026-08-12): Pension income is not used to qualify for DTI calculation. Received updated 1003 and 1008. Exception cleared Buyer Comment (2026-08-10): qualifying rate still needs to be updated to [redacted], but disregard this 1008 and see the one included in the other condition below. Buyer Comment (2026-08-10): Please see the updated 1008, we should be using a qualifying rate of [redacted]bringing the DTI to [redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225970533 | [Redacted] | [Redacted] | 37049268 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Supporting documentation for the pension income was not found in file. | Reviewer Comment (2026-08-12): Pension income is not used to qualify for DTI calculation. Received updated 1003 and 1008. Exception cleared Buyer Comment (2026-08-10): WATERFALL |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225970533 | [Redacted] | [Redacted] | 37049272 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | There is no date provided in the business entity document for the business [redacted] | Reviewer Comment (2026-08-12): Updated business Entity Listing document date provided. Exception cleared Buyer Comment (2026-08-10): WATERFALL |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225970533 | [Redacted] | [Redacted] | 37049298 | 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. | There is no date provided in the business entity document for the business [redacted], and the award letter for the pension income was not found in file. | Reviewer Comment (2026-08-12): Pension income is not used to qualify for DTI calculation. Received updated 1003 and 1008.Updated business Entity Listing document date provided. Exception cleared Buyer Comment (2026-08-10): WATERFALL |
08/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225970533 | [Redacted] | [Redacted] | 37049299 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | There is no date provided in the business entity document for the business [redacted], and the award letter for the pension income was not found in file. | Reviewer Comment (2026-08-12): Pension income is not used to qualify for DTI calculation. Received updated 1003 and 1008.Updated business Entity Listing document date provided. Exception cleared Buyer Comment (2026-08-10): Please the attached letter. Pension has been removed since it's not needed, and attached is also the dated pirates den search. The qualifying rate also needs to be updated to [redacted]. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225970533 | [Redacted] | [Redacted] | 37049300 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted] | There is no date provided in the business entity document for the business [redacted], and the award letter for the pension income was not found in file. | Reviewer Comment (2026-08-12): Pension income is not used to qualify for DTI calculation. Received updated 1003 and 1008. Exception cleared Buyer Comment (2026-08-10): WATERFALL |
08/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225970533 | [Redacted] | [Redacted] | 37049303 | 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 [redacted] 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.) | There is no date provided in the business entity document for the business [redacted], and the award letter for the pension income was not found in file. | Reviewer Comment (2026-08-12): Updated business Entity Listing document date provided. Exception cleared Reviewer Comment (2026-08-12): Pension income is not used to qualify for DTI calculation. Received updated 1003 and 1008. Exception cleared Buyer Comment (2026-08-10): WATERFALL |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225970533 | [Redacted] | [Redacted] | 37049309 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | There is no date provided in the business entity document for the business [redacted], and the award letter for the pension income was not found in file. | Reviewer Comment (2026-08-12): Updated business Entity Listing document date provided. Exception cleared Reviewer Comment (2026-08-12): Pension income is not used to qualify for DTI calculation. Received updated 1003 and 1008. Exception cleared Buyer Comment (2026-08-10): WATERFALL |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225973593 | [Redacted] | [Redacted] | 37216891 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Discrepancy in purchase price. | Reviewer Comment (2026-08-14): Received Sales addendum. Exception Cleared. Buyer Comment (2026-08-12): Addendum - Sales Price Buyer Comment (2026-08-12): [redacted]respectfully disagrees with [redacted]Sales price of $[redacted]. Attached please find addendum which changed SP to $[redacted]. Please review and update [redacted] to reflect. Thanks! |
08/14/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225973642 | [Redacted] | [Redacted] | 37055986 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided | Closing Instructions were not provided in the file. | Reviewer Comment (2026-08-11): Escrow instruction is provided. Exception cleared. Buyer Comment (2026-08-07): [redacted] are the closing instructions |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225973778 | [Redacted] | [Redacted] | 37048175 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal 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 | WA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225973778 | [Redacted] | [Redacted] | 37048176 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]. Variance is due to lenders income calculation of [redacted]per month vs actual amount of [redacted]per month. | Reviewer Comment (2026-08-18): Cleared. Received updated bid tap for DTI. Buyer Comment (2026-08-17): Please review data compare, we now match. Please clear condition. Reviewer Comment (2026-08-11): Bid tape value is not reflecting the updated DTI, exception remains. Buyer Comment (2026-08-10): Please see attached. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225973778 | [Redacted] | [Redacted] | 37048185 | 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. | ATR risk due to DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]. Variance is due to lenders income calculation of [redacted]per month vs actual amount of [redacted]per month. | Reviewer Comment (2026-08-18): Cleared. Received updated bid tap for DTI. Buyer Comment (2026-08-17): Waterfall Reviewer Comment (2026-08-11): Bid tape value is not reflecting the updated DTI, exception remains. Buyer Comment (2026-08-10): Waterfall |
08/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225973778 | [Redacted] | [Redacted] | 37048186 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | ATR risk due to DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]. Variance is due to lenders income calculation of [redacted]per month vs actual amount of [redacted]per month. | Reviewer Comment (2026-08-18): Cleared. Received updated bid tap for DTI. Buyer Comment (2026-08-17): Waterfall Reviewer Comment (2026-08-11): Bid tape value is not reflecting the updated DTI, exception remains. Buyer Comment (2026-08-10): Waterfall |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225973778 | [Redacted] | [Redacted] | 37207321 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing contract addendum. | Reviewer Comment (2026-08-13): Sales Contract Addendum With updated purchase price of $[redacted]updated and associated, Exception Cleared. Buyer Comment (2026-08-12): It looks like you didn't get the contract addendum's that changed the price to [redacted]. The correct LTV is [redacted] Buyer Comment (2026-08-12): I wanted to reach out on this file. It looks like you didn't get the contract addendum's that changed the price to [redacted]. The correct LTV is [redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225974045 | [Redacted] | [Redacted] | 37057262 | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | The Final Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The title commitment 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 title preliminary/commitment report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-29): Title with sufficient coverage, cleared Buyer Comment (2026-07-29): title commitment |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 225974072 | [Redacted] | [Redacted] | 37067348 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Available for Reserves of [redacted]is less than Guideline Available for Reserves of [redacted]. | Reviewer Comment (2026-08-11): Re-validated asset funds as per bank statement and reserves requirement met. Exception cleared. Buyer Comment (2026-08-07): Please re-review the assets. You deducted $[redacted]from the [redacted] account when that should not have been deducted. Once you add that back, we will have enough for the required reserves. Please clear condition. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225974072 | [Redacted] | [Redacted] | 37067396 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
The second mortgage on [redacted] new Heloc payment was calculated at [redacted]/month. | Reviewer Comment (2026-08-11): Re-validated asset funds as per bank statement and reserves requirement met and received updated 1008 matching DTI. Exception cleared. Buyer Comment (2026-08-07): Please see updated 1008 |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225974072 | [Redacted] | [Redacted] | 37067408 | 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 verified assets to meet reserve requirement and DTI variance. | Reviewer Comment (2026-08-11): Re-validated asset funds as per bank statement and reserves requirement met and received updated 1008 matching DTI. Exception cleared. Buyer Comment (2026-08-07): Waterfall |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | UT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225974072 | [Redacted] | [Redacted] | 37067409 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to shortage of verified assets to meet reserve requirement and DTI variance. | Reviewer Comment (2026-08-11): Re-validated asset funds as per bank statement and reserves requirement met and received updated 1008 matching DTI. Exception cleared. Buyer Comment (2026-08-07): Waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225974072 | [Redacted] | [Redacted] | 37068324 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Borrower is short verified funds to meet the required reserves. | Reviewer Comment (2026-08-11): Re-validated asset funds as per bank statement and reserves requirement met. Exception cleared. Buyer Comment (2026-08-07): Waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225974072 | [Redacted] | [Redacted] | 37068327 | 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 [redacted] 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 shortage of verified assets to meet reserve requirement and DTI variance. | Reviewer Comment (2026-08-11): Re-validated asset funds as per bank statement and reserves requirement met and received updated 1008 matching DTI. Exception cleared. Buyer Comment (2026-08-07): Waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225974073 | [Redacted] | [Redacted] | 37057238 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted] | DSCR calculated on the basis of vacation rental statement provided in file. | Reviewer Comment (2026-08-18): The bid tape DSCR is corrected. Verified and updated details. Exception Cleared. Buyer Comment (2026-08-17): bid tape corrected |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225974082 | [Redacted] | [Redacted] | 37058502 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Business Bank Statement for acct ending [redacted]for [redacted]missing from file. | Reviewer Comment (2026-08-11): Opened Account#[redacted]in [redacted]. Exception Cleared. Buyer Comment (2026-08-10): Account only opened in [redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225974082 | [Redacted] | [Redacted] | 37058503 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Business Bank Statement for acct ending [redacted]for [redacted]missing from file. | Reviewer Comment (2026-08-11): Opened Account#[redacted]in [redacted]. Exception Cleared. Buyer Comment (2026-08-10): waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225974082 | [Redacted] | [Redacted] | 37058518 | 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 [redacted]-month Business Bank Statement missing from file. | Reviewer Comment (2026-08-11): Opened Account#[redacted]in [redacted]. Exception Cleared. Buyer Comment (2026-08-10): waterfall |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225974082 | [Redacted] | [Redacted] | 37058519 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to [redacted]-month Business Bank Statement missing from file. | Reviewer Comment (2026-08-11): Opened Account#[redacted]in [redacted]. Exception Cleared. Buyer Comment (2026-08-10): waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225974082 | [Redacted] | [Redacted] | 37067038 | 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 [redacted] 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 the missing bank statement. | Reviewer Comment (2026-08-11): Opened Account#[redacted]in [redacted]. Exception Cleared. Buyer Comment (2026-08-10): waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225974082 | [Redacted] | [Redacted] | 37067111 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Business Bank Statement for acct ending [redacted]for [redacted] missing from file. | Reviewer Comment (2026-08-11): Opened Account#[redacted]in [redacted]. Exception Cleared. Buyer Comment (2026-08-10): waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225974113 | [Redacted] | [Redacted] | 37059383 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal review fee. The fee amount of [redacted]exceeds the tolerance of [redacted]. [redacted]is over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-18): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-17): Package delivered Reviewer Comment (2026-08-12): [redacted]received Post CD,LOX,Copy of refund check and proof of mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-08-11): PCCD |
08/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | ID | Second Home | 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 | |||||||||
| 225974165 | [Redacted] | [Redacted] | 37060177 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | VOE provided for [redacted] is dated [redacted], while the note date is [redacted]. | Reviewer Comment (2026-08-10): Verbal verification received within [redacted]business days. Buyer Comment (2026-08-07): final voe upld Reviewer Comment (2026-07-31): AUS treats the income as self-employment; however, there is no documentation linking the qualifying income to the self-employment source. Since the 1040 also reports W-2 income, a VOE dated within [redacted]business days is required. Exception remains. Buyer Comment (2026-07-29): please cancel, this is a signature agency loan underwritten to lp. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225974165 | [Redacted] | [Redacted] | 37060207 | 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 missing income documentation: VOE provided for [redacted] is not within [redacted]business days of the note date. | Reviewer Comment (2026-08-10): Verbal verification received within [redacted]business days. Buyer Comment (2026-08-07): final voe upld to trl docs Reviewer Comment (2026-07-31): AUS treats the income as self-employment; however, there is no documentation linking the qualifying income to the self-employment source. Since the 1040 also reports W-2 income, a VOE dated within [redacted]business days is required. Exception remains. Buyer Comment (2026-07-29): please cancel, this is a signature agency loan underwritten to lp. |
08/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225974165 | [Redacted] | [Redacted] | 37060208 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing income documentation: VOE provided for [redacted] is not within [redacted]business days of the note date. | Reviewer Comment (2026-08-10): Verbal verification received within [redacted]business days. Buyer Comment (2026-08-07): final voe upld to trl docs Reviewer Comment (2026-07-31): AUS treats the income as self-employment; however, there is no documentation linking the qualifying income to the self-employment source. Since the 1040 also reports W-2 income, a VOE dated within [redacted]business days is required. Exception remains. Buyer Comment (2026-07-29): please cancel, this is a signature agency loan underwritten to lp. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225974165 | [Redacted] | [Redacted] | 37062585 | 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 [redacted] 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 missing income documentation: VOE provided for [redacted] is not within [redacted]business days of the note date. | Reviewer Comment (2026-08-10): Verbal verification received within [redacted]business days. Buyer Comment (2026-08-07): final voe upld to trl docs Reviewer Comment (2026-07-31): AUS treats the income as self-employment; however, there is no documentation linking the qualifying income to the self-employment source. Since the 1040 also reports W-2 income, a VOE dated within [redacted]business days is required. Exception remains. Buyer Comment (2026-07-29): please cancel, this is a signature agency loan underwritten to lp. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225974165 | [Redacted] | [Redacted] | 37062598 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VOE provided for [redacted]is not within [redacted]business days of the note date. VOE is dated [redacted] while the note date is [redacted]. | Reviewer Comment (2026-08-10): Verbal verification received within [redacted]business days. Buyer Comment (2026-08-07): final voe upld to trl docs Reviewer Comment (2026-07-31): AUS treats the income as self-employment; however, there is no documentation linking the qualifying income to the self-employment source. Since the 1040 also reports W-2 income, a VOE dated within [redacted]business days is required. Exception remains. Buyer Comment (2026-07-29): please cancel, this is a signature agency loan underwritten to lp. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225974233 | [Redacted] | [Redacted] | 37059620 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | VOE provided is dated [redacted] while the note date is [redacted]. | Reviewer Comment (2026-08-25): Received VVOE within [redacted]days, Exception Cleared Buyer Comment (2026-08-21): Please see attached. This was provided to us on [redacted]. This is within the alloted time frame. Please clear this condition. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225974233 | [Redacted] | [Redacted] | 37059640 | 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 VOE not being within [redacted]days of note date. | Reviewer Comment (2026-08-25): Received VVOE within [redacted]days, Exception Cleared Buyer Comment (2026-08-21): Waterfall |
08/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225974233 | [Redacted] | [Redacted] | 37059641 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to VOE not being within [redacted]days of note date. | Reviewer Comment (2026-08-25): Received VVOE within [redacted]days, Exception Cleared Buyer Comment (2026-08-21): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225974233 | [Redacted] | [Redacted] | 37063443 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VOE provided is dated [redacted] while the note date is [redacted]. | Reviewer Comment (2026-08-25): Received VVOE within [redacted]days, Exception Cleared Buyer Comment (2026-08-21): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225974233 | [Redacted] | [Redacted] | 37063449 | 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 [redacted] 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 VOE not being within [redacted]days of note date. | Reviewer Comment (2026-08-25): Received VVOE within [redacted]days, Exception Cleared Buyer Comment (2026-08-21): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225974307 | [Redacted] | [Redacted] | 37072027 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Appraisal report is missing from the loan file. | Reviewer Comment (2026-08-13): Appraisal document associated and information updated. Exception cleared. Buyer Comment (2026-08-12): Please see attached |
08/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| 225974307 | [Redacted] | [Redacted] | 37072028 | Credit | Credit | Credit Documentation | Credit | Purchase contract date not provided. | Appraisal report and purchase agreement are missing from the loan file. | Reviewer Comment (2026-08-13): Sales contract document associated and information updated. Exception cleared. Buyer Comment (2026-08-12): Please see attached. Buyer Comment (2026-08-12): Please see attached |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| 225974307 | [Redacted] | [Redacted] | 37072029 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-08-13): Flood Certificate document associated and information updated. Exception cleared. Buyer Comment (2026-08-12): This condition should be cleared. The referenced disaster declaration (Severe Winter Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides) ended on[redacted]. This disaster event occurred over [redacted]years ago and is no longer a current condition affecting the property. Please remove this outdated disaster-related condition. If there is a separate current basis for the condition, please provide the supporting documentation and applicable requirement. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| 225974307 | [Redacted] | [Redacted] | 37072035 | 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. | Initial rate lock agreement is missing from the loan file. | Reviewer Comment (2026-08-13): Rate lock document associated and information updated. Exception cleared. Buyer Comment (2026-08-12): Please see attached |
08/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| 225974307 | [Redacted] | [Redacted] | 37072036 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of [redacted] which is [redacted] months prior to consummation. A lookback was performed to determine this application date using the following dates:[redacted]. Lookback testing performed up to [redacted] of the following: TRID start date, TIL/MDIA [redacted] start date, RESPA [redacted] start date, TIL/MDIA [redacted] start date, LOS Application Date, Broker Application Date, or [redacted] months prior to consummation. | Initial 1003 with application date is missing from the loan file. | Reviewer Comment (2026-08-13): Initial 1003 document associated and information updated. Exception cleared. Buyer Comment (2026-08-12): Please see attached. |
08/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| 225974307 | [Redacted] | [Redacted] | 37072037 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | Initial 1003 with application date is missing from the loan file. | Reviewer Comment (2026-08-13): Initial 1003 document associated and information updated. Exception cleared. Buyer Comment (2026-08-12): Waterfall |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| 225974307 | [Redacted] | [Redacted] | 37072038 | 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. | Closing Disclosure was not provided to borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-08-13): [redacted]received initial CD. Buyer Comment (2026-08-12): Please see attached. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||
| 225974307 | [Redacted] | [Redacted] | 37072039 | 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. | Loan estimate is missing from the loan file. | Reviewer Comment (2026-08-13): [redacted]received initial LE. Buyer Comment (2026-08-12): Please see attached. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||
| 225974307 | [Redacted] | [Redacted] | 37072040 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure was not provided to the borrower. | Reviewer Comment (2026-08-13): ARM Disclosure document associated and information updated. Exception cleared. Buyer Comment (2026-08-12): Please see attached |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||
| 225974307 | [Redacted] | [Redacted] | 37072041 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) was not provided to the borrower. | Reviewer Comment (2026-09-02): Revalidated data from CHARM Booklet Disclosure. Exception Cleared. Buyer Comment (2026-08-31): Please review the date at the top left of the form. This is the date that it was disclosed to the borrower as this was the date it was determined this loan would be an ARM. Please clear condition. Reviewer Comment (2026-08-13): Initial date CHARM booklet document not received. Exception remains. Buyer Comment (2026-08-12): Please see attached. This was provided to the borrower when the rate was locked as n ARM. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | D | B | D | A | C | B | D | A | Non QM | Non QM | No | |||||||||
| 225974307 | [Redacted] | [Redacted] | 37072049 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Reviewer Comment (2026-08-13): Initial 1003 document associated and information updated. Exception cleared. Buyer Comment (2026-08-12): Please see attached. Buyer Comment (2026-08-12): Waterfall |
08/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| 225974307 | [Redacted] | [Redacted] | 37072050 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-08-13): Flood Certificate document associated and information updated. Exception cleared. Buyer Comment (2026-08-12): Please see attached. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| 225974307 | [Redacted] | [Redacted] | 37072051 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-08-13): Hazard Insurance Policy document associated and information updated. Exception cleared. Buyer Comment (2026-08-12): Please see attached. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| 225974307 | [Redacted] | [Redacted] | 37072052 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Reviewer Comment (2026-08-13): Sales contract document associated and information updated. Exception cleared. Buyer Comment (2026-08-12): Waterfall |
08/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| 225974307 | [Redacted] | [Redacted] | 37072053 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Reviewer Comment (2026-08-13): Appraisal document associated and information updated. Exception cleared. Buyer Comment (2026-08-12): Waterfall |
08/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | D | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| 225974307 | [Redacted] | [Redacted] | 37218270 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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]received LE and CD. However, the Recording fee increased on CD dated [redacted] for /[redacted]amd also increased on CD dated [redacted] for [redacted]. Kindly provide a valid COC for the fee increased or cure due to borrower.Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | Reviewer Comment (2026-09-01): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-08-31): This credit has already been given. Please clear condition. |
09/01/2026 | No | 2 | B | B | B | B | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | D | A | Non QM | Non QM | Yes | ||||||||||||||
| 225974307 | [Redacted] | [Redacted] | 37218271 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of [redacted]exceeds tolerance of [redacted]. [redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]received LE and CD. However, the Appraisal Review fee increased on CD dated [redacted] for [redacted]. Kindly provide a valid COC for the fee increased or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. | Reviewer Comment (2026-09-08): [redacted]received a valid COC. Buyer Comment (2026-09-04): Please see attached. This shows the CU score of [redacted]. Please clear condition. Reviewer Comment (2026-09-01): [redacted]received rebuttal. However, we would require supporting documentation for the CU score of [redacted] in order to clear the exception or cure due to borrower. Cure documents consist of post CD,LOX,Copy of refund check and proof of mailing Reviewer Comment (2026-09-01): Erroneously cleared. Reviewer Comment (2026-09-01): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-08-31): The $[redacted]Appraisal Review Fee was required based on the appraisal findings and applicable underwriting guidelines. The appraisal received a CU (Collateral Underwriter) score of [redacted], which triggered the requirement for a CDA (Collateral Desktop Analysis) to be completed. The Appraisal Review Fee was therefore a necessary and valid fee associated with the required appraisal review and was not an optional or improperly charged fee. The fee was incurred as a result of the required review based on the CU score and applicable guidelines. Accordingly, the $[redacted]fee should not be considered a tolerance violation requiring a cure. Please review the CU score of [redacted] and the applicable requirement for the CDA and clear this condition. |
09/08/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | D | A | Non QM | Non QM | Yes | ||||||||||||||
| 225974307 | [Redacted] | [Redacted] | 37487284 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-08): Sufficient Cure Provided At Closing |
09/08/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | D | B | D | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||||||||
| 225974372 | [Redacted] | [Redacted] | 37205019 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - DSCR | Reviewer Comment (2026-08-12): Short term rental income provided, Calculated DSCR matches Bid Tape DSCR. Buyer Comment (2026-08-11): [redacted]respectfully disagrees with AMC rent. Please see attached [redacted] which is being used to calculate [redacted]x [redacted]= [redacted] [redacted]/ [redacted]= [redacted] [redacted]/ [redacted] = [redacted] Buyer Comment (2026-08-11): [redacted] |
08/12/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 225978989 | [Redacted] | [Redacted] | 37133667 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final Loan Application is missing. | Reviewer Comment (2026-09-01): Document provided Buyer Comment (2026-08-31): Please see attached. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225978989 | [Redacted] | [Redacted] | 37133668 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided | Rider - PUD is missing. | Reviewer Comment (2026-09-01): Document provided Buyer Comment (2026-08-31): Please see attached. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225978989 | [Redacted] | [Redacted] | 37133670 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Fixed Interest Rate Rider is missing. | Reviewer Comment (2026-09-01): document provided Buyer Comment (2026-08-31): Please see attached. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225978989 | [Redacted] | [Redacted] | 37133732 | 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. | Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | Reviewer Comment (2026-09-01): [redacted]received [redacted] CD received [redacted] business days prior to consummation. Buyer Comment (2026-08-31): Please see attached CD that was sent on [redacted]. Please clear condition. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225978989 | [Redacted] | [Redacted] | 37140095 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a third party verification dated within [redacted]days prior to cloisng for the borrower's business supporting the dates of operation and good standing. | Reviewer Comment (2026-09-11): Business narrative was completed by CPA, exception cleared. Buyer Comment (2026-09-09): Please review the self employed narrative that was uploaded. This was completed by the CPA and dated. This is sufficent to clear the condition. Reviewer Comment (2026-09-01): Exception remains. File is missing a third party verification dated within [redacted] days prior to cloisng for the Borrower's business supporting the dates of operation and good standing. Buyer Comment (2026-08-31): Please see attached. |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225978989 | [Redacted] | [Redacted] | 37140125 | 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. | Failure due to missing third party verification. | Reviewer Comment (2026-09-11): Business narrative was completed by CPA, exception cleared. Buyer Comment (2026-09-09): Waterfall Reviewer Comment (2026-09-01): Exception remains. File is missing a third party verification dated within [redacted]days prior to cloisng for the Borrower's business supporting the dates of operation and good standing. Buyer Comment (2026-08-31): Waterfall |
09/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225978989 | [Redacted] | [Redacted] | 37140126 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | Failure due to missing third party verification. | Reviewer Comment (2026-09-11): Business narrative was completed by CPA, exception cleared. Buyer Comment (2026-09-09): Waterfall Reviewer Comment (2026-09-01): Exception remains. File is missing a third party verification dated within [redacted]days prior to cloisng for the Borrower's business supporting the dates of operation and good standing. Buyer Comment (2026-08-31): Waterfall |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225978989 | [Redacted] | [Redacted] | 37140127 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Failure due to missing third party verification. | Reviewer Comment (2026-09-11): Business narrative was completed by CPA, exception cleared. Buyer Comment (2026-09-09): Waterfall Reviewer Comment (2026-09-01): Exception remains. File is missing a third party verification dated within [redacted]days prior to cloisng for the Borrower's business supporting the dates of operation and good standing. Buyer Comment (2026-08-31): Waterfall |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225978989 | [Redacted] | [Redacted] | 37140128 | 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 [redacted] 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.) | Failure due to missing third party verification. | Reviewer Comment (2026-09-11): Business narrative was completed by CPA, exception cleared. Buyer Comment (2026-09-09): Waterfall Reviewer Comment (2026-09-01): Exception remains. File is missing a third party verification dated within [redacted]days prior to cloisng for the Borrower's business supporting the dates of operation and good standing. Buyer Comment (2026-08-31): Waterfall |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225978989 | [Redacted] | [Redacted] | 37140129 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Failure due to missing third party verification. | Reviewer Comment (2026-09-11): Business narrative was completed by CPA, exception cleared. |
09/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225978989 | [Redacted] | [Redacted] | 37140131 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Failure due to missing third party verification. | Reviewer Comment (2026-09-11): Business narrative was completed by CPA, exception cleared. Buyer Comment (2026-09-09): Waterfall Reviewer Comment (2026-09-01): Exception remains. File is missing a third party verification dated within [redacted]days prior to closing for the Borrower's business supporting the dates of operation and good standing. CPA Letter addressing borrowers income and dates of operation and good standing. document provided is not borrower Buyer Comment (2026-08-31): Waterfall |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225979431 | [Redacted] | [Redacted] | 37062989 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The preliminary 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 preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-09-01): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-31): Please see attached. |
09/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OK | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225979431 | [Redacted] | [Redacted] | 37063095 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee was last disclosed as [redacted]on Initial Closing Disclosure 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 (2026-07-24): Sufficient Cure Provided At Closing |
07/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OK | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225979431 | [Redacted] | [Redacted] | 37063117 | 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 ___. | Calculated PITIA months reserves of [redacted]is less than Guideline PITIA months reserves of [redacted]. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly mortgage payment has decreased by at least [redacted]%. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [redacted]% or more. |
Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Prior Housing Expense: $[redacted] Proposed Housing Expense: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Loan Purpose: Refinance Monthly Debt Reduction: -[redacted]% |
SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-01): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-31): Please see the attached invoice for the HOI and the appraisal that were both paid prior to closing. Please clear condition. Reviewer Comment (2026-08-25): Lender exception approval provided for reserve shortage for [redacted] months as guidelines allow [redacted] months. The verified reserves of [redacted]months is less that the [redacted] month requirement for the exception approval. Documentaion to support he appraisal fee and the hoi paid outiside of closing is not in the file. Buyer Comment (2026-08-21): Per the exception we have the approval for [redacted]months banks statements. If you review the cash to close from borrower of $[redacted]and the amount that the client has in the checking account of $[redacted]. That is a total of $[redacted]. We have [redacted]months reserves with this amount. Please clear condition. |
09/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OK | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 225979431 | [Redacted] | [Redacted] | 37063147 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-09-01): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-31): Waterfall Reviewer Comment (2026-08-25): Lender exception approval provided for reserve shortage for [redacted] months as guidelines allow [redacted] months. The verified reserves of [redacted]months is less that the [redacted] month requirement for the exception approval. Documentaion to support he appraisal fee and the hoi paid outiside of closing is not in the file. Buyer Comment (2026-08-21): Waterfall |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225979431 | [Redacted] | [Redacted] | 37081056 | 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. | Failure due to insufficient funds for reserves. | Reviewer Comment (2026-09-01): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-31): Waterfall Reviewer Comment (2026-08-25): Lender exception approval provided for reserve shortage for [redacted] months as guidelines allow [redacted] months. The verified reserves of [redacted]months is less that the [redacted] month requirement for the exception approval. Documentaion to support he appraisal fee and the hoi paid outiside of closing is not in the file. Buyer Comment (2026-08-21): Waterfall |
09/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OK | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225985188 | [Redacted] | [Redacted] | 37061110 | 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 ___. | Additional assets are required to cover reserve requirement of [redacted] months PITIA. | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-08-11): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-07): this is a dscr loan, comp factors are complete Reviewer Comment (2026-08-06): Received lender exception approval for short reserves, approved for [redacted] months reserves. Unable to downgrade/waive the exception due to insufficient comp factors from due diligence review. Reviewer Comment (2026-08-06): 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]. Reviewer Comment (2026-08-06): Received lender exception approval for short reserves. Buyer Comment (2026-08-04): exception aprvl with full comments added upld Reviewer Comment (2026-08-04): Please provided Lender exception with comp factors. Page 6 stating what lender exception is for is cut off. Page [redacted] states Min reserves is [redacted] months we have .[redacted] Buyer Comment (2026-07-31): updated exception aprvl upld |
08/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 225985188 | [Redacted] | [Redacted] | 37171178 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approval provided for non-warrantable condo | Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. | Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-08-11): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-07): this is a dscr loan, comp factors are complete Reviewer Comment (2026-08-06): Received lender exception approval for short reserves, approved for [redacted] months reserves. Unable to downgrade/waive the exception due to insufficient comp factors from due diligence review. |
08/11/2026 | Yes | 2 | B | B | B | B | B | MA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 225986211 | [Redacted] | [Redacted] | 37071295 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for borrower not meeting guideline requirement of minimum [redacted] tradelines. Conditioned on Max [redacted] LTV/CLTV and Alt tradelines covering [redacted]months prior to application date. | 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 guideline required amount by the equivalent of [redacted] months PITIA or more. 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. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-31): Client elects to waive wtih compensating factors. Buyer Comment (2026-07-29): is this informational? the lender exception is in the uploads |
07/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 225986218 | [Redacted] | [Redacted] | 37064570 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Provided) | [redacted] [redacted] Loan: Counseling Disclosure not provided to borrower. | [redacted] Loan: Counseling Disclosure is not provided in file | Reviewer Comment (2026-08-03): COC provided Reviewer Comment (2026-07-31): [redacted]- Subprime Counseling Disclosure is required to clear the condition. Exception remains. Seller Comment (2026-07-30): final Compliance Ease report that shows this loan did not fail the Federal or [redacted]subprime tests |
08/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | No obvious cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225986218 | [Redacted] | [Redacted] | 37064612 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] [redacted] Loan: Mortgage does not contain a legend stating that the [redacted] loan is subject to Section [redacted]-m of the Banking Law. | State disclosure are not provided in file | Reviewer Comment (2026-07-31): Sub-Prime Legend is already provided in file. Exception cleared. Seller Comment (2026-07-30): final Compliance Ease report that shows this loan did not fail the Federal or [redacted]subprime tests |
07/31/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225986218 | [Redacted] | [Redacted] | 37064613 | Compliance | Compliance | State Compliance | State HPML | [redacted]Home Loan Threshold Fixed Non-Compliant | [redacted] [redacted] Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of [redacted]. Non-Compliant [redacted] Loan. | APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of [redacted] | Reviewer Comment (2026-08-03): COC provided Reviewer Comment (2026-08-03): the issue has been escalated and we will reach out once we receive a response Seller Comment (2026-07-30): final Compliance Ease report that shows this loan did not fail the Federal or [redacted]subprime tests |
08/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225986218 | [Redacted] | [Redacted] | 37064614 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Notice of Taxes and Insurance Not Provided) | [redacted] [redacted] Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, [redacted] loan. | Borrower not provided with Notice of Taxes and Insurance on 1st lien, [redacted] loan. | Reviewer Comment (2026-07-31): Received disclosure for Notice of Taxes and Insurance on 1st lien. Exception cleared. Seller Comment (2026-07-30): Insurance and Tax Disc Seller Comment (2026-07-29): see attached [redacted] Tax Disclosure |
07/31/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | No obvious cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225986218 | [Redacted] | [Redacted] | 37065136 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of [redacted]exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was not disclosed on initial LE but [redacted]was disclosed on Closing disclosure. Sufficient Cure was not provided on file. | Reviewer Comment (2026-08-02): [redacted]received a valid COC. Seller Comment (2026-07-30): a copy of the COC LE dated [redacted] where the addition of the appraisal re-inspection fee was disclosed to the borrower |
08/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | |||||||||
| 225986219 | [Redacted] | [Redacted] | 37059255 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: [redacted] | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-07-28): Primary and Secondary Valuation are available in file and considered. Exception Cleared. Seller Comment (2026-07-27): please clarify as to what is needed for this condition. The appraisal and field review both state the value is the same. The CD said there was a recommended alert in which when the field review was ordered. |
07/28/2026 | No | 1 | A | A | A | A | A | A | A | A | B | A | ME | Investment | Purchase | B | A | A | A | B | A | N/A | No | ||||||||||||||
| 225986255 | [Redacted] | [Redacted] | 37072317 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The file is missing a copy of the credit report. | Reviewer Comment (2026-08-10): Received the borrower's credit report. Exception cleared. Buyer Comment (2026-08-07): credit report |
08/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225986255 | [Redacted] | [Redacted] | 37083035 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | The origination credit report was missing from the file. | Reviewer Comment (2026-08-10): Received the borrower's credit report. Exception cleared. Buyer Comment (2026-08-07): credit report submitted |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225986279 | [Redacted] | [Redacted] | 37071664 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of [redacted]exceeds tolerance of [redacted]plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Missing a valid COC or sufficient lender credit. | Reviewer Comment (2026-08-18): [redacted]received corrected PCCD and LOE. Buyer Comment (2026-08-17): PCCD & LOX Reviewer Comment (2026-08-17): [redacted]received Final SS. However, we would also require Post CD and LOX in order to clear the exception. Buyer Comment (2026-08-14): Settlement Statement Reviewer Comment (2026-08-14): [redacted]received LOX, however we require corrected PCCD updating the recording fee & transfer tax, LOE and true & certified copy of final settlement statement to re-evaluate the exception. Buyer Comment (2026-08-13): additional details and lox Reviewer Comment (2026-08-12): [redacted]upon further review the [redacted]% cure is calculated based on the recording fee disclosed on initial LE as $[redacted]while on final CD recording fee increased to $[redacted]. The fee was first increased on revised LE dated $[redacted]without providing a valid COC for the same. Please provide information as to what changed circumstance occurred (as defined under [redacted](e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-08-11): Please recalculate your baseline |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | 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 | |||||||||
| 225986279 | [Redacted] | [Redacted] | 37071666 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 Amount of [redacted]exceeds tolerance of [redacted]. | Reviewer Comment (2026-07-27): Cured at closing or within [redacted]days of consummation prior to TPR review |
07/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | VA | 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 | |||||||||
| 225986279 | [Redacted] | [Redacted] | 37256312 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225986286 | [Redacted] | [Redacted] | 37071609 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] 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]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-08-11): Delivery confirmation received. Buyer Comment (2026-08-07): Waterfall |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225986286 | [Redacted] | [Redacted] | 37071610 | 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 [redacted] business days prior to consummation. | Reviewer Comment (2026-08-11): Delivery confirmation received. Buyer Comment (2026-08-07): Please see attached. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225986286 | [Redacted] | [Redacted] | 37071613 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Missing a valid COC or sufficient lender credit. | Reviewer Comment (2026-08-10): [redacted]received valid COC document Buyer Comment (2026-08-07): The cited tolerance violation for Loan Discount Points is not applicable in this instance. On [redacted], the interest rate lock was updated at the borrower's request to include additional discount points in order to obtain a lower interest rate. This change was a borrower-elected decision and resulted in the increase to the Loan Discount Points fee. A valid Change of Circumstance (COC) was documented and processed in accordance with regulatory requirements. The revised Loan Estimate reflecting the increased discount points was disclosed within the required timeframe, providing the borrower sufficient time to review the changes prior to closing. Because the increase was the direct result of a borrower-requested change and was properly documented and disclosed, the fee is permissible and does not constitute a tolerance violation requiring a cure. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | 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 | |||||||||
| 225986493 | [Redacted] | [Redacted] | 37061224 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing in the file. | Reviewer Comment (2026-08-07): Hazard Insurance Policy, cleared Buyer Comment (2026-08-07): hoi |
08/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225986493 | [Redacted] | [Redacted] | 37061276 | 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 (2026-08-14): UCDPs with acceptable risk scores received, exception cleared Buyer Comment (2026-08-13): ucdps Reviewer Comment (2026-08-11): UCDP Submission Summary Report is required. Exception remains. Buyer Comment (2026-08-07): CDA not needed, ucdp score is low risk, LTV is not above [redacted]%, and the appraisal isn't transferred. Valere is associated with [redacted], please note the DBA verbiage on the note. |
08/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 225987053 | [Redacted] | [Redacted] | 37071940 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Fixed Compliant | [redacted] Loan: APR on subject loan of [redacted] or Final Disclosure APR of [redacted] is in excess of allowable threshold of [redacted]. Compliant [redacted] Loan. | Reviewer Comment (2026-08-13): EV 1 Buyer Comment (2026-08-11): please clear or provide an update Reviewer Comment (2026-08-06): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-08-04): please cancel, page 1 of the mortgage on [redacted]contains the verbiage at the top of the page. |
08/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 225987053 | [Redacted] | [Redacted] | 37071942 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | [redacted] Loan: Counseling Disclosure not provided to borrower at the time of application, but within [redacted] days of application. | Counseling Disclosure was not provided to the borrower at the time of application, but within [redacted] days of application. | Buyer Comment (2026-08-13): ok to wive Reviewer Comment (2026-08-13): This is an EV2 exception for informational purposes only. May be waived. Buyer Comment (2026-08-11): please clear or provide an update Reviewer Comment (2026-08-06): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-08-04): additional counseling disclosures with tracking showing sent to bwr with application the on [redacted], there were also disclosures provided in initial file [redacted]and [redacted]. |
08/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225987053 | [Redacted] | [Redacted] | 37071943 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 of $[redacted] was not disclosed to the borrower until the final Closing Disclosure. No valid change in circumstance or cure was provided. | Reviewer Comment (2026-08-11): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-07): pccd docs with cure and proof sent to bwr upld Reviewer Comment (2026-08-06): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-08-06): rebuttal/aprsl receipt upld |
08/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | 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 | |||||||||
| 225989961 | [Redacted] | [Redacted] | 37072402 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [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. | Reviewer Comment (2026-08-17): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-13): This amount has already been credited. Please clear condition. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | |||||||||
| 225989961 | [Redacted] | [Redacted] | 37072420 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under [redacted]. | Reviewer Comment (2026-08-04): Qualifying method updated, exception added for DTI. Buyer Comment (2026-07-31): Could you please clarify what is needed for this? |
08/04/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225989961 | [Redacted] | [Redacted] | 37142360 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data discrepancy with DTI. Lender DTI [redacted], Review DTI [redacted]. The reason for this discrepancy is due to Interest only P&I of [redacted]was used for qualification. At fully indexed rate over the remaining term, the qualifying P&I should be [redacted]. | Reviewer Comment (2026-08-25): Received updated 1008 and bid tape. Condition cleared. Reviewer Comment (2026-08-25): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-08-24): Please review data compare we now match on the DTI. Plesae clear condition. Reviewer Comment (2026-08-17): Received updated 1008, but bid tape is still reflecting DTI as [redacted]%, an updated bid tape for the DTI is required. Buyer Comment (2026-08-13): Please see updated 1008 |
08/25/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225989961 | [Redacted] | [Redacted] | 37142361 | 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 DTI discrepency. | Reviewer Comment (2026-08-25): Received updated 1008 and bid tape. Condition cleared. Buyer Comment (2026-08-24): Waterfall Reviewer Comment (2026-08-17): Received updated 1008, but bid tape is still reflecting DTI as [redacted]%, an updated bid tape for the DTI is required. Buyer Comment (2026-08-13): Waterfall |
08/25/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225989961 | [Redacted] | [Redacted] | 37142362 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI discrepancy. | Reviewer Comment (2026-08-25): Received updated 1008 and bid tape. Condition cleared. Buyer Comment (2026-08-24): Waterfall Reviewer Comment (2026-08-17): Received updated 1008, but bid tape is still reflecting DTI as [redacted]%, an updated bid tape for the DTI is required. Buyer Comment (2026-08-13): Waterfall |
08/25/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225989961 | [Redacted] | [Redacted] | 37239958 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 at closing | Reviewer Comment (2026-08-17): Sufficient Cure Provided At Closing |
08/17/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225991583 | [Redacted] | [Redacted] | 37060144 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | PITIA months reserves of [redacted] is less than Guideline PITIA months reserves of [redacted] | Reviewer Comment (2026-07-29): Revalidated data in assets. Exception Cleared. Buyer Comment (2026-07-27): LOE |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225992785 | [Redacted] | [Redacted] | 37071639 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Fee disclosed was last disclosed as [redacted]on Loan Estimate 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 (2026-08-10): [redacted]received valid COC document Buyer Comment (2026-08-07): COC |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | 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 | |||||||||
| 225992785 | [Redacted] | [Redacted] | 37071640 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Fee disclosed was last disclosed as [redacted]on Loan Estimate 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 (2026-07-26): Cured at closing or within [redacted]days of consummation prior to TPR review |
07/26/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | GA | 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 | |||||||||
| 225992785 | [Redacted] | [Redacted] | 37071641 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Fee disclosed was last disclosed as [redacted]on Loan Estimate 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 (2026-08-25): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-24): PCCD Reviewer Comment (2026-08-12): [redacted] received rebuttal, however loan amount was decreased and transfer tax was increased which is not valid. Please provide additional information why transfer tax increased or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-11): coc was submitted on the other condition. Please clear |
08/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | 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 | |||||||||
| 225994436 | [Redacted] | [Redacted] | 37110577 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines for mixed-use property require that the property be primarily residential by virtue of more than [redacted] of the square footage being residential. The subject property does not meet this guideline as the commercial unit is [redacted]sq ft and the residential unit is only [redacted]sq ft. | 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 guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-21): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-19): EXCEPTION APPROVAL Reviewer Comment (2026-08-11): A lender exception approval with compensating factors may be acceptable to for due diligentce to review to downgrade and waive the guideline requirement. Buyer Comment (2026-08-10): Please advise if an exception is acceptable |
08/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 225994441 | [Redacted] | [Redacted] | 37074258 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #12 and as attachments reflects judgments with outstanding balances in the amount of [redacted]and [redacted]. HUD 1 does not reflect payoff of judgments. Please provide evidence judgments have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-09-08): Received Judgment Affidavit (D[redacted]) stating that the discovered liens are not in the borrower's name, exception cleared. Buyer Comment (2026-09-04): judgement Reviewer Comment (2026-08-25): Provided email confirmation not reflecting the status of the judgements, please provide title document. Exception remains. Buyer Comment (2026-08-24): title confirmation |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 225994456 | [Redacted] | [Redacted] | 37073609 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-08-06): E-sign consent evidence received, exception cleared Buyer Comment (2026-08-05): proof econsent accepted upld |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994456 | [Redacted] | [Redacted] | 37073610 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Difference in DTI due to all other payments considered as [redacted]on 1008, and supporting documents are missing from the file to prove the same. | Reviewer Comment (2026-08-18): Updated Reviewer Comment (2026-08-18): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-08-17): please clear, the bid tape has been updated. Reviewer Comment (2026-08-11): Please correct BID tape data with DTI of [redacted]%. Exception Remains. Buyer Comment (2026-08-07): revised 1008.1003 upld Reviewer Comment (2026-08-06): [redacted]net sale proceeds are included in Other Assets on the Final 1003. The related REO properties are pending sale and were not included in the DTI calculation. Exception remains Buyer Comment (2026-08-05): there are [redacted] additional properties that on the 1003 that are not reflecting in your portal - [redacted] (docs are on [redacted], [redacted]) and [redacted] (docs are on [redacted], [redacted]& [redacted]) |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994456 | [Redacted] | [Redacted] | 37073612 | 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 variance between diligence DTI and bid tape DTI does not meet CCM requirements. | Reviewer Comment (2026-08-18): Updated bid tape was provided Buyer Comment (2026-08-17): please clear, the bid tape has been updated. Reviewer Comment (2026-08-11): Please correct BID tape data with DTI of [redacted]%. Exception Remains. Buyer Comment (2026-08-07): revised 1008.1003 upld to trl docs Reviewer Comment (2026-08-06): [redacted]net sale proceeds are included in Other Assets on the Final 1003. The related REO properties are pending sale and were not included in the DTI calculation. Exception remains Buyer Comment (2026-08-05): there are [redacted] additional properties that on the 1003 that are not reflecting in your portal - [redacted] (docs are on [redacted], [redacted]) and [redacted] (docs are on [redacted], [redacted]& [redacted]) |
08/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225994456 | [Redacted] | [Redacted] | 37073613 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to variance between diligence DTI and bid tape DTI does not meet CCM requirements. | Reviewer Comment (2026-08-18): Updated bid tape was provided Buyer Comment (2026-08-17): please clear, the bid tape has been updated. Reviewer Comment (2026-08-11): Please correct BID tape data with DTI of [redacted]%. Exception Remains. Buyer Comment (2026-08-07): revised 1008.1003 upld to trl docs Reviewer Comment (2026-08-06): [redacted]net sale proceeds are included in Other Assets on the Final 1003. The related REO properties are pending sale and were not included in the DTI calculation. Exception remains Buyer Comment (2026-08-05): there are[redacted] additional properties that on the 1003 that are not reflecting in your portal -[redacted] (docs are on d[redacted], d[redacted]) and [redacted] (docs are on d[redacted], d[redacted] & d[redacted]) |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 225994456 | [Redacted] | [Redacted] | 37073615 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-26): Sufficient Cure Provided At Closing |
07/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225994456 | [Redacted] | [Redacted] | 37073616 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-07-26): Sufficient Cure Provided At Closing |
07/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 225994465 | [Redacted] | [Redacted] | 37073737 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided | Note - Subordinate Lien was not provided. | Reviewer Comment (2026-08-06): Received Heloc agreement for the subordination lien of the subject transaction. Exception Cleared. Buyer Comment (2026-08-05): heloc agree upld |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994465 | [Redacted] | [Redacted] | 37073738 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Assets are updated correctly. | Reviewer Comment (2026-08-06): As per the guideline if loan which utilize flexibilities by aus finding may follow aus for the reserve requirement. As per the AUS no reserve required. Exception Cleared. Buyer Comment (2026-08-05): please cancel, this loan is signature agency conforming underwritten to lp |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 225994465 | [Redacted] | [Redacted] | 37073749 | 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. | Closing Disclosure was not provided to Borrower at least [redacted] business days prior to closing. | Reviewer Comment (2026-08-10): [redacted]received disclosure Tracking for CD dated [redacted] received to consumer [redacted] business days prior to the consummation. Buyer Comment (2026-08-07): tracking upld showing cd was sent [redacted] and viewed by bwr same day Reviewer Comment (2026-08-07): [redacted]received CD dated [redacted] signed by borrower on [redacted]. The mailbox rule is applied therefore receipt date is [redacted]. Consummation date is [redacted]. [redacted] is day [redacted], [redacted] is day [redacted]. Please provide documentation if the CD was received [redacted]or earlier for review. Buyer Comment (2026-08-06): please cancel, the[redacted] initial esigned cd is on [redacted], loan closed [redacted]. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 225994489 | [Redacted] | [Redacted] | 37073123 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage is insufficient to cover the loan amount. | Reviewer Comment (2026-08-11): It is "[redacted]" state file and available Checklist of coverage DOCID D[redacted] confirms the dwelling amount, information validated. Exception Cleared. Buyer Comment (2026-08-07): D[redacted] describes the policy as replacement cost. D[redacted] is the email from the lender that confirms this. Per the lender letter attached this is sufficient. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 225997790 | [Redacted] | [Redacted] | 37073030 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 valid Change of Circumstance provided, nor evidence of cure in file. | Reviewer Comment (2026-08-11): [redacted]received valid COC document Buyer Comment (2026-08-07): transfer taxes added to [redacted] ICD doc D[redacted] due to sales contract addendum executed on [redacted] & [redacted] doc D[redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | |||||||||
| 225999034 | [Redacted] | [Redacted] | 37076275 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-11): Received e-sign consent. Exception cleared. Buyer Comment (2026-08-07): please see attached econsent signed on [redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 225999034 | [Redacted] | [Redacted] | 37076288 | 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 dated [redacted]was not signed and dated by the borrower. | Reviewer Comment (2026-08-10): [redacted]received [redacted] CD received [redacted] business days prior to consummation. Buyer Comment (2026-08-07): please see attached initial ICD dated [redacted] |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 225999034 | [Redacted] | [Redacted] | 37080079 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Missing a valid COC or sufficient lender credit. | Reviewer Comment (2026-08-17): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-14): please see attached lox, pccd and check |
08/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | 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 | |||||||||
| 225999042 | [Redacted] | [Redacted] | 37075781 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | 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; a cure was provided at closing. | Reviewer Comment (2026-07-27): Sufficient Cure Provided At Closing |
07/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 225999042 | [Redacted] | [Redacted] | 37170047 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Discrepancy is DTI is due to the qualification method for IO loans. All debts and income match lenders. | Reviewer Comment (2026-08-19): Bid tape total dept ratio corrected. Exception cleared. Buyer Comment (2026-08-18): Bid tape corrected Reviewer Comment (2026-08-10): Please correct BID tape data with DTI of [redacted]%. Exception Remains. Buyer Comment (2026-08-06): 1008 |
08/19/2026 | No | 1 | A | A | A | A | A | WA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 225999042 | [Redacted] | [Redacted] | 37189184 | 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 Discrepancy is due to the qualification method for IO loans. | Reviewer Comment (2026-08-19): Bid tape total dept ratio corrected. Exception cleared. Buyer Comment (2026-08-18): Bid tape corrected |
08/19/2026 | No | 1 | A | A | A | A | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 225999042 | [Redacted] | [Redacted] | 37189185 | 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: [redacted]or more guideline components which could impact the borrower's ability to repay. | Discrepancy i due to the qualification method for IO loans. Please correct bid tape data. | Reviewer Comment (2026-08-19): Bid tape total dept ratio corrected. Exception cleared. Buyer Comment (2026-08-18): Bid tape corrected |
08/19/2026 | No | 1 | A | A | A | A | A | WA | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 225999059 | [Redacted] | [Redacted] | 37201296 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 225999065 | [Redacted] | [Redacted] | 37076599 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No valid change of circumstances provided. | Reviewer Comment (2026-07-31): [redacted]received a valid COC. Buyer Comment (2026-07-30): There was an exception added on [redacted] and lock was updated with LLPA on [redacted] and re-disclosed on[redacted] which is a valid change. Buyer Comment (2026-07-30): There was an exception added on [redacted] and lock was updated with LLPA on [redacted] and re-disclosed on [redacted] which is a valid change. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | 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 | |||||||||
| 225999065 | [Redacted] | [Redacted] | 37081380 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for There are open repairs for the roofs, balconies, and railings that are not yet completed and required for the HOA year certification. | 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. |
Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-07-29): Client elects to waive with compensating factors. |
07/29/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226000247 | [Redacted] | [Redacted] | 37072370 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-09-18): Received Final Title Policy. Exception cleared. |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | |||||||||||||||
| 226000247 | [Redacted] | [Redacted] | 37072373 | 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 (2026-09-18): Received revised note mentioned loan is not LLC. Exception cleared. Buyer Comment (2026-09-16): please see attached resigned Note w/LLC verbiage removed Reviewer Comment (2026-08-27): A revised Note reflecting the final vesting solely in the individual borrower's name is missing. Exception remains. Buyer Comment (2026-08-26): here is the Final Title Policy showing the loan is not in an LLC Buyer Comment (2026-08-26): i was informed that qc deed was signed at closing removing vesting from LLC to an individual. here are copies of the resigned mortgage and qc deed Reviewer Comment (2026-08-25): No new document received. The referenced document is Articles of Organization and require operating agreement (A legal document that outlines the ownership structure, management responsibilities, operating rules, and rights and obligations of members of a Limited Liability Company) with ownership percentage. Exception remains. Buyer Comment (2026-08-21): please clarify need for operating agreement. uploaded Articles of Organization doc [redacted]states it is stamped a "certified true copy taken from and compared with the original on file" and stamp is signed by SC Sec of State rep. this type of legal document is acceptable. please clear condition. Reviewer Comment (2026-08-11): Required operating agreement for the borrowing entity. Exception Remains. Buyer Comment (2026-08-07): please see doc D[redacted] pages [redacted] for articles of organization cert |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226000247 | [Redacted] | [Redacted] | 37082507 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Please provide most recent certificate of Foreign Qualification on business entity from state of [redacted]. Additional requirements mayapply. | Reviewer Comment (2026-09-18): Received revised note mentioned loan is not LLC. Exception cleared. Buyer Comment (2026-09-16): please see attached resigned Note w/LLC verbiage removed Reviewer Comment (2026-08-27): A revised Note reflecting the final vesting solely in the individual borrower's name is missing. Exception remains. Buyer Comment (2026-08-26): i was informed that qc deed was signed at closing removing vesting from LLC to an individual. here are copies of the resigned mortgage and qc deed Reviewer Comment (2026-08-11): Required Certificate of Good Standing on business entity from state of [redacted]dated within [redacted]days of the note date. Exception Remains. Buyer Comment (2026-08-07): please see [redacted]doc D[redacted] and EIN doc D[redacted] |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | MI | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226000247 | [Redacted] | [Redacted] | 37082518 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Please provide certificate of good standing on business entity from state of [redacted]. Additional requirements may apply. | Reviewer Comment (2026-09-18): Received revised note mentioned loan is not LLC. Exception cleared. Buyer Comment (2026-09-16): please see attached resigned Note w/LLC verbiage removed Reviewer Comment (2026-08-27): A revised Note reflecting the final vesting solely in the individual borrower's name is missing. Exception remains. Buyer Comment (2026-08-26): i was informed that qc deed was signed at closing removing vesting from LLC to an individual. here are copies of the resigned mortgage and qc deed Reviewer Comment (2026-08-11): Required Certificate of Good Standing on business entity from state of [redacted] and [redacted]dated within [redacted]days of the note date. Exception Remains. Buyer Comment (2026-08-07): please see [redacted]doc D[redacted] and EIN doc D[redacted] |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226002456 | [Redacted] | [Redacted] | 37086072 | 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. | The Title Preliminary Report in the file doesn't disclose the total Policy coverage amount. Provide evidence of title with sufficient policy coverage. | Reviewer Comment (2026-08-10): Received Title Supplement with policy amount $[redacted]. Exception cleared Buyer Comment (2026-08-07): please see title ox on d[redacted] |
08/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226002457 | [Redacted] | [Redacted] | 37074486 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Missing Signed and Executed Note Addendum - Prepayment in the Loan file. | Reviewer Comment (2026-08-11): Received Note Addendum - Prepayment. Exception cleared. Buyer Comment (2026-08-07): PPP note addendum |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| 226002457 | [Redacted] | [Redacted] | 37097453 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part 1 item #[redacted]reflects a judgment in the amount of $[redacted]. HUD 1 does not reflect payoff of the judgment. Please provide evidence the liens have been satisfied and will not have negative impact on final title policy. | Reviewer Comment (2026-09-01): Received Email Confirmation. Exception Cleared. Buyer Comment (2026-08-28): The final title policy is a post purchase condition. Please clear or escalate the condition. Reviewer Comment (2026-08-24): Received Email conversation stating Judgment on Title cleared. Please provide Final Title Policy with no Judgment or Liens on Subject. Exception remains. Buyer Comment (2026-08-20): judgment cleared |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226002505 | [Redacted] | [Redacted] | 37096267 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | [redacted] months reserve not provided in file. 1003 shows $[redacted] in a[redacted] savings account, but no further documentation was provided to verify the funds. | Reviewer Comment (2026-08-11): Additional asset updated correctly. Exception cleared. Buyer Comment (2026-08-10): please see [redacted] statement doc D[redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226002505 | [Redacted] | [Redacted] | 37096273 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | [redacted] months reserve not provided in file. 1003 shows $[redacted]in a [redacted] savings account, but no further documentation was provided to verify the funds. | Reviewer Comment (2026-08-11): Additional asset updated correctly. Exception cleared. Buyer Comment (2026-08-10): please see [redacted] statement doc D[redacted] |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226002628 | [Redacted] | [Redacted] | 37085496 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Loan Policy amount on the Title report is less than the loan amount | Reviewer Comment (2026-08-12): Provided title with appropriate coverage at $[redacted] Buyer Comment (2026-08-12): title |
08/12/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | B | A | B | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226002741 | [Redacted] | [Redacted] | 37090830 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Title / Service charges fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-08-10): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-06): PCCD, LOX, Label and Check |
08/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | D | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226002741 | [Redacted] | [Redacted] | 37102236 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Note for subject lien that has been provided is missing page [redacted]of the [redacted]page document. | Reviewer Comment (2026-08-06): Complete set of Note received. Exception cleared. Buyer Comment (2026-08-04): Note with all pages |
08/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | B | A | A | D | B | A | A | Non QM | Non QM | No | |||||||||||
| 226002745 | [Redacted] | [Redacted] | 37091948 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit with no valid change of circumstances and insufficient cure was provided to borrower. | Reviewer Comment (2026-08-10): [redacted] Received revised LE for COC dated [redacted]. Buyer Comment (2026-08-07): [redacted] cd & tracking and lock upld, valid coc is on [redacted], extension fee added due to lock expiring. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | 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 | |||||||||
| 226002745 | [Redacted] | [Redacted] | 37091949 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit with no valid change of circumstances and insufficient cure was provided to borrower. | Reviewer Comment (2026-08-10): Cured at closing or within [redacted] of consummation prior to TPR review Buyer Comment (2026-08-07): please cancel, this was cured at closing on final cd section j |
08/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | 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 | |||||||||
| 226002745 | [Redacted] | [Redacted] | 37199482 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | GA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226002750 | [Redacted] | [Redacted] | 37090089 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Verification of tax return fee of $[redacted]was not disclosed on initial LE. No valid change of circumstance or cure was provided. | Reviewer Comment (2026-08-12): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-11): pccd docs upld |
08/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TN | 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 | |||||||||
| 226003015 | [Redacted] | [Redacted] | 37099159 | 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. | Closing Disclosure was not provided to Borrower(s) at least [redacted]business days prior to closing. | Reviewer Comment (2026-08-14): [redacted] received rebuttal and CD dated [redacted] Buyer Comment (2026-08-13): Please note that the borrower's signed on [redacted], so a [redacted] waiting period was observed. Buyer Comment (2026-08-13): Rate was relocked, this doesn't require a [redacted] waiting period for the [redacted] CD. The [redacted] CD was provided within [redacted]s |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226003249 | [Redacted] | [Redacted] | 37097431 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Title - Processing Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Title - Processing Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-08-17): [redacted] received rebuttal suffice Buyer Comment (2026-08-13): This is a regular title fee paid to title, that the borrower shopped for. Doesn't need a COC to increase |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | 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 | |||||||||
| 226003249 | [Redacted] | [Redacted] | 37097432 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 LE but disclosed as $[redacted]on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-08-25): [redacted] received PCCD and LOE Buyer Comment (2026-08-24): PCCD and LOX |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | 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 | |||||||||
| 226003503 | [Redacted] | [Redacted] | 37096111 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Permanent resident card on [redacted] is with expiration date [redacted]and note date is [redacted]. Please provide evidence and proof of approved permanent resident card from [redacted]Security with new expiration date greater than [redacted]. Additional requirement may apply. | Reviewer Comment (2026-08-11): Cleaered. [redacted]form is located in the file. Buyer Comment (2026-08-10): please see govt document to replace permanent resident card, doc [redacted]. it states the permanent resident status is extended for [redacted] past expiration date on perm resident card. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226004447 | [Redacted] | [Redacted] | 37086266 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-08-14): Final Title Policy, cleared |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226004447 | [Redacted] | [Redacted] | 37086379 | 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. | 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 (2026-08-14): Final Title Policy with sufficient coverage, cleared Buyer Comment (2026-08-13): Uploaded final ALTA Title policy, Recorded Deed, and Recorded Deed of Trust to file. Title confirmed file is closed and no further preliminary supplements will be issued. Final Policy and recorded documents satisfy vesting and coverage requirements. Please provide clearance for exception. Buyer Comment (2026-08-13): Final Title docs |
08/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226004447 | [Redacted] | [Redacted] | 37096496 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Subject is a refinance transaction and the current vested owners on title is [redacted], general partnership, not the borrowing individual , [redacted]. Please provide evidence that the [redacted] has an ownership interest in subject in order to verify continuous ownership . | Reviewer Comment (2026-08-14): Corrected deed, cleared Buyer Comment (2026-08-13): Uploaded final ALTA Title policy, Recorded Deed, and Recorded Deed of Trust to file. Title confirmed file is closed and no further preliminary supplements will be issued. Final Policy and recorded documents satisfy vesting and coverage requirements. Please provide clearance for exception. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226004852 | [Redacted] | [Redacted] | 37106446 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Trust rider for security instrument not provided in file. | Reviewer Comment (2026-08-14): Trust rider is not required since the loan is not vested as trust. Exception Cleared. Buyer Comment (2026-08-13): Loan not vested in a trust, trust rider not required |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226004852 | [Redacted] | [Redacted] | 37106448 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Note addendum for Trust Agreement not provided in file. | Reviewer Comment (2026-08-14): Trust Agreement is not required since the loan is not vested as trust. Exception Cleared. Buyer Comment (2026-08-13): Loan not vested in a trust, trust addendum not required |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226005593 | [Redacted] | [Redacted] | 37108887 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] 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. | Closing Disclosure page [redacted]Non-Escrow costs did not include the ground lease amount of $[redacted] per month. A corrected Closing Disclosure was required. | Reviewer Comment (2026-08-11): [redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-08-10): pccd docs and proof sent to bwr upld Reviewer Comment (2026-08-10): [redacted] agreed that the documentation reflects a property cost of $[redacted]per year, which equates to $[redacted]per month. Based on the documentation available, we agree with the $[redacted]monthly amount. Provide corrected CD with LOX to cure reevaluate and re-baseline this exception. Buyer Comment (2026-08-07): we will do a pccd correcting the property cost, please first confirm where you are seeing $[redacted]per month, documentation on [redacted]is showing $[redacted]per year / $[redacted]per month. |
08/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MD | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226005676 | [Redacted] | [Redacted] | 37113119 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | No payoff statement for the subject property was located in the file. | Reviewer Comment (2026-08-14): Received Mortgage payoff document of subject property, information verified. Exception Cleared. Buyer Comment (2026-08-12): Payoff |
08/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Rate/Term | B | A | A | A | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 226006476 | [Redacted] | [Redacted] | 37111708 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase agreement was not provided. | Reviewer Comment (2026-08-13): Received Sales Contract. Exception cleared. Buyer Comment (2026-08-12): sales contract |
08/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226022312 | [Redacted] | [Redacted] | 37117920 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Calculated DTI of [redacted]% matches the final [redacted]DTI. Bid tape data DTI reflects [redacted]%, which needs to be corrected. | Reviewer Comment (2026-08-28): Bid tape data corrected DTI matched. Exception Cleared. Buyer Comment (2026-08-26): Bid tape corrected |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 226022312 | [Redacted] | [Redacted] | 37120800 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The 1008 indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the 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 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. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-20): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-19): exception approval |
08/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | KY | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226030696 | [Redacted] | [Redacted] | 37102811 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | Provide and signed and dated letter of explanation on most recent listing on subject on [redacted] for $[redacted]with evidence listing has been removed from market. Additional requirement may apply. | Reviewer Comment (2026-08-11): Received evidence that the property is off the market. A Letter of Explanation (LOX) regarding the listing expiration is included in the file. Exception Cleared. Buyer Comment (2026-08-07): [redacted]is the listing expiration showing that the listing is expired and attached is evidence the home is off the market |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226030696 | [Redacted] | [Redacted] | 37114466 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | 1008 indicates there is an approved lender exception, however the exception form, approval and compensating factors is missing. | Reviewer Comment (2026-08-11): Received Lender exception. Exception Cleared. Buyer Comment (2026-08-07): Exception |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226031123 | [Redacted] | [Redacted] | 37107430 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-08-13): Received Final Title Exception Cleared. |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226031123 | [Redacted] | [Redacted] | 37107499 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Note and Security Instrument reflect property address "[redacted]. The correct property address is "[redacted]", according to flood certificate, hazard insurance, appraisal report, and USPS Zip Code Lookup. Please provide a corrective addendum to Note and Scrivener's Affidavit to Note with intent to re-record. | Reviewer Comment (2026-08-11): Per rebuttal provided, unit is hard coded on the report and can't be changed to apartment. All other documents reflect apartment and match USPS. Exception cleared Buyer Comment (2026-08-10): rebuttal upld |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226031123 | [Redacted] | [Redacted] | 37107509 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Note and Security Instrument reflect property address [redacted]. The correct property address is "[redacted], according to flood certificate, hazard insurance, appraisal report, and USPS Zip Code Lookup. Please provide a corrective addendum to Note and Scrivener's Affidavit to Note with intent to re-record. | Reviewer Comment (2026-08-11): Received flood certificate. Exception cleared Buyer Comment (2026-08-10): revised flood cert upld |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226031123 | [Redacted] | [Redacted] | 37112369 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted], item [redacted], reflects mortgages with outstanding balances in the amount of $[redacted]. Mortgage payoff statement from RF Mortgage Services dated [redacted] is with an amount of $[redacted]. HUD 1 does not reflect payoff of mortgage liens. Please provide evidence the liens have been released, paid, and will not have a negative impact on the final title policy. | Reviewer Comment (2026-08-13): Received Final Title and outstanding balances has been released. Exception Cleared. Buyer Comment (2026-08-12): final policy upld Reviewer Comment (2026-08-11): Received email rebuttal, loan is closed simultaneously and [redacted]closing statement attached with payoff $[redacted]which matches mortgage payoff statement but title comment outstanding balances in the amount of $[redacted]. Provide evidence the liens have been released, paid, and will not have a negative impact on the final title policy. Exception remains Buyer Comment (2026-08-10): rebutal upld |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226031123 | [Redacted] | [Redacted] | 37124031 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood certificate reflects Apt [redacted]; however, the Note reflects [redacted] | Reviewer Comment (2026-08-11): Received flood certificate. Exception cleared Buyer Comment (2026-08-10): revised flood cert upld to trl docs |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226031123 | [Redacted] | [Redacted] | 37289379 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: PPP | Reviewer Comment (2026-08-21): No new document received. Per available prepayment rider and prepayment Note addendum, prepayment penalty period is [redacted]. Exception cleared. Buyer Comment (2026-08-19): [redacted] respectfully disagrees with [redacted] PPP Designation. Please review PPP Rider ([redacted] ) and generate exception if needed. |
08/21/2026 | No | 1 | A | A | A | A | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 226031705 | [Redacted] | [Redacted] | 37119039 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Reviewer Comment (2026-08-05): Re-validated compliance data questions. Exception cleared. Buyer Comment (2026-08-03): Please advise what the timing issue is with the appraisal the appraisal date is requested [redacted] signed [redacted] and [redacted]shows that the appraisal was delivered on [redacted]. Please advise and clear condition because material aspects are covered. |
08/05/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 226031705 | [Redacted] | [Redacted] | 37119043 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-31): Sufficient Cure Provided At Closing |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226032276 | [Redacted] | [Redacted] | 37118431 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Total amount of $[redacted]exceeds tolerance of $[redacted]. | Reviewer Comment (2026-08-18): Upon further review consumer within [redacted] tolerance requirements. Buyer Comment (2026-08-17): LE delivered on [redacted] in bucket "C" a total of [redacted]of total fees which appears not to be what was calculated on the TRID analysis screen. Please re-review and adjust accumulative amount and rescind the condition Reviewer Comment (2026-08-14): [redacted] received LOE, however lender has included the title - abstract and title examination fee(s) in the [redacted] baseline. However, these fees were not charged to the borrower on the Final CD. A creditor should compare the sum of the charges actually paid by or imposed on the consumer with the sum of the estimated charges on the Loan Estimate that are actually performed. Cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-12): LOE Reviewer Comment (2026-08-11): [redacted] received LOX for rebuttal response. However, the title service fee of $[redacted]and Title enforcement fee of $[redacted]added on initial CD and was not disclosed any of the LE's. Additionally, the settlement fee increase of $[redacted]from baseline of $[redacted]. Fee cannot be re-baseline from initial LE to initial CD without valid changed circumstance. Provide valid COC for the fees were added and increase or Refund cure of $[redacted] FCD) with cure documents in order to clear this exception. Buyer Comment (2026-08-10): TRID |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | 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 | |||||||||
| 226032276 | [Redacted] | [Redacted] | 37118432 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Transfer Tax Fee Amount of $[redacted]exceeds tolerance of $[redacted]. | Reviewer Comment (2026-08-10): Cured at closing or within [redacted] of consummation prior to TPR review Buyer Comment (2026-08-06): Hello the [redacted]transfer tax was credited as a cure. Please see [redacted]. Please rescind condition. Reviewer Comment (2026-08-05): [redacted] received LOE, however fee added while balancing with settlement agent CD is not valid reason for addition of transfer tax. Please provide valid COC why fee was added or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-04): LOE |
08/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IN | 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 | |||||||||
| 226032276 | [Redacted] | [Redacted] | 37256371 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | IN | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226032704 | [Redacted] | [Redacted] | 37117853 | 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 business bank statements for employer '[redacted]' are missing for the period [redacted]. | Reviewer Comment (2026-08-11): Received business bank statements for the period [redacted]. Exception cleared. Buyer Comment (2026-08-10): [redacted] statements upld to trl docs |
08/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226032704 | [Redacted] | [Redacted] | 37117854 | 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 [redacted]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 business bank statements for employer '[redacted]' are missing for the period [redacted]. | Reviewer Comment (2026-08-11): Received business bank statements for the period [redacted]. Exception cleared. Buyer Comment (2026-08-10): [redacted] statements upld to trl docs |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226032704 | [Redacted] | [Redacted] | 37117855 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Waterfall due to business bank statements for employer '[redacted]' are missing for the period [redacted]. | Reviewer Comment (2026-08-13): [redacted] Received Valid COC dated [redacted] along with supporting comments on the exception. Buyer Comment (2026-08-12): aprsl order hist upld, the order was rejected by [redacted]appraisers before it was accepted and the new fee disclosed within [redacted]s Reviewer Comment (2026-08-11): [redacted] COC dated [redacted] stating "complexity" however we required the reason as to what caused the property to be complex .Kindly provide detail reason for complexity in order to clear the exception Buyer Comment (2026-08-10): aprsl history upld, shows notification on [redacted] the fee was increasing, coc is on [redacted] |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | 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 | |||||||||
| 226032704 | [Redacted] | [Redacted] | 37117856 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall due to business bank statements for employer '[redacted]' are missing for the period [redacted]. | Reviewer Comment (2026-08-11): Received business bank statements for the period [redacted]. Exception cleared. Buyer Comment (2026-08-10): [redacted] statements upld |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226032704 | [Redacted] | [Redacted] | 37117857 | 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: [redacted]or more guideline components which could impact the borrower's ability to repay. | Waterfall due to business bank statements for employer '[redacted]' are missing for the period [redacted]. | Reviewer Comment (2026-08-11): Received business bank statements for the period [redacted]. Exception cleared. Buyer Comment (2026-08-10): [redacted] statements upld to trl docs |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226032704 | [Redacted] | [Redacted] | 37117860 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Waterfall due to business bank statements for employer '[redacted]' are missing for the period [redacted]. | Reviewer Comment (2026-08-11): Received business bank statements for the period [redacted]. Exception cleared. Buyer Comment (2026-08-10): [redacted] statements upld to trl docs |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226032704 | [Redacted] | [Redacted] | 37117861 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Waterfall due to business bank statements for employer '[redacted]' are missing for the period [redacted]. | Reviewer Comment (2026-08-11): Received business bank statements for the period [redacted]. Exception cleared. Buyer Comment (2026-08-10): [redacted] statements upld to trl docs |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226032704 | [Redacted] | [Redacted] | 37121817 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing the most recent [redacted]month mortgage pay history for the borrower's departure residence. | Reviewer Comment (2026-08-18): Received revised 1003/1008 reflecting the prior primary residence is owned free and clear. As there is no mortgage obligation on the property, no mortgage payment history is required. Exception cleared. Buyer Comment (2026-08-14): rebuttal and revised 1008/1003 upld |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226032999 | [Redacted] | [Redacted] | 37118298 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form [redacted] was not provided. | - | Apprasisal dated [redacted] is subject to compleation or repairs. A [redacted]was not provided. | Reviewer Comment (2026-08-12): Received updated appraisal document with the appraisal made as as is. Exception Cleared. Buyer Comment (2026-08-10): corrected appraisals |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Rate/Term | C | A | A | A | C | A | C | A | Non QM | Non QM | No | ||||||||||
| 226032999 | [Redacted] | [Redacted] | 37118355 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-08-10): [redacted] received valid COC document Buyer Comment (2026-08-06): LE & COC |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | 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 | C | A | Non QM | Non QM | Yes | |||||||||
| 226032999 | [Redacted] | [Redacted] | 37118356 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-08-10): [redacted] received valid COC document Buyer Comment (2026-08-06): LE & COC |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | 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 | C | A | Non QM | Non QM | Yes | |||||||||
| 226032999 | [Redacted] | [Redacted] | 37118357 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]with no valid change of circumstances and no cure was provided to borrower. | Reviewer Comment (2026-08-12): [redacted] received valid COC dated [redacted] Buyer Comment (2026-08-11): coc Reviewer Comment (2026-08-10): [redacted] received Changed Circumstance dated [redacted], but it does not give sufficient information on why the appraisal 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. Buyer Comment (2026-08-06): LE & COC |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | 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 | C | A | Non QM | Non QM | Yes | |||||||||
| 226033007 | [Redacted] | [Redacted] | 37117565 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-19): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-18): Check again Reviewer Comment (2026-08-11): [redacted] received PCCD, LOE, Refund Check and Proof of Mailing. [redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-08-10): Cure Docs |
08/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | |||||||||
| 226033430 | [Redacted] | [Redacted] | 37119023 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-31): Sufficient Cure Provided At Closing |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MS | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226033430 | [Redacted] | [Redacted] | 37123691 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrowers have only been in title to the property since [redacted] which is not the minimum [redacted] required by guidelines for a cash out transaction. | Reviewer Comment (2026-08-10): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-08-06): Please advise section [redacted]Cash-Out Refi states there is no seasoning requirement for a cash out refinance, as long as one of the Applicants is an original purchaser and their ownership of the subject property is uninterrupted from the subject's original purchase. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226033441 | [Redacted] | [Redacted] | 37122663 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Subject is a refinance transaction and the current vested owners on title is [redacted], not the borrowing entity, [redacted]. Please provide evidence that the guarantor has an ownership interest in subject in order to verify continuous ownership . | Reviewer Comment (2026-08-24): Received Warranty Deed confirming Vesting is in Borrower name as [redacted] purchased from [redacted]. Exception cleared. Buyer Comment (2026-08-20): Deed |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226033555 | [Redacted] | [Redacted] | 37126181 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Bridge loan Closing Disclosure/HUD was not provided in file. | Reviewer Comment (2026-08-13): Document received. Buyer Comment (2026-08-11): please see attached Bridge CD |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226033555 | [Redacted] | [Redacted] | 37126185 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement for second lien and HOA document was not provided in file. | Reviewer Comment (2026-08-13): Document received. Buyer Comment (2026-08-11): please see attached Bridge HOA doc |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226033558 | [Redacted] | [Redacted] | 37125523 | 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 | Primary valuations effective date is [redacted] while the desk review effective date is [redacted] | Reviewer Comment (2026-08-10): CDA effective date[redacted] which matches with the appraisal effective date. Exception Cleared. Buyer Comment (2026-08-06): Reviewed desktop appraisal ([redacted]) and original appraisal 1004 ([redacted]) effective date on both documents matches [redacted]. The [redacted] date referenced is the desktop review's ''Review Date'' (date review was performed), not its effective date. No actual date mismatch exists. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 226033558 | [Redacted] | [Redacted] | 37125559 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was not disclosed on the initial or final LE. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-17): [redacted] received LE dated [redacted] and COC. Buyer Comment (2026-08-13): A valid Change of circumstance (COC) occurred on / due to a consumer requested loan program change, which required the additional $[redacted]Appraisal Review Fee. A A revised LE and COC form were issued on [redacted] resetting the baseline for this fee. Please review [redacted]LE and COC, no tolerance variance exists, please review for clearance. Buyer Comment (2026-08-13): LE and COC |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | C | A | Non QM | Non QM | Yes | |||||||||
| 226033584 | [Redacted] | [Redacted] | 37125934 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland 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. | Waterfall due to HPML: 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]%. Compliant Higher Priced Mortgage Loan | Buyer Comment (2026-08-10): ok to waive |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226033584 | [Redacted] | [Redacted] | 37125935 | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML 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. | The APR on the 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. | Buyer Comment (2026-08-10): ok to waive |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226033584 | [Redacted] | [Redacted] | 37125938 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page[redacted]. | Final Closing Disclosure provided on[redacted] disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page [redacted]. | Reviewer Comment (2026-08-13): [redacted] received more legible copy of final CD Buyer Comment (2026-08-12): cleared copy of signed closing cd upld, the number is a negative, it appeared to reflect as a positive number due to poor copy. Reviewer Comment (2026-08-11): Page [redacted], Section G, of the [redacted] CD shows an aggregate adjustment that is not a negative number. The aggregate adjustment is entered as $[redacted]rather than $-[redacted]. Please provide PCCD, LOE and proof of mailing to address exception. Buyer Comment (2026-08-10): please clarify where you are seeing a discrepancy, page [redacted]shows a total escrow payment of $[redacted] ($[redacted] hoi and $[redacted]taxes). These amounts match page 2. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226033584 | [Redacted] | [Redacted] | 37125939 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]Percent Fee Tolerance was exceeded for the Appraisal Re-Inspection Fee. The Fee Amount is $[redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-12): [redacted] received valid COC document Buyer Comment (2026-08-10): 1004d order history upld, the coc is on [redacted], we ordered the 1004d due to "subject to" appraisal (smoke detectors), history shows we ordered and disclosed $[redacted] to the bwr [redacted], the fee was reduced to $[redacted]on the final cd. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | 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 | |||||||||
| 226033584 | [Redacted] | [Redacted] | 37135147 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] month cash flow analysis for each business account used. The CPA letters do not specify that the use of funds would not affect the business operations | Reviewer Comment (2026-08-14): Received required documentation. Condition cleared. Buyer Comment (2026-08-12): rebuttal upld Reviewer Comment (2026-08-11): The CPA letter does not state that the withdrawal or use of business funds for the subject transaction will not affect business operations. Buyer Comment (2026-08-10): please see cpa letter on [redacted], bullet point #[redacted]shows no adverse affect |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226033586 | [Redacted] | [Redacted] | 37129295 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal document not provided. | Reviewer Comment (2026-08-25): Document provided Buyer Comment (2026-08-25): Please see attached. |
08/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226033586 | [Redacted] | [Redacted] | 37129297 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-25): Appraisal provided Buyer Comment (2026-08-25): Waterfall |
08/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226033586 | [Redacted] | [Redacted] | 37129401 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 disclosed as $[redacted]on initial CD and as $[redacted]on final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-25): [redacted] and [redacted]provided Buyer Comment (2026-08-25): This credit has already been given to the borrower. Please clear condition. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226033586 | [Redacted] | [Redacted] | 37129928 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 disclosed as $[redacted]on initial LE and as $[redacted]on final CD. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-25): [redacted] and [redacted]provided Buyer Comment (2026-08-25): Please review attached. We were advised on [redacted] that the [redacted] required a fee increase. We proceeded with the COC at that time. Please clear condition. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226033586 | [Redacted] | [Redacted] | 37130049 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Primary valuation not provided in file. | Reviewer Comment (2026-08-25): Document provided Buyer Comment (2026-08-25): Waterfall |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226033586 | [Redacted] | [Redacted] | 37135052 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Copy of Title is missing. | The complete title report was not located in the file. (to determine prior originator of the first mortgage paid at closing) | Reviewer Comment (2026-08-25): Document provided Buyer Comment (2026-08-25): Please see attached. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226033586 | [Redacted] | [Redacted] | 37352836 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-25): Sufficient Cure Provided At Closing |
08/25/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||||||||
| 226033587 | [Redacted] | [Redacted] | 37129686 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification and Tax Verification documents are not provided for[redacted] de [redacted]. | Reviewer Comment (2026-08-20): Non-subject property does not need to be documented in the Asset Qualifier Program, exception cleared. Buyer Comment (2026-08-18): This loan was an asset related approval without any income or expenses. We would not need those documents for application or approval. There are no debt ratio on this loan as there are no income on foreign national loans. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226033590 | [Redacted] | [Redacted] | 37136243 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. | - | Appraisal indicates the property is tenant occupied. | Reviewer Comment (2026-08-25): Received updated appraisal report with correct occupancy. Exception cleared. Buyer Comment (2026-08-21): corrected appraisal |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226033593 | [Redacted] | [Redacted] | 37130364 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | 1007 Rent Comparison Schedule not provided | Reviewer Comment (2026-08-13): Short-term rental income documentation provided. Exception cleared. Buyer Comment (2026-08-12): rental docs upld Reviewer Comment (2026-08-12): Received lenders exception approval, however the issue here is the missing 1007 for the subject property. Condition remains. Buyer Comment (2026-08-10): exception aprvl upld |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226033593 | [Redacted] | [Redacted] | 37130367 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Form 1007 or 1025, with Market Rents not provided | Reviewer Comment (2026-08-13): Short-term rental income documentation provided. Exception cleared. Buyer Comment (2026-08-12): short term rental receipts and uw calculation upld to trl docs Reviewer Comment (2026-08-12): Received lenders exception approval, however the issue here is the missing 1007 for the subject property. Condition remains. Buyer Comment (2026-08-10): exception aprvl upld to trl docs |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226033593 | [Redacted] | [Redacted] | 37209912 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided | File is missing the note/closing disclosure for the [redacted] mortgage on the subject property. | Reviewer Comment (2026-08-13): Security Instrument provided for simultaneous lien. Exception cleared. Buyer Comment (2026-08-12): please see note on [redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 226033593 | [Redacted] | [Redacted] | 37209971 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification is missing for this property. | Reviewer Comment (2026-08-13): HOA Verification provided. Exception cleared. Buyer Comment (2026-08-12): please see note on [redacted] |
08/13/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||||||
| 226033607 | [Redacted] | [Redacted] | 37131642 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] 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. | Non-Escrowed Property Costs over Year [redacted] were not disclosed on final CD. | Reviewer Comment (2026-08-19): [redacted] Received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-08-18): Letter Reviewer Comment (2026-08-13): [redacted] Received Corrected PCCD and LOE; however, LOE only states changes related to tolerance cure. Provide updated LOE describing the changes made on PCCD related Non escrowed property cost on page 04. Buyer Comment (2026-08-12): See updated PCCD |
08/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Second Home | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226033607 | [Redacted] | [Redacted] | 37131643 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 addition of Title - Settlement/Closing/Escrow, Title - Document Preparation Fee, Recording Fee, and title- title update fee. No valid change of circumstance or cure provided. | Reviewer Comment (2026-08-13): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-12): Sent out today Buyer Comment (2026-08-12): PCCD with cure |
08/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226033607 | [Redacted] | [Redacted] | 37131644 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 disclosed as $[redacted]on initial CD and as $[redacted] on the final CD without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-08-10): Cured at closing or within [redacted] of consummation prior to TPR review Buyer Comment (2026-08-07): See [redacted]page [redacted]for final CD and the cure is at the bottom of page [redacted] |
08/10/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | GA | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226033607 | [Redacted] | [Redacted] | 37131645 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Transfer Tax disclosed as $[redacted]on initial CD and then as $[redacted]on final CD without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-08-10): Cured at closing or within [redacted] of consummation prior to TPR review Buyer Comment (2026-08-07): See [redacted]page [redacted]for final CD and the cure is at the bottom of page [redacted] |
08/10/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | GA | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226033650 | [Redacted] | [Redacted] | 37125746 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non Business Entity | [redacted] Prepayment Penalty: No prepayment penalties are permissible in the state of [redacted]under[redacted] | No prepayment penalties are permissible in the state of [redacted]. Prepay language states prepay will not exceed maximum permitted by applicable law. | Reviewer Comment (2026-09-02): Received new Note, Note Addendum and Guarantee Agreement. Buyer Comment (2026-08-31): Corrected docs Reviewer Comment (2026-08-06): This issue has been escalated previously. See response below. In the state of [redacted], there are [redacted]different statutes with prepayment penalty requirements and there are different factors which will determine which statute each particular loan falls under. The [redacted]different statues are[redacted] [redacted] ("Chapter [redacted]") and [redacted]Admin Code [redacted]) ("Admin Code"). • [redacted] ("Admin Code") is applicable to consumer purpose loans, RMLA licensees, and [redacted] unit properties. o [redacted] states that "a "borrower may repay a mortgage loan at any time without penalty." o [redacted] defines "residential mortgage loan" or "mortgage loan" to means "any loan primarily for personal, family, or household purposes that is secured by a mortgage, deed of trust, or other equivalent consensual security interest on a one- to four-family dwelling, as defined in section [redacted] (v) of the Truth in Lending Act, Pub. L. [redacted] ([redacted]U.S.C. § [redacted](v)), or residential real estate upon which is constructed or intended to be constructed a dwelling." o Further, for a loan tested under the Admin Code, based on outside counsel's guidance and review of the RMLA, under which the Admin Code is promulgated, first lien loans will be graded EV2-B based on the lack of assignee liability, while subordinate lien loan violations can impact assignees and therefore are graded an EV[redacted] -C. • [redacted] ("Chapter [redacted] ") is applicable to business purpose loans regardless of license type; consumer purpose [redacted] unit properties; loans with interest rates > [redacted]%; and personal property secured by land. o [redacted] states that "Prepayment of a mortgage loan may be made by or on behalf of a mortgagor at any time without penalty." o Under [redacted], a "mortgage loan" is defined as the following: "a loan secured by an interest in real property consisting of land upon which is erected or to be erected, in whole or in part with the proceeds of such loan, a structure containing [redacted] dwelling units, a portion of which structure may be used for nonresidential purposes and upon which interest is taken or contracted for at a rate in excess of $[redacted]for the forbearance of $[redacted]for a year." o A "mortgagor" is defined as "any person other than a corporation liable for the payment of a mortgage loan, and the owner of the real property which secures the payment of a mortgage loan". o Thus, based on outside counsel's guidance in the attached bulletins in relation to the requirements and applicability, a loan to a corporation is exempt from the prepay penalty requirements under Chapter [redacted]and therefore no exception is cited. § For a borrower which is a business entity [only*] that is not a corporation (such as an LLC), an EV[redacted] -B exception is cited (with the client ability to override to EV[redacted] -C). § For borrower which is an individual, an EV-3 exception is cited. § Note: If there is language in the Note which states that the prepay will not exceed the amount permissible by applicable law, the exception will be regraded to an EV[redacted] -B. § *For the reference to "business entity only" above, I notate this since our testing will look at ALL borrowers on the loan. If the only borrower is a business entity that is not a corporation, the EV-[redacted] grading will apply. However, for loans which contain both a non-corporation business entity AND an individual borrower, this will not be considered for EV-[redacted] grading but will be treated as a borrower who is an individual. Buyer Comment (2026-08-04): PER[redacted] gov't site: Although [redacted] passed a law forbidding this type of fee pursuant to[redacted] [redacted] Prepayment of mortgage loan without penalty, there are certain types of loan products and lenders which this law does not apply. Please be aware that the Alternative Mortgage Transactions Parity Act of [redacted], which was enacted by Congress and codified [redacted] addresses the issue of prepayment penalties. This act basically notes that mortgage products other than fixed rate fixed term fully amortized conventional loans can include a prepayment penalty. This would cover any type of adjustable rate mortgage ("ARM") or mortgage product with a balloon note ("Balloon") for all mortgage loans that closed prior to [redacted]. As federal law preempts [redacted] State law, a prepayment penalty on these types of mortgage loan products would be legal. You should be aware that in order to charge a prepayment penalty on an alternative type of mortgage (ARM or Balloon) it needs to be disclosed to the borrower on the Mortgage Note in the section "Borrowers Right to Repay." This section of the Mortgage Note will explain whether there is or is not a prepayment and how the amount of the penalty is calculated. The disclosure of a prepayment penalty can be also found in the Truth-in-Lending statement required by federal law to be sent to a borrower during the application process. This document will have a section titled "Prepayment" and indicate whether you may or will not have to pay a penalty if the loan is paid off early. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | N/A | N/A | No | ||||||||||
| 226033650 | [Redacted] | [Redacted] | 37439218 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Received new Note, Note Addendum and Guarantee Agreement. Please provide a De-stroyed Note Affidavit for the previous signed note. | Reviewer Comment (2026-09-09): Document provided [redacted] Buyer Comment (2026-09-04): Destroyed aff |
09/09/2026 | No | 1 | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | N/A | N/A | No | ||||||||||||||||
| 226033657 | [Redacted] | [Redacted] | 37130188 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-07-31): Sufficient Cure Provided At Closing |
07/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226033657 | [Redacted] | [Redacted] | 37137693 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] 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. | Property is a Leasehold. Lease payment of $[redacted]was not disclosed on Page [redacted] of Final Closing Disclosure. | Reviewer Comment (2026-08-12): [redacted] received Letter of Explanation & Corrected Closing Disclosure Buyer Comment (2026-08-11): please see attached lox & pccd |
08/12/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226033657 | [Redacted] | [Redacted] | 37137695 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Fee increased with no valid Change of Circumstance or sufficient cure provided to the borrower. | Reviewer Comment (2026-08-03): Cured at closing or within [redacted] of consummation prior to TPR review |
08/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 226033657 | [Redacted] | [Redacted] | 37138988 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 due to the increase in survey fee. Valid COC or cure was not provided. | Reviewer Comment (2026-08-12): [redacted] received PCCD and LOE Buyer Comment (2026-08-11): please see attached lox & pccd Reviewer Comment (2026-08-11): [redacted] Received Email communication from title stating survey was require by title company. In order to clear this exception, Provide Corrected PCCD and LOE moving survey fee to section H. Buyer Comment (2026-08-10): please see attached email from title confirming the survey was required for the title insurance policy. please remove from your calculations as it is a third party fee. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | |||||||||
| 226033804 | [Redacted] | [Redacted] | 37121956 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 points disclosed on initial LE as $[redacted], and then on final CD as $[redacted]. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-25): [redacted] received rebuttal comment and as per rate lock. rate change on [redacted]. Buyer Comment (2026-08-24): They increased on the [redacted] appraisal that you didn't have Reviewer Comment (2026-08-20): [redacted] received rebuttal and rate lock but rate lock COC dated [redacted] was already in file and fee was baselined at the LE. However, the discount points were increased from $[redacted]to $[redacted]on CD dated [redacted] an no COC was provided for the same. Please Please provide information as to what changed circumstance occurred (as defined under [redacted]) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-08-18): Attached is the earlier lock that wasn't sent. note the pricing and discount adjustment on page 1. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | |||||||||
| 226034255 | [Redacted] | [Redacted] | 37132730 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI variance. Lenders DTI: [redacted]%. Review DTI: [redacted]%. Variance is due to lender using [redacted]% of business ownership; however, as per the provided CPA letter, the borrower is a [redacted]% owner, so only [redacted]% of the funds were used to qualify. | Reviewer Comment (2026-08-31): Received updated 1008 and bid tape. Condition cleared. Reviewer Comment (2026-08-31): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]. Buyer Comment (2026-08-28): bid tape has been updated, please clear condition Reviewer Comment (2026-08-18): Updated 1008 and 1003 document received with correct DTI . The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception remains Buyer Comment (2026-08-17): please see attached rev 1008 & 1003 for updated DTI [redacted]. child support liability was calculated twice - as $[redacted]as a liability and as $[redacted]as "other liability". Please update on your end. |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226034255 | [Redacted] | [Redacted] | 37132736 | 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 failure due to lender using [redacted]% of business ownership; however, as per the provided CPA letter, the borrower is a [redacted]% owner, so [redacted]% of the funds were used to qualify. | Reviewer Comment (2026-08-31): Received updated 1008 and bid tape. Cleared. Buyer Comment (2026-08-28): bid tape has been updated, please clear condition Reviewer Comment (2026-08-18): Updated 1008 and 1003 document received with correct DTI . The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception remains Buyer Comment (2026-08-17): please see attached rev 1008 & 1003 for updated DTI [redacted]. child support liability was calculated twice - as $[redacted]as a liability and as $[redacted]as "other liability". Please update on your end. |
08/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | KS | 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 | |||||||||
| 226034255 | [Redacted] | [Redacted] | 37132737 | 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: [redacted]or more guideline components which could impact the borrower's ability to repay. | Waterfall failure due to lender using [redacted]% of business ownership; however, as per the provided CPA letter, the borrower is a [redacted]% owner, so [redacted]% of the funds were used to qualify. | Reviewer Comment (2026-08-31): Received updated 1008 and bid tape. Cleared. Buyer Comment (2026-08-28): bid tape has been updated, please clear condition Reviewer Comment (2026-08-18): Updated 1008 and 1003 document received with correct DTI . The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. To correct this, [redacted] would need to provide updated Bid tape for the DTI. Exception remains Buyer Comment (2026-08-17): please see attached rev 1008 & 1003 for updated DTI [redacted]. child support liability was calculated twice - as $[redacted]as a liability and as $[redacted]as "other liability". Please update on your end. |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226034264 | [Redacted] | [Redacted] | 37130380 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-17): Received CDA & updated. Exception cleared. Buyer Comment (2026-08-13): CDA |
08/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OH | Primary | Purchase | D | A | A | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226034264 | [Redacted] | [Redacted] | 37138412 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Non QM | Non QM | Yes | ||||||||||
| 226034962 | [Redacted] | [Redacted] | 37132561 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland 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]HPML Disclosure was not provided. | Buyer Comment (2026-08-10): ok to waive |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226034962 | [Redacted] | [Redacted] | 37132562 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML 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. | Buyer Comment (2026-08-10): ok to waive |
08/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226034962 | [Redacted] | [Redacted] | 37132563 | 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 (2026-08-11): [redacted] received CD dated [redacted] Buyer Comment (2026-08-10): signed initial cd upld |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 226035500 | [Redacted] | [Redacted] | 37134162 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title policy amount of $[redacted]in Commitment title policy is less than the note amount of $[redacted]. | Reviewer Comment (2026-08-11): Updated Title Commitment received and associated. Exception cleared. Buyer Comment (2026-08-11): revised title commitment |
08/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226035500 | [Redacted] | [Redacted] | 37139120 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | The minimum fico score for [redacted]% purchase is [redacted]. Borrower does not meet that requirement. | 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 qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-11): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-07): There is an exception |
08/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OH | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 226035500 | [Redacted] | [Redacted] | 37139128 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226035597 | [Redacted] | [Redacted] | 37133392 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal is missing. | Reviewer Comment (2026-08-10): Received Appraisal Report. Exception cleared. Buyer Comment (2026-08-07): Appraisal |
08/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WI | Primary | Purchase | D | A | D | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 226035597 | [Redacted] | [Redacted] | 37133461 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-08-10): Received Appraisal Report. Exception cleared. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | D | A | D | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226035597 | [Redacted] | [Redacted] | 37133495 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-10): Received Appraisal Report. Exception cleared. |
08/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WI | Primary | Purchase | D | A | D | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226035597 | [Redacted] | [Redacted] | 37138693 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-03): Sufficient Cure Provided At Closing |
08/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WI | Primary | Purchase | Final CD evidences Cure | D | A | D | A | A | A | D | A | Non QM | Non QM | Yes | ||||||||||
| 226035597 | [Redacted] | [Redacted] | 37139471 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing a recent mortgage statement for this property. | Reviewer Comment (2026-08-10): Received mortgage statement for the property. Exception cleared. Buyer Comment (2026-08-07): Statement |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Primary | Purchase | D | A | D | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| 226036273 | [Redacted] | [Redacted] | 37145858 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved to allow rural property at [redacted]% LTV. Conditions for Max [redacted]% LTV/CLTV, Max [redacted] DTI. | 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 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. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-20): Client elects to downgrade and waive with compensating factors. Buyer Comment (2026-08-19): Exception is found in Acuity [redacted]so I'm uncertain what you are looking for with this condition. Please clarify if something additional is required or please clear condition |
08/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226036276 | [Redacted] | [Redacted] | 37139741 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for use of appraised value greater than purchase price. Exception noted on 1008 but the exception document, approval and compensating factors was not found in the file. | Borrower has verified disposable income of at least $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted]points. |
Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-31): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-27): Please see attached. |
08/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226036276 | [Redacted] | [Redacted] | 37139752 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for borrower self-employed less than [redacted]months. Exception noted on [redacted]but exception document, approval and compensating factors was not found in the file. document was not found in the file. | Borrower has verified disposable income of at least $[redacted]. The representative FICO score exceeds the guideline minimum by at least [redacted]points. |
Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-31): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-27): Please see attached |
08/31/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226036276 | [Redacted] | [Redacted] | 37140311 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | The mortgage payoff is missing from the file.from [redacted] | Reviewer Comment (2026-08-31): Payoff received, corresponding mortgage available #[redacted]. Buyer Comment (2026-08-27): Please see attached |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226036276 | [Redacted] | [Redacted] | 37140328 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Pay History not provided | The file is missing the full pay history for the [redacted]mortgage paid at closing. | Reviewer Comment (2026-09-14): Both mortgages were obtained on [redacted], there are no payments due. Buyer Comment (2026-09-10): Please see attached. |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226036276 | [Redacted] | [Redacted] | 37140400 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | A current mortgage statement is missing for this property. | Reviewer Comment (2026-09-14): Document received. Buyer Comment (2026-09-10): Please see attached. |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036284 | [Redacted] | [Redacted] | 37144993 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE is missing in the file. | Reviewer Comment (2026-09-03): Document provided [redacted] Buyer Comment (2026-09-02): Both borrowers are self employed at the same company. The business search was preformed on [redacted] .This is the apporpriate document. Please clear condition. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036284 | [Redacted] | [Redacted] | 37145035 | 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. | Third Party Verification, CPA Letter, Audited or Third Party Prepared YTD P&L, most recent transcript is missing in the file. | Reviewer Comment (2026-09-15): Debt paid off in closing disclosure, excluded. Exception cleared. Buyer Comment (2026-09-11): Please clear condition. Reviewer Comment (2026-09-03): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-09-02): Waterfall |
09/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226036284 | [Redacted] | [Redacted] | 37145036 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to missing Tax Return/Transcript for the most recent year, and [redacted]of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | Third Party Verification, CPA Letter, Audited or Third Party Prepared YTD P&L, most recent transcript is missing in the file. | Reviewer Comment (2026-09-03): Document provided [redacted] Buyer Comment (2026-09-02): Waterfall |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036284 | [Redacted] | [Redacted] | 37145037 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to missing Tax Return/Transcript for the most recent year, and [redacted]of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. | Third Party Verification, CPA Letter, Audited or Third Party Prepared YTD P&L, most recent transcript is missing in the file. | Reviewer Comment (2026-09-03): Document provided [redacted] Buyer Comment (2026-09-02): Waterfall |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036284 | [Redacted] | [Redacted] | 37145038 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Third Party Verification, CPA Letter, Audited or Third Party Prepared YTD P&L, most recent transcript is missing in the file. | Reviewer Comment (2026-09-03): Document provided [redacted] Buyer Comment (2026-09-02): Waterfall |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036284 | [Redacted] | [Redacted] | 37145039 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Third Party Verification, CPA Letter, Audited or Third Party Prepared YTD P&L, most recent transcript is missing in the file. | Reviewer Comment (2026-09-15): Most recent transcript is signed & dated. Exception cleared. |
09/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036284 | [Redacted] | [Redacted] | 37145059 | 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: [redacted]or more guideline components which could impact the borrower's ability to repay. | Third Party Verification, CPA Letter, Audited or Third Party Prepared YTD P&L, most recent transcript is missing in the file. | Reviewer Comment (2026-09-03): Document provided [redacted] Buyer Comment (2026-09-02): Waterfall |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036284 | [Redacted] | [Redacted] | 37147582 | 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 [redacted]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.) | Third party verification was not found in the file for the borrower's corporation. | Reviewer Comment (2026-09-03): Document provided [redacted] Buyer Comment (2026-09-02): Waterfall |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036284 | [Redacted] | [Redacted] | 37147587 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third party verification was not found in the file for the borrower's corporation. | Reviewer Comment (2026-09-03): Document provided [redacted] Buyer Comment (2026-09-02): Waterfall |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226036284 | [Redacted] | [Redacted] | 37147621 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI discrepancy is due to higher negative income from investment properties than calculated on Lender 1008. | Reviewer Comment (2026-09-15): Debt paid off in closing disclosure, excluded. Exception cleared. Buyer Comment (2026-09-11): Please review the figures again. It appears that you are not excluding the [redacted]debts.[redacted] of $[redacted]& $[redacted]. Those [redacted]debts are listed on the final CD as being paid off. Once these figures are corrected on your end, our DTI will match. Please clear condition. |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036284 | [Redacted] | [Redacted] | 37147624 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy is due to higher negative income from investment properties than calculated on Lender 1008. | Reviewer Comment (2026-09-15): Debt paid off in closing disclosure, excluded. Exception cleared. Buyer Comment (2026-09-11): Waterfall |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226036284 | [Redacted] | [Redacted] | 37147631 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI discrepancy is due to higher negative income from investment properties than calculated on Lender 1008. | Reviewer Comment (2026-09-15): Debt paid off in closing disclosure, excluded. Exception cleared. Buyer Comment (2026-09-11): Waterfall |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226036310 | [Redacted] | [Redacted] | 37142597 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-08-12): Received E-Sign Consent. Exception cleared. Buyer Comment (2026-08-11): proof econsent accepted upld |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036310 | [Redacted] | [Redacted] | 37142612 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. | - Housing history reflects a total of ___ reported late payments. | Housing history reflects a total of [redacted] reported late payments. | Reviewer Comment (2026-08-12): Borrower provided a Letter of Explanation (LOX) for the late payment that occurred and the guideline requirements have been satisfied. Exception cleared. Buyer Comment (2026-08-11): please see bwr lox on [redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036474 | [Redacted] | [Redacted] | 37132701 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Evidence of Access to Funds document is missing in the loan file. | Reviewer Comment (2026-08-20): Received operating agreement for [redacted]. Verified [redacted] owner of the business entity. Verified and updated details. Exception Cleared. Buyer Comment (2026-08-19): Borrower is the sole member of the LLC |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226036914 | [Redacted] | [Redacted] | 37143205 | 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 (2026-08-21): Received updated 1003 and 1008 document without SSI income. Exception Cleared. |
08/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | 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 | ||||||||||
| 226036914 | [Redacted] | [Redacted] | 37143207 | 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 [redacted]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.) | Reviewer Comment (2026-08-21): Received updated 1003 and 1008 document without SSI income. Exception Cleared. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226036914 | [Redacted] | [Redacted] | 37143218 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 of $[redacted]not disclosed to borrower until final Closing Disclosure. No valid change in circumstance or cure provided. | Reviewer Comment (2026-08-20): [redacted] Received Valid COC dated [redacted] Buyer Comment (2026-08-19): increase in discount points is due to the borrower requested loan amount increase |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | 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 | |||||||||
| 226036914 | [Redacted] | [Redacted] | 37143228 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Award letter was not found in file. | Reviewer Comment (2026-08-21): Received updated 1003 and 1008 document without SSI income. Exception Cleared. Buyer Comment (2026-08-19): Social Security not needed, removed from application |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036914 | [Redacted] | [Redacted] | 37143251 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Award letter was not found in file. | Reviewer Comment (2026-08-21): Received updated 1003 and 1008 document without SSI income. Exception Cleared. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226036914 | [Redacted] | [Redacted] | 37143266 | 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: [redacted] or more guideline components which could impact the borrower's ability to repay. | Award letter was not found in file. | Reviewer Comment (2026-08-21): Received updated 1003 and 1008 document without SSI income. Exception Cleared. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226036917 | [Redacted] | [Redacted] | 37141073 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI is inline with Lender DTI of [redacted]% provided on [redacted]in file. | Reviewer Comment (2026-08-14): Cleared. Received updated bid tape. Buyer Comment (2026-08-14): please clear, bid tape has been updated. |
08/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226036917 | [Redacted] | [Redacted] | 37141086 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | VOE dated within [redacted]business days of Note date was not found in the file. | Reviewer Comment (2026-08-24): Lender provided post closing VVOE which is allowed per guides. Also provided a lender exception. Cleared. Buyer Comment (2026-08-20): exception aprvl and post close voe upld |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226036917 | [Redacted] | [Redacted] | 37141110 | 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 exception due to VOE dated within [redacted]business days of Note date was not found in the file. | Reviewer Comment (2026-08-24): Lender provided post closing VVOE which is allowed per guides. Also provided a lender exception. Cleared. Buyer Comment (2026-08-20): exception aprvl and post close voe upld to trl docs |
08/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226036917 | [Redacted] | [Redacted] | 37141111 | 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: [redacted]or more guideline components which could impact the borrower's ability to repay. | VOE dated within [redacted]business days of Note date was not found in the file. | Reviewer Comment (2026-08-24): Lender provided post closing VVOE which is allowed per guides. Also provided a lender exception. Cleared. Buyer Comment (2026-08-20): exception aprvl and post close voe upld to trl docs |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226036917 | [Redacted] | [Redacted] | 37144658 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for Non-Warrantable Condo due to critical repairs. Condition for max [redacted]% LTV/CLTV. | 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. |
Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-14): Client elects to downgrade and waive with compensating factors. Buyer Comment (2026-08-12): exception aprvl upld |
08/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 226036917 | [Redacted] | [Redacted] | 37144916 | 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 [redacted]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.) | VOE dated within [redacted]business days of Note date was not found in the file. | Reviewer Comment (2026-08-24): Lender provided post closing VVOE which is allowed per guides. Also provided a lender exception. Cleared. Buyer Comment (2026-08-20): exception aprvl and post close voe upld to trl docs |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226036917 | [Redacted] | [Redacted] | 37144917 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | No valid Change of Circumstance or Lender Cure was found in the file. | Reviewer Comment (2026-08-18): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-17): pccd docs upld |
08/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226036917 | [Redacted] | [Redacted] | 37144919 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VOE dated within [redacted]business days of Note date was not found in the file. | Reviewer Comment (2026-08-24): Lender provided post closing VVOE which is allowed per guides. Also provided a lender exception. Cleared. Buyer Comment (2026-08-20): exception aprvl and post close voe upld to trl docs |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226036917 | [Redacted] | [Redacted] | 37328220 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for post closing VVOE. | 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. |
Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-24): Client elects to waive with compensating factors. |
08/24/2026 | Yes | 2 | B | B | B | B | B | NY | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 226036985 | [Redacted] | [Redacted] | 37142941 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-08-18): Received HUD1 with cash to seller of $[redacted]. Exception Cleared. Buyer Comment (2026-08-14): please see attached proceeds cd from sale of primary residence [redacted] |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226037008 | [Redacted] | [Redacted] | 37138580 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted]reflects litigation and discharge of Lis Pendes filed under Case #[redacted]recorded [redacted]with outstanding balances $TBD. HUD 1 does not reflect payoff of judgment/s . Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-08-26): Cleared. Title commitment notes that the case was dismissed with prejudice and discharge of the lis pendens. Buyer Comment (2026-08-24): No new document was provided, the document you already have, in the line item called out by you, shows: "Dismissal with prejudice of litigation and discharge of Lis Pendens" with case number provided. Reviewer Comment (2026-08-21): No new document received. Require document verifying the recorded discharge/release document. Exception remains. Buyer Comment (2026-08-19): A dismissal with prejudice permanently ends a lawsuit so it cannot be filed again, and a discharge (or release) of lis pendens removes the official public notice warning others about a property dispute. Together, they completely close a court case and clears a property's title. Nothing further is required as the title exception itself says "dismissal with prejudice of litigation and discharge of lis Pendens" |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226037045 | [Redacted] | [Redacted] | 37142735 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226037045 | [Redacted] | [Redacted] | 37142736 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-04): Sufficient Cure Provided At Closing |
08/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226037045 | [Redacted] | [Redacted] | 37148020 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | 1008 indicates there was a lender exception on the loan, however the lender exception form, approval and comp factors are missing. | 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. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-12): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-12): Please see attached. |
08/12/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226037105 | [Redacted] | [Redacted] | 37132939 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo warrantable document is missing in the file. | Reviewer Comment (2026-08-12): Received Limited review approval. Condition cleared. Reviewer Comment (2026-08-12): Received Project Approval was available in the Loan file at Initial review. Please provide documentation from lender/seller confirming the condo/co-op is warrantable. Exception Remains. Buyer Comment (2026-08-10): aprvl certs upld |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226037105 | [Redacted] | [Redacted] | 37141208 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted]month mortgage pay history for the borrowers primary residence. | Reviewer Comment (2026-08-12): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-08-10): the history is on page[redacted] on the credit report provided in file. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226037108 | [Redacted] | [Redacted] | 37148081 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-08-18): Final 1003 provided and associated. Exception Cleared Buyer Comment (2026-08-17): 1003 |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226037108 | [Redacted] | [Redacted] | 37148083 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-08-14): Received title commitment. Exception cleared. Buyer Comment (2026-08-12): Title |
08/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226037108 | [Redacted] | [Redacted] | 37148085 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-08-12): Received insurance, tax and home equity account statement for the property #[redacted]. Exception Cleared. Buyer Comment (2026-08-10): REO |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226037108 | [Redacted] | [Redacted] | 37148110 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception is approved for: Allow [redacted]NSF's in recent [redacted]vs max [redacted]allowed and short sale history. | 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. |
Borrower has been employed in the same industry for more than [redacted] years Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-04): Lender Exception with Compensating Factors provided. |
08/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226037108 | [Redacted] | [Redacted] | 37148114 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence [redacted]Lien | TRID Final Closing Disclosure [redacted] on a [redacted]lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | Seller Closing disclosure document is not provided in file | Reviewer Comment (2026-08-11): [redacted] received seller CD Buyer Comment (2026-08-10): Sellers CD |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226037108 | [Redacted] | [Redacted] | 37149574 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule [redacted] reflects judgments with outstanding balances in the amount of $[redacted], $[redacted]$[redacted], $[redacted]and $[redacted]. HUD 1 does not reflect payoff of judgments and liens. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-08-21): Same Name Affidavit provided [redacted] Buyer Comment (2026-08-19): The title commitment identified the referenced judgments and specifically provided that they could be satisfied by either a release or execution of Not Same Person Affidavits by [redacted]. The required Not Same Person Affidavits were obtained and provided. These were uploaded on[redacted]. As such, the title company's requirements for these matters were satisfied. The title commitment did not require judgment releases and expressly identified executed Not Same Person Affidavits as an acceptable alternative. Accordingly, the judgments were addressed in accordance with the title company's requirements, and [redacted] respectfully requests the condition be cleared. Reviewer Comment (2026-08-18): Require final title policy removing all judgments reported against the borrower. Exception remains Buyer Comment (2026-08-17): Title doc Reviewer Comment (2026-08-14): Required evidence of the liens have been released, paid and will not have negative impact on final title policy. Exception remains. Buyer Comment (2026-08-12): Title |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226043172 | [Redacted] | [Redacted] | 37147806 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved Exception provided to permit a borrower who does not meet tradeline requirement With Compensating Factors: [redacted]% LTV max and [redacted]DTI max. | Borrower has been employed in the same industry for more than [redacted] years. 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 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. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted] Borrower's Own Funds Amount: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-04): Lender Exception with Compensating Factors provided. |
08/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226043172 | [Redacted] | [Redacted] | 37147811 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy missing in file. | Reviewer Comment (2026-08-18): Received hazard policy. Exception cleared. Buyer Comment (2026-08-14): please see attached hoi docs |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226043172 | [Redacted] | [Redacted] | 37147930 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted]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]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. No cure provided. | Reviewer Comment (2026-08-17): [redacted] Received Valid COC dated [redacted] along with lender exception document. Buyer Comment (2026-08-14): lender credit lowered from $[redacted] on [redacted] ICD due to decrease in loan amount and discount points. lowered lender credit as a result of this change, thus is not a negative impact to the borrower as the discount points decrease is more than the lender credit decrease. $[redacted] lender credit difference $[redacted] lower discount pts fee. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226052759 | [Redacted] | [Redacted] | 37132909 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report is missing. | Reviewer Comment (2026-08-06): Received Fraud report for Borrower. Exception Cleared. Seller Comment (2026-08-05): Fraud Report |
08/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226052759 | [Redacted] | [Redacted] | 37132950 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo Warrantable Document is missing in file. Lender stated a Condo Project Waiver is applied as written on 1008. Lender exception approved to follow FNMA guides to give project waiver to [redacted] unit condo. |
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. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-14): Client elects to waive with compensating factors. Seller Comment (2026-08-12): exception approval Seller Comment (2026-08-12): Non QM Exception Form Reviewer Comment (2026-08-11): Received condo questionnaire. Subject property is [redacted] condo and per 1008 form, condo project waiver was marked for [redacted] condo. Require exception form for condo project waiver. Exception remains. Seller Comment (2026-08-07): adding Questionnaire as on other condition. Seller Comment (2026-08-07): Condo Questionnaire Reviewer Comment (2026-08-06): Received Project Approval reflects Property is an [redacted]-unit Condo Attached. Please provide documentation from lender/seller confirming the condo/co-op is warrantable. Exception Remains. Seller Comment (2026-08-05): No [redacted] review required. Document provided on initial submission |
08/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 226052759 | [Redacted] | [Redacted] | 37132951 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: HOA Questionnaire not provided | HOA Questionnaire is missing in file. Condo Warrantable Document is missing in file. Lender stated a Condo Project Waiver is applied as written on 1008. Lender exception approved to follow FNMA guides to give project waiver to [redacted] unit condo. |
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. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-14): Client elects to waive with compensating factors. Seller Comment (2026-08-12): exception approved Seller Comment (2026-08-12): Non QM Exception Form Reviewer Comment (2026-08-11): Received condo questionnaire. Subject property is [redacted] condo and per 1008 form, condo project waiver was marked for [redacted] condo. Require exception form for condo project waiver. Exception remains. Seller Comment (2026-08-07): Condo Q Reviewer Comment (2026-08-06): Received Project Approval reflects Property is an [redacted]-unit Condo Attached. Please provide HOA Questionnaire for the property. Exception Remains. Seller Comment (2026-08-05): From Partner-No [redacted] review required. Document provided on initial submission |
08/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226053528 | [Redacted] | [Redacted] | 37142337 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Missing Note - Addendum Prepayment in the loan file. The document provided is not signed. | Reviewer Comment (2026-08-12): Note - Addendum Prepayment, cleared Buyer Comment (2026-08-11): Prepay |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| 226053530 | [Redacted] | [Redacted] | 37151362 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | The file is missing a copy of the final title policy document. | Reviewer Comment (2026-08-26): Received Final Title Policy is verified and associated, exception cleared. |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226053530 | [Redacted] | [Redacted] | 37151364 | 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. | The provided title commitment does not have a policy amount. A title commitment document with the policy amount is required. | Reviewer Comment (2026-08-26): Received Final Title Policy is verified and associated, exception cleared. Buyer Comment (2026-08-24): Please see attached Final Title Policy showing policy amount of $[redacted] |
08/26/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226053530 | [Redacted] | [Redacted] | 37151374 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226053536 | [Redacted] | [Redacted] | 37152150 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 to $[redacted]without a valid change of circumstance; Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-12): [redacted] received valid COC document Buyer Comment (2026-08-10): coc- loan amount increased so did the points |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | |||||||||
| 226053536 | [Redacted] | [Redacted] | 37152151 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Transfer Tax Fee increased to $[redacted]without a valid change of circumstance; Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-12): [redacted] received valid COC document Buyer Comment (2026-08-10): COC |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | |||||||||
| 226053539 | [Redacted] | [Redacted] | 37151814 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Missing Econsent, blend report shows Econsent pending. | Reviewer Comment (2026-08-21): Received E-Sign Consent document, Exception Cleared. Buyer Comment (2026-08-20): econsent |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | A | B | A | A | Non QM | Non QM | No | ||||||||||
| 226053539 | [Redacted] | [Redacted] | 37151854 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | A | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226053539 | [Redacted] | [Redacted] | 37151855 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | A | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226053539 | [Redacted] | [Redacted] | 37312199 | 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 [redacted] 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. | Loan Estimate not delivered to Borrower(s) within [redacted]business days of application. | Reviewer Comment (2026-09-01): [redacted] received e-consent dated [redacted] Buyer Comment (2026-08-28): [redacted]is the initial application. the borrower signed on [redacted] making the application date [redacted]. [redacted]is the initial LE also signed on [redacted], the same date as the application date. [redacted] is the econsent showing the borrower agreed to edisclosures on [redacted]. We are in compliance. |
09/01/2026 | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | A | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 226053539 | [Redacted] | [Redacted] | 37312200 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]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. | Reviewer Comment (2026-09-17): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-16): PCCD Reviewer Comment (2026-09-01): [redacted] received rebuttal, however cure required for appraisal fee is $[redacted]and for credit report fee is $[redacted]which totals $[redacted]and cure provided is $[redacted]. Please provide additional cure of $[redacted]with cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-28): cured in section J |
09/17/2026 | No | 2 | B | B | B | B | B | FL | 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 | A | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226053539 | [Redacted] | [Redacted] | 37312201 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | : [redacted]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. | Reviewer Comment (2026-09-17): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-16): PCCD submitted Reviewer Comment (2026-09-01): [redacted] received rebuttal, however cure required for appraisal fee is $[redacted]and for credit report fee is $[redacted]which totals $[redacted]and cure provided is $[redacted]. Please provide additional cure of $[redacted]with cure documents which consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-28): cured in section J |
09/17/2026 | No | 2 | B | B | B | B | B | FL | 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 | A | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226053539 | [Redacted] | [Redacted] | 37312202 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]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. ( | Reviewer Comment (2026-09-17): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-16): PCCD submitted Reviewer Comment (2026-09-01): [redacted] received rebuttal, however no COC document available in file for loan amount change. Please provide valid COC document or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-28): transfer taxes increased due to the increased loan amount after the inital LE |
09/17/2026 | No | 2 | B | B | B | B | B | FL | 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 | A | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226053540 | [Redacted] | [Redacted] | 37151386 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of $[redacted]is less than guideline-required disposable income of $[redacted]. | Reviewer Comment (2026-08-13): Received Residual UW worksheet and revalidated REO properties. Exception cleared. Buyer Comment (2026-08-11): RI calculation |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226053541 | [Redacted] | [Redacted] | 37151006 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of [redacted] Status not provided | Permanent resident card not provided in file. | Reviewer Comment (2026-08-27): Corrected 1003 provided, exception cleared. Buyer Comment (2026-08-26): Please see updated 1003 with the correction on the borrowers citizenship and the email from the Loan Processor stating the Perm Resident Alien was previously marked in error. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226053542 | [Redacted] | [Redacted] | 37297499 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Business bank statements for [redacted]and [redacted]were not provided for account #[redacted]and account #[redacted]. | Reviewer Comment (2026-09-01): Received bank statements for [redacted] and [redacted][redacted]for both account #[redacted]and #[redacted]. Exception cleared. Buyer Comment (2026-08-28): [redacted]D[redacted] is [redacted][redacted] is [redacted][redacted][redacted]is [redacted] [redacted] is [redacted] [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 226053542 | [Redacted] | [Redacted] | 37297525 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Business bank statements for [redacted]and [redacted] were not provided for account #[redacted]and account #[redacted]. | Reviewer Comment (2026-09-01): Received bank statements for [redacted] and [redacted][redacted]for both account #[redacted]and #[redacted]. Exception cleared. Buyer Comment (2026-08-28): [redacted]D[redacted] is [redacted][redacted] is [redacted][redacted][redacted]is [redacted] [redacted] is [redacted] [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 226053542 | [Redacted] | [Redacted] | 37297536 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Business bank statements for [redacted]and [redacted] were not provided for account #[redacted]and account #[redacted]. | Reviewer Comment (2026-09-01): Received bank statements for [redacted] and [redacted][redacted]for both account #[redacted]and #[redacted]. Exception cleared. Buyer Comment (2026-08-28): [redacted]D[redacted] is [redacted][redacted] is [redacted][redacted][redacted]is [redacted] [redacted] is [redacted] [redacted] |
09/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||
| 226053542 | [Redacted] | [Redacted] | 37297541 | 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 QM Provision: [redacted]or more guideline components which could impact the borrower's ability to repay. | Business bank statements for [redacted]and [redacted] were not provided for account #[redacted]and account #[redacted]. | Reviewer Comment (2026-09-01): Received bank statements for [redacted] and [redacted][redacted]for both account #[redacted]and #[redacted]. Exception cleared. Buyer Comment (2026-08-28): [redacted]D[redacted] is [redacted][redacted] is [redacted][redacted][redacted]is [redacted] [redacted] is [redacted] [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 226053542 | [Redacted] | [Redacted] | 37297542 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are [redacted]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.) | Business bank statements for [redacted]and [redacted] were not provided for account #[redacted]and account #[redacted]. | Reviewer Comment (2026-09-01): Received bank statements for [redacted] and [redacted][redacted]for both account #[redacted]and #[redacted]. Exception cleared. Buyer Comment (2026-08-28): [redacted]D[redacted] is [redacted][redacted] is [redacted][redacted][redacted]is [redacted] [redacted] is [redacted] [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 226053542 | [Redacted] | [Redacted] | 37297543 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland 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. | Higher-Priced Mortgage Loan disclosure document not provided in file. | Buyer Comment (2026-08-28): wavied |
08/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 226053542 | [Redacted] | [Redacted] | 37297544 | Compliance | Compliance | State Compliance | State HPML | [redacted]HPML 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. | Higher-Priced Mortgage Loan disclosure document not provided in file. | Buyer Comment (2026-08-28): WAIVED |
08/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 226053542 | [Redacted] | [Redacted] | 37297560 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Business bank statements for [redacted]and[redacted]were not provided for account #[redacted]and account #[redacted]. | Reviewer Comment (2026-09-01): Received bank statements for [redacted] and [redacted][redacted]for both account #[redacted]and #[redacted]. Exception cleared. Buyer Comment (2026-08-28): [redacted]D[redacted] is [redacted][redacted] is [redacted][redacted][redacted]is [redacted] [redacted] is [redacted] [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 226053549 | [Redacted] | [Redacted] | 37152192 | 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 [redacted] 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. | Loan Estimate not delivered to Borrower(s) within [redacted]business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. | Reviewer Comment (2026-08-18): [redacted] received earliest e-consent dated [redacted] Buyer Comment (2026-08-17): please see econsent doc [redacted], dated [redacted] |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SD | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226053549 | [Redacted] | [Redacted] | 37152193 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | There is no cure provided in the file. | Reviewer Comment (2026-08-20): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-19): please see attached lox, pccd & check |
08/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | SD | Second Home | 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 | |||||||||
| 226053549 | [Redacted] | [Redacted] | 37152194 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | There is no cure provided in the file. | Reviewer Comment (2026-08-18): [redacted] received earliest e-consent dated [redacted] |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SD | Second Home | 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 | |||||||||
| 226053549 | [Redacted] | [Redacted] | 37152196 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | Verification of employment is not within [redacted]business days of the Note. | Reviewer Comment (2026-08-19): Third party verification of employment received, exception cleared. Buyer Comment (2026-08-17): please see B2 closing voe doc [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SD | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226053549 | [Redacted] | [Redacted] | 37152219 | 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. Loan does not meet [redacted] or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-08-19): Third party verification of employment received, exception cleared. Buyer Comment (2026-08-17): please see B2 closing voe doc [redacted] |
08/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | SD | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226053549 | [Redacted] | [Redacted] | 37152220 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | [redacted]or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-08-19): Third party verification of employment received, exception cleared. Buyer Comment (2026-08-17): please see B2 closing voe doc [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SD | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226053564 | [Redacted] | [Redacted] | 37160304 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Documentation to verify a [redacted]-month housing history is not located in the file. | Reviewer Comment (2026-08-25): Cleared. Buyer Comment (2026-08-25): VOR provided. Please go to [redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226053948 | [Redacted] | [Redacted] | 37145705 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Subject is a refinance transaction and the current vested owners on title is [redacted], not the borrowing entity, [redacted]. Please provide evidence that the guarantor has an ownership interest in subject in order to verify continuous ownership . | Reviewer Comment (2026-08-27): Received Warranty Deed confirming Vesting is in Borrower name as [redacted] purchased from [Redacted]. Exception cleared. Buyer Comment (2026-08-25): War Deed |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226062043 | [Redacted] | [Redacted] | 37152949 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Award Letter is missing document date. | Reviewer Comment (2026-08-17): IRA and CPA letter received. Details verified and updated. Exception cleared. Buyer Comment (2026-08-13): CPA & IRA letters Reviewer Comment (2026-08-11): IRA Distribution award letter is missing document date, require award letter with document date mentioned, Exception remains Buyer Comment (2026-08-10): Please see [redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226062043 | [Redacted] | [Redacted] | 37152957 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | CPA letter is missing document date. | Reviewer Comment (2026-08-17): Dated IRA and CPA letter received. Details verified and updated. Exception cleared. Buyer Comment (2026-08-13): see uploaded Reviewer Comment (2026-08-11): CPA letter is missing document date, require CPA with document date mentioned, Exception remains Buyer Comment (2026-08-10): screen shot |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226062043 | [Redacted] | [Redacted] | 37153052 | 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. | Document date is missing on Award Letter and CPA Letter. | Reviewer Comment (2026-08-17): Corrected IRA and CPA letter received. Details verified and updated. Exception cleared. Buyer Comment (2026-08-13): see uploaded Reviewer Comment (2026-08-11): Document date is missing on IRA Distribution award letter and CPA letter, require both with document date mentioned, Exception remains Buyer Comment (2026-08-10): Please see [redacted] & uploaded doc for CPA letter |
08/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226062043 | [Redacted] | [Redacted] | 37153053 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Document date is missing on Award Letter and CPA Letter. | Reviewer Comment (2026-08-17): Corrected IRA and CPA letter received. Details verified and updated. Exception cleared. Buyer Comment (2026-08-13): see uploaded Reviewer Comment (2026-08-11): Document date is missing on IRA Distribution award letter and CPA letter, require both with document date mentioned, Exception remains Buyer Comment (2026-08-10): Please see [redacted] & uploaded doc for CPA letter |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226062043 | [Redacted] | [Redacted] | 37161343 | 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 [redacted]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.) | File is missing a third party verification dated within [redacted]days prior to the note date verifying the borrower's dates of employment and good standing. | Reviewer Comment (2026-08-17): Dated IRA and CPA letter received. Details verified and updated. Exception cleared. Buyer Comment (2026-08-13): see uploaded Reviewer Comment (2026-08-11): CPA letter is missing document date, require CPA with document date mentioned within 120 days prior to note date, Exception remains Buyer Comment (2026-08-10): Please see [redacted] & uploaded doc for CPA letter |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226062043 | [Redacted] | [Redacted] | 37161374 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a third party verification dated within [redacted]days prior to the note date verifying the borrower's dates of employment and good standing. | Reviewer Comment (2026-08-17): Corrected IRA and CPA letter received. Details verified and updated. Exception cleared. Buyer Comment (2026-08-13): see uploaded Reviewer Comment (2026-08-11): CPA letter is missing document date, require CPA with document date mentioned within 120 days prior to note date, Exception remains Buyer Comment (2026-08-10): Please see [redacted] & uploaded doc for CPA letter |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226062099 | [Redacted] | [Redacted] | 37166869 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-19): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-18): please see attached lox, pccd & check |
08/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226062099 | [Redacted] | [Redacted] | 37166877 | 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 (2026-08-18): Received title preliminary with policy amount. Exception Cleared. Buyer Comment (2026-08-14): please see supplemental report matching loan amount, doc [redacted] |
08/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | B | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 226062231 | [Redacted] | [Redacted] | 37152032 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Per final 1003 secured loan of $[redacted]listed. Require HELOC agreement for secured loan along with the final closing statement and official check/deposit receipt for earnest money of $[redacted]. | Reviewer Comment (2026-08-19): Proceeds from secured loan document received and updated. Exception cleared. Buyer Comment (2026-08-17): please see attached reo proceeds [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226062231 | [Redacted] | [Redacted] | 37152035 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Additional assets are required to cover reserve requirement of [redacted] Months PITIA. | Reviewer Comment (2026-08-19): Proceeds from secured loan document received and updated. Exception cleared. Buyer Comment (2026-08-17): please see attached reo proceeds [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226062231 | [Redacted] | [Redacted] | 37159953 | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided | Please provide most recent [redacted]consecutive months of assets and copy of fully executed final HUD 1, HELOC document/s to support source of closing funds and reserves. Additional requirements may apply. | Reviewer Comment (2026-08-19): Proceeds from secured loan document received and updated. Exception cleared. Buyer Comment (2026-08-17): please see attached reo proceeds [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226062231 | [Redacted] | [Redacted] | 37159967 | Credit | Asset | Asset Documentation | Asset | Asset documentation is missing from the file and required per guidelines. | - | Please provide most recent [redacted]consecutive months of assets and copy of fully executed final HUD 1, HELOC document/s to support source of closing funds and reserves. Additional requirements may apply. | Reviewer Comment (2026-08-19): Proceeds from secured loan document received and updated. Exception cleared. Buyer Comment (2026-08-17): please see attached reo proceeds [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226062311 | [Redacted] | [Redacted] | 37145901 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-12): UCDP with acceptable risk score received, exception cleared Buyer Comment (2026-08-12): ucdp upld showing cu score is under [redacted], please clear. |
08/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TN | Investment | Purchase | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 226062311 | [Redacted] | [Redacted] | 37147882 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy not provided in file. | Reviewer Comment (2026-08-12): Hazard Insurance Policy, cleared Buyer Comment (2026-08-12): hoi upld |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 226062394 | [Redacted] | [Redacted] | 37161003 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226062394 | [Redacted] | [Redacted] | 37161013 | 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]. Missing the lender exception form from file. Lender exception for [redacted]fico at a [redacted]0% LTV |
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. |
Borrower has been employed in the same industry for more than [redacted]years. Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-20): Client elects to waive with compensating factors. Buyer Comment (2026-08-19): LOE Reviewer Comment (2026-08-14): Received lender exception approval for LTV at [redacted] with [redacted]FICO. The approval required an LOE addressing reason for requested deferement and circumstances now supporting "the reason for the inablity to make payment has been resolved and payments to be made timely going forward". The LOE is not located in the file. Buyer Comment (2026-08-12): Exception |
08/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | AZ | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 226062394 | [Redacted] | [Redacted] | 37230296 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception provided for recent credit events. Modification/deferment done in [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. |
Borrower has been employed in the same industry for more than [redacted]years. Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-20): Client elects to waive with compensating factors. Buyer Comment (2026-08-19): See LOE Reviewer Comment (2026-08-14): The approval required an LOE addressing reason for requested deferement and circumstances now supporting "the reason for the inablity to make payment has been resolved and payments to be made timely going forward". The LOE is not located in the file. |
08/20/2026 | Yes | 2 | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| 226062699 | [Redacted] | [Redacted] | 37149710 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. Variance is more than [redacted]. | Tape market rent is $[redacted]and appraisal reflects $[redacted]. | Reviewer Comment (2026-08-17): Bid tape data has been updated as required. Exceptin cleared. Buyer Comment (2026-08-13): [redacted] has updated bid tape to reflect DSCR of [redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226062736 | [Redacted] | [Redacted] | 37153160 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee amount of $[redacted]is charged on Final Closing Disclosure, however not charged on Loan Estimate. $[redacted]over legal limit. There is no cure amount or cure letter in file. | Reviewer Comment (2026-08-12): Cured at closing or within [redacted] of consummation prior to TPR review Buyer Comment (2026-08-10): please cancel, this was cured at closing on the final cd sect j. |
08/12/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | NJ | 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 | |||||||||
| 226062736 | [Redacted] | [Redacted] | 37153161 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. There is no cure amount or cure letter in file. | Reviewer Comment (2026-08-17): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-14): pccd docs upld |
08/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | 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 | |||||||||
| 226062736 | [Redacted] | [Redacted] | 37153162 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee amount of $[redacted]is charged on Final Closing Disclosure, however not charged on Loan Estimate. $[redacted]over legal limit. There is no cure provided or cure letter in file. | Reviewer Comment (2026-08-12): [redacted] received valid rebuttal comment with additional information for an additional appraisal review required. Buyer Comment (2026-08-11): initial locks upld, the program changed from [redacted] [redacted] Conforming [redacted]Yr Fixed Plus to [redacted]- Signature Expanded - Full Doc [redacted]Yr Fixed EXCEPTION (Alt-A) *BestEfforts on [redacted], aprsl review required for new program, coc is on [redacted] |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | 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 | |||||||||
| 226062845 | [Redacted] | [Redacted] | 37160843 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | No valid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-05): Sufficient Cure Provided At Closing |
08/05/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226062845 | [Redacted] | [Redacted] | 37172640 | 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 [redacted]): Creditor did not provide a copy of revised valuation to applicant [redacted] business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Reviewer Comment (2026-08-14): Document [redacted] provided Buyer Comment (2026-08-12): Appraisal receipt |
08/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 226063250 | [Redacted] | [Redacted] | 37158777 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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]percent tolerance was exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]due to Recording fees. No valid Change of Circumstance in file. | Reviewer Comment (2026-08-18): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-17): Sent out today Buyer Comment (2026-08-17): PCCD with cure |
08/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TN | 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 | |||||||||
| 226063295 | [Redacted] | [Redacted] | 37166145 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank [redacted]): 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 tax return was not found in the file. | Buyer Comment (2026-08-13): Approved waiver list Reviewer Comment (2026-08-12): This is an EV2 citing only for informational purposes only. May be waived. Buyer Comment (2026-08-10): Please review the existing tax document package already uploaded in the portal (Pages [redacted]) ([redacted]). Page [redacted]shows borrower's filed [redacted](App for Auto Ext of time to file for tax year [redacted]) Pages [redacted] and [redacted]contain the 1040 Account Transcript. Please review to clear the tax recency condition. |
08/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226063295 | [Redacted] | [Redacted] | 37173192 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification for the [redacted]is not located in the file. | Reviewer Comment (2026-08-12): Appraisal Report is provided in file with no HOA due. Exception cleared. Buyer Comment (2026-08-10): Per page [redacted]of the Exterior Appraisal Report (Pg [redacted][redacted]in the portal) for [redacted], the property is a single Family residence with no HOA dues. Please review the appraisal in the file to clear this condition. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226063374 | [Redacted] | [Redacted] | 37152560 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of organization/formation are missing. | Reviewer Comment (2026-08-17): Received Articles of organization/formation document. Verified and updated details. Exception Cleared. Seller Comment (2026-08-14): articles |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226063374 | [Redacted] | [Redacted] | 37152561 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating agreement is missing. | Reviewer Comment (2026-08-17): Received Operating Agreement document. Verified and updated details. Exception Cleared. Seller Comment (2026-08-14): operating agreement |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226063374 | [Redacted] | [Redacted] | 37152699 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report is missing. | Reviewer Comment (2026-08-17): Received credit report document. Verified and associated correct document. Exception Cleared. Seller Comment (2026-08-14): credit report |
08/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226063374 | [Redacted] | [Redacted] | 37152719 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-08-17): Received final Title policy document. Verified and updated details. Exception Cleared. |
08/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AL | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| 226063374 | [Redacted] | [Redacted] | 37152798 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Require assets for closing to cover cash from borrower. | Reviewer Comment (2026-08-17): Received Bank statements document. Verified and updated details. Exception Cleared. Seller Comment (2026-08-14): assets |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226063374 | [Redacted] | [Redacted] | 37154755 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted]and #[redacted]reflects mortgages with outstanding balances in the amount of $[redacted]. HUD 1 does not reflect payoff of mortgage lien. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-08-17): Received the final Title Policy document. The final Title Policy did not reflect the outstanding mortgage balance. Verified and updated the details. Exception Cleared. Seller Comment (2026-08-14): TITLE Seller Comment (2026-08-14): wires out |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226063374 | [Redacted] | [Redacted] | 37154859 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Please provide most [redacted]consecutive months of assets to support closing costs and reserves. Additional requirements may apply. | Reviewer Comment (2026-08-17): Received the bank statement documents. Reserve requirements have been met. Verified and updated the details. Exception cleared. Seller Comment (2026-08-14): assets |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226063958 | [Redacted] | [Redacted] | 37168907 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy was not provided in the file. | Reviewer Comment (2026-08-17): Received hazard policy with RCE. Exception cleared. Buyer Comment (2026-08-13): hoi/rce upld |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | |||||||||||
| 226063958 | [Redacted] | [Redacted] | 37168908 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-17): Received UCDP. Exception cleared. Buyer Comment (2026-08-13): ucdp upld, cu score is under [redacted] |
08/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | C | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| 226063958 | [Redacted] | [Redacted] | 37169055 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted] 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 final CD dated [redacted] non-escrowed property cost is blank on page [redacted]. | Reviewer Comment (2026-08-21): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-08-20): pccd docs and proof sent to bwr upld |
08/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 226063958 | [Redacted] | [Redacted] | 37169056 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. | Reviewer Comment (2026-08-21): [redacted]: New Exception set for new disclosure. |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | ||||||||||
| 226063958 | [Redacted] | [Redacted] | 37173602 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Rate Lock fee extension was added on Post Closing Disclosure in the amount of $[redacted]. Change of Circumstance supporting change was provided in the file. | Reviewer Comment (2026-08-17): [redacted] received CD and COC Buyer Comment (2026-08-13): [redacted]cd/tracking and initial lock upld, the coc is on [redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| 226063958 | [Redacted] | [Redacted] | 37310063 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted]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. | New Exception set for new disclosure. | Reviewer Comment (2026-08-21): [redacted] received Letter of explanation and Corrected Closing disclosure. |
08/21/2026 | No | 2 | B | B | B | B | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | C | A | C | B | D | A | Non QM | Non QM | Yes | ||||||||||||||
| 226063978 | [Redacted] | [Redacted] | 37168432 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Bridge loan documentation was not provided to verify the terms and conditions for [redacted] | Reviewer Comment (2026-08-13): Closing Disclosure received for the bridge loan. Exception cleared. Buyer Comment (2026-08-12): CD from Bridge |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226063985 | [Redacted] | [Redacted] | 37168541 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy was not found in file. | Reviewer Comment (2026-08-25): Received Title final. Exception cleared. |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226063985 | [Redacted] | [Redacted] | 37168547 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of $[redacted]is less than the note 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. | Reviewer Comment (2026-08-25): Received Title final with corrected loan amount. Exception cleared. Buyer Comment (2026-08-21): TP |
08/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226063985 | [Redacted] | [Redacted] | 37168603 | 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]([redacted]) business days prior to closing. | The Closing Disclosure was issued less than [redacted] days prior to closing and received by the borrower less than [redacted] business days prior to closing. | Reviewer Comment (2026-08-24): [redacted] received CD dated [redacted] Buyer Comment (2026-08-21): ICD |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226063985 | [Redacted] | [Redacted] | 37173770 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Loan transaction did not pay off a lender to lender originated mortgage. The [redacted] form was used, however the [redacted]RTC form should have been used. Please provide the corrected RTC with a new rescission period (does not need to be signed), letter to borrower explaining the issue and the mailing label. Borrower must receive the Corrected package at least [redacted] business days prior to the new expiration date on the corrected RTC. | Reviewer Comment (2026-08-25): Received Corrected H-8 RTC as required. Exception cleared. Buyer Comment (2026-08-21): RTC |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226063985 | [Redacted] | [Redacted] | 37344635 | Compliance | Compliance | Federal Compliance | TILA | TILA Notice of Right to Cancel Expiration Date greater than Deal Start Date. | Rescission expiration date provided by lender on Notice of Right to Cancel has not expired as of time of review. | Reviewer Comment (2026-09-02): Rescission expired. Buyer Comment (2026-08-31): recission expired |
09/02/2026 | No | 1 | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226063989 | [Redacted] | [Redacted] | 37168918 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | No evidence of omitted installment obligations was identified, and also the departure property PITIA was not excluded because the borrower's equity in the property could not be verified due to the absence of an appraisal, BPO, or AVM. | Reviewer Comment (2026-09-21): The property located at [redacted] is currently listed for sale. The borrower provided a Listing Agreement and Appraisal Report to support the sale. The installment liabilities will be paid in full prior to closing, as verified through the [redacted] bridge loan Closing Disclosure (CD). Exception cleared. Buyer Comment (2026-09-18): Please see attached. Reviewer Comment (2026-09-03): The property [redacted] was omitted from the DTI calculation, and the supporting documentation required to verify the bridge loan is missing from the file. Exception remains. Buyer Comment (2026-09-01): Please see the CD from the sale of the home to clear condition. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226063989 | [Redacted] | [Redacted] | 37168930 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement for [redacted]lien is missing, and also the borrower's equity in the property could not be verified due to the absence of an appraisal, BPO, or AVM in order to exclude the PITIA of the departure residence. | Reviewer Comment (2026-09-21): Received the property located at [redacted] bridge loan Closing Disclosure (CD) to verify [redacted]nd lien. The property located at [redacted] is currently listed for sale. The borrower provided a Listing Agreement and Appraisal Report to support the sale. Exception cleared. Buyer Comment (2026-09-18): Waterfall Reviewer Comment (2026-09-03): The supporting documentation required to verify the bridge loan of property [redacted] is missing from the file. Exception remains. Buyer Comment (2026-09-01): Please see attached. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226063989 | [Redacted] | [Redacted] | 37168936 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Supporting documents to evidence bridge loan funds are missing. | Reviewer Comment (2026-09-21): Received the Closing Disclosure for the bridge loan to verify the source of assets. Exception cleared. Buyer Comment (2026-09-18): Waterfall |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226063989 | [Redacted] | [Redacted] | 37168940 | 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 DTI exception. | Reviewer Comment (2026-09-21): The property located at [redacted] is currently listed for sale. The borrower provided a Listing Agreement and Appraisal Report to support the sale. The installment liabilities will be paid in full prior to closing, as verified through the [redacted] bridge loan Closing Disclosure (CD). Exception cleared. Buyer Comment (2026-09-18): Waterfall |
09/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226063989 | [Redacted] | [Redacted] | 37168941 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall due to DTI exception. | Reviewer Comment (2026-09-21): Received the property located at [redacted] bridge loan Closing Disclosure (CD). The property located at [redacted] is currently listed for sale. The borrower provided a Listing Agreement and Appraisal Report to support the sale. Exception cleared. Buyer Comment (2026-09-18): Waterfall Reviewer Comment (2026-09-03): The property [redacted] was omitted from the DTI calculation, and the supporting documentation required to verify the bridge loan is missing from the file. Exception remains. Buyer Comment (2026-09-01): Waterfall |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226063989 | [Redacted] | [Redacted] | 37168942 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The departure property PITIA was not excluded because the borrower's equity in the property could not be verified due to the absence of an appraisal, BPO, or AVM. | Reviewer Comment (2026-09-21): Received the Closing Disclosure for the bridge loan to verify the source of assets. The property located at [redacted] is currently listed for sale and provided Listing Agreement and Appraisal report to support. Exception cleared. Buyer Comment (2026-09-18): Waterfall Reviewer Comment (2026-09-03): The property [redacted] was omitted from the DTI calculation, and the supporting documentation required to verify the bridge loan is missing from the file. Exception remains. Buyer Comment (2026-09-01): Waterfall |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226063989 | [Redacted] | [Redacted] | 37168943 | 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 [redacted] 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.) | Supporting documents to evidence bridge loan funds are missing, and the departure property PITIA was not excluded because the borrower's equity in the property could not be verified due to the absence of an appraisal, BPO, or AVM. | Reviewer Comment (2026-09-21): Received the Closing Disclosure for the bridge loan to verify the source of assets. The property located at [redacted] is currently listed for sale and provided Listing Agreement and Appraisal report to support. Exception cleared. Buyer Comment (2026-09-18): Waterfall |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226063989 | [Redacted] | [Redacted] | 37168945 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]. No valid COC. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226063989 | [Redacted] | [Redacted] | 37168948 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Supporting documents to evidence bridge loan funds are missing. | Reviewer Comment (2026-09-21): Received the Closing Disclosure for the bridge loan to verify the source of assets. Exception cleared. Buyer Comment (2026-09-18): Waterfall |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226063989 | [Redacted] | [Redacted] | 37168949 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Supporting documents to evidence bridge loan funds are missing. | Reviewer Comment (2026-09-21): Received the Closing Disclosure for the bridge loan to verify the source of assets. Exception cleared. Buyer Comment (2026-09-18): Waterfall |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226063989 | [Redacted] | [Redacted] | 37168950 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | No evidence of omitted installment obligations was identified, and also the departure property PITIA was not excluded because the borrower's equity in the property could not be verified due to the absence of an appraisal, BPO, or AVM. | Reviewer Comment (2026-09-21): The property located at [redacted] is currently listed for sale. The borrower provided a Listing Agreement and Appraisal Report to support the sale. The installment liabilities will be paid in full prior to closing, as verified through the [redacted] bridge loan Closing Disclosure (CD). Exception cleared. Buyer Comment (2026-09-18): Please see attached. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226063995 | [Redacted] | [Redacted] | 37173479 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Safe Report. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Safe Report Fee was not disclosed on the Loan Estimate. 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 (2026-08-19): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-18): PCCD with cure , sent out today |
08/19/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | 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 | |||||||||
| 226064014 | [Redacted] | [Redacted] | 37152504 | 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. | The Title Commitment or Preliminary title policy amount is blank. Title Policy amount is missing in the report. | Reviewer Comment (2026-08-17): Received Title Supplemental. Exception Cleared. Buyer Comment (2026-08-13): Supplement |
08/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 226064016 | [Redacted] | [Redacted] | 37152722 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy was not found in file. | Reviewer Comment (2026-08-27): HOI provided, exception cleared. Buyer Comment (2026-08-26): hoi |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 226064016 | [Redacted] | [Redacted] | 37173625 | 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) ___. | DSCR discrepancy due to mixed-use property requirement of [redacted]not met. Exception indication on 1008 was not found in file. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Reserves: [redacted] Guideline Requirement: [redacted] |
Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-08-27): Lender exception provided Buyer Comment (2026-08-26): exception |
08/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||
| 226064016 | [Redacted] | [Redacted] | 37173900 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | The Borrower did not sign as an individual on the Note and a Guarantee agreement was not in the loan file. | Reviewer Comment (2026-09-04): Note signature lines updated. Guarantor agreement no longer required, cleared Buyer Comment (2026-09-04): Correct Note that was signed at closing |
09/04/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 226064017 | [Redacted] | [Redacted] | 37160465 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-08-13): Final Title Policy, cleared |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||||
| 226064017 | [Redacted] | [Redacted] | 37160475 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Coverage is less than Original Loan Amount. The title commitment 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 title preliminary/commitment report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-08-13): Final Title Policy with sufficient coverage, cleared Buyer Comment (2026-08-13): Title |
08/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| 226064017 | [Redacted] | [Redacted] | 37173682 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for [redacted] pt credit score variance to allow for [redacted]% LTV | 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] |
Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-08-06): Client elects to waive with compensating factors. |
08/06/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||
| 226064789 | [Redacted] | [Redacted] | 37168558 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | The Note & security instrument reflects the business entity name as "[redacted]," while the provided title, appraisal, hazard insurance policy, Operating agreement, Articles of organization, certificate of good standing and Employer Identification Number (EIN) shows "[redacted]C." Please provide corrected note, security instrument, riders evidencing the correct entity name to resolve the discrepancy. | Reviewer Comment (2026-09-23): Received corrected note and security documents as required. Exception cleared. Buyer Comment (2026-09-22): please see attached resigned Note and Personal Guaranty updating LLC name to [redacted] and resigned corrective Mortgage with PrePayment rider added Reviewer Comment (2026-08-19): The corrected Note and Riders evidencing the correct entity name have not been received in the trailing documents. Exception Remains. Buyer Comment (2026-08-18): see attached recorded mortgage. LLC name was corrected prior to recording |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226064789 | [Redacted] | [Redacted] | 37168569 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The Note & security instrument reflects the business entity name as "[redacted]," while the provided title, appraisal, hazard insurance policy, Operating agreement, Articles of organization, certificate of good standing and Employer Identification Number (EIN) shows "[redacted]." Please provide corrected note, security instrument, riders evidencing the correct entity name to resolve the discrepancy.discrepancy. | Reviewer Comment (2026-09-23): Received corrected note and security documents as required. Exception cleared. Buyer Comment (2026-09-22): please see attached resigned Note and Personal Guaranty updating LLC name to [redacted] and resigned corrective Mortgage with PrePayment rider added Reviewer Comment (2026-08-19): The corrected Note and Riders evidencing the correct entity name have not been received in the trailing documents. Exception Remains. Buyer Comment (2026-08-18): see attached recorded mortgage. LLC name was corrected prior to recording |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226064789 | [Redacted] | [Redacted] | 37168578 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The Note & security instrument reflects the business entity name as "[redacted]," while the provided title, appraisal, hazard insurance policy, Operating agreement, Articles of organization, certificate of good standing and Employer Identification Number (EIN) shows "[redacted]." Please provide corrected note, security instrument, riders evidencing the correct entity name to resolve the discrepancy.discrepancy. | Reviewer Comment (2026-09-23): Received corrected note and security documents as required. Exception cleared. Buyer Comment (2026-09-22): please see attached resigned Note and Personal Guaranty updating LLC name to [redacted] and resigned corrective Mortgage with PrePayment rider added Reviewer Comment (2026-08-19): The corrected Note and Riders evidencing the correct entity name have not been received in the trailing documents. Exception Remains. Buyer Comment (2026-08-18): see attached recorded mortgage. LLC name was corrected prior to recording |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226064789 | [Redacted] | [Redacted] | 37168582 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | The Note & security instrument reflects the business entity name as "[redacted]," while the provided title, appraisal, hazard insurance policy, Operating agreement, Articles of organization, certificate of good standing and Employer Identification Number (EIN) shows "[redacted]." Please provide corrected note, security instrument, riders evidencing the correct entity name to resolve the discrepancy.discrepancy. | Reviewer Comment (2026-09-23): Received corrected note and security documents as required. Exception cleared. Buyer Comment (2026-09-22): please see attached resigned Note and Personal Guaranty updating LLC name to [redacted] and resigned corrective Mortgage with PrePayment rider added Reviewer Comment (2026-08-19): The corrected Note and Riders evidencing the correct entity name have not been received in the trailing documents. Exception Remains. Buyer Comment (2026-08-18): see attached recorded mortgage. LLC name was corrected prior to recording |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226064789 | [Redacted] | [Redacted] | 37168589 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The Note & security instrument reflects the business entity name as "[redacted]," while the provided title, appraisal, hazard insurance policy, Operating agreement, Articles of organization, certificate of good standing and Employer Identification Number (EIN) shows "[redacted]." Please provide corrected note, security instrument, riders evidencing the correct entity name to resolve the discrepancy.discrepancy. | Reviewer Comment (2026-09-23): Received corrected note and security documents as required. Exception cleared. Buyer Comment (2026-09-22): please see attached resigned Note and Personal Guaranty updating LLC name to [redacted] and resigned corrective Mortgage with PrePayment rider added Reviewer Comment (2026-08-19): The corrected Note and Riders evidencing the correct entity name have not been received in the trailing documents. Exception Remains. Buyer Comment (2026-08-18): see attached recorded mortgage. LLC name was corrected prior to recording |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226064789 | [Redacted] | [Redacted] | 37168590 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | The Note & security instrument reflects the business entity name as "[redacted]," while the provided title, appraisal, hazard insurance policy, Operating agreement, Articles of organization, certificate of good standing and Employer Identification Number (EIN) shows "[redacted]." Please provide corrected note, security instrument, riders evidencing the correct entity name to resolve the discrepancy.discrepancy. | Reviewer Comment (2026-09-23): Received corrected note and security documents as required. Exception cleared. Buyer Comment (2026-09-22): please see attached resigned Note and Personal Guaranty updating LLC name to [redacted] and resigned corrective Mortgage with PrePayment rider added Reviewer Comment (2026-08-19): The corrected Note and Riders evidencing the correct entity name have not been received in the trailing documents. Exception Remains. Buyer Comment (2026-08-18): see attached recorded mortgage. LLC name was corrected prior to recording |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226064797 | [Redacted] | [Redacted] | 37168267 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted]([redacted]) business days prior to closing. | Revised Loan Estimate provided on[redacted] was not received by the borrower at least [redacted]([redacted]) business days prior to closing. | Reviewer Comment (2026-08-17): [redacted] Received disclosure summary showing LE viewed by borrower on [redacted]/[redacted]. Buyer Comment (2026-08-14): Disclosure Tracking |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226064805 | [Redacted] | [Redacted] | 37169042 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Business Entity Name ([redacted]) is missing in the Note Document. | Reviewer Comment (2026-08-31): Updated note, cleared Buyer Comment (2026-08-28): corrected note |
08/31/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226064805 | [Redacted] | [Redacted] | 37173289 | Credit | Credit | Credit Eligibility | Credit | Refi Purpose reflects Rate/Term and cash out is greater than the lesser of [redacted]% of the loan amount or $[redacted]. | Refi Purpose reflects Rate/Term and cash out is greater than the lesser of [redacted]% of the loan amount or $[redacted]. | Reviewer Comment (2026-09-01): No new document received. The subject transaction is delayed finance. Initial purchase HUD-1 is available with no loan taken and per subject transaction HUD-1, no lien is being paid off. Exception cleared. Buyer Comment (2026-08-28): Please escalate this condition or look up a technical refinance in the guidelines. This is an acceptable use of the loan program since the property was recently aquired. Reviewer Comment (2026-08-28): Final 1003 and 1008 with Loan Purpose "Cash-Out" is required. Exception remains. Buyer Comment (2026-08-26): This is a technical refinance or delayed financing which explains the cash out. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226064805 | [Redacted] | [Redacted] | 37173971 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-09-22): Received Replacement Cost Estimator for the Property. Insured value updated and Exception cleared. Buyer Comment (2026-09-18): rce upld |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | |||||||||||||||
| 226064808 | [Redacted] | [Redacted] | 37168170 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | As per the final 1003 document declaration section, 'will you occupy the property' was selected as 'Yes'. The transaction is an investment, hence a corrected 1003 document is required. | Reviewer Comment (2026-08-20): Received the revised 1003 reflecting the corrected response to the occupancy question, confirming the borrower will not occupy the subject property as their primary residence. Exception cleared. Buyer Comment (2026-08-18): Corrected 1003 |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226064817 | [Redacted] | [Redacted] | 37168714 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within[redacted] days of application. | Earliest ARM loan program disclosure dated [redacted] provided in the file is not within [redacted]([redacted]) days of initial application dated [redacted] | Reviewer Comment (2026-08-21): Received disclosure summary reflecting [redacted] as noted on the ARM disclsoure. Reviewer Comment (2026-08-19): Required ARM disclosure document within [redacted]s of application date. Exception Remains. Buyer Comment (2026-08-18): Disclosure Tracking |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226064837 | [Redacted] | [Redacted] | 37177241 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The loan was qualified by excluding the current PITIA on [redacted]. The property has not been sold and a purchase contract showing no contingencies was not provided. | Reviewer Comment (2026-08-19): Property listing verification received. Exception cleared. Buyer Comment (2026-08-17): Per [redacted] signature expanded Section [redacted] (Sale of Departing Residence) the departure primary residence), the dep primary residence at [redacted] is actively for sale, permitting the PITIA to be omitted from DTI under the verified criteria. Intent letter (Uploaded letter of explanation signed by borrower) Active Listing (Uploaded current Zillow Listing) Equity Verification ( Recent [redacted] statement- [redacted]Verifying an outstanding balance of $[redacted]% equity) and Appraisal ( [redacted][redacted]% LTV) Reserve Requirements (Bank Statements- [redacted]) Buyer Comment (2026-08-17): Listing for [redacted] and LOX intent letter |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226064837 | [Redacted] | [Redacted] | 37177242 | 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. | The loan is an ATR Risk due to excessive ratios | Reviewer Comment (2026-08-19): Property listing verification received. Exception cleared. Buyer Comment (2026-08-17): Docs uploaded for Exception ID [redacted] Buyer Comment (2026-08-17): Listing for [redacted] and LOX intent letter |
08/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | SC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226064837 | [Redacted] | [Redacted] | 37177243 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | The loan is an ATR Risk due to excessive ratios | Reviewer Comment (2026-08-19): Property listing verification received. Exception cleared. Buyer Comment (2026-08-17): Docs uploaded for Exception ID [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226064840 | [Redacted] | [Redacted] | 37173813 | 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. | Waterfall due to QM points and fee. | Reviewer Comment (2026-08-28): Received verification of deposit in file. Exception Cleared. Buyer Comment (2026-08-26): eDisclosure sent on [redacted] with eConsent prior to delivery. Borrower viewed and esigned initial disclosures on [redacted]. Provided full eDisclosure Tracking Log and Audit Trail. |
08/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226064840 | [Redacted] | [Redacted] | 37173814 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Waterfall due to QM points and fee. | Reviewer Comment (2026-08-28): Received verification of deposit in file. Exception Cleared. Buyer Comment (2026-08-26): eDisclosure sent on [redacted] with eConsent prior to delivery. Borrower viewed and esigned initial disclosures on [redacted]. Provided full eDisclosure Tracking Log and Audit Trail. |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226064840 | [Redacted] | [Redacted] | 37173815 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to QM points and fee. | Reviewer Comment (2026-08-28): Received verification of deposit in file. Exception Cleared. |
08/28/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226064840 | [Redacted] | [Redacted] | 37173816 | 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 [redacted] 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. | Reviewer Comment (2026-08-27): [redacted] Received earliest E-Consent dated [redacted]. Buyer Comment (2026-08-26): eDisclosure sent on [redacted] with eConsent prior to delivery. Borrower viewed and esigned initial disclosures on [redacted]. Provided full eDisclosure Tracking Log and Audit Trail. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226064840 | [Redacted] | [Redacted] | 37173817 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226064862 | [Redacted] | [Redacted] | 37177256 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-17): E-Disclosure document associated. Exception cleared. Buyer Comment (2026-08-14): eDisclosure tracking Buyer Comment (2026-08-14): Attached eDisclosure Tracking audit log confirming Borrower [redacted] accepted eConsent on [redacted] AM EDT prior to signing disclosures. Please review for clearance. Buyer Comment (2026-08-14): eDisclosure Tracking audit log |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226064992 | [Redacted] | [Redacted] | 37173883 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 disclosed as $[redacted]on the initial Loan Estimate but disclosed as $[redacted]on the Final Closing Disclosure. A valid change of circumstance was not provided for the fee increase. | Reviewer Comment (2026-08-13): [redacted] received a valid COC. Buyer Comment (2026-08-12): Please see the attached rebuttal. The appraisal management company advised of the appraisal fee increase. At this time, we disclosed the change to the borrower. Please clear condition. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | 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 | |||||||||
| 226065064 | [Redacted] | [Redacted] | 37467366 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Fixed Compliant | [redacted] Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of [redacted]+ [redacted]%, or [redacted]%. Compliant SubPrime Loan. | No | 1 | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||||
| 226065064 | [Redacted] | [Redacted] | 37175871 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Provided) | [redacted] Loan: Counseling Disclosure not provided to borrower. | Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-08-25): Counseling disclosure provided. Reviewer Comment (2026-08-20): The exception is only an EV2 which is for informational purposes only. May be waived. Buyer Comment (2026-08-18): For condition clearing reference Buyer Comment (2026-08-18): RESOLUTION: For [redacted], borrower signature date would be acceptable for the [redacted] timing Test (see attached email for reference) Reviewer Comment (2026-08-17): Required [redacted] Loan Counseling Disclosure within [redacted] days of the application. Exception Remains. Buyer Comment (2026-08-14): RESOLUTION: [redacted]: validated [redacted], disclosure located in eFolder, uploaded disclosure |
08/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 226065064 | [Redacted] | [Redacted] | 37175872 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted]m of the Banking Law. | Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted]-m of the Banking Law. | Reviewer Comment (2026-08-13): As per response verified verbiage for [redacted] Loan Legend in security instrument. Exception Cleared. Buyer Comment (2026-08-11): Please see Doc ID [redacted] under pg [redacted]for Security Instrument showing [redacted]. |
08/13/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226065064 | [Redacted] | [Redacted] | 37175873 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Fixed Non-Compliant | [redacted] Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of [redacted] Rate [redacted]+ [redacted]%, or [redacted]%. Non-Compliant [redacted] Loan. | PR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [redacted]% + [redacted]%, or [redacted]%. Non-Compliant Subprime Loan. | Reviewer Comment (2026-09-03): Updated application date. Cleared. Reviewer Comment (2026-09-01): Exception remains. Due diligence is unable to clear. Reviewer Comment (2026-08-20): EV2 exception for informational purposes. May be waived. Reviewer Comment (2026-08-20): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted][redacted] is equal to or greater than the threshold of APOR [redacted]. Compliant Higher Priced Mortgage Loan. Buyer Comment (2026-08-18): Please amend exception verbiage to read "Compliant SubPrime Loan" based on submitted cure documentation |
09/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226065064 | [Redacted] | [Redacted] | 37175875 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under-disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted], which exceeds the $[redacted]threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]. | Reviewer Comment (2026-08-17): [redacted] received additional information on services provided on UCC searhc Buyer Comment (2026-08-14): Regarding the $[redacted]fee, a UCC Search Fee pays for looking up existing public business liens which is a due diligence expense and isn't a charge for an extension of credit. Please do not consider this as an APR fee. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226065064 | [Redacted] | [Redacted] | 37175876 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | The file is missing a valid Change of Circumstance for [redacted]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. | Reviewer Comment (2026-08-25): [redacted] received valid COC document Buyer Comment (2026-08-21): Rebuttal Letter uploaded. Please cancel exception as referenced documents were uploaded: [redacted]title, and [redacted]COC. Reviewer Comment (2026-08-20): [redacted] received rebuttal comment and is valid reason for increase in fee but there is no supporting COC or LOX provided in file to document the same along with the file. Please provide COC with supporting documents when lender has became aware of the change. Buyer Comment (2026-08-18): Reference [redacted](page [redacted]) We received updated title on [redacted] stating that we would need an additional recorded document to remove an individual from Title which impacted the transfer taxes. We then we disclosed that change on [redacted] within the three days. The referenced title has comment dated [redacted] to confirm the date of the change of circumstance. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | |||||||||
| 226065064 | [Redacted] | [Redacted] | 37349928 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Provided within Three Days of Application) | [redacted] \ Loan: Counseling Disclosure not provided to borrower within [redacted]days of application. | Counseling disclosure provided not within [redacted] days of application. | Reviewer Comment (2026-09-03): Updated application date. Cleared. Reviewer Comment (2026-09-03): . Reviewer Comment (2026-09-01): Client elects to waive. Buyer Comment (2026-09-01): Attached is the rebuttal form for review. |
09/03/2026 | No | 1 | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| 226065210 | [Redacted] | [Redacted] | 37173947 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification document was not provided in the file for [redacted]. | Reviewer Comment (2026-08-21): Received HOA Verification. Exception cleared. Buyer Comment (2026-08-20): oa verification upld |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226065210 | [Redacted] | [Redacted] | 37173964 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226065245 | [Redacted] | [Redacted] | 37177314 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal desk review fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226065245 | [Redacted] | [Redacted] | 37177315 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Credit report fee amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226065245 | [Redacted] | [Redacted] | 37177322 | 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] | Request for tax return extension has been provided. | Buyer Comment (2026-08-17): ok to waive Reviewer Comment (2026-08-17): Client can elect to waive Reviewer Comment (2026-08-17): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-08-13): personal and [redacted]/Partnership extensions ipld |
08/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226065245 | [Redacted] | [Redacted] | 37177323 | 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]. | Request for tax return extension has been provided. | Buyer Comment (2026-08-17): ok to waive Reviewer Comment (2026-08-17): Client can elect to waive Reviewer Comment (2026-08-17): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-08-13): personal and [redacted]/Partnership extensions upld to trl docs |
08/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| 226065287 | [Redacted] | [Redacted] | 37175756 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | 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. ([redacted]) | Reviewer Comment (2026-08-06): Sufficient Cure Provided At Closing |
08/06/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226065483 | [Redacted] | [Redacted] | 37259902 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Discrepancy in DSCR. | Reviewer Comment (2026-08-24): Received rebuttal. DSCR now lines up. Buyer Comment (2026-08-20): Email thread - tenants [redacted] Buyer Comment (2026-08-20): [redacted] respectfully disagrees with [redacted] response. Per guideline if a lease is in place and will continue after closing, the lesser of the market rents or current rents will generally be utilized. Uploaded please find email correspondence confirming tenant [redacted] which supports 1007. Loan closed [redacted], impossible for bwr to have collected [redacted]' rent Please review and correct [redacted] Reviewer Comment (2026-08-20): Received DSCR worksheet with first page of 1025 appraisal report. Per DSCR worksheet, [redacted] units are tenant occupied. Require lease agreement for both units along with recent [redacted]' rent receipts. Exception remains. Buyer Comment (2026-08-18): DSCR calc, 1007 Buyer Comment (2026-08-18): [redacted] respectfully disagrees with [redacted] calculation of rent. [redacted] is incorrectly using market rent for all [redacted]units; however, two units are currently being rented. True Gross rent is $[redacted](combination of current rents & market rents). $[redacted] Thanks! |
08/24/2026 | No | 1 | A | A | A | A | A | NY | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 226065632 | [Redacted] | [Redacted] | 37175237 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Verification not provided for property located at [redacted] | Reviewer Comment (2026-08-18): Tax Verification associated, Exception Cleared. Buyer Comment (2026-08-17): Uploaded the [redacted][redacted] County Tax Bill Summary confirming tax amounts for [redacted]. Buyer Comment (2026-08-17): [redacted]Tax Bill Summary |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 226065632 | [Redacted] | [Redacted] | 37175405 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | A VVOE dated within [redacted]business days of the note is not located in the file. | Reviewer Comment (2026-08-18): VOE associated, Exception Cleared. Buyer Comment (2026-08-17): Uploaded[redacted] automated VOE completed on [redacted]confirming current employment with [redacted] on the Note date. Buyer Comment (2026-08-17): VOE [redacted] |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 226065632 | [Redacted] | [Redacted] | 37185709 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for non-warrantable condo is approved. Per disposition, [redacted]% max LTV, [redacted]% max DTI. Max [redacted]% of units in the project funded by [redacted]. Leaseback or buyback option is prohibited. Subject to [redacted]pricing. Subject to meeting all other signature expanded guidelines. | 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 guideline required amount by the equivalent of [redacted]months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[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. |
Borrower has been employed in the same industry for more than [redacted]years. Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-07): Client elects to waive with compensating factors. |
08/07/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226065632 | [Redacted] | [Redacted] | 37185786 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VOE provided is dated [redacted], while the note date is[redacted]. | Reviewer Comment (2026-08-18): VOE associated, Exception Cleared. Buyer Comment (2026-08-17): Docs uploaded for VOE to exception [redacted] |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||||||
| 226065793 | [Redacted] | [Redacted] | 37177309 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | The final complete HUD/Closing Disclosure document with all pages is missing from the file. | Reviewer Comment (2026-08-31): Final complete HUD/Closing Disclosure, cleared Buyer Comment (2026-08-28): full copy of signed final ss upld |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226065884 | [Redacted] | [Redacted] | 37171629 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided | Desk Review is required on all loans to support the appraisal value for the transaction. | Reviewer Comment (2026-08-17): CDA provided. Exception cleared. Buyer Comment (2026-08-14): CDA |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226066088 | [Redacted] | [Redacted] | 37185112 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The 1008 reflects that there is a Lender exception to use IO payment for DSCR at [redacted]%LTV however the lender exception approval document is not located in the file. Received lender exception approval to use IO payment at [redacted]% LTV |
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. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-20): Client elects to waive with compensating factors. Buyer Comment (2026-08-18): Exception |
08/20/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226066145 | [Redacted] | [Redacted] | 37170345 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. Variance is more than [redacted]. | Qualified Lowest Income in lease agreement | Reviewer Comment (2026-08-11): Updated bid tape received. Reviewer Comment (2026-08-11): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. |
08/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226066361 | [Redacted] | [Redacted] | 37175867 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-17): CU risk score updated to [redacted]. Secondary valuation not required. Buyer Comment (2026-08-13): Please rescind please review doc [redacted]the [redacted]UCDP is at [redacted]. |
08/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | A | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226066361 | [Redacted] | [Redacted] | 37175930 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No valid COC or lender cure was provided for the increase in [redacted]% Tolerance Fees. | Reviewer Comment (2026-08-17): [redacted] received LOE and valid COC document Buyer Comment (2026-08-13): LOE |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | A | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226066508 | [Redacted] | [Redacted] | 37186600 | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided | Please provide signed and dated letter of explanation on large deposit of $[redacted]in [redacted]account [redacted]on [redacted]with source of large deposit. Additional requirement may apply. | Reviewer Comment (2026-08-25): Letter of explanation provided. Exception cleared. Buyer Comment (2026-08-24): LOE |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226066827 | [Redacted] | [Redacted] | 37186910 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Please provide evidence of relationship with co joint account holder in[redacted]. Additional requirements may apply. | Reviewer Comment (2026-08-27): Not required per guidelines, exception cleared. Buyer Comment (2026-08-27): Guidelines state no access letter is needed. Can you clear or clarify ? " A joint access letter is not needed to use [redacted] of the assets held in an account held jointly with non borrowing account holders" Reviewer Comment (2026-08-24): Please Provide Evidence of Access to Funds for [redacted] as the Bank Statement is shared by Non-Borrower other. Exception remains. Buyer Comment (2026-08-20): Rebuttal |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226066963 | [Redacted] | [Redacted] | 37269658 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted]requirements. Variance is more than [redacted]. | DSCR variation. Lenders DSCR: [redacted]. Review DSCR: [redacted]. Variance is due to review DSCR using the appraisals average lease amount of $[redacted]per month lenders underwriting worksheet showing $[redacted]per month, but no short-term rental documents were not found in the loan file. | Reviewer Comment (2026-08-25): Received AIRDNA document. Exception cleared. Buyer Comment (2026-08-24): Uploaded please find AirDNA supporting monthly rent iao $[redacted]and DSCR of [redacted]. Please review and update [redacted] Buyer Comment (2026-08-24): DSCR Calc - [redacted]; AirDNA |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226066963 | [Redacted] | [Redacted] | 37269709 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | DSCR variation. Lenders DSCR: [redacted]. Review DSCR: [redacted]. Variance is due to review DSCR using the appraisals average lease amount of $[redacted]per month lenders underwriting worksheet showing $[redacted]per month, but no short-term rental documents were not found in the loan file. | Reviewer Comment (2026-08-25): Received AIRDNA document. Exception cleared. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226067313 | [Redacted] | [Redacted] | 37177696 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226067318 | [Redacted] | [Redacted] | 37177929 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-09-04): Received E-Sign Consent Agreement. Exception cleared. Buyer Comment (2026-09-03): eConsent |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067318 | [Redacted] | [Redacted] | 37177942 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-09-15): Hazard Insurance Policy received, exception cleared Buyer Comment (2026-09-11): Hazard insurance Reviewer Comment (2026-09-04): Received Hazard Insurance Policy shows only premium amount. Please provide Hazard Insurance Policy with Dwelling amount and mortgagee clause. Exception remains Buyer Comment (2026-09-03): Hazard |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226067328 | [Redacted] | [Redacted] | 37179652 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Reviewer Comment (2026-08-24): Received initial 1003 application document. Exception Cleared. Buyer Comment (2026-08-20): Please see attached. Reviewer Comment (2026-08-17): Received initial 1003 application is missing with loan originator signature. Exception remains Buyer Comment (2026-08-13): Please see attached |
08/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 226067328 | [Redacted] | [Redacted] | 37179712 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Initial 1003 application missing in loan file. | Reviewer Comment (2026-08-21): [redacted] received signed application dated [redacted] and initial LE issued within that timing requirement. Buyer Comment (2026-08-20): Waterfall Reviewer Comment (2026-08-14): [redacted] received unsigned copy of the application. Provide signed copy of initial application in order to reevaluate and re-baseline this exception. Buyer Comment (2026-08-13): Waterfall |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226067328 | [Redacted] | [Redacted] | 37179720 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[redacted]on the 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. | Reviewer Comment (2026-09-11): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-10): Please see attached. Reviewer Comment (2026-08-19): [redacted] received COC, however COC provided only states rate lock. Please provide valid COC with sufficient information why fee added and also SSR report available in file has CU score [redacted]not [redacted]. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-08-17): Please see attached. Reviewer Comment (2026-08-14): [redacted] received valid rebuttal comment. But supporting COC document was not located in the loan file to associate with [redacted] LE and re-baseline this exception. A valid COC is required in order to re-baseline this exception. Buyer Comment (2026-08-13): Due to a CU score of [redacted], the appraisal review was required. This was disclosed on [redacted] and updated on [redacted]. This was disclosed properly. Please clear condition. |
09/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 226067328 | [Redacted] | [Redacted] | 37313951 | 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] | EV2 exception for informational purposes only. Client may waive. | Buyer Comment (2026-09-15): Please waive |
09/15/2026 | No | 2 | B | B | B | B | B | FL | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 226067330 | [Redacted] | [Redacted] | 37179805 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226067330 | [Redacted] | [Redacted] | 37179806 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226067330 | [Redacted] | [Redacted] | 37179807 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226067339 | [Redacted] | [Redacted] | 37179740 | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. | Borrower is receiving total cash-out of ___ on a purchase transaction. | Reviewer Comment (2026-08-24): gift funds in section L are greater than the amount previously needed to close. Buyer Comment (2026-08-20): The cash back is due to the gift funds exceeding the amount needed to close. This is an allowable reason per [redacted] guidelines. You can see that the gift funds in section L are greater than the amount previously needed to close. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226067343 | [Redacted] | [Redacted] | 37177379 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | File is missing a copy of the Final Title Policy. | Reviewer Comment (2026-09-15): Received Title Final. Exception Cleared. |
09/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | LA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226067343 | [Redacted] | [Redacted] | 37177393 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Executed final HUD/Closing Disclosure was not found in file. | Reviewer Comment (2026-08-25): Received ALTA Final Settlement Statement true and certified copy. Value updated and Exception Cleared. Buyer Comment (2026-08-21): Loan is trid exempt so their isn't a CD Buyer Comment (2026-08-21): FSS |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226067343 | [Redacted] | [Redacted] | 37187800 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part [redacted] items #[redacted].a reflects multiple mortgages with outstanding balances in the amount of $[redacted]. HUD 1 does not reflect payoff of mortgage liens. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-09-15): Received Title Final. Exception Cleared. Buyer Comment (2026-09-11): title email and final policy upld Reviewer Comment (2026-09-01): Received Request for cancellation of Mortgage on title. Please Provide Final Title Policy with mortgage on subject cleared and free. Exception remains. Buyer Comment (2026-08-31): cleared |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226067345 | [Redacted] | [Redacted] | 37178922 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | The lender required DTI of [redacted]% in 1008. Data being used in calculations. Income: $[redacted]. Subject Mortgage P&I $[redacted], Hazard $[redacted]. MI n/a. Taxes $[redacted]and HOA $[redacted]. Non-subject REO $[redacted]. Credit debts $[redacted]. | Reviewer Comment (2026-08-31): Cleaered. Received updated bid tape. Reviewer Comment (2026-08-31): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]. Buyer Comment (2026-08-28): The DTI is [redacted] and bid tape has been corrected Reviewer Comment (2026-08-18): Borrower qualified debt to income ratio of [redacted]% and bid tape data reflects as [redacted]. Bid tape data need to be corrected to match with the qualified debt to income ratio of [redacted]%. Exception Remains. Buyer Comment (2026-08-14): 1008 & 1003 |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226067345 | [Redacted] | [Redacted] | 37178935 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-17): E-Sign Consent Agreement associated, Exception Cleared. Buyer Comment (2026-08-14): audit trail |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226067345 | [Redacted] | [Redacted] | 37179005 | 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 (2026-08-31): Cleaered. Received updated bid tape. Buyer Comment (2026-08-28): The DTI is [redacted] and bid tape has been corrected Reviewer Comment (2026-08-18): Borrower qualified debt to income ratio of [redacted]% and bid tape data reflects as [redacted]. Bid tape data need to be corrected to match with the qualified debt to income ratio of [redacted]%. Exception Remains. Buyer Comment (2026-08-14): see uploaded |
08/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226067345 | [Redacted] | [Redacted] | 37179006 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Application date was [redacted] and Loan Estimate was issued [redacted]. | Reviewer Comment (2026-08-17): Initial application Date updated as [redacted] With Doc id [redacted]. Buyer Comment (2026-08-14): app date is actually [redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067345 | [Redacted] | [Redacted] | 37179007 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] days of application. | Application date was [redacted] and ARM Disclosure was provided [redacted]. | Reviewer Comment (2026-08-18): Initial loan application was not a ARM, as per the COC dated [redacted] loan program changed to ARM. Exception Cleared. Buyer Comment (2026-08-14): app date is actually [redacted] |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226067345 | [Redacted] | [Redacted] | 37179008 | Compliance | Compliance | Federal Compliance | TILA | [redacted] Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within [redacted] days of application. | Application date was[redacted]and CHARM Booklet was provided [redacted]. | Reviewer Comment (2026-08-17): Initial application Date updated as [redacted] With Doc id [redacted]. Buyer Comment (2026-08-14): app date is actually [redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226067345 | [Redacted] | [Redacted] | 37179025 | 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: [redacted]or more guideline components which could impact the borrower's ability to repay. | Waterfall due to the lender required DTI of [redacted]% in 1008. Data being used in calculations. Income: $[redacted]. Subject Mortgage P&I $[redacted], Hazard $[redacted]. [redacted] n/a. Taxes $[redacted]and HOA $[redacted]. Non-subject REO $[redacted]. Credit debts $[redacted]. | Reviewer Comment (2026-08-31): Cleaered. Received updated bid tape. Buyer Comment (2026-08-28): The DTI is [redacted] and bid tape has been corrected Reviewer Comment (2026-08-18): Borrower qualified debt to income ratio of [redacted]% and bid tape data reflects as [redacted]. Bid tape data need to be corrected to match with the qualified debt to income ratio of [redacted]%. Exception Remains. Buyer Comment (2026-08-14): see uploaded |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067349 | [Redacted] | [Redacted] | 37182830 | 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. | ATR failure due to missing income documentation: Third party verification of deposits not provided for interest/dividend income. | Reviewer Comment (2026-08-12): Received UW worksheet is verified and calculated asset deletion income, exception cleared. |
08/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226067349 | [Redacted] | [Redacted] | 37182831 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule B | Ability to Repay (Dodd-Frank 2014): Unable to verify Interest / Dividend income using reasonably reliable third-party records. | Third party verification of deposits not provided for interest/dividend income. | Reviewer Comment (2026-08-12): Received UW worksheet is verified and calculated asset deletion income, exception cleared. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067349 | [Redacted] | [Redacted] | 37182832 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule B | Ability to Repay (Dodd-Frank 2014): Unable to verify Interest / Dividend income using reasonably reliable third-party records. | Third party verification of deposits not provided for interest/dividend income. | Reviewer Comment (2026-08-12): Received UW worksheet is verified and calculated asset deletion income, exception cleared. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067349 | [Redacted] | [Redacted] | 37182833 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to missing oncome documentation: Third party verification of deposits not provided for interest/dividend income. | Reviewer Comment (2026-08-12): Received UW worksheet is verified and calculated asset deletion income, exception cleared. |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067349 | [Redacted] | [Redacted] | 37182868 | 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 [redacted]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.) | ATR failure due to missing income documentation: Third party verification of deposits not provided for interest/dividend income. | Reviewer Comment (2026-08-12): Received UW worksheet is verified and calculated asset deletion income, exception cleared. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067349 | [Redacted] | [Redacted] | 37182873 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third party verification of deposits not provided for interest/dividend income. | Reviewer Comment (2026-08-12): Received UW worksheet is verified and calculated asset deletion income, exception cleared. Seller Comment (2026-08-10): ok, all of those conditions are related to the asset depletion calculation that we did as supplemental income. There doesn't have to be proof of receipt of those deposits to my knowledge. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226067349 | [Redacted] | [Redacted] | 37182878 | 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: [redacted]or more guideline components which could impact the borrower's ability to repay. | ATR failure due to missing income documentation: Third party verification of deposits not provided for interest/dividend income. | Reviewer Comment (2026-08-12): Received UW worksheet is verified and calculated asset depletion income, exception cleared. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067349 | [Redacted] | [Redacted] | 37182912 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Third party verification of deposits not provided for interest/dividend income. | Reviewer Comment (2026-08-12): Received UW worksheet is verified and calculated asset deletion income, exception cleared. Seller Comment (2026-08-10): ok, all of those conditions are related to the asset depletion calculation that we did as supplemental income. There doesn't have to be proof of receipt of those deposits to my knowledge. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226067349 | [Redacted] | [Redacted] | 37182981 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Deposit not provided | Third party verification of deposits not provided for interest/dividend income. | Reviewer Comment (2026-08-12): Received UW worksheet is verified and calculated asset deletion income, exception cleared. Seller Comment (2026-08-10): ok, all of those conditions are related to the asset depletion calculation that we did as supplemental income. There doesn't have to be proof of receipt of those deposits to my knowledge. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226067349 | [Redacted] | [Redacted] | 37182984 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Deposit not provided | Third party verification of deposits not provided for interest/dividend income. | Reviewer Comment (2026-08-12): Received UW worksheet is verified and calculated asset deletion income, exception cleared. Seller Comment (2026-08-10): ok, all of those conditions are related to the asset depletion calculation that we did as supplemental income. There doesn't have to be proof of receipt of those deposits to my knowledge. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226067349 | [Redacted] | [Redacted] | 37183402 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the most recent [redacted]month mortgage pay history for the subject property | Reviewer Comment (2026-08-12): Received Verification of Mortgage (VOM) is for the subject property, which is recently originated. The VOM is associated, exception cleared. Seller Comment (2026-08-10): VOM attached |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226067349 | [Redacted] | [Redacted] | 37183419 | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Reviewer Comment (2026-08-13): Provided initial Rate lock verification Seller Comment (2026-08-12): Final Trid |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226067542 | [Redacted] | [Redacted] | 37181957 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226067547 | [Redacted] | [Redacted] | 37178660 | 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 exception due to insufficient reserves. | Reviewer Comment (2026-09-11): Cancelled. Reserves not required per AUS. Buyer Comment (2026-09-10): per signature guides section [redacted]"Loans which utilize flexibilities afforded by AUS findings may follow those findings for reserve requirements.". please cancel condition |
09/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226067547 | [Redacted] | [Redacted] | 37178661 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Waterfall exception due to insufficient reserves. | Reviewer Comment (2026-09-11): Cancelled. Reserves not required per AUS. Buyer Comment (2026-09-10): per signature guides section [redacted]"Loans which utilize flexibilities afforded by AUS findings may follow those findings for reserve requirements.". please cancel condition |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226079803 | [Redacted] | [Redacted] | 37180035 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | File does not contain a valid COC for this fee. | Reviewer Comment (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IN | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226079846 | [Redacted] | [Redacted] | 37179828 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review 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. | Reviewer Comment (2026-08-18): Cured at closing or within [redacted] of consummation prior to TPR review Buyer Comment (2026-08-17): please cancel this was cured at closing on the final cd sect j |
08/18/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 226079846 | [Redacted] | [Redacted] | 37179857 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage is insufficient by $[redacted]based on [redacted] of value; there was no evidence of extended coverage or insurer's estimate of replacement cost provided. | Reviewer Comment (2026-08-24): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-08-20): rebuttal upld Reviewer Comment (2026-08-18): Required replacement cost estimator. Exception remains. Buyer Comment (2026-08-17): please see hoi on [redacted]with sufficient coverage |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226079846 | [Redacted] | [Redacted] | 37187814 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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 increased in Closing Disclosure dated [redacted], with no valid change evident. | Reviewer Comment (2026-08-24): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-21): pccd docs upld |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 226080172 | [Redacted] | [Redacted] | 37185590 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226080188 | [Redacted] | [Redacted] | 37185922 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Purchase agreement is missing. | Reviewer Comment (2026-08-18): Purchase agreement associated, Exception Cleared. Buyer Comment (2026-08-17): please see sales contract/added on [redacted] |
08/18/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226080188 | [Redacted] | [Redacted] | 37185959 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted]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]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-19): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-17): the lender credit increased which is a benefit to the bwr, we initially disclosed a credit of -$[redacted]and then increased it to -$[redacted]at closing |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226080188 | [Redacted] | [Redacted] | 37268452 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226080341 | [Redacted] | [Redacted] | 37186634 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226080673 | [Redacted] | [Redacted] | 37185820 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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. | [Redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No cure provided. | Reviewer Comment (2026-09-23): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-22): pccd docs upld |
09/23/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | |||||||||
| 226080673 | [Redacted] | [Redacted] | 37185821 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Reviewer Comment (2026-09-01): Received closing statement with disbursement date of [redacted]. Exception Cleared. Buyer Comment (2026-08-28): Disbursed on [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226080740 | [Redacted] | [Redacted] | 37196357 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Verification of borrower's percentage of ownership of LLC was not provided in file. | Reviewer Comment (2026-09-10): Received CPA letter confirming the borrower's percentage of ownership is verified and associated, exception cleared. Buyer Comment (2026-09-08): Please see attached |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226080740 | [Redacted] | [Redacted] | 37196358 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Verification of borrower's percentage of ownership of LLC was not provided in file. | Reviewer Comment (2026-09-10): Received CPA letter confirming the borrower's percentage of ownership is verified and associated, exception cleared. Buyer Comment (2026-09-08): Waterfall |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226080740 | [Redacted] | [Redacted] | 37196369 | 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. | Verification of borrower's percentage of ownership of LLC was not provided in file. | Reviewer Comment (2026-09-10): Received CPA letter confirming the borrower's percentage of ownership is verified and associated, exception cleared. Buyer Comment (2026-09-08): Waterfall |
09/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226080740 | [Redacted] | [Redacted] | 37196370 | 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. | Verification of borrower's percentage of ownership of LLC was not provided in file. | Reviewer Comment (2026-09-10): Received CPA letter confirming the borrower's percentage of ownership is verified and associated, exception cleared. Buyer Comment (2026-09-08): Waterfall |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226080740 | [Redacted] | [Redacted] | 37196371 | 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.) | Verification of borrower's percentage of ownership of LLC was not provided in file. | Reviewer Comment (2026-09-10): Received CPA letter confirming the borrower's percentage of ownership is verified and associated, exception cleared. Buyer Comment (2026-09-08): Waterfall |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226080740 | [Redacted] | [Redacted] | 37196402 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Verification of borrower's percentage of ownership of LLC was not provided in file. | Reviewer Comment (2026-09-10): Received CPA letter confirming the borrower's percentage of ownership is verified and associated, exception cleared. Buyer Comment (2026-09-08): Waterfall |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226080740 | [Redacted] | [Redacted] | 37196418 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Verification of borrower's percentage of ownership of LLC was not provided in file. | Reviewer Comment (2026-09-10): Received CPA verification confirming the borrower's percentage of ownership is verified and associated, exception cleared. Buyer Comment (2026-09-08): Waterfall |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226081055 | [Redacted] | [Redacted] | 37187290 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification missing for address [redacted] | Reviewer Comment (2026-08-18): Taxes and Insurance escrowed on provided closing disclosure document. Exception cleared Buyer Comment (2026-08-17): CD from [redacted], impounded |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226081200 | [Redacted] | [Redacted] | 37182325 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Per guides, DSCR [redacted] an additional [redacted] reserves is required. | Reviewer Comment (2026-08-27): Received lender exception for .[redacted]DSCR, [redacted] reserves, [redacted]% LTV. Condition cleared. Buyer Comment (2026-08-26): Revised Exception Reviewer Comment (2026-08-25): Lender exception approved for insufficient reserves when DSCR is < [redacted]. DD is unable to downgrade and waive due the the required DSCR per exception approval is to be .[redacted]%, however the DSCR is at .[redacted]%. Reviewer Comment (2026-08-25): 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]. Reviewer Comment (2026-08-25): DSCR is less than [redacted]which require total [redacted] reserves. Exception remains. Buyer Comment (2026-08-24): Exception Reviewer Comment (2026-08-17): Loans are underwritten to [redacted] signature guidelines. Any loan with a DSCR less than [redacted] requires an additional [redacted] reserves. Buyer Comment (2026-08-13): LOE |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226081200 | [Redacted] | [Redacted] | 37351334 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the sales addendum supporting the increase in the purchase price of $[redacted]. | Reviewer Comment (2026-09-02): Received Sales Contract addendum. Exception Cleared. Buyer Comment (2026-08-31): [redacted] Reviewer Comment (2026-08-27): Exception is addressing the missing sales contract addendum adjusting the purchase price to $[redacted]. Buyer Comment (2026-08-26): Revised Exception |
09/02/2026 | No | 1 | A | A | A | A | A | NC | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| 226081200 | [Redacted] | [Redacted] | 37351381 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Lender exception approved for insufficient reserves when DSCR is [redacted]. DD is unable to downgrade and waive due the the required DSCR per exception approval is to be .[redacted], however the DSCR is at .[redacted]%. | Reviewer Comment (2026-08-27): Received lender exception for .[redacted]DSCR, [redacted] reserves, [redacted]% LTV. Condition cleared. Buyer Comment (2026-08-26): Revised Exception |
08/27/2026 | No | 1 | A | A | A | A | A | NC | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| 226081200 | [Redacted] | [Redacted] | 37380017 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for Rural property on DSCR loan | 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. Borrower has a clean housing payment history |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Long term home ownership |
SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-08-27): Client elects to waive with compensating factors. |
08/27/2026 | Yes | 2 | B | B | B | B | B | NC | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 226081200 | [Redacted] | [Redacted] | 37380018 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to waive the additional [redacted] reserves with a DSCR [redacted]. | 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. Borrower has a clean housing payment history |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Long term home ownership |
SitusAMC Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-08-27): Client elects to waive with compensating factors. |
08/27/2026 | Yes | 2 | B | B | B | B | B | NC | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 226081513 | [Redacted] | [Redacted] | 37187005 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report was not found in file. | Reviewer Comment (2026-08-20): Credit report provided and associated. Exception cleared |
08/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226081513 | [Redacted] | [Redacted] | 37187011 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Credit report was not found in file. | Reviewer Comment (2026-08-20): Credit report provided and associated. Exception cleared |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226081513 | [Redacted] | [Redacted] | 37187024 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Credit report was not found in file. | Reviewer Comment (2026-08-20): Credit report provided and associated. Exception cleared Buyer Comment (2026-08-19): CR - B1, B2 |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226081513 | [Redacted] | [Redacted] | 37187034 | 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. | Credit report was not found in file. | Reviewer Comment (2026-08-20): Credit report provided and associated. Exception cleared |
08/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226081513 | [Redacted] | [Redacted] | 37187035 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Credit report was not found in file. | Reviewer Comment (2026-08-20): Credit report provided and associated. Exception cleared |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226081513 | [Redacted] | [Redacted] | 37187036 | 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. | Credit report was not found in file. | Reviewer Comment (2026-08-20): Credit report provided and associated. Exception cleared |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226081513 | [Redacted] | [Redacted] | 37187037 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | 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.) | Credit report was not found in file. | Reviewer Comment (2026-08-20): Credit report provided and associated. Exception cleared Buyer Comment (2026-08-20): waterfall condition. Credit Reports uploaded in prior condition. Please review and clear both |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226081513 | [Redacted] | [Redacted] | 37187038 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Credit report was not found in file. | Reviewer Comment (2026-08-20): Credit report provided and associated. Exception cleared |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226084203 | [Redacted] | [Redacted] | 37185077 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-09-04): Received E-Consent document. Exception Cleared. Buyer Comment (2026-09-03): eConsent |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226084612 | [Redacted] | [Redacted] | 37196376 | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. | The loan file is missing an OFAC from the subject business entity. | Reviewer Comment (2026-08-19): OFAC provided. Exception cleared. Buyer Comment (2026-08-18): OFAC |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226084818 | [Redacted] | [Redacted] | 37187285 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a [Redacted] Citizen, and the guideline required documentation was not provided. | - | VISA/Employer authorization or passport is not provided in file. | Reviewer Comment (2026-09-15): Document available, exception cleared Buyer Comment (2026-09-11): please see doc [redacted]page [redacted]for [redacted] ITIN card |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226084818 | [Redacted] | [Redacted] | 37187288 | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ | Flood Insurance Policy Effective Date [redacted] is after the Note Date [redacted]. | Reviewer Comment (2026-09-24): Flood insurance policy effective date [redacted], Note date [redacted]Flood insurance policy active the time of loan Disbursement [redacted]-Exception cleared Buyer Comment (2026-09-23): please see attached investor memo regarding flood policy |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226084818 | [Redacted] | [Redacted] | 37187292 | 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 [redacted] 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. | Loan Estimate not delivered to Borrower(s) within [redacted] days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. | Reviewer Comment (2026-09-14): [redacted] Received earliest E-Consent dated [redacted]. Buyer Comment (2026-09-11): please see attached econsent |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226084903 | [Redacted] | [Redacted] | 37186838 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | Reviewer Comment (2026-08-27): HOI provided, exception cleared. Buyer Comment (2026-08-26): hoi |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226084903 | [Redacted] | [Redacted] | 37186846 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-08-27): Electronic consent provided, exception cleared. Buyer Comment (2026-08-26): e-consent |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226084903 | [Redacted] | [Redacted] | 37186850 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | Subject loan transaction disbursed on [redacted], prior to [redacted] days from the transaction date of [redacted]. | Reviewer Comment (2026-08-27): Updated disbursement date provided, exception cleared. Buyer Comment (2026-08-26): disbursement was on [redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226084903 | [Redacted] | [Redacted] | 37385681 | 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 [redacted] 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. | The earliest dated E-Consent is [redacted] which was after the date of the initial Loan Estimate provided electronically issued [redacted]. | Reviewer Comment (2026-09-01): [redacted] received copy of system snip for the initial disclosures are send via electronic deliver and placed physical copy in USPS on [redacted]. Buyer Comment (2026-08-31): See Screen shot Reviewer Comment (2026-08-28): [redacted]: The consumer went through the eConsent process on [redacted], the consumer acknowledged the receipt of the LE on [redacted]. But the loan application date was [redacted]. In the event the consumer had not provided eConsent by [redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted](e)([redacted])(iv)-[redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted] business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Buyer Comment (2026-08-27): Please disregard the previous comment. The LE was sent in [redacted] but was not electronically signed or opened until [redacted] which is when borrower opted into econsent Buyer Comment (2026-08-27): Per the E-consent date it says effective [redacted] on the top which was prior to the LE |
09/01/2026 | No | 1 | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 226084904 | [Redacted] | [Redacted] | 37187523 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement missing for address [redacted]. | Reviewer Comment (2026-08-27): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-08-25): See [redacted]pg [redacted]. Bottom of that page it has the loan information box. Monthly P & I is [redacted] Reviewer Comment (2026-08-25): Required CD from New [redacted] second loan for this property. Provided HUD document unable to verify the P&I. Exception remains. Buyer Comment (2026-08-21): HUD Reviewer Comment (2026-08-18): Please provide the CD from new [redacted] second loan on this property. Buyer Comment (2026-08-14): see [redacted]pg [redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226084904 | [Redacted] | [Redacted] | 37187531 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not delivered or placed in the mail to Borrower within [redacted] days of application. (Initial/[redacted]) | Reviewer Comment (2026-08-17): [redacted] Received rebuttal comment on the exception stating [redacted] was holiday. Buyer Comment (2026-08-14): Application date [redacted] and [redacted] was a holiday. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226084904 | [Redacted] | [Redacted] | 37187533 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-07): Sufficient Cure Provided At Closing |
08/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226084904 | [Redacted] | [Redacted] | 37197735 | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) | [redacted] HB [redacted]: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] business days of receipt of the loan application. | Missing [redacted] itemized disclosure. | Reviewer Comment (2026-08-18): [redacted] was a holiday, exception cleared. Buyer Comment (2026-08-14): Application date [redacted] and [redacted] was a holiday. |
08/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226084942 | [Redacted] | [Redacted] | 37187560 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Account statements are not provided for account #[redacted] | Reviewer Comment (2026-08-27): Combined bank statements and re-updated income by using UW worksheet. Exception cleared Buyer Comment (2026-08-25): please see [redacted]doc [redacted]pg [redacted]stating Signature Platinum guides Method [redacted] including increasing deposits utilized for calculations for both business accounts combined. UW worksheets docs [redacted]- [redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226084942 | [Redacted] | [Redacted] | 37187561 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Account statements are not provided for account #[redacted] | Reviewer Comment (2026-08-27): Combined bank statements and re-updated income by using UW worksheet. Exception cleared Buyer Comment (2026-08-25): please see [redacted]doc [redacted]pg [redacted]stating Signature Platinum guides Method [redacted] including increasing deposits utilized for calculations for both business accounts combined. UW worksheets docs [redacted]- [redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226084942 | [Redacted] | [Redacted] | 37187562 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Account statements are not provided for account #[redacted] | Reviewer Comment (2026-08-27): Combined bank statements and re-updated income by using UW worksheet. Exception cleared Buyer Comment (2026-08-25): please see [redacted]doc [redacted]pg [redacted]stating Signature Platinum guides Method [redacted] including increasing deposits utilized for calculations for both business accounts combined. UW worksheets docs [redacted]- [redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226084942 | [Redacted] | [Redacted] | 37187566 | 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. | Account statements are not provided for Account #[redacted] and Account #[redacted] | Reviewer Comment (2026-08-27): Combined bank statements and re-updated income by using UW worksheet. Exception cleared Buyer Comment (2026-08-25): please see [redacted]doc [redacted]pg [redacted]stating Signature Platinum guides Method [redacted] including increasing deposits utilized for calculations for both business accounts combined. UW worksheets docs [redacted]- [redacted] |
08/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226084942 | [Redacted] | [Redacted] | 37187567 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Income calculated as per [redacted]months bank statement. | Reviewer Comment (2026-08-27): Combined bank statements and re-updated income by using UW worksheet. Exception cleared Buyer Comment (2026-08-25): please see [redacted]doc [redacted]pg [redacted]stating Signature Platinum guides Method [redacted] including increasing deposits utilized for calculations for both business accounts combined. UW worksheets docs [redacted]- [redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226084942 | [Redacted] | [Redacted] | 37187568 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statement Guidelines Number of Bank Statements Requirement not met | Ability to Repay (Dodd-Frank 2014): The number of bank statements provided for borrower's bank statement income was less than the number required by guidelines. | Income calculated as per [redacted]months bank statement. | Reviewer Comment (2026-08-27): Combined bank statements and re-updated income by using UW worksheet. Exception cleared Buyer Comment (2026-08-25): please see [redacted]doc [redacted]pg [redacted]stating Signature Platinum guides Method [redacted] including increasing deposits utilized for calculations for both business accounts combined. UW worksheets docs [redacted]- [redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226084942 | [Redacted] | [Redacted] | 37187569 | 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. | Account statements are not provided for Account #[redacted] and Account #[redacted] | Reviewer Comment (2026-08-27): Combined bank statements and re-updated income by using UW worksheet. Exception cleared Buyer Comment (2026-08-25): please see [redacted]doc [redacted]pg [redacted]stating Signature Platinum guides Method [redacted] including increasing deposits utilized for calculations for both business accounts combined. UW worksheets docs [redacted]- [redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226084942 | [Redacted] | [Redacted] | 37187572 | 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.) | Account statements are not provided for account #[redacted] and account #[redacted] | Reviewer Comment (2026-08-27): Combined bank statements and re-updated income by using UW worksheet. Exception cleared Buyer Comment (2026-08-25): please see [redacted]doc [redacted]pg [redacted]stating Signature Platinum guides Method [redacted] including increasing deposits utilized for calculations for both business accounts combined. UW worksheets docs [redacted]- [redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226084942 | [Redacted] | [Redacted] | 37187573 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Account statements are not provided for account #[redacted] and account #[redacted] | Reviewer Comment (2026-08-27): Combined bank statements and re-updated income by using UW worksheet. Exception cleared |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226084942 | [Redacted] | [Redacted] | 37187580 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] or $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] tolerance was exceeded by $[redacted]due to the addition of a Recording fee. No valid COC was provided; a cure was provided at closing. | Reviewer Comment (2026-09-14): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-11): please see attached lox, pccd & check Reviewer Comment (2026-08-27): [redacted]: [redacted]% fees includes only recording fee as per final CD. The recording fee was disclosed $[redacted]on initial LE while it was increased to $[redacted]on final CD without providing any valid COC. Please provide information as to what changed circumstance occurred (as defined under [redacted](e)([redacted])(A)-(F) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2026-08-25): please update your LE baseline as it is missing title fees listed in Sec C of LEs |
09/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | 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 | |||||||||
| 226084942 | [Redacted] | [Redacted] | 37187582 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Account statements are not provided for Account #[redacted] and Account #[redacted] | Reviewer Comment (2026-08-27): Combined bank statements and re-updated income by using UW worksheet. Exception cleared Buyer Comment (2026-08-25): please see [redacted]doc [redacted]pg [redacted]stating Signature Platinum guides Method [redacted] including increasing deposits utilized for calculations for both business accounts combined. UW worksheets docs [redacted]- [redacted] |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226084947 | [Redacted] | [Redacted] | 37187224 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | [redacted] Loan: Counseling Disclosure not provided to borrower at the time of application, but within [redacted] of application. | Counseling Disclosure was not provided to the borrower. | Buyer Comment (2026-08-24): ok to waive Reviewer Comment (2026-08-24): This is an EV2 exception for informational purposes only. May be waived. Buyer Comment (2026-08-20): tracking upld Reviewer Comment (2026-08-19): NY - Counseling Disclosure dated [redacted] is not provided at initial application date [redacted]. Exception remains. Buyer Comment (2026-08-17): please see counseling disclosures on [redacted], [redacted], [redacted], [redacted]esigned wihin [redacted] days of app date of [redacted] |
08/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 226084947 | [Redacted] | [Redacted] | 37187225 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Loan: Mortgage does not contain a legend stating that the [redacted] loan is subject to Section[redacted] of the Banking Law. | Mortgage does not contain a legend stating that the subprime loan is subject to Section[redacted] of the Banking Law. | Reviewer Comment (2026-08-18): Security instrument associated. Exception cleared. Buyer Comment (2026-08-17): please cancel, mortgage provided in the initial file contains the subprime legend at the top of pg [redacted]. |
08/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226084947 | [Redacted] | [Redacted] | 37187229 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted] $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No valid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-18): [redacted] received valid COC document Buyer Comment (2026-08-17): [redacted] cd and tracking upld, the lock reflecting the expiration date is on [redacted], coc is on [redacted] |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | |||||||||
| 226084947 | [Redacted] | [Redacted] | 37187230 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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. | No valid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-18): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-17): please cancel, this was cured at close on the final cd sect j |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | |||||||||
| 226084947 | [Redacted] | [Redacted] | 37257736 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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. | Sufficient cure provided at closing | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226084947 | [Redacted] | [Redacted] | 37272454 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Fixed Compliant | [redacted] Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is in excess of allowable threshold of [redacted] Rate [redacted]%. Compliant SubPrime Loan. | Buyer Comment (2026-08-24): ok to waive Reviewer Comment (2026-08-24): This is exception is an EV1 which is for informational purposes only. Has no affect on rating. Buyer Comment (2026-08-20): tracking for counseling upld to trl docs. |
08/24/2026 | No | 1 | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226085111 | [Redacted] | [Redacted] | 37281147 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: LTV | Reviewer Comment (2026-08-20): Cleared. Corrected data entry for sales price. Buyer Comment (2026-08-19): It looks like you may be using the wrong value on this file. The purchase price is [redacted], the appraised value is [redacted], the loan amount is [redacted]. The LTV should be [redacted]% based on [redacted]/ [redacted]. Can you please take a look. I can make sure this is on the updated bid tape this week as well. |
08/20/2026 | No | 1 | A | A | A | A | A | NC | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226085115 | [Redacted] | [Redacted] | 37186680 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report missing for Guarantor [redacted] | Reviewer Comment (2026-09-23): Received revised guarantor agreement with only [redacted]as a guarantor. Exception cleared. Buyer Comment (2026-09-22): revised guaranty removing [redacted]upld, he is not on the loan Reviewer Comment (2026-08-25): No new document received. [redacted] has signed the guaranty agreement ([redacted]). Require credit report of the guarantor. Exception remains. Buyer Comment (2026-08-21): [Redacted] isn't a borrower, this isn't required. |
09/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226085115 | [Redacted] | [Redacted] | 37186696 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Reviewer Comment (2026-08-21): [redacted] signed the guaranty agreement Reviewer Comment (2026-08-21): OFAC checked, cleared Buyer Comment (2026-08-21): Ofac |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226085117 | [Redacted] | [Redacted] | 37179520 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-08-18): Certificate of Good Standing is available in file. Verified and updated details. Exception Cleared. Buyer Comment (2026-08-17): please see cogs on [redacted] |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226085121 | [Redacted] | [Redacted] | 37187635 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | ARM loan program disclosure does not match terms of loan. | Reviewer Comment (2026-08-17): ARM disclosure is marked compliant. Exception cleared. Buyer Comment (2026-08-14): please clarify what doesn't match |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 226085121 | [Redacted] | [Redacted] | 37187636 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [redacted] with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. | Final Closing Disclosure provided on [redacted] with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. | Reviewer Comment (2026-09-01): [redacted] received Letter of Explanation & Corrected CD Buyer Comment (2026-08-31): PCCD, LOX Reviewer Comment (2026-08-20): Calculations indicate the loan will reach maximum payment in year [redacted]. Buyer Comment (2026-08-19): please provide confirmation what you are looking that this is incorrect as this is a[redacted] arm. |
09/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226085130 | [Redacted] | [Redacted] | 37187623 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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. | [Redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. | Reviewer Comment (2026-08-20): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-08-19): PCCD, LOX, Label and Check |
08/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | |||||||||
| 226085130 | [Redacted] | [Redacted] | 37187624 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Reviewer Comment (2026-08-17): [redacted] received disclosure summary Buyer Comment (2026-08-14): please see the uploaded audit trail to show the LE was sent on [redacted] |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 226085130 | [Redacted] | [Redacted] | 37187841 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-19): Received E-sign Consent document. Exception cleared. Buyer Comment (2026-08-17): E-consent Reviewer Comment (2026-08-17): Initial [redacted] dated E-sign consent is required. Exception remains Buyer Comment (2026-08-14): audit trail |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226085130 | [Redacted] | [Redacted] | 37269425 | 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 [redacted] 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. | Initial Loan Estimate dated [redacted] was electronically provided prior to borrower's consent to receive electronic disclosures [redacted]. | Reviewer Comment (2026-08-24): [redacted] received rebuttal confirmation and as per summary borrower has consented on [redacted]. Buyer Comment (2026-08-21): comment correction: LE was sent to borrower on [redacted] and w-consent was signed B1 [redacted] and B2 [redacted] and the LE was not signed until both were e-consented on [redacted] Buyer Comment (2026-08-21): LE was sent to borrower on [redacted] and w-consent was signed B1 [redacted] and B2 [redacted] and the LE was not signed until both were e-consented on [redacted] Reviewer Comment (2026-08-20): [redacted]: The consumer went through the eConsent process on [redacted], the consumer acknowledged the receipt of the LE on [redacted]. But the loan application date was [redacted]. In the event the consumer had not provided eConsent by [redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment [redacted](e)([redacted])(iv)-[redacted]. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [redacted] business days and acknowledged over [redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [redacted] business days after application. Buyer Comment (2026-08-19): e-consent |
08/24/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 226085131 | [Redacted] | [Redacted] | 37187646 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [Redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No cure provided. | Reviewer Comment (2026-08-20): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-08-18): See [redacted]page [redacted]for final CD , page [redacted] at the bottom has the cure |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | |||||||||
| 226085131 | [Redacted] | [Redacted] | 37291706 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 at closing | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226085139 | [Redacted] | [Redacted] | 37199303 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | A credit report was not provided in file for [redacted] guarantor for the subject loan. | Reviewer Comment (2026-08-25): Revalidated Information, we do not need for Credit Report for members. Exception Cleared. Buyer Comment (2026-08-21): [redacted]isn't a borrower, this isn't required for a gauarantor. |
08/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226085139 | [Redacted] | [Redacted] | 37199314 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | A final 1003 was not provided in file for [redacted] guarantor for the subject loan. | Reviewer Comment (2026-08-25): Revalidated Information, we do not need for Final 1003 for members. Exception Cleared. Buyer Comment (2026-08-21): [redacted]isn't a borrower, this isn't required for a guarantor. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226085139 | [Redacted] | [Redacted] | 37199348 | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. | The loan file is missing an OFAC search for the subject business entity. | Reviewer Comment (2026-08-25): Received OFAC. Exception Cleared. Buyer Comment (2026-08-21): Ofac |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226085141 | [Redacted] | [Redacted] | 37186155 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Reviewer Comment (2026-08-25): Received final closing statement. Exception cleared Buyer Comment (2026-08-21): Loan is TRID exempt, no CDs, here is the FSS |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226085145 | [Redacted] | [Redacted] | 37186911 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-08-13): Received source documentation for Earnest Money Deposit. Exception cleared. Seller Comment (2026-08-12): Please see attached assets |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| 226085145 | [Redacted] | [Redacted] | 37187214 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | [redacted] required reserves not provided in file. | Reviewer Comment (2026-08-13): Received source documentation for Earnest Money Deposit. Exception cleared. Seller Comment (2026-08-12): Please see attached |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226085145 | [Redacted] | [Redacted] | 37187248 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [Redacted]Family not provided | Rider [Redacted]family not provided in file. | Reviewer Comment (2026-08-13): Received Rider 1-4 family. Exception cleared. Seller Comment (2026-08-12): Please see attached 1-4 rider |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226085145 | [Redacted] | [Redacted] | 37191339 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Please provide clear readable Security Instrument. One provided is unreadable | Reviewer Comment (2026-08-13): Received legible security instrument. Exception cleared. Seller Comment (2026-08-12): Please see attached Security Instrument w/ All riders |
08/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226085169 | [Redacted] | [Redacted] | 37205662 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax & Insurance document are missing for [redacted] Property. | Reviewer Comment (2026-08-19): Received tax certificate document, expense matches with the final [redacted]document. Exception Cleared. Seller Comment (2026-08-17): INSURANCE |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226085169 | [Redacted] | [Redacted] | 37205676 | 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 (2026-08-19): Preliminary title document received. Exception Cleared. Seller Comment (2026-08-17): TITLE |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226085169 | [Redacted] | [Redacted] | 37205695 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval not provided. | Reviewer Comment (2026-08-24): Received [redacted]document which can be used as approval. Exception Cleared. Seller Comment (2026-08-20): [redacted] Reviewer Comment (2026-08-20): Please provide lender loan approval document or [redacted] Seller Comment (2026-08-20): approval? Do you need the lock - please clarify what document you are needing. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226085169 | [Redacted] | [Redacted] | 37205697 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report not provided. | Reviewer Comment (2026-08-20): Credit report provided and associated. Exception cleared Seller Comment (2026-08-19): CR |
08/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226085169 | [Redacted] | [Redacted] | 37205728 | 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 as per guideline. | Seller Comment (2026-08-19): Please clarify what is needed to clear this condition. What document are you needing? |
08/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226085169 | [Redacted] | [Redacted] | 37205731 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | Reviewer Comment (2026-08-25): [redacted] received attestation to remove CD dated [redacted] with incorrect issue date. Seller Comment (2026-08-24): attestation Reviewer Comment (2026-08-21): [redacted] received an email confirmation with screenprint of LOS system and an unsigned & not on letterhead statement that this was a clerical error. [redacted] would require a Lender attestation preferably on letterhead and at a minimum signed by lender's authorized representative and reflecting their name & title along with additional information on the attestation regarding the clerical/bona fide error that occurred with an explanation of how it occurred notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. Lender should also attest to the actual CD date. Upon receipt of the Lender attestation with additional information noted along with the email screen print, [redacted] can re-review for correct CD date. Seller Comment (2026-08-20): LOX FUNDER Reviewer Comment (2026-08-20): [redacted] received PCCD dated [redacted], final SS and LOE however, as per LOE the [redacted] CD is meant to be the PCCD but LOE does not states that the CD was provided to borrower or not. If the CD was generated after closing and not provided to borrower on [redacted] please provide attestation confirming the same in order to remove the CD from testing. Seller Comment (2026-08-19): LOE ON LE/CD |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226085169 | [Redacted] | [Redacted] | 37205732 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | Reviewer Comment (2026-08-25): [redacted] received attestation to remove CD dated [redacted] with incorrect issue date. Seller Comment (2026-08-24): attestation Reviewer Comment (2026-08-21): [redacted] received an email confirmation with screenprint of LOS system and an unsigned & not on letterhead statement that this was a clerical error. [redacted] would require a Lender attestation preferably on letterhead and at a minimum signed by lender's authorized representative and reflecting their name & title along with additional information on the attestation regarding the clerical/bona fide error that occurred with an explanation of how it occurred notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. Lender should also attest to the actual CD date. Upon receipt of the Lender attestation with additional information noted along with the email screen print, [redacted] can re-review for correct CD date. Seller Comment (2026-08-20): LOX FUNDER Reviewer Comment (2026-08-20): [redacted] received PCCD dated [redacted], final SS and LOE however, as per LOE the [redacted] CD is meant to be the PCCD but LOE does not states that the CD was provided to borrower or not. If the CD was generated after closing and not provided to borrower on [redacted] please provide attestation confirming the same in order to remove the CD from testing. Seller Comment (2026-08-19): LOE ON LE/CD |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226085169 | [Redacted] | [Redacted] | 37205755 | 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. | Income documents are missing. | Reviewer Comment (2026-08-17): Received income documents are verified, exception cleared. Seller Comment (2026-08-13): please review bank statements in file - this is is a business bank statement loan. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226085169 | [Redacted] | [Redacted] | 37205756 | 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.) | Income documents are missing. | Reviewer Comment (2026-08-17): Received income documents are verified, exception cleared. Seller Comment (2026-08-13): Please review bank statements in the file - this is a 12 month bank statement loan. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226085169 | [Redacted] | [Redacted] | 37205867 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Income documents are missing. | Reviewer Comment (2026-08-17): Received income documents are verified, exception cleared. Seller Comment (2026-08-13): Please review business bank statement documents in file. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226085305 | [Redacted] | [Redacted] | 37188777 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Reviewer Comment (2026-08-19): Received Processer cert stating license were pulled on [redacted]. Exception Cleared. Buyer Comment (2026-08-17): please see processor cert on [redacted]page [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||||
| 226085305 | [Redacted] | [Redacted] | 37188781 | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under [redacted]based on deal settings. | Reviewer Comment (2026-08-19): Changed loan designation to N/A. Exception Cleared. Buyer Comment (2026-08-17): please advise what is needed to clear/cancel this? |
08/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | |||||||||||
| 226090105 | [Redacted] | [Redacted] | 37188055 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-20): Received E-Sign Consent. Exception cleared. Buyer Comment (2026-08-18): e-consent |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226090105 | [Redacted] | [Redacted] | 37188056 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec I[redacted] | Missing secondary valuation or CU score less than [redacted]. | Reviewer Comment (2026-08-20): UCDP report received. As the CU score is below [redacted], a secondary valuation is not required. Exception cleared. Buyer Comment (2026-08-18): SSR's |
08/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | SC | Second Home | Purchase | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226090105 | [Redacted] | [Redacted] | 37188088 | 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 [redacted] business days prior to consummation. | APR changed from [redacted]% to [redacted]% (more than [redacted]%) in Final Closing Disclosure signed by borrower on [redacted], [redacted] waiting period was not met. | Reviewer Comment (2026-08-24): [redacted] received proof of delivery. Buyer Comment (2026-08-21): please disregard previous uploaded doc. this is the correct one with the comment Buyer Comment (2026-08-21): The CD was sent on [redacted] and was confirmed received on [redacted]. Day [redacted] would have been [redacted], day [redacted] [redacted] and day [redacted] was [redacted] and then closing happened on the [redacted]th day of [redacted]. Reviewer Comment (2026-08-20): Consummation took place on [redacted], so APR changes would need to be received no later than [redacted]. documents indicate the [redacted] CD was not received by the borrower until [redacted]. The current loan file does not show an available cure for the timing exception. Buyer Comment (2026-08-19): It appears you did not get the [redacted] CD & COC with the re-disclosed APR, please see attached Reviewer Comment (2026-08-19): Unfortunately, based on the documentation currently contained in the loan file, this exception does not appear to be curable. Consummation occurred on [redacted]; therefore, any APR increase exceeding [redacted]% would have required redisclosure and receipt by the borrower no later than three business days prior to consummation, which in this case was [redacted]. The APR increased from [redacted]% to [redacted]%, representing a variance of [redacted]%, which exceeds the applicable tolerance. If there is any documentation that addresses or refutes this issue that was not included in the current loan file, please provide it for review. Upon receipt, we would be happy to re-evaluate the loan file and determine whether the exception can be resolved. Buyer Comment (2026-08-18): the difference is only .[redacted] |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | No Defined Cure | D | A | C | A | C | A | D | A | Non QM | Non QM | No | |||||||||
| 226090105 | [Redacted] | [Redacted] | 37188089 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Pest inspection fee of [redacted] was added without any valid changed circumstances; no cure was provided. | Reviewer Comment (2026-08-26): [redacted] Received Corrected PCCD and LOE moving fee to section H. Buyer Comment (2026-08-25): PCCD, LOX |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226090105 | [Redacted] | [Redacted] | 37188090 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of [redacted] exceeds tolerance of [redacted] [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Attorney's fee of [redacted] was added without any valid changed circumstances; no cure was provided. | Reviewer Comment (2026-08-26): [redacted] Received PCCD and LOE with correct fee name. Buyer Comment (2026-08-25): see uploaded Reviewer Comment (2026-08-20): [redacted] received rebuttal, however on final CD fee is disclosed without title prefix. If fee is a title fee, corrected PCCD updating title prefix and LOE are required to re-evaluate the exception. Buyer Comment (2026-08-18): this is actually a [redacted]% tolerance fee not zero |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226091085 | [Redacted] | [Redacted] | 37199384 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the first payment letter. | Reviewer Comment (2026-08-20): Document provided Buyer Comment (2026-08-19): FPL |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226092817 | [Redacted] | [Redacted] | 37188112 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-09-17): Received final title. Exception cleared |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226092817 | [Redacted] | [Redacted] | 37192178 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part 1 items #[redacted] reflects judgment with outstanding balances in the amount of $tbd. HUD 1 does not reflect payoff of judgment. Please provide evidence the liens have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-09-17): Received final title policy clear of all liens. Exception cleared Buyer Comment (2026-09-15): final title policy Reviewer Comment (2026-09-15): Received Email conversation stating Judgment on Title won't affect Final Title Policy. Please provide Final Title Policy with no Judgment or Liens on Subject. Exception remains. Buyer Comment (2026-09-11): email Reviewer Comment (2026-09-11): Email provided by the title company does not confirm that the judgment reflected in Schedule B, Part I, Item #[redacted]of the Title Commitment, with outstanding balances as referenced on the HUD-1, has been satisfied and released. Sufficient evidence of payoff and release has not been provided. Exception Remains. Buyer Comment (2026-09-09): Email from title |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226092823 | [Redacted] | [Redacted] | 37188287 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded [redacted] Guaranty Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Fee was not disclosed on LE but disclosed as [redacted] on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-08-26): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-25): pccd docs upld |
08/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226094804 | [Redacted] | [Redacted] | 37199388 | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. | The loan file is missing an OFAC search for the subject business entity. | Reviewer Comment (2026-08-18): Received OFAC search results for the subject business entity. Exception cleared. Buyer Comment (2026-08-14): OFAC |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226094837 | [Redacted] | [Redacted] | 37188503 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy was not provided in file. | Reviewer Comment (2026-09-01): Received Final title policy. Exception Cleared. |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 226094837 | [Redacted] | [Redacted] | 37188540 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) [Redacted] Cash-out Loan (T-42 Endorsement Not Obtained) | [redacted] Constitution Section [redacted]: Acceptable [redacted] title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the [redacted] [Redacted] endorsement or the [Redacted] endorsement. (The loan is a [redacted] Section [redacted] home equity loan.) | Title Report does not include the [redacted] T-42 endorsement or the T-42.1 endorsement. | Reviewer Comment (2026-09-01): Received Final title policy with including [redacted] and [redacted]. Exception Cleared. Buyer Comment (2026-08-28): final loan policy Reviewer Comment (2026-08-21): Require Final title document including [redacted] endorsement or the [redacted] in it to clear the exception. Exception Remains. Buyer Comment (2026-08-19): endorsement Reviewer Comment (2026-08-18): We would need the actual disclosure/endorsement, Exception remains. Buyer Comment (2026-08-17): report from title |
09/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||
| 226095003 | [Redacted] | [Redacted] | 37182396 | Credit | Missing Document | General | Missing Document | Missing Document: Desk Review not provided | Desk review is required on all loans to support the appraisal value for the transaction. | Reviewer Comment (2026-08-12): UCDP Fannie Mae CU score reflects [redacted]. Secondary Valuation not required for the Property. Exception cleared. Buyer Comment (2026-08-10): Please rescind please review doc [redacted]the FNMA UCDP is at [redacted]. |
08/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226095024 | [Redacted] | [Redacted] | 37204569 | 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 [redacted] business days prior to consummation. | APR and a complete Closing Disclosure was not received by borrower at least [redacted] days prior to consummation. | Reviewer Comment (2026-08-26): [redacted]received attestation to remove incomplete CD dated [redacted] not provided to borrower. Buyer Comment (2026-08-25): Attestation Reviewer Comment (2026-08-25): Doc ID [redacted]shows a blank APR on page [redacted]. Buyer Comment (2026-08-24): Please provide document # of the CD you are using to reset the baseline Reviewer Comment (2026-08-24): Per TRID Grid [redacted], Additional Considerations, Row [redacted], the TPR firm may exclude a Loan Estimate (LE) or Closing Disclosure (CD) from consideration if the document was not provided to the consumer. Acceptable documentation includes a lender attestation confirming that the document was not provided to the consumer. This guidance applies only when: • The document is not acknowledged by the consumer; and • There is no other evidence indicating that the CD was provided to or received by the consumer. The attestation should be provided as a separate document and included in the loan file. Buyer Comment (2026-08-21): TRID |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 226095024 | [Redacted] | [Redacted] | 37204661 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [redacted] contains a change in loan product and a complete Closing Disclosure was not received by borrower at least [redacted] business days prior to consummation. | Loan product and a complete Closing Disclosure was not received by borrower at least [redacted] days prior to consummation. | Reviewer Comment (2026-08-26): [redacted]received attestation to remove incomplete CD dated [redacted] not provided to borrower. Buyer Comment (2026-08-25): Attestation Reviewer Comment (2026-08-25): Document [redacted]shows a blank space under product. Buyer Comment (2026-08-24): Please provide document # of the CD you are using to reset the baseline Reviewer Comment (2026-08-24): Per TRID Grid [redacted], Additional Considerations, Row [redacted], the TPR firm may exclude a Loan Estimate (LE) or Closing Disclosure (CD) from consideration if the document was not provided to the consumer. Acceptable documentation includes a lender attestation confirming that the document was not provided to the consumer. This guidance applies only when: • The document is not acknowledged by the consumer; and • There is no other evidence indicating that the CD was provided to or received by the consumer. The attestation should be provided as a separate document and included in the loan file. Buyer Comment (2026-08-21): LOE |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 226095024 | [Redacted] | [Redacted] | 37204729 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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. | Fee disclosed 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 (2026-08-25): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-08-24): Please review [redacted]there is a [redacted]cure for the transfer tax difference. Please rescind condition Buyer Comment (2026-08-24): disregard message was in error Buyer Comment (2026-08-24): Please provide document # of the CD you are using to reset the baseline |
08/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | 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 | |||||||||
| 226095024 | [Redacted] | [Redacted] | 37204767 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[Redacted]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. | Fee disclosed was last disclosed as $[redacted]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 (2026-08-26): [redacted]received COC dated [redacted]. Buyer Comment (2026-08-25): LOE Reviewer Comment (2026-08-25): Lender credit is calculated using specific lender credits + General Lender Credits - Tolerance cures. Provided cure did not increase lender credit and created a tolerance issue with lender credit. Please provide ALTA closing disclosure for review or cure which requires PCCD, LOE, copy of refund check and proof of mailing. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | |||||||||
| 226095024 | [Redacted] | [Redacted] | 37204999 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification and Tax Verification not provided. | Reviewer Comment (2026-09-04): Borrower's are currently living rent free, rent free letter provided and corrected [redacted]document present in the file. Exception Cleared. Buyer Comment (2026-09-03): Updated [redacted] Reviewer Comment (2026-09-02): Final [redacted]shows property is owned, please provide updated [redacted]reflecting as living rent free. Buyer Comment (2026-08-31): Why would you need the final [redacted]? This to confirm the the address [redacted]is not an REO borrower lived there rent free and we provided a cert to confirm this. Please clarify. Reviewer Comment (2026-08-31): The provided document is initial [redacted], provide corrected Final [redacted], exception remains Buyer Comment (2026-08-27): REVISED Reviewer Comment (2026-08-26): Insurance Verification and Tax Verification not provided. Exception remains Buyer Comment (2026-08-25): REO |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226095602 | [Redacted] | [Redacted] | 37189083 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Co-borrower declared on final CD that he intends to occupy the investment as his primary residence. | Reviewer Comment (2026-08-18): Received corrected [redacted], Exception cleared. Buyer Comment (2026-08-17): Corrected |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226096650 | [Redacted] | [Redacted] | 37188857 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-08-24): [redacted] received confirmation for observed holiday on July [redacted]rd. Buyer Comment (2026-08-21): [redacted] closed July [redacted] for holiday Reviewer Comment (2026-08-18): [redacted] received disclosures summary. However, the timing for the LE under § [redacted](e)([redacted])(iii) is three business days from application. Initial LE issued [redacted]. On this loan, the LE should have been issued within [redacted] business days of the broker application date of [redacted] or provide the lender's attestation and copy of a company calendar, if lender's observed independent (July [redacted]) holiday on Friday, July [redacted]. Buyer Comment (2026-08-17): Disclosure tracking |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226097400 | [Redacted] | [Redacted] | 37188930 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The mortgage statement was not provided for [redacted]. | Reviewer Comment (2026-09-08): Received Mortgage statement for second lien of REO property "[redacted]", information validated. Exception Cleared. Buyer Comment (2026-09-04): statement Reviewer Comment (2026-08-25): Mortgage statement for second lien not uploaded. Buyer Comment (2026-08-25): [redacted]is the mortgage statement for [redacted] |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226097511 | [Redacted] | [Redacted] | 37189884 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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. | Total amount of $[redacted]exceeds tolerance of $[redacted] plus [redacted] or $[redacted]. | Reviewer Comment (2026-08-20): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-08-18): Lender credit already given at closing. See final CD [redacted]Section J. |
08/20/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | PA | 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 | |||||||||
| 226097511 | [Redacted] | [Redacted] | 37189885 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[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, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-09-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-28): Cure Docs |
09/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | 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 | |||||||||
| 226097511 | [Redacted] | [Redacted] | 37264383 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - FICO | Reviewer Comment (2026-09-01): Fico is now in line. Cleared. Buyer Comment (2026-08-28): [redacted] has updated our bid tape to reflect co-borrower's Fico of [redacted]. Reviewer Comment (2026-08-20): The income documents, [redacted]and [redacted]relflect that the co-borrower has the primary income. Buyer Comment (2026-08-18): [redacted] respectfully disagrees with AMC FICO designation. Per Guideline, Full Doc Signature expanded loans use the middle score of the primary earner. B1, [redacted], is the primary earner and their FICO is [redacted]. Please review [redacted], [redacted], and update [redacted] |
09/01/2026 | No | 1 | A | A | A | A | A | PA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226098295 | [Redacted] | [Redacted] | 37189491 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-08-26): [redacted] received disclosures summary and as per [redacted]with property address and purchase contract application date changed to [redacted]. Buyer Comment (2026-08-24): Please see attached. Reviewer Comment (2026-08-20): The timing for the LE under § [redacted](e)(1)(iii) is three business days from application. Initial LE issued [redacted]. On this loan, the LE should have been issued within [redacted] business days of the application date of [redacted]. Buyer Comment (2026-08-19): Please see attached. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | A | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 226098295 | [Redacted] | [Redacted] | 37189541 | 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 effective date. | Reviewer Comment (2026-08-25): CDA updated, Exception Cleared. Buyer Comment (2026-08-24): Please see attached. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | A | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 226098305 | [Redacted] | [Redacted] | 37189595 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-09-02): Received replacement cost estimator. Exception Cleared. Buyer Comment (2026-08-31): RCE |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226098305 | [Redacted] | [Redacted] | 37189773 | Compliance | Compliance | Federal Compliance | Federal HPML | [Redacted] 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]. Non-Compliant Higher Priced Mortgage Loan. | The Appraisal waiver was located within the loan file. The acknowledgement that the Borrower received the appraisal [redacted] prior to closing is missing. | Reviewer Comment (2026-09-02): Updated appraisal receipt by borrower Buyer Comment (2026-08-31): the appraisal was sent to the bwr, and the bor waived their right to receive the appraisal [redacted] days before closing |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226098305 | [Redacted] | [Redacted] | 37189774 | 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 [redacted] business days prior to consummation. | The Appraisal waiver was located within the loan file. The acknowledgement that the Borrower received the appraisal [redacted] prior to closing is missing. | Reviewer Comment (2026-09-02): Updated appraisal receipt by borrower Buyer Comment (2026-08-31): the appraisal was sent to the bwr, and the bor waived their right to receive the appraisal [redacted] days before closing |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226098305 | [Redacted] | [Redacted] | 37189775 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not delivered to the borrower within [redacted] days of application of [redacted]. | Reviewer Comment (2026-09-15): [redacted] received rebuttal and disclosure summary suffice Buyer Comment (2026-09-11): add'l tracking upld Buyer Comment (2026-09-11): tracking upld showing the le was sent [redacted], within [redacted] business days of the application date of [redacted], the bwr esigned [redacted] Reviewer Comment (2026-09-01): [redacted] received rebuttal, however [redacted]is dated [redacted]. The timing for the LE under § [redacted](e)([redacted])(iii) is [redacted]business days from application. In the event a mortgage broker receives the [redacted]pieces of information that constitute an application, the timing will start from the time the broker receives the application under § [redacted](e)([redacted])(ii). As a result, the timing for the initial LE on wholesale loans is the earlier of the creditor or broker application date. On this loan, the LE should have been issued within [redacted] business days of the broker application date of [redacted]. Buyer Comment (2026-08-31): Please see [redacted], the initial application was signed on [redacted], making the initial application date [redacted]. |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226098305 | [Redacted] | [Redacted] | 37194794 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for [redacted] equity on departing residence. | 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 guideline required amount by the equivalent of [redacted]months PITIA or more. 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. |
Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-02): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-09-02): Received lender excption approval to ommit departing residence with [redacted]% equity. Buyer Comment (2026-08-31): exception |
09/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226098305 | [Redacted] | [Redacted] | 37195539 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226098305 | [Redacted] | [Redacted] | 37439329 | Compliance | Compliance | Federal Compliance | Federal HPML | [Redacted]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]. Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-09-02): Updated appraisal receipt by borrower |
09/02/2026 | No | 1 | A | A | A | A | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226098305 | [Redacted] | [Redacted] | 37439330 | 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 revised valuation to applicant [redacted] business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Reviewer Comment (2026-09-02): Updated appraisal receipt by borrower |
09/02/2026 | No | 1 | A | A | A | A | A | VA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226098628 | [Redacted] | [Redacted] | 37189631 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Document date missing in Business Entity. | Reviewer Comment (2026-08-19): CPA document provided meets guideline requirements, and third-party verification is not required. Exception cleared. Buyer Comment (2026-08-17): see [redacted]pg [redacted]and [redacted]pg [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226098628 | [Redacted] | [Redacted] | 37189665 | 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 Document date missing in Business Entity. | Reviewer Comment (2026-08-19): CPA document provided meets guideline requirements, and third-party verification is not required. Exception cleared. Buyer Comment (2026-08-17): see [redacted]pg [redacted]and [redacted]pg [redacted] |
08/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226098628 | [Redacted] | [Redacted] | 37189666 | 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. | [Redacted]due to Document date missing in Business Entity. | Reviewer Comment (2026-08-19): CPA document provided meets guideline requirements, and third-party verification is not required. Exception cleared. Buyer Comment (2026-08-17): see [redacted]pg [redacted]and [redacted]pg [redacted] |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226098631 | [Redacted] | [Redacted] | 37196849 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-10): Sufficient Cure Provided At Closing |
08/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226098631 | [Redacted] | [Redacted] | 37196850 | 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[Redacted] form was used, the H[Redacted] form should have been used. | The previous Note and Title reflect the same loan origination company as the Lender listed on the subject loan Note. | Reviewer Comment (2026-09-18): Updated RTC provided Doc #[redacted] Buyer Comment (2026-09-16): RTC Docs |
09/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226098635 | [Redacted] | [Redacted] | 37197989 | Credit | Credit | Credit Documentation | Credit | OFAC was not provided and is required. | The loan file is missing an OFAC search for the subject business entity. | Reviewer Comment (2026-08-19): Received OFAC Report for the Business Entity. Document verified and associated. Exception cleared. Buyer Comment (2026-08-17): OFAC findings |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226098635 | [Redacted] | [Redacted] | 37681135 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: FICO | Reviewer Comment (2026-09-24): Updated fico. Condition cleared. Buyer Comment (2026-09-24): [redacted] used the highest middle score ([redacted]) in align with the loan program of DSCR. Please see CBR in page [redacted]. |
09/24/2026 | No | 1 | A | A | A | A | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 226099018 | [Redacted] | [Redacted] | 37200791 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Co-borrower is qualified with business bank statement income; file is missing the business account statement for account ending #[redacted] for [redacted] and [redacted]. | Reviewer Comment (2026-08-26): Bank Statements received and associated. Exception cleared. Buyer Comment (2026-08-25): may & june statements upld |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 226099018 | [Redacted] | [Redacted] | 37200878 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Co-borrower is qualified with business bank statement income; file is missing the business account statement for account ending #[redacted] for [redacted] and [redacted]. | Reviewer Comment (2026-08-26): Bank Statements received and associated. Exception cleared. Buyer Comment (2026-08-25): may & june statements upld to trl docs |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||
| 226099018 | [Redacted] | [Redacted] | 37200904 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require [redacted] Months | Ability to Repay (Dodd-Frank 2014): Guidelines require [redacted] consecutive months bank statements. | Waterfall due to co-borrower being qualified with business bank statement income; file is missing the business account statement for account ending #[redacted] for [redacted] and [redacted]. | Reviewer Comment (2026-09-14): No discrepancy as per updated documents. |
09/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 226099018 | [Redacted] | [Redacted] | 37200905 | 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.) | [Redacted]due to co-borrower being qualified with business bank statement income; file is missing the business account statement for account ending #[redacted] for [redacted] and [redacted]. | Reviewer Comment (2026-08-26): Bank Statements received and associated. Exception cleared. Buyer Comment (2026-08-25): may & june statements upld to trl docs |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 226099018 | [Redacted] | [Redacted] | 37200906 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted] $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Extension fee of $[redacted]does not appear on the loan estimate but is present on the Closing Disclosure. No cure was provided to the borrower. | Reviewer Comment (2026-08-24): [redacted] received a valid COC. Buyer Comment (2026-08-21): lock and coc upld, cd is on [redacted], ext fee added due to lock expiring. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | Yes | |||||||||
| 226099018 | [Redacted] | [Redacted] | 37200933 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Co-borrower is qualified with business bank statement income; file is missing the business account statement for account ending #[redacted] for [redacted] and [redacted]. | Reviewer Comment (2026-08-26): Bank Statements received and associated. Exception cleared. Buyer Comment (2026-08-25): may & june statements upld to trl docs |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||
| 226099018 | [Redacted] | [Redacted] | 37200934 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | Verification of employment is missing for the borrower. | Reviewer Comment (2026-09-10): VVOE received and verified. Exception cleared Buyer Comment (2026-09-08): employer email confirm reflecting current status and start date upld, please redesignate to QM. Reviewer Comment (2026-08-25): Required Verbal Verification of Employment completed within [redacted]days of closing must be provided with start date and active status. Exception remains. Buyer Comment (2026-08-21): lock and coc upld, cd is on [redacted], ext fee added due to lock expiring. |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 226099018 | [Redacted] | [Redacted] | 37200958 | 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. | Waterfall due to co-borrower being qualified with business bank statement income; file is missing the business account statement for account ending #[redacted] for [redacted] and [redacted]. Borrower is qualified with wage income, but the file does not have a verification of employment document. | Reviewer Comment (2026-09-10): VVOE received and verified. Exception cleared Buyer Comment (2026-09-08): employer email confirm reflecting current status and start date upld to trl docs, please redesignate to QM. Reviewer Comment (2026-08-26): Bank statements have been provided however, a Verbal Verification of Employment completed within [redacted]days of closing is still required, confirming the borrower's start date and active employment status. Exception Remains. Buyer Comment (2026-08-25): may & june statements upld to trl docs |
09/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | Yes | |||||||||
| 226099018 | [Redacted] | [Redacted] | 37200959 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable [Redacted]-party records. | Borrower is qualified with wage income, but the file does not have a verification of employment document. | Reviewer Comment (2026-09-10): VVOE received and verified. Exception cleared Buyer Comment (2026-09-08): employer email confirm reflecting current status and start date upld to trl docs, please redesignate to QM. |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 226099018 | [Redacted] | [Redacted] | 37200960 | 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. | [Redacted]due to co-borrower being qualified with business bank statement income; file is missing the business account statement for account ending #[redacted] for [redacted] and [redacted]. Borrower is qualified with wage income, but the file does not have a verification of employment document. | Reviewer Comment (2026-09-10): VVOE received and verified. Exception cleared Buyer Comment (2026-09-08): employer email confirm reflecting current status and start date upld to trl docs, please redesignate to QM. Reviewer Comment (2026-08-26): Bank statements have been provided however, a Verbal Verification of Employment completed within [redacted]days of closing is still required, confirming the borrower's start date and active employment status. Exception Remains. Buyer Comment (2026-08-25): may & june statements upld to trl docs |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 226099018 | [Redacted] | [Redacted] | 37200961 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [Redacted]due to co-borrower being qualified with business bank statement income; file is missing the business account statement for account ending #[redacted] for [redacted] and [redacted]. Borrower is qualified with wage income, but the file does not have a verification of employment document. | Reviewer Comment (2026-09-10): VVOE received and verified. Exception cleared |
09/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||||
| 226099018 | [Redacted] | [Redacted] | 37200971 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI difference due to lender not including property #[redacted] expenses, which resulted in the DTI difference. | Reviewer Comment (2026-09-14): No discrepancy as per updated documents. Buyer Comment (2026-09-10): revised [redacted]for b2 upld Reviewer Comment (2026-09-10): Updated final [redacted]for the co borrower missing in loan file. Exception remains. Buyer Comment (2026-09-08): final revised [redacted]/[redacted]upld, bid tape is correct, dti is [redacted]%. Reviewer Comment (2026-08-31): Final [redacted]with correct expense details for all REO properties is required. Exception remains. Buyer Comment (2026-08-27): revised [redacted]upld, dti is [redacted]% |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||
| 226099018 | [Redacted] | [Redacted] | 37201003 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Stated Defect - B1: Currently rents, [redacted] no lates. Credit depth [redacted]years - no derogatories. Works for family, confirmed she has no interest in the business. Employed there for [redacted] years. Non-Occupant Co-Borrower owns multiple investment properties in the [redacted]area and recently purchased his own primary through [redacted]. Credit depth [redacted]+ years, no derogatory credit. Loan profile has over [redacted]+ months reserves. Requesting exception for [redacted]% LTV when borrower does not meet Method [redacted] DTI requirement and cannot meet Method [redacted], [redacted]% LTV. | 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 guideline required amount by the equivalent of [redacted]months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[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. |
Borrower has been employed in the same industry for more than [redacted]years. Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC |
Reviewer Comment (2026-08-11): Waived with compensating factors per lender exception approval at origination. |
08/11/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | ||||||||
| 226099018 | [Redacted] | [Redacted] | 37517713 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of [Redacted] QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Updated 1003 for coborrower missing in loan file. | Reviewer Comment (2026-09-14): No discrepancy as per updated documents. Buyer Comment (2026-09-10): revised [redacted]for b2 upld to trl docs |
09/14/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | Yes | ||||||||||||||
| 226099018 | [Redacted] | [Redacted] | 37517714 | 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 QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Updated 1003 for coborrower missing in loan file. | Reviewer Comment (2026-09-14): No discrepancy as per updated documents. Buyer Comment (2026-09-10): revised [redacted]for b2 upld to trl docs |
09/14/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||||
| 226099018 | [Redacted] | [Redacted] | 37557353 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | Loan was re designated to QM as per clients request. | Buyer Comment (2026-09-15): ok to waive |
09/15/2026 | No | 2 | A | B | B | B | A | FL | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Higher Priced QM (APOR) | No | |||||||||||||||
| 226099019 | [Redacted] | [Redacted] | 37199698 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | Issue Date: ___; Received Date: ___; Signed Date: ___ | Final Closing Disclosure issued on [redacted] was signed by borrower on [redacted]. | Reviewer Comment (2026-09-24): [redacted] received lender clarification that the [redacted] issued CD and borrower in error signed date of [redacted], but was actually signed on [redacted]. Reviewer Comment (2026-09-24): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Date Issued: [redacted] Buyer Comment (2026-09-22): Please explain what is required to cure this as no information provided. The borrower made an error in dating that one document. Reviewer Comment (2026-09-21): Exception remains, Borrower dated the CD [redacted] Please see [redacted] CD page [redacted] of Doc [redacted]. Buyer Comment (2026-09-17): Please see screen shot showing Final CD was generated on [redacted] therefore there is no way it could have been signed [redacted]. This was an error by the borrower All other docs including Notary reflect [redacted] Reviewer Comment (2026-08-28): Exception remains. CD date issued [redacted] ([redacted]) however page [redacted] borrower signed and dated [redacted] which is before closing date Buyer Comment (2026-08-26): Initial Closing Disclosure sent date was [redacted] (received [redacted]) Final CD issued [redacted] was wet signed/notarized on [redacted] (Matching the closing date) Attached eDisclosure tracking log and signed signature page confirming compliance order. |
09/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Second Home | Purchase | C | B | C | B | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 226099019 | [Redacted] | [Redacted] | 37201873 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | 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 guideline required amount by the equivalent of [redacted]months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. |
Borrower has been employed in the same industry for more than [redacted]years. Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted]years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-21): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-17): Please see attached Exception Reviewer Comment (2026-08-28): Per Guidelines Second home LTV [redacted]% FICO [redacted]. Exception remains Buyer Comment (2026-08-26): Uploaded final [redacted]Transmittal Summary dated [redacted]. Underwriter comments explicitly document Underwriting Exception Approval for [redacted]% LTV with a [redacted]FICO score under Signature Expanded Bank Statement program. |
09/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Second Home | Purchase | C | B | C | B | B | A | A | A | Non QM | Non QM | No | ||||||||
| 226099049 | [Redacted] | [Redacted] | 37200882 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Desk 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 | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226099049 | [Redacted] | [Redacted] | 37200883 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226099049 | [Redacted] | [Redacted] | 37200884 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226099057 | [Redacted] | [Redacted] | 37199626 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-27): Received e-sign consent. Exception cleared. Buyer Comment (2026-08-25): econsent |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226099062 | [Redacted] | [Redacted] | 37200133 | Compliance | Compliance | Federal Compliance | Federal HPML | [Redacted] 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]. Non-Compliant Higher Priced Mortgage Loan. | The disclosed APR [redacted]% is greater than the threshold of APOR [redacted]. | Reviewer Comment (2026-08-20): Acknowledgment provided, exception cleared. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226099062 | [Redacted] | [Redacted] | 37200134 | 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 [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt. | Reviewer Comment (2026-08-20): Acknowledgment provided, exception cleared. Buyer Comment (2026-08-20): Appraisal receipt |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226099062 | [Redacted] | [Redacted] | 37200136 | 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. | There was no initial Closing Disclosure dated within at least [redacted] business days prior to closing provided in the file. | Reviewer Comment (2026-08-21): [redacted] received initial CD. Buyer Comment (2026-08-20): Disclosure Tracking and ICD |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 226099062 | [Redacted] | [Redacted] | 37205451 | 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 [redacted] business days prior to consummation. | Reviewer Comment (2026-08-20): Appraisal delivery provided, exception cleared. Buyer Comment (2026-08-20): Appraisal receipt |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226099062 | [Redacted] | [Redacted] | 37304453 | 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 revised valuation to applicant [redacted] business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Appraisal not provided [redacted] days prior to note date. | Buyer Comment (2026-08-26): Ok to waive |
08/26/2026 | No | 2 | B | B | B | B | B | OH | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 226099064 | [Redacted] | [Redacted] | 37200224 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance document missing for the REO Property. | Reviewer Comment (2026-08-24): Document provided Reviewer Comment (2026-08-24): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Insurance Verification Buyer Comment (2026-08-24): hoa receipt and proof of hoa name upld Reviewer Comment (2026-08-24): HOA document is missing for the property #[redacted]Village. Exception Remains. Buyer Comment (2026-08-20): please cancel, property is owned free & clear, not hoi, only hoa and tax |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226099064 | [Redacted] | [Redacted] | 37205536 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage statement | Reviewer Comment (2026-08-24): Bank statement present with the Heloc statement details along with the savings account details, monthly payment and outstanding balance details were provided. Exception Cleared. Buyer Comment (2026-08-20): please cancel, the heloc is at the end of the statements for Digital Credit Union Member #[redacted] |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226099064 | [Redacted] | [Redacted] | 37314095 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226099067 | [Redacted] | [Redacted] | 37200681 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing in file. | Reviewer Comment (2026-08-24): Received E-sign consent document. Exception Cleared. Buyer Comment (2026-08-20): proof econsent accepted upld |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226099067 | [Redacted] | [Redacted] | 37200698 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold. Disclosed Amount Financed on [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed as $[redacted]vs actual amount of $[redacted]. Variance of $[redacted]is due to title-inspection fee not being disclosed on initial or following CD. | Reviewer Comment (2026-09-09): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-09-08): copy of check upld Reviewer Comment (2026-09-08): [redacted] received Corrected CD, LOE to borrower, copy of unexecuted RTC's, and proof of mailing. Missing copy of cure refund check for $[redacted]. Buyer Comment (2026-09-04): pccd docs and rtc with proof of delivery upld Reviewer Comment (2026-08-21): Final Settlement statement supports a title - reconveyance fee of $[redacted]and a title inspection fee of $[redacted]. Please provide documentation of the $[redacted]reconveyance fee and that the borrower did not get charged the Title - Title inspection fee of $[redacted]. Buyer Comment (2026-08-20): please remove the $[redacted]title inspection fee and re-calculate the finance charge, it is a title-reconveyance fee and not considered and apr. |
09/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226099067 | [Redacted] | [Redacted] | 37200699 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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 disclosed as $[redacted]on initial LE and as $[redacted]on final CD. No valid change in circumstance or cure for borrower provided. . |
Reviewer Comment (2026-08-21): [redacted] Received Valid COC dated [redacted]. Buyer Comment (2026-08-20): initial lock upld, points added on [redacted] le ([redacted]) due to program change, valid coc is on [redacted](the date of the coc should be [redacted], not [redacted]) |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | 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 | |||||||||
| 226099141 | [Redacted] | [Redacted] | 37200301 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in the file. | Reviewer Comment (2026-08-20): Hazard insurance policy received and verified. Exception cleared Buyer Comment (2026-08-18): Please see attached. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226099141 | [Redacted] | [Redacted] | 37205431 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance policy not provided in file. | Reviewer Comment (2026-08-20): Hazard insurance policy received and verified. Exception cleared Buyer Comment (2026-08-18): Waterfall |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226099322 | [Redacted] | [Redacted] | 37200623 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification not provided for property located at [redacted]. | Reviewer Comment (2026-08-31): Letter of explananation received there is no HOI required. Exception cleared Buyer Comment (2026-08-27): [redacted]is the LOX stating there is not insurance on that property. |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226099372 | [Redacted] | [Redacted] | 37201180 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the [Redacted]form should have been used. | [Redacted] format of right to cancel was used instead of [Redacted] format, the mortgage being paid off was not originated by same creditor. | Reviewer Comment (2026-08-18): H-[redacted] Form Type associated, Exception Cleared. Buyer Comment (2026-08-17): RTC docs |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226099417 | [Redacted] | [Redacted] | 37203449 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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 [redacted] was added on Closing Disclosure [redacted]. File does not contain a valid Change of Circumstance for this fee, nor evidence of a cure. | Reviewer Comment (2026-08-26): [redacted] received LOX. Buyer Comment (2026-08-25): rebuttal/attestation upld Reviewer Comment (2026-08-25): [redacted] received corrected PCCD and LOE moving the fee from section C to H but LOE does not confirm if the survey fee is non-lender required please provide attestation confirming the same as only moving the fee does not confirms the requirement of Survey. Buyer Comment (2026-08-21): pccd docs with proof sent to bwr upld, please see final ss on [redacted]-[redacted], survey fee moved to section h Reviewer Comment (2026-08-21): [redacted] received rebuttal that Survey fee was disclosed on initial LE which is correct but on final CD there are [redacted] different survey fees are disclosed one is Title - survey fee of $[redacted]and another is Survey fee of $[redacted]. The cure is required for adding Survey fee of $[redacted]on CD dated [redacted]. Please provide a valid COC for adding the fee or cure would be required. Buyer Comment (2026-08-20): please cancel, the survey fee was disclosed in the amt of $[redacted]on the initial le ([redacted]) |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | 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 | |||||||||
| 226099417 | [Redacted] | [Redacted] | 37206274 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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. | Total Recording fees increased to $[redacted]on Closing Disclosure [redacted]. File does not contain a valid Change of Circumstance for this fee, nor evidence of a cure. | Reviewer Comment (2026-08-21): [redacted] received rebuttal comment. Upon further review no [redacted]% cure is required. Buyer Comment (2026-08-20): please cancel, bwr shopped for fees, they are not [redacted]% tolerance. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | 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 | |||||||||
| 226099487 | [Redacted] | [Redacted] | 37203627 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226099487 | [Redacted] | [Redacted] | 37203628 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226099798 | [Redacted] | [Redacted] | 37201139 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate document was missing in the file. | Reviewer Comment (2026-08-17): Received Business Purpose Certificate. Exception Cleared. Seller Comment (2026-08-13): BUSINESS |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226099798 | [Redacted] | [Redacted] | 37201145 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization document was missing in the file. | Reviewer Comment (2026-08-17): Received Cash Out letter. Exception Cleared. Seller Comment (2026-08-13): This letter was located in page [redacted]of [redacted]- please review. Seller Comment (2026-08-13): LOE |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226100571 | [Redacted] | [Redacted] | 37239430 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final closing statement/HUD was missing in file. | Reviewer Comment (2026-09-15): Received stamped certified true copy of closing statement. Exception Cleared. Buyer Comment (2026-09-11): please see attached title true & cert copy of final alta Reviewer Comment (2026-09-04): Signature page signed by all parties is required for the final closing statement. Exception remains Buyer Comment (2026-09-02): please clarify as this is a [redacted]loan. these are dry funding states where the final alta is produced for the disbursement of the loan and is not required to be signed. the signature page belongs to the estimated alta signed at closing Reviewer Comment (2026-09-02): Received Closing Statement does not reflect the signed date. Additionally, the signed page is not included as part of the Closing Statement package. The signed page reflects a print date of [redacted], whereas the Closing Statement document reflects a print date of [redacted]. Exception Remains. Buyer Comment (2026-09-01): please see attached final alta |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226100571 | [Redacted] | [Redacted] | 37239431 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | File was missing prepayment addendum. | Reviewer Comment (2026-09-02): Received Note Addendum - Prepayment document. Verified and updated details. Exception Cleared. Buyer Comment (2026-09-01): please see attached note addendum |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| 226100571 | [Redacted] | [Redacted] | 37239432 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | File was missing [Redacted]family rider. | Reviewer Comment (2026-09-02): Received [redacted] family rider document. Verified and updated details. Exception Cleared. Buyer Comment (2026-09-01): please see attached mortgage riders |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226100571 | [Redacted] | [Redacted] | 37239446 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | The verification of identification is not filled out. | Reviewer Comment (2026-09-02): Received Driver's license document. Verified and updated details. Exception Cleared. Buyer Comment (2026-09-01): please see attached IDs |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226100571 | [Redacted] | [Redacted] | 37239447 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | The prepayment rider to the security instrument is missing. | Reviewer Comment (2026-09-02): Received the prepayment rider to the security instrument document. Verified and updated details. Exception Cleared. Buyer Comment (2026-09-01): please see attached mortgage riders |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226100571 | [Redacted] | [Redacted] | 37253769 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the first payment letter. | Reviewer Comment (2026-09-02): Received first payment letter document. Verified and updated details. Exception Cleared. Buyer Comment (2026-09-01): please see attached [redacted]st payment letter |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226100606 | [Redacted] | [Redacted] | 37206218 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-11): Sufficient Cure Provided At Closing |
08/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Investment | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | N/A | N/A | Yes | ||||||||||
| 226100672 | [Redacted] | [Redacted] | 37205256 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax verification documents required. | Reviewer Comment (2026-08-17): Received Tax verification for property [redacted] Exception cleared. Buyer Comment (2026-08-13): Please see attached. |
08/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226101127 | [Redacted] | [Redacted] | 37205590 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted] $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Loan Extension fee is added in Final CD $[redacted], however the Changed Circumstance was over [redacted] prior to the actual change on the Closing Disclosure. | Reviewer Comment (2026-08-18): [redacted] received updated CD and valid changed circumstance. Buyer Comment (2026-08-17): Rate was relocked. See [redacted]/[redacted] |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | 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 | |||||||||
| 226101127 | [Redacted] | [Redacted] | 37206680 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the final CD from the bridge loan on the departure home. | Reviewer Comment (2026-08-19): Received Closing Disclosure. Exception cleared. Buyer Comment (2026-08-17): Final CD |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226101451 | [Redacted] | [Redacted] | 37213978 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted] mortgage payment history for the borrower's residence. | Reviewer Comment (2026-08-26): Received [redacted]months pay history for primary residence. Exception cleared. Buyer Comment (2026-08-24): Pay history |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Refinance - Cash-out - Home Improvement | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226101452 | [Redacted] | [Redacted] | 37210359 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Closing statement is missing for the sold property. | Reviewer Comment (2026-09-11): Borrower has sufficient reserves to meet asset requirement. Exception cleared. Buyer Comment (2026-09-09): please note we are following the signature guidelines of excluding residence per departing residence guidelines. we have provided the listing agreement and sales contract as per requirements. in addition to listing agreement and sales contract, the borrower has sufficient assets as shown in your assets\loan summary screen. Reviewer Comment (2026-08-27): Require closing statement to consider under assets, PITIA is already excluded from the ratio. Buyer Comment (2026-08-25): please see purchase contract\listing agreement for sale of home at [redacted], doc [redacted]to satisfy program guides to excluding departing residence pitia |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226101452 | [Redacted] | [Redacted] | 37210360 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-08-27): E-Sign Consent Agreement received. Buyer Comment (2026-08-25): please see attached econsent |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226101453 | [Redacted] | [Redacted] | 37211787 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The [Redacted]indicates there is a lender exception approval, however the lender exception form, approval and compensating factors was not located in the file. | Reviewer Comment (2026-08-18): Received lender exception approval document. Verified and updated details. Exception Cleared. Buyer Comment (2026-08-17): except aprvl upld |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226101560 | [Redacted] | [Redacted] | 37211790 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Appraisal document to evidence the departing residence has at least [redacted] equity is missing in file. | Reviewer Comment (2026-09-03): Received proof of sold for departing residence. Exception cleared. Buyer Comment (2026-09-02): proof departing residence sold upld Reviewer Comment (2026-08-27): Require appraisal report for departing residence [redacted]. Exception Remains. Buyer Comment (2026-08-25): the sales contract is on [redacted] Reviewer Comment (2026-08-25): A final closing statement (such as a Closing Disclosure or Settlement Statement) is required to prove the sale has actually completed or If the PITIA payment of [redacted] property is excluded from the DTI using Sale of Departing address provision of the guideline then a full or exterior only appraisal evidencing the departing residence has at least [redacted]% equity after deduction of all liens outstanding against the property is required. Exception remains Buyer Comment (2026-08-21): final cd from bridge loan is on [redacted] |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226101560 | [Redacted] | [Redacted] | 37211821 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Appraisal document to evidence the departing residence has at least [redacted] equity is missing in file. | Reviewer Comment (2026-09-03): Received proof of sold for departing residence. Exception cleared. Buyer Comment (2026-09-02): proof departing residence sold upld to trl docs Reviewer Comment (2026-08-27): Require appraisal report for departing residence [redacted]. Exception Remains. Buyer Comment (2026-08-25): the sales contract is on [redacted] Reviewer Comment (2026-08-25): A final closing statement (such as a Closing Disclosure or Settlement Statement) is required to prove the sale has actually completed or If the PITIA payment of [redacted]property is excluded from the DTI using Sale of Departing address provision of the guideline then a full or exterior only appraisal evidencing the departing residence has at least [redacted]% equity after deduction of all liens outstanding against the property is required. Exception remains Buyer Comment (2026-08-21): final cd from bridge loan is on [redacted] |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226101560 | [Redacted] | [Redacted] | 37211877 | 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 income document requirements not met. | Reviewer Comment (2026-09-03): Received proof of sold for departing residence. Exception cleared. Buyer Comment (2026-09-02): proof departing residence sold upld to trl docs Reviewer Comment (2026-08-27): Require appraisal report for departing residence [redacted]. Exception Remains. Buyer Comment (2026-08-25): the sales contract is on [redacted] Reviewer Comment (2026-08-25): A final closing statement (such as a Closing Disclosure or Settlement Statement) is required to prove the sale has actually completed or If the PITIA payment of [redacted] property is excluded from the DTI using Sale of Departing address provision of the guideline then a full or exterior only appraisal evidencing the departing residence has at least [redacted]% equity after deduction of all liens outstanding against the property is required. Exception remains Buyer Comment (2026-08-21): final cd from bridge loan is on [redacted] |
09/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226101560 | [Redacted] | [Redacted] | 37211878 | 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 income document requirements not met. | Reviewer Comment (2026-09-03): Received proof of sold for departing residence. Exception cleared. Buyer Comment (2026-09-02): proof departing residence sold upld to trl docs Reviewer Comment (2026-08-27): Require appraisal report for departing residence [redacted]. Exception Remains. Buyer Comment (2026-08-25): the sales contract is on [redacted] Reviewer Comment (2026-08-25): A final closing statement (such as a Closing Disclosure or Settlement Statement) is required to prove the sale has actually completed or If the PITIA payment of [redacted]property is excluded from the DTI using Sale of Departing address provision of the guideline then a full or exterior only appraisal evidencing the departing residence has at least [redacted]% equity after deduction of all liens outstanding against the property is required. Exception remains Buyer Comment (2026-08-21): final cd from bridge loan is on [redacted] |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226101560 | [Redacted] | [Redacted] | 37211879 | 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 income document requirements not met. | Reviewer Comment (2026-09-03): Received proof of sold for departing residence. Exception cleared. Buyer Comment (2026-09-02): proof departing residence sold upld to trl docs Reviewer Comment (2026-08-27): Require appraisal report for departing residence [redacted]. Exception Remains. Buyer Comment (2026-08-25): the sales contract is on [redacted] Reviewer Comment (2026-08-25): A final closing statement (such as a Closing Disclosure or Settlement Statement) is required to prove the sale has actually completed or If the PITIA payment of [redacted] property is excluded from the DTI using Sale of Departing address provision of the guideline then a full or exterior only appraisal evidencing the departing residence has at least [redacted]% equity after deduction of all liens outstanding against the property is required. Exception remains Buyer Comment (2026-08-21): final cd from bridge loan is on [redacted] |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226101783 | [Redacted] | [Redacted] | 37209281 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The document date is missing from the Business Entity document for [redacted]. | Reviewer Comment (2026-08-24): Document provided Buyer Comment (2026-08-20): Rebuttal |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226101784 | [Redacted] | [Redacted] | 37212381 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | There is a [Redacted]property owner reflected on the security instrument, signature page. This individual needs to be on page [redacted]of the security instrument and the proposed insured on the title. | Reviewer Comment (2026-09-18): Received warranty deed as required. Exception cleared. Buyer Comment (2026-09-15): Rebuttal Reviewer Comment (2026-08-25): Provide corrected security instrument with signature page to reflect individuals on page [redacted] of the security instrument. Exception remains Buyer Comment (2026-08-21): This is a non borrower / non titled spouse of B1 |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226101784 | [Redacted] | [Redacted] | 37212440 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | The signature page of the Security Instrument shows [redacted]property owners, however page [redacted]and the title do not. | Reviewer Comment (2026-09-18): Received warranty deed as required. Exception cleared. Buyer Comment (2026-09-15): See rebuttal |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226101947 | [Redacted] | [Redacted] | 37209503 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-12): Sufficient Cure Provided At Closing |
08/12/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226101960 | [Redacted] | [Redacted] | 37209450 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted] or $[redacted]. [redacted] over legal limit. Sufficient cure is required. | Reviewer Comment (2026-08-20): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-19): PCCD, LOX, Label and Check |
08/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | 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 | |||||||||
| 226101960 | [Redacted] | [Redacted] | 37209451 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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. | [Redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Sufficient cure is required. | Reviewer Comment (2026-08-20): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-19): see uploaded |
08/20/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | 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 | |||||||||
| 226102159 | [Redacted] | [Redacted] | 37209268 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification was missing in file. | Reviewer Comment (2026-08-27): HOA details verified and updated. Exception cleared. Buyer Comment (2026-08-25): HOA |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226119427 | [Redacted] | [Redacted] | 37210849 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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 Amount of $[redacted]exceeds the tolerance of $[redacted]. $[redacted]over the legal limit; no cure was provided. | Reviewer Comment (2026-08-19): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-08-17): This credit has already been given. Please clear condition. |
08/19/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | 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 | |||||||||
| 226119427 | [Redacted] | [Redacted] | 37210850 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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. | Transfer Tax Fee Amount of $[redacted]exceeds the tolerance of $[redacted]. $[redacted]over the legal limit; no cure was provided. | Reviewer Comment (2026-09-03): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-09-02): Please see attached. Reviewer Comment (2026-08-26): [redacted] agrees with the rebuttal response. Upon further review, the tolerance violation results in a required cure of $[redacted]to the borrower. Provide refund cure with cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Buyer Comment (2026-08-24): To be clear, you are stating that there needs to be a cure of $[redacted]? Reviewer Comment (2026-08-19): [redacted] received rebuttal and we are agree with the fact that the transfer tax was increased on revised LE dated [redacted] from $[redacted]to $[redacted]due to increase in loan amount but on final CD State Tax/Stamp was increased from $[redacted]to $[redacted]without providing any valid COC in file. The cure of $[redacted]provided at closing is not sufficient to cover all tolerances. Total cure required is $[redacted](Credit report) and $[redacted](Transfer Tax). Remaining to cure is $0.08. Please provide more information or cure docs for remaining cure. Buyer Comment (2026-08-17): The transfer tax tolerance was exceeded due to a valid increase in the loan amount that occurred on [redacted]. The increase in the loan amount resulted in a corresponding increase in the applicable transfer taxes. A valid Change of Circumstance (COC) was completed and documented at the time of the loan amount increase, which permitted the associated transfer tax adjustment. Therefore, the transfer tax increase was caused by a valid, documented change in the loan terms and was not an unexplained or unauthorized fee increase. Based on the documented COC dated [redacted] and the resulting increase in transfer taxes, this condition should be cleared. |
09/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | 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 | |||||||||
| 226119427 | [Redacted] | [Redacted] | 37210975 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] days of the Note. | - | VVOE is not provided within [redacted] from note date. | Reviewer Comment (2026-08-18): Confirmation for verification of employment for co-borrower received and verified. Exception cleared. Buyer Comment (2026-08-17): Waterfall |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226119427 | [Redacted] | [Redacted] | 37210978 | 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. | VVOE is not provided within [redacted] from note date. | Reviewer Comment (2026-08-18): Confirmation for verification of employment for co-borrower received and verified. Exception cleared. Buyer Comment (2026-08-17): Waterfall |
08/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226119427 | [Redacted] | [Redacted] | 37210979 | 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. | VVOE is not provided within [redacted] from note date. | Reviewer Comment (2026-08-18): Confirmation for verification of employment for co-borrower received and verified. Exception cleared. Buyer Comment (2026-08-17): Please see attatched. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226119427 | [Redacted] | [Redacted] | 37214237 | 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.) | Co-borrower VVOE was not provided within [redacted] days of note date. | Reviewer Comment (2026-08-18): Confirmation for verification of employment for co-borrower received and verified. Exception cleared. Buyer Comment (2026-08-17): Waterfall |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226119427 | [Redacted] | [Redacted] | 37214247 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VVOE was not provided within [redacted] days of note date. | Reviewer Comment (2026-08-18): Confirmation for verification of employment for co-borrower received and verified. Exception cleared. Buyer Comment (2026-08-17): Waterfall |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226119427 | [Redacted] | [Redacted] | 37214336 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Reviewer Comment (2026-08-18): Bid Tape has-been corrected for DTI ratio and corrected [redacted]received. Now DTI within guideline limit. Exception cleared. Buyer Comment (2026-08-17): Please see attached. |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 226119678 | [Redacted] | [Redacted] | 37211729 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Subject property expenses and other debt are higher than the calculation. | Reviewer Comment (2026-09-04): Bid tape DTI data updated. Exception cleared. Buyer Comment (2026-09-03): Corrected [redacted]and requested bid tape correction Reviewer Comment (2026-08-31): DTI discrepancy due to Loan qualifying method I/O P&I mismatch which needs to be corrected to match the DTI. Exception Remains. Buyer Comment (2026-08-27): Bid tape update requested Buyer Comment (2026-08-27): Updated [redacted]/[redacted] Reviewer Comment (2026-08-24): The variance in DTI due to the all other month payments as per [redacted]is $[redacted](Credit debt $[redacted]+ [redacted]Douglas Ave REO expense $[redacted]). The property [redacted] PITIA as per statement is $[redacted]which not matching with [redacted]/[redacted]. Required corrected [redacted]/[redacted]. Exception remains. Buyer Comment (2026-08-20): Adjusted but still dont see reviewers calculations . Can you clarify $[redacted]difference ? Using $[redacted]in revolving and full $[redacted]from other property. Subject is $[redacted]and primary is $[redacted] |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226119678 | [Redacted] | [Redacted] | 37211739 | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Subject property expenses are higher than the calculation. | Reviewer Comment (2026-09-10): Cleared. Received updated bid tape and [redacted]. Buyer Comment (2026-09-10): I wanted to check in on this open condition as I believe it should be cleared as the DTI was address already . Can we get this cleared or clarified ? |
09/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226119678 | [Redacted] | [Redacted] | 37220488 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing the most recent [redacted] mortgage pay history for the subject and primary residence. | Reviewer Comment (2026-08-24): Received lease agreement and pay history to verify housing history. Exception cleared. Buyer Comment (2026-08-20): VOR and payoff with no late payments |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226120487 | [Redacted] | [Redacted] | 37217323 | Compliance | Compliance | Federal Compliance | Federal HPML | [Redacted]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]. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-08-25): Received evidence of borrower's receipt. Cleared. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226120487 | [Redacted] | [Redacted] | 37217324 | 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 [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] days prior to Note. | Reviewer Comment (2026-08-25): Received evidence of borrower's receipt. Cleared. Buyer Comment (2026-08-21): Appraisal sent |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226120487 | [Redacted] | [Redacted] | 37217329 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the [redacted] threshold. Disclosed Amount Financed on [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. | Reviewer Comment (2026-09-16): [redacted] received PCCD with updated lender credit and LOE. Buyer Comment (2026-09-15): PCCD with letter Reviewer Comment (2026-09-03): If I am understanding the question I believe the removal of the negative fee for the [redacted] day extension and replacing the amount with a general lender credit would be an effective way to address the issue. The redisclosure would require PCC, LOE, and proof of mailing. Buyer Comment (2026-09-02): please clarify as you state the corrective action to be "with a credit for the specific finance charge fee in the Paid by Others column" - which it already shows that way as per screen shots on investor memo doc [redacted]page [redacted]& [redacted]. The screen shot shows that the lender is paying $[redacted]towards the borrower's [redacted] day extension fee. Because the extension fee is only $[redacted], the line discloses the lender giving an additional credit of $[redacted](totaling the $[redacted]amount showing in the Paid by Others column. Thus, "a credit for the specific finance charge" has been established. If the issue is that the negative amount needs removed to satisfy the condition, would you accept a pccd moving that $-[redacted]from the line itself and adding it as a cure on the bottom of page [redacted]? Reviewer Comment (2026-08-27): [redacted] received rebuttal of additional lender credit to borrower paid towards the [redacted] day extension fee resulting in negative fee of -$[redacted]. If the negative fee was meant to be a credit towards the APR fees, then the lender will need to provide a LOE and a PCCD with a credit for the specific finance charge fee, in the "Paid by Others" column. While the TRID rules do not explicitly prohibit the use of negative fees, they instead instruct under which circumstances it would be appropriate to use a negative number.For example: *Total Closing Costs on Alternative cash to close table - [redacted](e)([redacted])(ii): "Under the subheading "Final," the amount disclosed under paragraph (h)([redacted]) of this section, disclosed as a negative number;" *Total Payoffs and Payments on Alternative cash to close table - [redacted](e)([redacted])(ii): "Under the subheading "Final," the total amount of payoffs and payments made to third parties disclosed pursuant to paragraph (t)([redacted])(vii)(B) of this section, to the extent known, disclosed as a negative number; " *Closing Costs Details - [redacted](g)([redacted])-[redacted]: "Negative prepaid interest. The prepaid interest amount is disclosed as a negative number if the calculation of prepaid interest results in a negative number." *Closing Costs Total - [redacted](h)([redacted]): "The amount described in § [redacted](g)([redacted])(ii) as a negative number, labeled "Lender Credits" and designated borrower-paid at closing, and if a refund is provided pursuant to § [redacted](f)([redacted])(v), a statement that this amount includes a credit for an amount that exceeds the limitations on increases in closing costs under § [redacted](e)([redacted]), and the amount of such credit under § [redacted](f)([redacted])(v). As a result, [redacted] does not permit the application of the negative fee to the APR/Finance Charge as it is not specifically authorized. Buyer Comment (2026-08-26): Rebuttal |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226120487 | [Redacted] | [Redacted] | 37217343 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Reviewer Comment (2026-08-25): Received required documentation. Condition cleared. Buyer Comment (2026-08-21): Divorce docs |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226120499 | [Redacted] | [Redacted] | 37214115 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. Insufficient cure was provided. | Reviewer Comment (2026-08-26): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-08-25): please see attached cure log. $[redacted]appraisal review fee cured on final cd |
08/26/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226120499 | [Redacted] | [Redacted] | 37214116 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded [redacted] Guaranty Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Fee was added on closing disclosure issued [redacted], No change of circumstance provided. Insufficient cure was provided. | Reviewer Comment (2026-08-28): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-27): please see attached lox, pccd and check |
08/28/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226120499 | [Redacted] | [Redacted] | 37220578 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] month cash flow analysis for each business account used. The CPA letter provided does not acknowledge this. | Reviewer Comment (2026-09-11): Received Evidence of Access to funds is verified and associated, exception cleared. Buyer Comment (2026-09-09): please clarify why cash flow worksheet is not sufficient. it was provided as per the condition "or a recent [redacted] month cash flow analysis" Reviewer Comment (2026-08-27): Evidence of access to funds not provided, exception remains. Buyer Comment (2026-08-26): please see attached cash flow analysis worksheet |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226120642 | [Redacted] | [Redacted] | 37218301 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | HUD is missing for the bridge loan. | Reviewer Comment (2026-08-24): Document provided Buyer Comment (2026-08-20): Final Settlement Statement |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226120642 | [Redacted] | [Redacted] | 37218306 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HUD is missing for the bridge loan. | Reviewer Comment (2026-08-24): Received Bridge loan closing disclosure. Exception cleared. Buyer Comment (2026-08-20): CD |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226120642 | [Redacted] | [Redacted] | 37218327 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226120813 | [Redacted] | [Redacted] | 37219151 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement for second lien on REO located on Ridgemont Dr. is missing. | Reviewer Comment (2026-08-20): Received Final Closing Disclosure for the departure residence verifying [redacted]nd lien P&I amount. Exception cleared. Buyer Comment (2026-08-18): final cd |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226120813 | [Redacted] | [Redacted] | 37223829 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [Redacted]due to missing REO document. | Reviewer Comment (2026-08-20): Received Final Closing Disclosure for the departure residence verifying [redacted]nd lien P&I amount. Exception cleared. Buyer Comment (2026-08-18): see uploaded |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226120813 | [Redacted] | [Redacted] | 37223849 | 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. | [Redacted]due to missing REO document. | Reviewer Comment (2026-08-20): Received Final Closing Disclosure for the departure residence verifying [redacted]nd lien P&I amount. Exception cleared. Buyer Comment (2026-08-18): see uploaded |
08/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226120813 | [Redacted] | [Redacted] | 37223850 | 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. | [Redacted]due to missing REO document. | Reviewer Comment (2026-08-20): Received Final Closing Disclosure for the departure residence verifying [redacted]nd lien P&I amount. Exception cleared. Buyer Comment (2026-08-18): see uploaded |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226120813 | [Redacted] | [Redacted] | 37223851 | 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.) | [Redacted]due to missing REO document. | Reviewer Comment (2026-08-20): Received Final Closing Disclosure for the departure residence verifying [redacted]nd lien P&I amount. Exception cleared. Buyer Comment (2026-08-18): see uploaded |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226120814 | [Redacted] | [Redacted] | 37218598 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for [redacted]. | Reviewer Comment (2026-09-17): HOI and tax verification received for reo property. Exception cleared. Buyer Comment (2026-09-15): HOI and tax Reviewer Comment (2026-08-31): Require Insurance verification and Tax cert of REO property "[redacted]" to clear the exception. Exception Remains. Buyer Comment (2026-08-27): final CD for [redacted] |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MS | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226120820 | [Redacted] | [Redacted] | 37218943 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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. | There is no cure provided in the file | Reviewer Comment (2026-09-15): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-11): Please see attached. Reviewer Comment (2026-08-28): [redacted]: The prelim CD received is not a valid changed circumstance in order for a fee to be re-baselined. 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 § [redacted](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 § [redacted](e)([redacted]) were satisfied." To comply with the COC requirements and re-baseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: 1) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); 2) specific reason for the revision and how it impacted the specific fee(s) that increased; 3) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for re-baseline); and 4) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § [redacted](e)(3)(iv)(A) through (F) has occurred). Provide valid COC for the fee was increase or Cure is required to borrower. Buyer Comment (2026-08-27): Please see the prelim CD which shows the increase in the fees which is valid. Please clear condition. Reviewer Comment (2026-08-26): [redacted] received rebuttal comment. However, [redacted] also required details of the additional unanticipated documents that were recorded and caused the fee increase. Provide supporting documentation showing when the lender became aware of the need for these additional recordings to validate the changed circumstance and additional information is required on how the release of prior lien recorded will impact the fee or a cure is required. Buyer Comment (2026-08-24): Recording fees are increased based on need to record additional unanticipated documents such as release of prior lien. Please clear condition. Reviewer Comment (2026-08-19): [redacted] received rebuttal comment and as per referred COC dated [redacted] the increase in recording fee is due to updated real estate tax assessed value but no reason provided for increase in transfer tax. Also, the reason provided is not sufficient to explain how tax assessment value affect the transfer tax. Please provide more information or cure would be required. Buyer Comment (2026-08-17): Please see the COC from [redacted] at this time it was disclosed to the borrower that the recording fees were increased due to updated real estate tax assessed value. Please clear condition. |
09/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | VA | 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 | |||||||||
| 226120824 | [Redacted] | [Redacted] | 37218550 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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. | Appraisal 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 a cure in the file. | Reviewer Comment (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226120825 | [Redacted] | [Redacted] | 37218583 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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. | [Redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Sufficient cure is required. | Reviewer Comment (2026-08-24): [redacted] received a valid COC. Buyer Comment (2026-08-21): fees were re-baselined on teh [redacted] cd ([redacted]), the coc is on [redacted]the transfer taxes were re-disclosed as $[redacted], we cured $[redacted]on the final closing cd. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | 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 | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226120825 | [Redacted] | [Redacted] | 37327438 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-24): Sufficient Cure Provided At Closing |
08/24/2026 | No | 1 | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226120826 | [Redacted] | [Redacted] | 37219506 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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 increase of recording fee. No valid COC provided, 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 (2026-08-27): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-08-26): please see attached final cd cure log. $[redacted][redacted]% tolerance fee cure provided on final CD doc [redacted] |
08/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | 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 | |||||||||
| 226120826 | [Redacted] | [Redacted] | 37219507 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-27): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-08-26): please see attached final cd cure log. $[redacted]credit report fee cure provided on final CD doc [redacted] |
08/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | 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 | |||||||||
| 226120826 | [Redacted] | [Redacted] | 37376796 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-27): Sufficient Cure Provided At Closing |
08/27/2026 | No | 1 | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226120826 | [Redacted] | [Redacted] | 37376797 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-27): Sufficient Cure Provided At Closing |
08/27/2026 | No | 1 | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226120827 | [Redacted] | [Redacted] | 37218705 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [redacted]% is in excess of the allowable maximum of [redacted]% of the Federal Total Loan Amount. Points and Fees of $[redacted]on a Federal Total Loan Amount of $[redacted]vs. an allowable total of $[redacted](an overage of $[redacted]or .[redacted]%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-08-25): Received invoice Buyer Comment (2026-08-21): processing fee invoice upld, please remove $[redacted]from points & fees, it is paid to a third party, not the lender. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226120827 | [Redacted] | [Redacted] | 37218711 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-25): Received e-sign consent agreement. Exception cleared. Buyer Comment (2026-08-21): proof econsent accepted and that initial disclosures were also sent regular mail. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226120827 | [Redacted] | [Redacted] | 37218726 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted], prior to [redacted] business days from transaction date of [redacted]. | The subject loan transaction disbursed on [redacted], prior to [redacted] business days from the transaction date of [redacted]. | Reviewer Comment (2026-08-25): Received final closing statement. Buyer Comment (2026-08-21): fcert copy of fss upld, loan disbursed [redacted]. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226120827 | [Redacted] | [Redacted] | 37218730 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold. Disclosed Amount Financed on [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Calculated finance charges are $[redacted], and on the Final Closing Disclosure, it is mentioned as $[redacted], showing a variance of -$[redacted]. All fees were updated as mentioned on the documents. | Reviewer Comment (2026-09-01): [redacted] received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2026-08-31): pccd docs with cure, rtc and proof of delivery upld |
09/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226120827 | [Redacted] | [Redacted] | 37225503 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing the most recent [redacted] mortgage payment history on the subject property. The VOM's provided are blank | Reviewer Comment (2026-08-25): Received VOM for subject property. Exception cleared. Buyer Comment (2026-08-21): vom'sr e-upld |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226121030 | [Redacted] | [Redacted] | 37219093 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Missing Background Check in the loan file. | Reviewer Comment (2026-08-18): Received Fraud report document. Verified and updated details. Exception Cleared. Seller Comment (2026-08-17): Unsure what is being asked but we think Fraud shold clear |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226121030 | [Redacted] | [Redacted] | 37219096 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Missing Business Purpose Certificate in the loan file. | Reviewer Comment (2026-08-26): Document accectable Seller Comment (2026-08-26): Our Compliance believes the current dating is acceptable. (that is when the statement was made) The date should not be a detriment; the value / message of the statement is the same and possibly better since it was provided later. Reviewer Comment (2026-08-25): Business Purpose Certificate is dated post [redacted]. Note date [redacted]. Seller Comment (2026-08-24): Business Purpose attached Reviewer Comment (2026-08-18): The Affidavit of Occupancy cannot be considered as a Business Purpose Certificate. Exception Remains. Seller Comment (2026-08-17): Affidavit of Occupancy |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226121030 | [Redacted] | [Redacted] | 37219097 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Missing Cash-Out Utilization in the loan file. | Reviewer Comment (2026-08-20): Received cash-out utilization letter. Exception cleared. Seller Comment (2026-08-18): The letter is hand written by the borrower - please review again. She has her name, phone number, email. Reviewer Comment (2026-08-18): The Letter of Explanation received is not signed by the borrower. Exception Remains. Seller Comment (2026-08-17): Cash out utilization |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226121030 | [Redacted] | [Redacted] | 37219099 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Missing Fraud report in the loan file. | Reviewer Comment (2026-08-18): Received Fraud report document. Verified and updated details. Exception Cleared. Seller Comment (2026-08-17): Should clear Fraud and OFAC |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226121030 | [Redacted] | [Redacted] | 37219102 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | Missing OFAC Report in the loan file. | Reviewer Comment (2026-08-18): Received Fraud report document. Verified and updated details. Exception Cleared. Seller Comment (2026-08-17): Business purpose, this one and fraud -this one |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226121030 | [Redacted] | [Redacted] | 37219122 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC Report is missing in the loan file, and an exception was raised for the same. | Reviewer Comment (2026-08-18): Received Fraud report document. Verified and updated details. Exception Cleared. Seller Comment (2026-08-17): fraud |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226121130 | [Redacted] | [Redacted] | 37218267 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-09-22): Received Title Final. Exception Cleared. |
09/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226121130 | [Redacted] | [Redacted] | 37218268 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background Check document is missing in the loan file. | Reviewer Comment (2026-09-09): Associated to the Fraud Report, cleared Buyer Comment (2026-09-08): Waterfall |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226121130 | [Redacted] | [Redacted] | 37218269 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report document is missing in the loan file. | Reviewer Comment (2026-09-09): Fraud Report, cleared Buyer Comment (2026-09-08): Please see attached. |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226121130 | [Redacted] | [Redacted] | 37220833 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part 1 items #[redacted]reflects bankruptcy with outstanding balances in the amount of $tbd. HUD 1 does not reflect payoff of bankruptcy. Please provide evidence bankruptcy have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-09-22): Received Title Final. Exception Cleared. Buyer Comment (2026-09-21): Please see attached. Reviewer Comment (2026-09-16): Received Bankruptcy Dismissal document stating that the Banruptcy was Terminated. Please Provide Final Title Policy with no Bankruptcy or Liens on Subject. Exception remains. Buyer Comment (2026-09-14): Please see attached, additional documentation/verification provided by title. Please clear condition. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226121824 | [Redacted] | [Redacted] | 37225433 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226122237 | [Redacted] | [Redacted] | 37218991 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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 Recording Fee. No valid COC was provided. Insufficient cure provided. | Reviewer Comment (2026-08-24): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-08-21): please cancel, this was cured at closing on the final cd, sect j |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | ME | 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 | |||||||||
| 226122237 | [Redacted] | [Redacted] | 37218992 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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 $[redacted]was changed. File does not contain a valid COC for this fee. Insufficient cure provided. | Reviewer Comment (2026-08-24): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-08-21): please cancel, this was cured at closing on the final cd, sect j |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | ME | 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 | |||||||||
| 226122237 | [Redacted] | [Redacted] | 37218993 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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 [redacted] was not disclosed on the Loan Estimate. File does not contain a valid COC for this fee,. Insufficient cure provided. | Reviewer Comment (2026-08-26): [redacted] received Post CD and LOX. Buyer Comment (2026-08-25): rebuttal and pccd docs with proof sent to bwr upld Reviewer Comment (2026-08-25): [redacted] received email from title company. However, the email and information provided does not clarify if this was a lender required survey or if the borrower-chosen service provider outsourced the Survey Fee or if it was borrower elected to have survey completed on their own. If this was a lender required fee, then tolerance violation is valid. If it was outsourced by the title company, then an attestation needs to confirm this from the title company. However, if this was a borrower chosen fee, then it should have been disclosed in Section H, which a Corrected CD and LOE to borrower can be provided and it can be removed from testing. Buyer Comment (2026-08-24): attny email-survey fee |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | 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 | |||||||||
| 226122237 | [Redacted] | [Redacted] | 37358980 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-26): Sufficient Cure Provided At Closing |
08/26/2026 | No | 1 | A | A | A | A | A | ME | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226122237 | [Redacted] | [Redacted] | 37358981 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-26): Sufficient Cure Provided At Closing |
08/26/2026 | No | 1 | A | A | A | A | A | ME | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226123524 | [Redacted] | [Redacted] | 37224663 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-09-14): Received July [redacted]statement for the account ending #[redacted]statement. Exception Cleared. Buyer Comment (2026-09-10): please see attached acct #[redacted] july [redacted]statement Reviewer Comment (2026-09-02): Required July month [redacted]or [redacted]bank statement for the account #[redacted]missing in loan file. Exception remains. Buyer Comment (2026-09-01): please clarify as statement for all [redacted] accounts are uploaded, [Redacted] #[redacted], [Redacted] #[redacted]and Regions #[redacted] |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226123524 | [Redacted] | [Redacted] | 37224707 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-09-03): Checklist of Coverage for Florid state is already provided in file.. Exception cleared. Buyer Comment (2026-09-01): please se FL HOI Checklist of Coverage doc [redacted]page [redacted]. coverage is sufficient as insurance amount matches dwelling |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226123524 | [Redacted] | [Redacted] | 37224725 | Credit | Missing Document | General | Missing Document | Missing Document: Land Lease Agreement not provided | Reviewer Comment (2026-09-03): Re-validated the property "Is the land leased or financed?" as per appraisal report. Exception cleared. Buyer Comment (2026-09-01): please see borrower lox's docs [redacted]page [redacted]and [redacted]stating property was awarded to spouse in divorce decree |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226123524 | [Redacted] | [Redacted] | 37224730 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided | Reviewer Comment (2026-09-14): Received July [redacted]statement for the account ending #[redacted]statement. Exception Cleared. Buyer Comment (2026-09-10): please see attached acct #[redacted] july [redacted]statement Reviewer Comment (2026-09-02): Required July month [redacted]or [redacted]bank statement for the account #[redacted]missing in loan file. Exception remains. Buyer Comment (2026-09-01): please clarify as statements for all [redacted] accounts are uploaded, [Redacted] #[redacted], [Redacted] #[redacted]and Regions #[redacted] |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226123524 | [Redacted] | [Redacted] | 37224908 | 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. | Account statement was not provided to calculate income. | Reviewer Comment (2026-09-14): Received July [redacted]statement for the account ending #[redacted]statement. Exception Cleared. Buyer Comment (2026-09-10): please see attached acct #[redacted]july [redacted]statement Reviewer Comment (2026-09-02): Required July month [redacted]or [redacted]bank statement for the account #[redacted]missing in loan file. Exception remains. Buyer Comment (2026-09-01): please clarify as statements for all [redacted] accounts are uploaded, [Redacted] #[redacted], [Redacted] #[redacted]and Regions #[redacted] |
09/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226123524 | [Redacted] | [Redacted] | 37224909 | 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. | Account statement was not provided to calculate income. | Reviewer Comment (2026-09-14): Received July [redacted]statement for the account ending #[redacted]statement. Exception Cleared. Buyer Comment (2026-09-10): please see attached acct #[redacted]july [redacted]statement Reviewer Comment (2026-09-02): Required July month [redacted]or [redacted]bank statement for the account #[redacted]missing in loan file. Exception remains. Buyer Comment (2026-09-01): please clarify as statements for all [redacted] accounts are uploaded, [Redacted] #[redacted], [Redacted] #[redacted]and Regions #[redacted] |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226123524 | [Redacted] | [Redacted] | 37224912 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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. | No valid change of circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226123524 | [Redacted] | [Redacted] | 37224913 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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. | No valid change of circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226123884 | [Redacted] | [Redacted] | 37223041 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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. | Credit report fee a of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226123884 | [Redacted] | [Redacted] | 37223042 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Title - endorsement fee amount of [redacted] exceeds tolerance of [redacted] Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-13): Sufficient Cure Provided At Closing |
08/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226124004 | [Redacted] | [Redacted] | 37219480 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification document is missing | Reviewer Comment (2026-09-04): Received Patriot Act Information form. Exception cleared. Buyer Comment (2026-09-02): Patriot act forms are allowed to clear this condition , a photo id is not required. please clear Reviewer Comment (2026-08-27): Photo ID not provided, exception remains. Buyer Comment (2026-08-26): Identification |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226124634 | [Redacted] | [Redacted] | 37224498 | Compliance | Compliance | Federal Compliance | TILA | [redacted] Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, [redacted], not provided to the borrower within [redacted] days of application. | [redacted], not provided to the borrower within [redacted] of application. | Reviewer Comment (2026-08-25): Re-validated compliance data questions. Exception cleared. Buyer Comment (2026-08-21): File was locked as ARM on [redacted] , it was previously a fixed rate. Disclosure tracking shows CHARM sent |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226124654 | [Redacted] | [Redacted] | 37232820 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | The addendum to the note (prepayment addendum) was not signed by the member or individual. | Reviewer Comment (2026-08-21): Note Addendum - Prepayment signed, cleared Buyer Comment (2026-08-21): Addendum |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| 226124678 | [Redacted] | [Redacted] | 37224132 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien not provided | Reviewer Comment (2026-08-27): Received Subject property security instrument document, information validated. Exception Cleared. Buyer Comment (2026-08-25): Mortgage |
08/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NH | Primary | Purchase | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226124832 | [Redacted] | [Redacted] | 37226852 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement was not found for the property '[redacted]. | Reviewer Comment (2026-09-03): Closing Disclosure received confirming PITI. Buyer Comment (2026-09-01): The [redacted]is the HOA dues. See [redacted]appraisal for [redacted] which shows HOA dues of [redacted]. Reviewer Comment (2026-08-25): For property at [redacted] Final [redacted]states monthly payment of amount $[redacted]while provided final CD states monthly PITIA amount of $[redacted]. The difference of $[redacted]will result in DTI variance. Kindly provide updated [redacted]and [redacted]. Exception remains. Buyer Comment (2026-08-21): CD |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||
| 226124832 | [Redacted] | [Redacted] | 37226862 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec I[redacted] | A copy of the [Redacted]valuation required for securitization purposes was not found in the file. | Reviewer Comment (2026-09-11): CDA received. Exception cleared. Buyer Comment (2026-09-09): CDA Reviewer Comment (2026-08-25): As per guides, If the CU score exceeds [redacted], a Clear Capital CDA, Consolidated Analytics CCA or AVM supporting value must be provided. Exception Remains Buyer Comment (2026-08-21): UW wrote to guidelines that only required the CDA at >[redacted]%. |
09/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 226124832 | [Redacted] | [Redacted] | 37226924 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Loan was approved with rental income for subject in the amount of $[redacted], Comparable rent schedule in loan file shows $[redacted]per month. The loan was also approved with rental income from additional property being purchased, loan file is missing documentation to verify monthly expenses, and rental income is being excluded due to insufficient documentation. | Reviewer Comment (2026-09-03): Closing Disclosure received confirming PITI, rental income calculated. DTI matched. Buyer Comment (2026-09-01): The [redacted]is the HOA dues. See [redacted]appraisal for [redacted] which shows HOA dues of [redacted]. Reviewer Comment (2026-08-25): For property at [redacted], Final [redacted]states monthly payment of amount $[redacted]while provided final CD states monthly PITIA amount of $[redacted]. The difference of $[redacted]will result in DTI variance. Kindly provide updated [redacted]and [redacted]. Also, provide documentation confirming rental income for subject property $[redacted]. Exception remains. Buyer Comment (2026-08-21): See CD for other property and upload |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 226124832 | [Redacted] | [Redacted] | 37237744 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Loan was approved with rental income for [redacted]. 1003 shows monthly expenses as $[redacted]. Loan file is missing verification of monthly mortgage amount as well as verification that taxes and insurance are escrowed. Exclusion of rental income due to missing monthly expenses is causing a DTI exception. | Reviewer Comment (2026-09-03): Closing Disclosure received confirming PITI, rental income calculated. DTI matched. Buyer Comment (2026-09-01): The [redacted]is the HOA dues. See [redacted] appraisal for [redacted] which shows HOA dues of [redacted]. Reviewer Comment (2026-08-25): For property at [redacted], Final [redacted]states monthly payment of amount $[redacted]while provided final CD states monthly PITIA amount of $[redacted]. The difference of $[redacted]will result in DTI variance. Kindly provide updated [redacted]and [redacted]. Exception remains. Buyer Comment (2026-08-21): See CD for other property and upload |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 226124832 | [Redacted] | [Redacted] | 37237745 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [Redacted]for missing monthly expenses for additional REO being purchased and inclusion of rental income. | Reviewer Comment (2026-09-03): Closing Disclosure received confirming PITI, rental income calculated. DTI matched. Buyer Comment (2026-09-01): The [redacted]is the HOA dues. See [redacted]appraisal for [redacted] which shows HOA dues of [redacted]. Reviewer Comment (2026-08-25): For property at [redacted], Final [redacted]states monthly payment of amount $[redacted]while provided final CD states monthly PITIA amount of $[redacted]. The difference of $[redacted]will result in DTI variance. Kindly provide updated [redacted]and [redacted]. Exception remains. Buyer Comment (2026-08-21): See CD for other property and upload |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 226124833 | [Redacted] | [Redacted] | 37226432 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception Income - Loan is fast track. Borrower was previously [Redacted]for last [redacted]years (<[redacted]% ownership) at end of [redacted]converted from[Redacted] (this scenario not addressed in guides) and is only paid commission income, requesting to use commission income calculation to qualify. | 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 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. |
Borrower has been employed in the same industry for more than [redacted]years. Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted]years. Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Combined Loan to Value: [redacted]% Guideline Maximum Combined Loan to Value: [redacted]% Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC |
Reviewer Comment (2026-08-14): Waived with compensating factors per lender exception approval at origination |
08/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226124833 | [Redacted] | [Redacted] | 37226496 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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 disclosed on initial Loan Estimate as [redacted] but disclosed on final Closing Disclosure [redacted]. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file. | Reviewer Comment (2026-08-21): [redacted] Received Corrected PCCD and LOE Moving fee to section H. Buyer Comment (2026-08-20): PCCD, LOX Buyer Comment (2026-08-20): email from title |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | 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 | |||||||||
| 226124836 | [Redacted] | [Redacted] | 37237619 | 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 [redacted] 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. | Disclosures were sent to borrower prior to obtaining consent for electronic disclosure from borrower. Lender to provide proof of consent within initial [redacted] of application or proof of disclosure sent to borrower using another method within [redacted] of application. | Reviewer Comment (2026-09-10): [redacted] received disclosure summary Buyer Comment (2026-09-09): Disclosure Tracking Buyer Comment (2026-09-09): Our Blend system requires eConsent prior to viewing and signing disclosures as part of the process. Current eConsent is fine as is. Econsent sent on [redacted] , borrower received and completed on [redacted] |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226124837 | [Redacted] | [Redacted] | 37226558 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing mortgage statement for second lien to verify P&I of $[redacted]for property #[redacted] | Reviewer Comment (2026-08-27): Received Closing Disclosure for Second lien of REO property Address: "[redacted]". Exception Cleared. Buyer Comment (2026-08-25): bridge cd upld |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226124844 | [Redacted] | [Redacted] | 37226321 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec I[redacted] | The file is missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-09-03): CDA, cleared Buyer Comment (2026-09-02): CDA |
09/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 226124844 | [Redacted] | [Redacted] | 37226324 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Warranty deed is missing from the file for vested in [redacted], reflecting on the Title report. | Reviewer Comment (2026-09-03): Warranty deed, cleared Buyer Comment (2026-09-02): warranty deed |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 226124860 | [Redacted] | [Redacted] | 37226515 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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 (2026-08-14): Sufficient Cure Provided At Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226124863 | [Redacted] | [Redacted] | 37226610 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec I[redacted] | Reviewer Comment (2026-08-27): Received Secondary Appraisal Report. Exception cleared. Buyer Comment (2026-08-25): [redacted]nd appraisal |
08/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | A | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| 226124922 | [Redacted] | [Redacted] | 37226013 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report was not provided | Reviewer Comment (2026-08-19): Received Credit Report is verified and associated, exception cleared. Seller Comment (2026-08-17): CREDIT REPORT |
08/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226124922 | [Redacted] | [Redacted] | 37226050 | 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. | [Redacted]due to missing credit report | Reviewer Comment (2026-08-19): Received Credit Report is verified and associated, exception cleared. Seller Comment (2026-08-18): credit report |
08/19/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226124922 | [Redacted] | [Redacted] | 37226051 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Credit Report was not provided | Reviewer Comment (2026-08-19): Received Credit Report is verified and associated, exception cleared. Seller Comment (2026-08-18): credit report |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226124922 | [Redacted] | [Redacted] | 37226052 | 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. | [Redacted]due to missing credit report, ATR failed | Reviewer Comment (2026-08-19): Received Credit Report is verified and associated, exception cleared. Seller Comment (2026-08-18): credit report |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226124922 | [Redacted] | [Redacted] | 37226055 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [Redacted]due to missing credit report, ATR failed | Reviewer Comment (2026-08-19): Received Credit Report is verified and associated, exception cleared. |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226124922 | [Redacted] | [Redacted] | 37226059 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Credit Report was not provided | Reviewer Comment (2026-08-19): Received Credit Report is verified and associated, exception cleared. Seller Comment (2026-08-18): credit report |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226124922 | [Redacted] | [Redacted] | 37226111 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Reviewer Comment (2026-08-19): Received Credit Report is verified and associated, exception cleared. Seller Comment (2026-08-18): credit report |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226124924 | [Redacted] | [Redacted] | 37226229 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The initial rate lock is missing. | Reviewer Comment (2026-08-20): Initial rate lock provided. Exception cleared Seller Comment (2026-08-19): lock Reviewer Comment (2026-08-18): Required Initial Rate lock, Exception Remains. Seller Comment (2026-08-17): initial rate lock Reviewer Comment (2026-08-14): The initial rate lock is missing. Seller Comment (2026-08-14): Please clarify waht document is missing - not clear |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226124924 | [Redacted] | [Redacted] | 37226249 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted]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. | [Redacted]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 (2026-08-19): [redacted] received valid COC document Seller Comment (2026-08-17): COC disclosing the discount points |
08/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226124940 | [Redacted] | [Redacted] | 37226612 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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]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 (2026-09-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-08-28): Proof of delivery for Tolerance Cure Seller Comment (2026-08-28): check Reviewer Comment (2026-08-27): [redacted] Received Corrected PCCD and LOE; however, Copy of check and Proof of Mailing not received. Seller Comment (2026-08-26): PCCD, LOE, and Check |
09/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 226124947 | [Redacted] | [Redacted] | 37247608 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | The file is missing the mortgage payoff. | Reviewer Comment (2026-08-25): Received Mortgage Statement Payoff Statement. Exception Cleared. Buyer Comment (2026-08-21): Payoff |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226124947 | [Redacted] | [Redacted] | 37247695 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted] mortgage payment history for the subject property. | Reviewer Comment (2026-08-25): Revalidated Information, we do not need for members. Exception Cleared. Buyer Comment (2026-08-21): See [redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226124956 | [Redacted] | [Redacted] | 37225657 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-20): E-sign consent document received. Exception cleared. Buyer Comment (2026-08-18): Please see attached. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226124956 | [Redacted] | [Redacted] | 37225658 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The final 1003 signature was missing from the loan file. | Reviewer Comment (2026-08-20): Final signed [redacted]received. Exception cleared. Buyer Comment (2026-08-18): Please see attached. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226125114 | [Redacted] | [Redacted] | 37247778 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-08-27): Updated commitment provided, exception cleared. Buyer Comment (2026-08-26): Title |
08/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||||
| 226125200 | [Redacted] | [Redacted] | 37226713 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded [redacted] Guaranty Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Guaranty fee was not disclosed in initial Loan Estimate, no cure provided for [redacted] Guaranty fee of [redacted] in Final Closing Disclosure. | Reviewer Comment (2026-09-02): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-01): Sent out today Buyer Comment (2026-09-01): PCCD with cure |
09/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226125385 | [Redacted] | [Redacted] | 37238985 | Compliance | Compliance | Federal Compliance | TRID | TRID [Redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted]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. | Credit Report Fee increased to $[redacted]with no valid change of circumstance; however, Cure was not provided at closing. | Reviewer Comment (2026-08-15): Sufficient Cure Provided At Closing |
08/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226125446 | [Redacted] | [Redacted] | 37238977 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of [redacted] $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee was last disclosed as [redacted] on the 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. | Reviewer Comment (2026-08-25): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-08-24): upld coc and lock, cd is on [redacted], we charged for [redacted] [redacted] day extension fees in the amount of $[redacted]and issued a cure at closing for one of them on the final closing cd. The addition of the first extension fee was on [redacted]. Buyer Comment (2026-08-24): upld coc and lock, cd is on [redacted], we charged for [redacted][redacted] day extension fees in the amount of $[redacted]and issued a cure at closing for one of them on the final closing cd. The addition of the first extension fee was on [redacted]. |
08/25/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226125446 | [Redacted] | [Redacted] | 37238978 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 the 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. | Reviewer Comment (2026-08-31): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-28): pccd docs upld |
08/31/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226129423 | [Redacted] | [Redacted] | 37235280 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]with no valid change of circumstances, but was provided to borrower. | Reviewer Comment (2026-08-14): Sufficient Cure Provided At Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226129424 | [Redacted] | [Redacted] | 37228380 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [redacted]% or Final Disclosure APR of [redacted]% is equal to or greater than the threshold of APOR [redacted]+ [redacted]%, or [redacted]%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-08-27): Appraisal acknowledgement provided, exception cleared. Buyer Comment (2026-08-27): HPML compliance verified following value update. Updated [redacted]appraisal ($[redacted]value / [redacted]% LTV) is uploaded (exception: [redacted]) recalculated at [redacted]% APR with no prepayment penalties. Initial Escrow Account Disclosure [redacted]showing monthly tax/hazard insurance escrow payments ($[redacted]per month) requesting clearance. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226129424 | [Redacted] | [Redacted] | 37228388 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant three ([redacted]) business days prior to consummation. | No evidence that borrower received a copy of appraisal [redacted] business days to closing. | Reviewer Comment (2026-08-27): Appraisal acknowledgement provided, exception cleared. Buyer Comment (2026-08-27): Proof of Appraisal Delivery confirmed [redacted]and [redacted]. both within [redacted] bs day timing requirement. Requesting exception clearance |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226129424 | [Redacted] | [Redacted] | 37248651 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The loan file does not document the Borrower's ownership in the entity used for income qualification. | Reviewer Comment (2026-09-01): Document [redacted]provided Buyer Comment (2026-08-31): Certificate of Ownership doc has been uploaded for [Redacted]. Please review for clearance. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226129424 | [Redacted] | [Redacted] | 37248663 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan file does not document the Borrower's ownership in the entity used for income qualification. | Reviewer Comment (2026-09-01): Doc [redacted]reran compliance. Buyer Comment (2026-08-31): Waterfall Exception for [redacted] |
09/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | DE | 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 | |||||||||
| 226129424 | [Redacted] | [Redacted] | 37248664 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay ([redacted]): Ability to Repay ([redacted]): 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.) | The loan file does not document the Borrower's ownership in the entity used for income qualification. | Reviewer Comment (2026-09-01): Doc [redacted]reran compliance. Buyer Comment (2026-08-31): Waterfall Exception for [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226129424 | [Redacted] | [Redacted] | 37248672 | 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. | The loan file does not document the Borrower's ownership in the entity used for income qualification. | Reviewer Comment (2026-09-01): Doc [redacted]reran compliance. Buyer Comment (2026-08-31): Waterfall Exception for [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226129424 | [Redacted] | [Redacted] | 37369124 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Missing appraisal | Reviewer Comment (2026-08-27): Appraisal provided, exception cleared. Buyer Comment (2026-08-26): The value was corrected on the appraisal. Can you please update to [redacted]. The corrected LTV is [redacted]. The bid tape will be sent later this week with the corrected value as well. |
08/27/2026 | No | 1 | A | A | A | A | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226129434 | [Redacted] | [Redacted] | 37234657 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of $[redacted]is greater than guideline maximum loan amount of $[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 guideline required amount by the equivalent of [redacted]months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[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. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-28): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-28): Received lender exception approval for property on more than [redacted]acres are limited to [redacted]LTV/CLTV, primary residence, and purchase transaction. Buyer Comment (2026-08-26): Exception |
08/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NY | Second Home | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226129434 | [Redacted] | [Redacted] | 37234717 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] percent fee tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]with no valid change of circumstances, and no cure was provided to the borrower. | Reviewer Comment (2026-08-14): Sufficient Cure Provided At Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226129726 | [Redacted] | [Redacted] | 37235966 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement not provided | Reviewer Comment (2026-08-31): Updated [redacted]received with P&I amount. Details verified and updated. Exception cleared. Buyer Comment (2026-08-27): [redacted] Reviewer Comment (2026-08-25): Received mortgage statement which was already provided. Provide mortgage statement for $[redacted]. Exception remains. Buyer Comment (2026-08-21): REO |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226129730 | [Redacted] | [Redacted] | 37239911 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-03): [redacted] received Post CD and LOX. Buyer Comment (2026-09-02): PCCD with letter |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | |||||||||
| 226129730 | [Redacted] | [Redacted] | 37239952 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-27): E consent provided, exception cleared. Buyer Comment (2026-08-27): eConsent |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226129730 | [Redacted] | [Redacted] | 37239973 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-08-27): HOI provided, exception cleared. Buyer Comment (2026-08-27): Hazard |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226129731 | [Redacted] | [Redacted] | 37238695 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-09-02): Revalidated asset information for Account #[redacted]. Exception cleared. Buyer Comment (2026-08-31): Why is [redacted]his business account excluded from reserves and closing? |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226129731 | [Redacted] | [Redacted] | 37238705 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | Reviewer Comment (2026-09-02): Received bylaws document and reviewed for completeness. Exception cleared. Buyer Comment (2026-08-31): bylaws |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226129731 | [Redacted] | [Redacted] | 37238735 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-09-02): Revalidated asset information for Account #[redacted]. Exception cleared. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226129731 | [Redacted] | [Redacted] | 37238737 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]: Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Due Diligence Loan Designation of ATR Risk due to missing guideline required reserves. | Reviewer Comment (2026-09-02): Revalidated asset information for Account #[redacted]. Exception cleared. |
09/02/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226129731 | [Redacted] | [Redacted] | 37238738 | 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. | Due Diligence Loan Designation of ATR Risk due to missing guideline required reserves. | Reviewer Comment (2026-09-02): Revalidated asset information for Account #[redacted]. Exception cleared. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226129736 | [Redacted] | [Redacted] | 37238223 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Income is calculated as per the available document (less than [redacted]), hence DTI is lower. | Reviewer Comment (2026-08-31): Bid Tape updated Reviewer Comment (2026-08-31): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-08-28): bid tape has been corrected Reviewer Comment (2026-08-24): Received revised [redacted]and [redacted]with corrected income and DTI of [redacted]%. However, the Bid Tape DTI remains at [redacted]% and should be updated to the revised [redacted]DTI of [redacted]%. Exception remains. Buyer Comment (2026-08-20): [redacted]& [redacted] |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226129736 | [Redacted] | [Redacted] | 37238242 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | The file is missing a valid Change of Circumstance for the increase in Discount Points. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-14): Sufficient Cure Provided At Closing |
08/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226129736 | [Redacted] | [Redacted] | 37238259 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay ([redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI is lower than required. | Reviewer Comment (2026-08-31): Bid Tape updated Buyer Comment (2026-08-28): bid tape has been corrected Reviewer Comment (2026-08-24): Received revised [redacted]and [redacted]with corrected income and DTI of [redacted]%. However, the Bid Tape DTI remains at [redacted]% and should be updated to the revised [redacted]DTI of [redacted]%. Exception remains. Buyer Comment (2026-08-20): see uploaded |
08/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226129736 | [Redacted] | [Redacted] | 37238261 | 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 DTI is lower than required. | Reviewer Comment (2026-08-31): Bid Tape updated Buyer Comment (2026-08-28): bid tape has been corrected Reviewer Comment (2026-08-24): Received revised [redacted]and [redacted]with corrected income and DTI of [redacted]%. However, the Bid Tape DTI remains at [redacted]% and should be updated to the revised [redacted]DTI of [redacted]%. Exception remains. Buyer Comment (2026-08-20): see uploaded |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226129736 | [Redacted] | [Redacted] | 37238265 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | [redacted]Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | Documents were not provided. | Reviewer Comment (2026-08-24): [redacted]provided Buyer Comment (2026-08-20): see uploaded |
08/24/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226129739 | [Redacted] | [Redacted] | 37239309 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement for [redacted]nd lien is missing from the file. | Reviewer Comment (2026-09-22): Received clarification/approval/documentation from lender. Condition cleared. Buyer Comment (2026-09-18): rebuttal upld Reviewer Comment (2026-09-17): Require Mortgage statement of [redacted]nd line amount $[redacted]of REO property "[redacted]" as credit report line#[redacted]does not reflect P&I amount. Exception Remains. Buyer Comment (2026-09-15): please see #[redacted]on the credit report, this is a heloc, there is no mortgage statement |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226129739 | [Redacted] | [Redacted] | 37239319 | 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 was not provided. | Reviewer Comment (2026-09-03): Received final title policy with policy amount. Exception Cleared. Buyer Comment (2026-09-01): title |
09/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226129739 | [Redacted] | [Redacted] | 37239322 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not found in the file. | Reviewer Comment (2026-09-03): Receive final title policy. Exception Cleared. |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226129739 | [Redacted] | [Redacted] | 37239324 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-08-16): Sufficient Cure Provided At Closing |
08/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226129740 | [Redacted] | [Redacted] | 37238536 | Credit | Asset | Asset Documentation | Asset | Gift Funds reflected on the CD, however supporting documentation was not found in file. | - | Reviewer Comment (2026-08-20): No Gift Funds on final closing disclosure. Exception cleared. Buyer Comment (2026-08-19): Please re-review the final CD. There are no gift funds used for this transaction. Please clear condition. |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226129741 | [Redacted] | [Redacted] | 37233999 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]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 [redacted]days prior to closing. | Reviewer Comment (2026-08-26): Appraisal delivery notice provided. Exception cleared. Buyer Comment (2026-08-25): proof aprsl was sent/received by bwr upld to trl docs |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226129741 | [Redacted] | [Redacted] | 37234000 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted]([redacted]) business days prior to consummation. | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing was provided. | Reviewer Comment (2026-08-26): Appraisal delivery notice provided. Exception cleared. Buyer Comment (2026-08-25): proof aprsl was sent/received by bwr upld |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226129741 | [Redacted] | [Redacted] | 37234003 | 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 [redacted]([redacted]) 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. | Loan Estimate was not delivered to Borrower within [redacted]business days of application. | Reviewer Comment (2026-08-26): [redacted] received summary, LE was sent via USPS. Buyer Comment (2026-08-25): econsent and proof disclosures were also sent regular mail upld |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226129741 | [Redacted] | [Redacted] | 37234005 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Rate Lock Fee was not disclosed on Loan Estimate. 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 refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-09-10): [redacted] received LE and a valid COC. Buyer Comment (2026-09-09): [redacted] le and lock ext upld, the fee was added [redacted], the valid coc is on [redacted] Reviewer Comment (2026-09-09): [redacted] received LOE and COC for rate lock extension fee on CD dated [redacted], however fee was added on [redacted] and increased on [redacted] and there is no COC available in file for addition of fee on CD dated [redacted]. Please provide valid COC or cure of $[redacted]is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-09-04): rebuttal for ext fee upld Reviewer Comment (2026-09-01): [redacted] received LOX for rebuttal response indicates that the $[redacted]credit will also move on the final CD to the inner column with additional credit of $[redacted]and total credit of $[redacted]. But final CD in the loan file reflects $[redacted] credit in outer column and it does not reflect under lender cure in inner column of section J. Provide corrected CD to reflect the cure in inner column and cure documents to reevaluate and cure this exception. Buyer Comment (2026-08-28): rebuttal and locks upld Reviewer Comment (2026-08-26): [redacted] received CD dated [redacted] and as per COC the pricing was changed due to change in FICO also the credit of $[redacted]was applied on CD but we are unable to identify if the credit added is general lender credit based on pricing or it is added to compensate the rate lock fee of $[redacted]which was added on CD [redacted] and later increased to $[redacted]on revised CD dated [redacted] without providing any valid COC. Please provide more information regarding the lender credit along with the supporting documents like rate lock or pricing documents. Buyer Comment (2026-08-25): [redacted] cd & tracking upld, coc is on [redacted], a lender credit was added |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | 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 | |||||||||
| 226129741 | [Redacted] | [Redacted] | 37234006 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-09-22): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-21): pccd docs upld Reviewer Comment (2026-09-14): [redacted] received LOX for rebuttal comment. However, the receipt of an invoice is not a valid changed circumstance in order for a fee to be re-baselined. Please provide documentation of the reason for the increase in the appraisal fee What information was received that required the increase in the fee and when was that information received. Buyer Comment (2026-09-11): please clear, per the rebuttal, the fee increased on the invoice we received [redacted] to include the $[redacted]fee retained by the appraiser, we disclosed within [redacted] days on [redacted] with the valid coc on [redacted] Reviewer Comment (2026-09-11): [redacted] received COC, LOE and invoice, but it does not give sufficient information on why the 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. Buyer Comment (2026-09-10): rebuttal upld |
09/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NC | 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 | |||||||||
| 226129746 | [Redacted] | [Redacted] | 37235427 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-08-27): Updated coverage amount provided, exception cleared. Buyer Comment (2026-08-27): please see title supplemental report doc [redacted], insured amount to be $[redacted] |
08/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Rate/Term | B | A | B | A | A | A | N/A | No | |||||||||||||||
| 226129747 | [Redacted] | [Redacted] | 37314702 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted]month mortgage payment history for the subject property. | Reviewer Comment (2026-08-28): Received VOR. Condition cleared. Seller Comment (2026-08-28): This property was just purchased [redacted] - please see the title work, please review again. Reviewer Comment (2026-08-28): Need most recent [redacted]month mortgage pay history for the Subject property, Only have [redacted] months. Uploaded document [redacted]doesnt provided pay history. Seller Comment (2026-08-27): [redacted] loans paid off that line of credit they were all on same LOC - ADDITIONAL ITEM |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226129748 | [Redacted] | [Redacted] | 37233099 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Subject is a refinance transaction and the current vested owners on title is [redacted]LLC, not the borrowing entity, [redacted] LLC. Please provide evidence that the guarantor has an ownership interest in subject in order to verify continuous ownership . | Reviewer Comment (2026-08-24): Received Operating Agreement. Exception Cleared. Seller Comment (2026-08-20): LLC |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226129748 | [Redacted] | [Redacted] | 37244532 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File Missing the most recent [redacted]month mortgage pay history for the subject property | Reviewer Comment (2026-08-28): Received VOR. Condition cleared. Seller Comment (2026-08-28): This property was just purchased [redacted] - only those months are available. Please have escalated. Reviewer Comment (2026-08-28): Need most recent [redacted]month mortgage pay history for the Subject property, Only have [redacted] months. Uploaded document [redacted]doesnt provided pay history. Seller Comment (2026-08-27): [redacted] loans paid off that line of credit they were all on same LOC - VOR |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226129749 | [Redacted] | [Redacted] | 37234997 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Shortfall of $[redacted]. No Replacement Cost Estimator in file. | Reviewer Comment (2026-09-04): The hazard insurance policy confirms [redacted]% replacement cost coverage. Exception Cleared. Buyer Comment (2026-09-02): The insurance company is confirming replacement cost on the dec page , can we get this escalated to clear Reviewer Comment (2026-08-27): Please provide replacement cost estimate. Buyer Comment (2026-08-27): See confirmation of [redacted]% replacement cost next to dwelling coverage |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226129751 | [Redacted] | [Redacted] | 37253948 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The [redacted]indicates a lender exception was approved for this loan, however the lender exception form, approval and compensating factors was not located. | Reviewer Comment (2026-08-28): Lender exception document received, exception cleared Buyer Comment (2026-08-26): Exception |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226129751 | [Redacted] | [Redacted] | 37392603 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to allow higher rents for qualifying from long term lease that was recently increased. Evidence of [redacted] and [redacted] rent was 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. |
Borrower has owned the subject property for at least [redacted]years. Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-03): Client elects to waive with compensating factors. |
09/03/2026 | Yes | 2 | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 226129752 | [Redacted] | [Redacted] | 37235761 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | - | The appraisal disclosed that the property was listed for sale within the last [redacted]months. Please provide a letter of explanation disclosing the reason the property was listed. | Reviewer Comment (2026-08-28): Not required in this case, property was not listed in the last [redacted] months exception cleared. Buyer Comment (2026-08-26): Not required as the property wasn't listed within the last [redacted] months per guides |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226129756 | [Redacted] | [Redacted] | 37238145 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-11): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-10): PCCD with cure, sent out today |
09/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | 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 | |||||||||
| 226129756 | [Redacted] | [Redacted] | 37238219 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI has been calculated as per Income & Expenses updated in the system. | Reviewer Comment (2026-09-04): Received updated [redacted]and [redacted]is verified and associated, exception cleared. Buyer Comment (2026-09-02): Updated [redacted]/[redacted], bid tape requested updated |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226129756 | [Redacted] | [Redacted] | 37238222 | 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 (2026-09-04): Received updated [redacted]and [redacted]is verified and associated, exception cleared. |
09/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226129756 | [Redacted] | [Redacted] | 37238224 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-09-04): Received updated [redacted]and [redacted]is verified and associated, exception cleared. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226130035 | [Redacted] | [Redacted] | 37243376 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted]month mortgage pay history for the subject property. | Reviewer Comment (2026-08-28): Received VOR. Condition cleared. Seller Comment (2026-08-28): THis property was purchased [redacted] per title work, please review again. Reviewer Comment (2026-08-28): Need most recent [redacted]month mortgage pay history for the Subject property, Only have [redacted] months. Uploaded document [redacted]doesnt provided pay history. Seller Comment (2026-08-27): [redacted] loans paid off that line of credit they were all on same LOC VOR |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226130038 | [Redacted] | [Redacted] | 37235345 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 due to title- Settlement/ closing/ escrow fee being disclosed as $[redacted]on LE and then as $[redacted]on final CD No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-08-28): [Redacted]Received Valid COC along with supporting comments on the exception. Buyer Comment (2026-08-27): The borrower elected to change the title company on [redacted]. This is the time we were made aware and at that time, the COC, which you have received, was completed. Based on this. Please clear condition. Reviewer Comment (2026-08-25): [redacted] received rebuttal, but it does not give sufficient information on why the title - settlement 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. Buyer Comment (2026-08-24): Please review the from [redacted] at which time a COC was completed with the updated title fees that we received from the borrower selected title company fees. Based on this, please clear condition. |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | 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 | |||||||||
| 226130038 | [Redacted] | [Redacted] | 37239112 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Loan amount: $[redacted]. Provided coverage amount: $[redacted]. Coverage shortfall: $[redacted]. | Reviewer Comment (2026-08-27): RCE provided, exception cleared. Buyer Comment (2026-08-27): Please see attached Buyer Comment (2026-08-27): Please see email from insurance agent which shows full replacement coverage Buyer Comment (2026-08-27): Please see attached. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226130064 | [Redacted] | [Redacted] | 37238875 | 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 missing verbal verification of employment within [redacted]business days of the Note. | Reviewer Comment (2026-09-01): Verification of employment details verified and updated. Exception cleared. Buyer Comment (2026-08-28): See [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226130064 | [Redacted] | [Redacted] | 37238877 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Waterfall due to the provided verification of employment not within business days of the note date. | Reviewer Comment (2026-09-01): Verification of employment details verified and updated. Exception cleared. Buyer Comment (2026-08-28): See [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226130064 | [Redacted] | [Redacted] | 37238878 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | Waterfall due to the provided verification of employment not within business days of the note date. | Reviewer Comment (2026-09-01): Verification of employment details verified and updated. Exception cleared. Buyer Comment (2026-08-28): See [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226130064 | [Redacted] | [Redacted] | 37238880 | 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 the provided verification of employment not within business days of the note date. | Reviewer Comment (2026-09-01): Verification of employment details verified and updated. Exception cleared. Buyer Comment (2026-08-28): See [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226130064 | [Redacted] | [Redacted] | 37239171 | 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 (2026-09-01): Verification of employment details verified and updated. Exception cleared. Buyer Comment (2026-08-28): See [redacted] |
09/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226130441 | [Redacted] | [Redacted] | 37243439 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted]month mortgage payment history for the subject property. | Reviewer Comment (2026-08-28): Received VOR. Condition cleared. Reviewer Comment (2026-08-28): Need most recent [Redacted]month mortgage pay history for the Subject property, Only have [Redacted]months. Uploaded document [Redacted]doesnt provided pay history. Seller Comment (2026-08-27): VOM |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226130441 | [Redacted] | [Redacted] | 37243526 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | File is missing the corporate resolution outlining the mortgage terms. | Reviewer Comment (2026-08-28): [redacted] provided Seller Comment (2026-08-27): VOM Seller Comment (2026-08-27): CORP RESOLUTION Reviewer Comment (2026-08-25): Corporate resolution provided makes reference to refinance a different property and different loan amount. Seller Comment (2026-08-25): attached Reviewer Comment (2026-08-20): Please provide corporate resolution document. Exception remains. Seller Comment (2026-08-19): Good Standing |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226130441 | [Redacted] | [Redacted] | 37244498 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | The Certificate of good standing was not located in the file | Reviewer Comment (2026-08-20): Received certificate of good standing. Exception cleared. Seller Comment (2026-08-19): Good Standing |
08/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226130567 | [Redacted] | [Redacted] | 37239056 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement not provided. | Reviewer Comment (2026-08-24): E-sign Consent Agreement received in file. Exception Cleared. Buyer Comment (2026-08-20): audit trail |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226130567 | [Redacted] | [Redacted] | 37239058 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-15): Sufficient Cure Provided At Closing |
08/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226130567 | [Redacted] | [Redacted] | 37239059 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-15): Sufficient Cure Provided At Closing |
08/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226134159 | [Redacted] | [Redacted] | 37239433 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-26): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-08-24): proof econsent accepted accepted upld |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226134897 | [Redacted] | [Redacted] | 37240384 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification was not provided. | Reviewer Comment (2026-08-31): Received LOX confirming the property is free and clear with no active homeowners insurance policy. Exception cleared. Buyer Comment (2026-08-27): LOX |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 226134897 | [Redacted] | [Redacted] | 37245979 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for borrower does not meet tradeline requirements. They have [redacted]tradelines. | 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 guideline required amount by the equivalent of [redacted]months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-17): Client elects to waive and downgrade with comp. factors: Reserve [redacted] plus months more than requirement. |
08/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226135050 | [Redacted] | [Redacted] | 37240314 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Home Inspection Fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. No cure was provided to the borrower. | Reviewer Comment (2026-09-11): [redacted] received Post CD and LOX. Buyer Comment (2026-09-10): Rebuttal Reviewer Comment (2026-09-03): [redacted] received Post CD and LOX. However, we are unable to determine from the file whether the lender or title company required the Pest inspection. If the lender required the Pest inspection fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Pest inspection Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-09-02): See PCCD |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | |||||||||
| 226135050 | [Redacted] | [Redacted] | 37240315 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Pest Inspection Fee amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. No cure was provided to the borrower. | Reviewer Comment (2026-09-11): [redacted] received Post CD and LOX. Buyer Comment (2026-09-10): See rebuttal Reviewer Comment (2026-09-03): [redacted] received Post CD and LOX. However, we are unable to determine from the file whether the lender or title company requried the Pest inspection. If the lender required the Pest inspection fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Pest inspection Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-09-02): See PCCD |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | |||||||||
| 226135050 | [Redacted] | [Redacted] | 37240316 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for [redacted]Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Guaranty Fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. No cure was provided to the borrower. | Reviewer Comment (2026-09-03): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-02): PCCD with cure , sent out today |
09/03/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226135050 | [Redacted] | [Redacted] | 37240327 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Provided child support is reflecting a monthly payment of $[redacted]while the borrower is paying additionally every month of $[redacted]. A bank statement verifying this payment along with an updated child support obligation copy is required. | Reviewer Comment (2026-08-31): Borrower signed LOE (Doc id:[redacted] ) stating borrower has chosen to voluntarily pay more than required child support amount and [redacted] months city bank statements reflecting child support in amount of $[redacted] total $[redacted] is paid monthly by borrower. Exception cleared. Buyer Comment (2026-08-27): Child Support |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226135094 | [Redacted] | [Redacted] | 37240103 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-09-01): Received E-Sign Consent Agreement. Exception cleared. Buyer Comment (2026-08-28): Disclosure Tracking |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226135094 | [Redacted] | [Redacted] | 37240264 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. | Application date was [redacted] and Loan Estimate was issued [redacted] | Reviewer Comment (2026-09-15): [redacted] Received LOE showing Lender office was closed on [Redacted]federal holiday. Buyer Comment (2026-09-14): [redacted] Closed Reviewer Comment (2026-08-31): [redacted] received disclosure summary, however initial LE issued on [redacted] and application date is[redacted]which is not within [redacted]days. Please provide confirmation if [redacted] was holiday and lender was not open for general business to re-evaluate the exception. Buyer Comment (2026-08-28): Disclosure Tracking |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226135094 | [Redacted] | [Redacted] | 37240272 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided | Bankruptcy documents for co-borrower are missing. | Reviewer Comment (2026-09-01): Bankruptcy has been discharged on [redacted]as per credit report. Exception cleared. Buyer Comment (2026-08-28): Guideline's state "Bankruptcy (any chapter, either dismissed or discharged and includes Applicants current in bankruptcy proceedings)". It does not ask for any other information. The Credit report pg [redacted] shows it was discharged. |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226135114 | [Redacted] | [Redacted] | 37242233 | 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 [redacted]([redacted]) 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. | Reviewer Comment (2026-09-03): [redacted] received e-consent dated [redacted] Buyer Comment (2026-09-01): please see attached econsent |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226135114 | [Redacted] | [Redacted] | 37242235 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Fee increased on Closing Disclosure dated [redacted], with no valid change evident. | Reviewer Comment (2026-09-03): [redacted] received e-consent and rate lock dated[redacted] Buyer Comment (2026-09-01): please see attached [redacted] prior locks. discount points increased from $[redacted] on[redacted] LE doc [redacted]to $[redacted] on [redacted] LE doc [redacted]due to appraised value, loan amount, interest rate, program and pricing changes |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | |||||||||
| 226135114 | [Redacted] | [Redacted] | 37242236 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Fee increased on [redacted] closing Disclosure, with no valid change evident. | Reviewer Comment (2026-09-03): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-09-01): please see attached final CD cure log. appraisal fee cured on final CD |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | |||||||||
| 226135114 | [Redacted] | [Redacted] | 37242237 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee increased on Closing Disclosure dated [redacted] with no valid change evident. | Reviewer Comment (2026-09-03): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-09-01): please see attached final CD cure log. credit report fee cured on final CD |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | |||||||||
| 226135114 | [Redacted] | [Redacted] | 37450588 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 at closing | Reviewer Comment (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226135114 | [Redacted] | [Redacted] | 37450589 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 at closing | Reviewer Comment (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226135117 | [Redacted] | [Redacted] | 37238999 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Condo/PUD Warranty document was not found in the loan file. | Reviewer Comment (2026-08-25): Received condo project approval. Exception cleared. Buyer Comment (2026-08-21): aprvl cert upld |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226135155 | [Redacted] | [Redacted] | 37257516 | 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 (2026-08-25): Received lender correspondence document from Title company confirming valid policy amount. Exception Cleared. Buyer Comment (2026-08-21): title coverage |
08/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226135238 | [Redacted] | [Redacted] | 37244276 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for [redacted]Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Guaranty Fee increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-09-01): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-08-31): pccd docs upld |
09/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226135238 | [Redacted] | [Redacted] | 37248217 | 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 [redacted]([redacted]) 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. | The earliest dated E-Consent is [redacted], which was after the date of the initial Loan Estimate that was electronically issued [redacted]. | Reviewer Comment (2026-08-26): [redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted] Buyer Comment (2026-08-25): proof date econsent was accepted upld |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226135242 | [Redacted] | [Redacted] | 37247980 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 disclosed as $[redacted]on the initial Loan Estimate but disclosed as $[redacted]on the Final Closing Disclosure. A valid change of circumstance was not provided for the fee increase. | Reviewer Comment (2026-09-03): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-09-02): $[redacted] credit report cure on final CD. see attached cure log |
09/03/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226135242 | [Redacted] | [Redacted] | 37247981 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for [redacted]Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]Guaranty Fee was not disclosed on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. The file does not contain a valid change of circumstance for this fee; cure was provided at closing. | Reviewer Comment (2026-09-09): [redacted] received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-09-04): please see attached lox, pccd and check |
09/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226135242 | [Redacted] | [Redacted] | 37248305 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary ([redacted]) / MCAW not provided | [redacted]loan underwriting transmittal summary not provided in the file. | Reviewer Comment (2026-09-04): Updated [redacted] received and verified. Exception cleared Buyer Comment (2026-09-02): please see attached 1008 |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226135244 | [Redacted] | [Redacted] | 37248825 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Please provide evidence collection for $[redacted]is paid and released. Additional requirements may apply. | Reviewer Comment (2026-09-16): Per DU this account need not to be paid off prior to or at closing. Buyer Comment (2026-09-14): Freddie Mac does not automatically require all collection accounts to be paid off in full to qualify and the findings are not requiring it . Its not affecting title. Can we please get this cleared or clarified Reviewer Comment (2026-09-08): Require payment receipt/proof which confirm collection for the amount $[redacted]has been paid and release to clear the exception. Exception Remains. Buyer Comment (2026-09-03): Lock shows DU not LP. Please clear as per original rebuttal Reviewer Comment (2026-08-31): Loan was approved with AUS LP and no guidance provided that Collection account with outstanding balance of [redacted] need not to be paid prior to closing. Exception Remains Buyer Comment (2026-08-27): Per AUS, this does not need to be paid off prior to closing , see DU findings. Qualified with payment |
09/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226135244 | [Redacted] | [Redacted] | 37393105 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-28): Sufficient Cure Provided At Closing |
08/28/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | A | B | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226135253 | [Redacted] | [Redacted] | 37247963 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Fee increased on Closing Disclosure dated [redacted], with no valid change evident. | Reviewer Comment (2026-08-25): [redacted] received exception letter and as per rate lock and COC dated [redacted] Buyer Comment (2026-08-21): See rate lock [redacted]which shows LLPA added and exception |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | |||||||||
| 226135255 | [Redacted] | [Redacted] | 37248491 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 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. | Reviewer Comment (2026-08-21): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-08-20): this is cured on the final cd |
08/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | 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 | |||||||||
| 226135255 | [Redacted] | [Redacted] | 37313414 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226135258 | [Redacted] | [Redacted] | 37239035 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified reserves months are insufficient to meet the reserve requirement of [redacted]months. | Reviewer Comment (2026-09-04): Received updated Final 1003. Exception Cleared. Buyer Comment (2026-09-02): updated urla Reviewer Comment (2026-09-02): Received account statement with account number ending with #[Redacted]. Require revised final 1003 loan application with same asset listed on it. Exception remains. Buyer Comment (2026-08-31): additional assets for the reserves |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226135258 | [Redacted] | [Redacted] | 37493544 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: LTV | Reviewer Comment (2026-09-10): Cleared. Updated LTV valuation Buyer Comment (2026-09-08): Contract, 1008, Settlement Statement Buyer Comment (2026-09-08): [redacted] respectfully disagrees with AMC LTV designation. Subject transaction is a technical/delayed financing refinance. [redacted] is using the original purchase price of $[redacted] as it is the lessor of purchase & appraised value. Attached please find original settlement statement, original contract, and [redacted] . Please rview and correct [redacted] [redacted] |
09/10/2026 | No | 1 | A | A | A | A | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 226135268 | [Redacted] | [Redacted] | 37261491 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226135268 | [Redacted] | [Redacted] | 37261492 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226135268 | [Redacted] | [Redacted] | 37261505 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-27): E consent provided, exception cleared. Buyer Comment (2026-08-27): eConsent |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226135279 | [Redacted] | [Redacted] | 37254620 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for the property #[redacted]. | Reviewer Comment (2026-08-24): Provided LOX states that [redacted] property does not have insurance and mortgage has been paid off. Exception cleared. Seller Comment (2026-08-20): Per the provided REO HOI LOX, the property located at [Redacted][Redacted][Redacted], [Redacted][Redacted]is paid off. |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226135621 | [Redacted] | [Redacted] | 37260389 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted]Rent Comparison Schedule not provided | Reviewer Comment (2026-08-25): Borrower is not receiving rental income from subject property rent comparable is not required. Exception Cleared. Buyer Comment (2026-08-21): Rental income on subject not being used to qualify. Not required. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226135625 | [Redacted] | [Redacted] | 37250620 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 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 in file. | Reviewer Comment (2026-09-02): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-01): PCCD |
09/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | |||||||||
| 226136815 | [Redacted] | [Redacted] | 37239043 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Reviewer Comment (2026-08-25): Cleared. Buyer Comment (2026-08-25): please see unanimous consent on [redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226136815 | [Redacted] | [Redacted] | 37239046 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Lease agreement was not found in file. | Reviewer Comment (2026-08-28): Corrected bid tape provided. Reviewer Comment (2026-08-28): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Reviewer Comment (2026-08-25): Bid tape DSCR data not updated calculated DSCR is [redacted] Lease rent $[Redacted], Market rent=$ [redacted] PITIA: P & I $ [redacted], Taxes $ [redacted] Hazard $ [redacted], HOA $0 Flood $ [redacted] Used lessor of $ [redacted]/$ [redacted]= [redacted]. Exception remains. Buyer Comment (2026-08-24): [redacted] has updated our Bid tape to reflect DSCR [redacted] |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226136821 | [Redacted] | [Redacted] | 37254584 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Provided policy is not covering the note date; however, an old policy is required in the file. | Reviewer Comment (2026-08-27): Disbursement date is post effective date, exception cleared. Buyer Comment (2026-08-27): please see attached investor memo, altas and warranty deed |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226136821 | [Redacted] | [Redacted] | 37254886 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]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 (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226138093 | [Redacted] | [Redacted] | 37280697 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted]month mortgage payment history for the borrower's primary residence. Per lender guides, a private mortgage must be verified via either cancelled checks (back and front) or equivalent. | Reviewer Comment (2026-09-22): Received clarification/approval/documentation from lender. Condition cleared. Payments are on the bank statements. Buyer Comment (2026-09-18): additional rebuttal upld Reviewer Comment (2026-09-18): Required most recent [redacted] -month mortgage payment history or property history report for " [redacted]r". Exception remains. Buyer Comment (2026-09-16): the private mortgage note is on [redacted] verifying payments are $ [redacted]. Reviewer Comment (2026-09-15): Documentation to verifiy that the payments $ [redacted]withdrawals from borrower account are paid to mortgage payments to the lenders is not located in the file. Buyer Comment (2026-09-11): rebuttal upld Reviewer Comment (2026-09-01): Verification of mortgage is provided for subject property. Provide housing history for borrower's primary residence. Exception remains Buyer Comment (2026-08-28): The bwrs took out the construction loan on [redacted], so there wouldn't be any payments prior to [redacted], see vom on [redacted], and property docs: ss [redacted], hoi [redacted], cert of occupancy [redacted], deed [redacted]an flood [redacted] Reviewer Comment (2026-08-26): [redacted] FCU Mortgage loan is closed on [redacted] and as per [redacted]statement mortgage payment reflect from [redacted] provide mortgage payment document between [redacted]. Exception remains Buyer Comment (2026-08-25): Private Mtg payment started [redacted] -please see Wings CU statements # [redacted]provided in the loan file, mortgage history prior to statements is listed on the credit report FCU [redacted] when they sold the house. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226138100 | [Redacted] | [Redacted] | 37250712 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-09-04): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-03): PCCD with cure sent out today |
09/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | |||||||||
| 226139038 | [Redacted] | [Redacted] | 37254821 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Total Recording fees increased to $[redacted]on Closing Disclosure [redacted]. File does not contain a valid Change of Circumstance for this fee, nor evidence of a cure. | Reviewer Comment (2026-08-24): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-21): this was credited on the final cd |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Second Home | 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 | |||||||||
| 226139038 | [Redacted] | [Redacted] | 37254822 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review fee in the amount of $[redacted]was added on Closing Disclosure [redacted]. File does not contain a valid Change of Circumstance for this fee, nor evidence of a cure. | Reviewer Comment (2026-08-24): [redacted] received a valid COC. Buyer Comment (2026-08-21): coc & invoice |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Second Home | 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 | |||||||||
| 226139038 | [Redacted] | [Redacted] | 37326222 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-24): Sufficient Cure Provided At Closing |
08/24/2026 | No | 1 | A | A | A | A | A | AL | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226139047 | [Redacted] | [Redacted] | 37252220 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Available Closing statement is incomplete with page no. [redacted] of [redacted] missing in the file. | Reviewer Comment (2026-09-04): Complete Closing Statement, cleared Buyer Comment (2026-09-04): Please see attached HUD/CD with all pages |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226139047 | [Redacted] | [Redacted] | 37252664 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Coverage is less than Original Loan Amount. The title commitment 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 title preliminary/commitment report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-09-04): Title commitment with sufficient coverage, cleared Buyer Comment (2026-09-04): Please see attached updated title showing policy amount of $ [redacted] |
09/04/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226139745 | [Redacted] | [Redacted] | 37255601 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The file is missing a dated third-party verification for employer, [redacted]. Please provide documentation reflecting the verification date. | Reviewer Comment (2026-08-26): Received [Redacted]party document with date. Exception cleared. Buyer Comment (2026-08-24): Please see attached. The documents were obtained and uploaded on [redacted]. Please clear condition. Buyer Comment (2026-08-24): Please see attached. The documents were obtained and uploaded on [redacted]. Please clear condition. Buyer Comment (2026-08-24): Please see attached. The documents were obtained and uploaded on [redacted] . Please clear condition. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226139745 | [Redacted] | [Redacted] | 37255603 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The file is missing a dated third-party verification for employer, [redacted]. Please provide documentation reflecting the verification date. | Reviewer Comment (2026-08-26): Received [Redacted]party document with date. Exception cleared. Buyer Comment (2026-08-24): [Redacted] |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226139761 | [Redacted] | [Redacted] | 37267258 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | A valid foreign passport and visa are required and missing. | Reviewer Comment (2026-09-09): Cleared. Received ITIN documenation. Buyer Comment (2026-09-04): rebuttal upld Reviewer Comment (2026-09-02): Per guides, drivers license and ITIN located in the file. ITIN provided for the borrower is missing page [Redacted]of[Redacted]. Exception remains Buyer Comment (2026-09-01): Please refer to guides, Section [redacted] : ITIN/DACA Applicants, itin doc and valid drivers license were provided Reviewer Comment (2026-08-27): Exception approval provided does not mention ID, Borrower is a Non-Permanent Resident Alien which requires B1/B2 visa and a valid passport. Exception remains. Buyer Comment (2026-08-27): exception aprvl and bwr id upld, on itin bwr, only the itin and valid deivers license is required Reviewer Comment (2026-08-26): Borrower is a Non-Permanent Resident Alien which requires B1/B2 visa and a valid passport. Exception remains. Buyer Comment (2026-08-25): bwr is itin, see [redacted] |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226139764 | [Redacted] | [Redacted] | 37255423 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date [redacted] is after the closing date [redacted]. | Reviewer Comment (2026-08-25): Received HOI policy. Exception Cleared. Buyer Comment (2026-08-21): HOI |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226139764 | [Redacted] | [Redacted] | 37255429 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Credit Report Fee disclosed as $[redacted]on Loan Estimate dated [redacted] but disclosed as $[redacted] on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-27): [redacted] received Post CD and LOX. Buyer Comment (2026-08-26): corrected PCCD Reviewer Comment (2026-08-25): [redacted] received the Letter of Explanation and updated Closing Disclosure. However, the survey fee was not moved from Section C to Section H and is still reflected under Section C. Please provide a corrected Closing Disclosure to complete the remediation. Buyer Comment (2026-08-24): PCCD, LOX and email from title |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Second Home | 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 | |||||||||
| 226139765 | [Redacted] | [Redacted] | 37267472 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Missing certificate of good standing obtained within [redacted]days prior to closing. | Reviewer Comment (2026-09-03): Certificate of Existence, cleared Buyer Comment (2026-09-02): Please see attached. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226139765 | [Redacted] | [Redacted] | 37267475 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Reviewer Comment (2026-09-03): Guarantor Agreement, cleared Buyer Comment (2026-09-02): Please see attached. |
09/03/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||
| 226139806 | [Redacted] | [Redacted] | 37267530 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Reviewer Comment (2026-09-04): Revalidated Information. Exception Cleared. Buyer Comment (2026-09-02): The borrower signed the note as both an individual and a member of the LLC. |
09/04/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | GA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||
| 226139806 | [Redacted] | [Redacted] | 37288172 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Per lender guides, the most recent [redacted]month mortgage pay history is required for the subject and the borrower's primary residence. The application does not specify which mortgage is for which property. Please provide the history for the borrower's primary residence. | Reviewer Comment (2026-09-04): Revalidated Information. Exception Cleared. Buyer Comment (2026-09-02): Please specify where in the guides you are looking if you see diferently Buyer Comment (2026-09-02): a [redacted] month pay history isn't required for either property, only for confirmation that there are no late payments within [redacted] months. The credit report confirms there are no late mortgage payments, and the primary residence isn't in the borrower's name. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226139932 | [Redacted] | [Redacted] | 37259422 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing for [redacted]nd lien [redacted]property. | Reviewer Comment (2026-08-25): Received second lien closing disclosure for the mortgage details. Exception Cleared. Buyer Comment (2026-08-21): CD |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226142645 | [Redacted] | [Redacted] | 37253853 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-09-17): Final Title Policy with sufficient coverage, cleared |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 226142645 | [Redacted] | [Redacted] | 37253854 | 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. | Reviewer Comment (2026-09-17): Final Title Policy with sufficient coverage, cleared Buyer Comment (2026-09-16): Title |
09/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 226142727 | [Redacted] | [Redacted] | 37287618 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Reviewer Comment (2026-08-25): Received project approval. Exception cleared. Buyer Comment (2026-08-21): approval |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226142761 | [Redacted] | [Redacted] | 37261490 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. No cure was provided. | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WI | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226142761 | [Redacted] | [Redacted] | 37261515 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | VOE is not provided for Co-Borrower within [redacted]days from note date. | Reviewer Comment (2026-09-09): Received VVOE within [redacted] days from Note date. Exception Cleared. Buyer Comment (2026-09-04): Please refer to [redacted] where the PVVOE for C/Borrower was found in Acuity |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226142761 | [Redacted] | [Redacted] | 37261525 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VOE is not provided for Co-Borrower within [redacted]days from note date. | Reviewer Comment (2026-09-09): Received VVOE within [redacted] days from Note date. Exception Cleared. Buyer Comment (2026-09-04): Please refer to [redacted] where the PVVOE for C/Borrower was found in Acuity |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226142761 | [Redacted] | [Redacted] | 37261529 | 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. | VOE is not provided for Co-Borrower within [redacted]days from note date. | Reviewer Comment (2026-09-09): Received VVOE within [redacted] days from Note date. Exception Cleared. Buyer Comment (2026-09-04): Please refer to [redacted] where the PVVOE for C/Borrower was found in Acuity |
09/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WI | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226142761 | [Redacted] | [Redacted] | 37261530 | 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. | VOE is not provided for Co-Borrower within [redacted]days from note date. | Reviewer Comment (2026-09-09): Received VVOE within [redacted] days from Note date. Exception Cleared. Buyer Comment (2026-09-04): Please refer to [redacted] where the PVVOE for C/Borrower was found in Acuity |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226142771 | [Redacted] | [Redacted] | 37264875 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement was not found in the file for [redacted]. | Reviewer Comment (2026-08-25): Received statement. Cleared. Buyer Comment (2026-08-24): Please see attached. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226142771 | [Redacted] | [Redacted] | 37265069 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Earnest money of $[redacted]is not sourced, and a shortfall is showing. | Reviewer Comment (2026-08-25): Received statement. Cleared. Buyer Comment (2026-08-24): Please recalculate the assets. The client has $ [redacted] from the HELOC and $ [redacted] in the [redacted] account. You can remove the EMD and we have enough for reserves. Please clear condition. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226142776 | [Redacted] | [Redacted] | 37251737 | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement ([redacted]) not provided | Reviewer Comment (2026-09-01): Received [redacted] rent analysis. Exception Cleared Buyer Comment (2026-08-28): [redacted] |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226142776 | [Redacted] | [Redacted] | 37251738 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted]Rent Comparison Schedule not provided | Reviewer Comment (2026-09-01): Received [redacted] rent analysis. Exception Cleared Buyer Comment (2026-08-28): See [redacted] DNA |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226143249 | [Redacted] | [Redacted] | 37261511 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 valid change of circumstance provided for increase to Transfer Tax fee. | Reviewer Comment (2026-09-17): [redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-16): PCCD |
09/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 226143251 | [Redacted] | [Redacted] | 37281843 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Valid change of circumstance was not found in the file. | Reviewer Comment (2026-09-04): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-03): Sent out today Buyer Comment (2026-09-03): PCCD with cure |
09/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226143252 | [Redacted] | [Redacted] | 37266663 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement not provided. | Reviewer Comment (2026-09-16): PITIA verified from [Redacted]payment letter, exception cleared. Buyer Comment (2026-09-15): See Upload Reviewer Comment (2026-09-02): The statement in [redacted] is for [redacted] The mortgage statement for [redacted] remains missing. Buyer Comment (2026-09-01): See [redacted] |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226143252 | [Redacted] | [Redacted] | 37285313 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing the mortgage statement for the second home at [redacted]. | Reviewer Comment (2026-09-16): PITIA verified from [Redacted]payment letter, exception cleared. Buyer Comment (2026-09-15): See uploads Reviewer Comment (2026-09-02): The statement in [redacted]is for [redacted]. The mortgage statement for [redacted] Drive remains missing. Buyer Comment (2026-09-01): See [redacted] |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226143252 | [Redacted] | [Redacted] | 37286077 | 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. | File is missing the mortgage statement for the second home at [redacted]. | Reviewer Comment (2026-09-16): PITIA verified from [Redacted]payment letter, exception cleared. Buyer Comment (2026-09-15): See uploads Reviewer Comment (2026-09-02): The statement in [redacted]is for [redacted]. The mortgage statement for [redacted] Drive remains missing. Buyer Comment (2026-09-01): See [redacted] |
09/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | 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 | |||||||||
| 226143252 | [Redacted] | [Redacted] | 37286078 | 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. | File is missing the mortgage statement for the second home at [redacted]. | Reviewer Comment (2026-09-16): PITIA verified from [Redacted]payment letter, exception cleared. Buyer Comment (2026-09-15): See uploads Reviewer Comment (2026-09-02): The statement in [redacted]is for [redacted]. The mortgage statement for [redacted] Drive remains missing. Buyer Comment (2026-09-01): See [redacted] |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226143252 | [Redacted] | [Redacted] | 37286079 | 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.) | File is missing the mortgage statement for the second home at [redacted]. | Reviewer Comment (2026-09-16): PITIA verified from [Redacted]payment letter, exception cleared. Buyer Comment (2026-09-15): See uploads Reviewer Comment (2026-09-02): The statement in [redacted]is for [redacted]. The mortgage statement for [redacted] Drive remains missing. Buyer Comment (2026-09-01): See [redacted] |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226143253 | [Redacted] | [Redacted] | 37267059 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | No valid Change of circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226143255 | [Redacted] | [Redacted] | 37268313 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | B1 Verification of employment is not within [redacted]business days of the Note. | 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 guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted]points. The representative FICO score is above [redacted]. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-03): Client elects to downgrade and waive with compensating factors. Buyer Comment (2026-09-01): exception Reviewer Comment (2026-08-28): Please provide lender exception approval document with compensating factors for review to downgrade/waive the exception. Buyer Comment (2026-08-26): please let this serve as an exception request for the use of the post close vvoe with long time employment history, FICO Score, homeownership history as compensating factors |
09/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 226143255 | [Redacted] | [Redacted] | 37268314 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | B2 Verification of employment is not within [redacted]business days of the Note. | 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 guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted]points. The representative FICO score is above [redacted]. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-03): Client elects to downgrade and waive with compensating factors. Buyer Comment (2026-09-01): see uploaded Reviewer Comment (2026-08-28): Please provide lender exception approval document with compensating factors for review to downgrade/waive the exception. Buyer Comment (2026-08-26): please let this serve as an exception request for the use of the post close vvoe with long time employment history, FICO Score, homeownership history as compensating factors |
09/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | |||||||
| 226143255 | [Redacted] | [Redacted] | 37287492 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File is missing the HOI verification document for the property at [redacted]. | Reviewer Comment (2026-09-01): Received HOI for property [redacted] with insurance amount invoice which matches with corrected 1003. Exception cleared. Buyer Comment (2026-08-28): corrected 1003 and HOI invoice Reviewer Comment (2026-08-27): As per the final 1003, the monthly taxes, insurance, and HOA payments total $ [redacted]. Out of this amount, $ [redacted] is property taxes, and there is no HOA payment as stated in the LOE. However, there is still a difference of $ [redacted] . Additionally, the provided hazard insurance policy does not reflect the premium amount. Please provide the hazard insurance policy showing the premium amount for this property. Exception remains. Buyer Comment (2026-08-25): HOI |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 226143255 | [Redacted] | [Redacted] | 37287508 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VOE documents in the file are not dated within [redacted]business days to Note date, and the file is missing the HOI verification documents for the property at [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 guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[redacted]. The qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. The qualifying DTI on the loan is less than or equal to [redacted]%. The representative FICO score exceeds the guideline minimum by at least [redacted]points. The representative FICO score is above [redacted]. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-03): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-09-03): Received post-close lender exception approval to allow use of post close vvoe for B1 and B2. Buyer Comment (2026-09-01): see uploaded Reviewer Comment (2026-08-28): Please provide lender exception approval document with compensating factors for review to downgrade/waive the exception. Buyer Comment (2026-08-26): see uploaded - please let this serve as an exception request for the use of the post close vvoe with long time employment history, FICO Score, homeownership history as compensating factors |
09/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226143261 | [Redacted] | [Redacted] | 37266709 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | No valid change of circumstance provided for increase to Credit Report Fee. | Reviewer Comment (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226143265 | [Redacted] | [Redacted] | 37301507 | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | An OFAC was not found in file for the subject business entity. | Reviewer Comment (2026-08-31): OFAC for the subject business entity, cleared Buyer Comment (2026-08-31): OFAC |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226143269 | [Redacted] | [Redacted] | 37290341 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing evidence of the security deposit and [redacted]st months rent for the subject property to enable the use of the lease rent which is higher than the market rent. | Reviewer Comment (2026-08-27): Received required documentation. Condition cleared. Seller Comment (2026-08-26): VOR |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226143272 | [Redacted] | [Redacted] | 37298226 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The corporate resolution (as required by lender guides) was not included in the file. Must be specific to the terms of the subject loan/property. | Reviewer Comment (2026-08-25): Cleared. Buyer Comment (2026-08-24): See [redacted] |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226143274 | [Redacted] | [Redacted] | 37265817 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution not provided in file. | Reviewer Comment (2026-09-18): Received Corporate Resolution as required. Exception cleared. Seller Comment (2026-09-16): SIGNED Reviewer Comment (2026-09-08): Received operating agreement for the borrowing business entity. Require Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address is required and must be signed by all members. Exception remains. Seller Comment (2026-09-03): signed operating agreement Reviewer Comment (2026-08-27): Reviewed all documents however the corporate resolution was not among the docs. Seller Comment (2026-08-26): SEE ATTACHED Reviewer Comment (2026-08-25): Reviewed trailing docs, however per lender guidelines, the following is required: Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address is required and must be signed by all members, however this is missing from the file. Seller Comment (2026-08-24): agreemnt |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226143274 | [Redacted] | [Redacted] | 37265818 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating agreement not provided in file. | Reviewer Comment (2026-09-08): Received operating agreement of the borrowing business entity. Exception cleared. Seller Comment (2026-09-03): signed operating agreement Reviewer Comment (2026-08-27): Received documentation stating an operating agreement is not required in [redacted], however a signed attestation from the borrower that there is no Operating agreement would be required. Seller Comment (2026-08-26): SEE ATTACHED Reviewer Comment (2026-08-25): Reviewed all trailing docs, however the operating agreement for the borrowing entity was not among them. Seller Comment (2026-08-24): agreement |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226143274 | [Redacted] | [Redacted] | 37265894 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | DSCR variance. Lenders DSCR; [redacted]. Review DSCR: [redacted]. Variance is due to lenders PITI calculation of $[redacted]per month vs actual amount of $[redacted]per month. | Reviewer Comment (2026-08-21): Updated bid tape provided. Reviewer Comment (2026-08-21): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence DSCR: v; Bid Tape DSCR: [redacted]. |
08/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226143428 | [Redacted] | [Redacted] | 37269452 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-26): Received CDA as a secondary valuation. Exception cleared. Seller Comment (2026-08-24): CDA |
08/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 226143961 | [Redacted] | [Redacted] | 37268260 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Appraisal Fee increased to $[redacted]without a valid change of circumstance; however, cure was provided to the borrower. | 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 | OH | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226144275 | [Redacted] | [Redacted] | 37268351 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | File does not contain a valid Change of Circumstance for this fee, nor evidence of cure is provided in file. | 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 | MI | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226144275 | [Redacted] | [Redacted] | 37268390 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-09-08): E-sign Consent Agreement received in file. Exception Cleared. Buyer Comment (2026-09-04): please see attached econsent |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226144727 | [Redacted] | [Redacted] | 37297104 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted]month mortgage payment history for the subject property. | Reviewer Comment (2026-09-25): Per lender rebuttal, the loan was in the borrower's deceased husbands name and the lender is unable to obtain the history. Condition cleared. Buyer Comment (2026-09-23): additional rebuttal upld Reviewer Comment (2026-09-21): The mortgage statement referenced indicates the borrower is on the statement and would be responsible for the mortgage. Condition remains. Buyer Comment (2026-09-21): rebuttal upld Reviewer Comment (2026-09-18): Required most recent [redacted] -month mortgage payment history or property history report. Exception remains. Buyer Comment (2026-09-16): deed upld Reviewer Comment (2026-09-11): Provide [redacted] Month mortgage payment history or relevant documents which show property is being sold or transferred to other then borrower. Exception Remains. Buyer Comment (2026-09-09): please point out what section of the guides you are seeing the pay hist is required if the mortgage was not in the borrowers name. Reviewer Comment (2026-09-09): Per lender guideline requirements, a mortgage payment history is required. Buyer Comment (2026-09-04): please cancel, there is no mortgage payment history, because the mortgage was not in the borrowers name. It was in the name of her deceased husbands' estate. Reviewer Comment (2026-09-01): This is a refinance transaction. Please provide the most recent [redacted] month mortgage payment history for the subject property. Buyer Comment (2026-08-28): the mortgage was in the name of "[Redacted]" not our borrower |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226144727 | [Redacted] | [Redacted] | 37297152 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender Exception minimum DSCR for a refi is [redacted] requesting an exception for DSCR of [redacted]. Vacant properties require [redacted]% reduction with LTV FICO [redacted]max LTV [redacted]% LTV Exception | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted] months. | Reserves: [redacted] Guideline Requirement: [redacted] |
Aggregator,SitusAMC | Reviewer Comment (2026-08-28): Lender Exception with Compensating Factors provided. Buyer Comment (2026-08-26): exception aprvl upld |
08/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NC | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226144729 | [Redacted] | [Redacted] | 37298448 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per lender guidelines, the most recent [redacted]month mortgage pay history is required for the subject and primary residence. The application does not reflect the borrower's primary. Does not indicate if there is a mortgage or not. Please provide clarification. Otherwise, the most recent [redacted]month pay history will be required. | Reviewer Comment (2026-08-28): Received evidence primary is free & clear. Cleared. Buyer Comment (2026-08-27): property profile upld. owned free & clear |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226144729 | [Redacted] | [Redacted] | 37298498 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Title is not vested in the borrowing entities name. | Reviewer Comment (2026-08-28): Received QC deed. Cleared. Buyer Comment (2026-08-27): please see qcd on page [redacted] |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226145019 | [Redacted] | [Redacted] | 37296182 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was added with no valid Change of Circumstance or Lender Cure applied at closing. | Reviewer Comment (2026-09-02): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-01): PCCD |
09/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Second Home | 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 | |||||||||
| 226145026 | [Redacted] | [Redacted] | 37268032 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-08-25): Received Hazard Insurance Policy and Replacement Cost Estimator. Exception cleared. Buyer Comment (2026-08-21): Please see attached. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226145031 | [Redacted] | [Redacted] | 37267380 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-18): Sufficient Cure Provided At Closing |
08/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226145031 | [Redacted] | [Redacted] | 37295192 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception Approved for Non-Warrantable Condo due to critical repairs and ongoing litigation. Max LTV/CLT [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. 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. |
Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-27): Client elects to downgrade and waive with compensating factors. Buyer Comment (2026-08-26): exception aprvl upld |
08/27/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226145054 | [Redacted] | [Redacted] | 37296305 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for less than [redacted] years self-employment using bank statement program per [redacted]in file. Approved exception missing from the loan file. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly mortgage payment has decreased 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. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[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. |
Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Prior Housing Expense: $[redacted] Proposed Housing Expense: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-09): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-04): please see attached lender exception |
09/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226145054 | [Redacted] | [Redacted] | 37296329 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for rental payment documentation as some rents were in exchange for repairs per the [redacted].Approved exception missing from the loan file. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly mortgage payment has decreased 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. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[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. |
Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Prior Housing Expense: $[redacted] Proposed Housing Expense: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-09): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-04): please see attached lender exception |
09/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226145054 | [Redacted] | [Redacted] | 37296340 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for some bank statements used from personal account as Borrower was waiting for business license to be completed per [redacted]. Approved exception missing from the loan file. | Borrower has verified disposable income of at least $[redacted]. Borrower's monthly mortgage payment has decreased 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. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[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. |
Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Prior Housing Expense: $[redacted] Proposed Housing Expense: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-09): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-04): please see attached lender exception |
09/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226145317 | [Redacted] | [Redacted] | 37298875 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address is required, however is missing from the file. | Reviewer Comment (2026-08-24): Unanimous Written Consent, cleared Buyer Comment (2026-08-21): corp res |
08/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226145325 | [Redacted] | [Redacted] | 37290049 | 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 ___. | Maximum allowable LTV for foreign national borrowers is [redacted]% | Reviewer Comment (2026-08-26): Clear due to rounding Buyer Comment (2026-08-24): [Redacted][Redacted]to [Redacted]decimals and this would be considered [Redacted]% flat.. Please clear condition. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226145653 | [Redacted] | [Redacted] | 37267889 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-02): Received E-Sign Consent Agreement is verified and associated, exception cleared. Buyer Comment (2026-08-31): eConsent |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226145653 | [Redacted] | [Redacted] | 37270693 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 increased to $[redacted]without a valid change of circumstance. | Reviewer Comment (2026-09-04): [redacted] received LOX for rebuttal response with additional information for a valid Changed circumstance. Buyer Comment (2026-09-03): Rebuttal and lock forms Reviewer Comment (2026-09-01): [redacted] received COC dated [redacted] which is invalid. Kindly provide additional information as to why the loan discount point increased on CD dated [redacted] or cure due to borrower. Cure documents consist of Post Cd,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-08-31): RCD with COC |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | 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 | |||||||||
| 226145653 | [Redacted] | [Redacted] | 37270694 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | A Survey Fee was added in the amount of $[redacted]without a valid change of circumstance. | Reviewer Comment (2026-09-15): [redacted] received PCCD and LOE Buyer Comment (2026-09-11): PCCD with letter |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | 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 | |||||||||
| 226147360 | [Redacted] | [Redacted] | 37268199 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 disclosed as $[redacted]on Loan Estimate dated [redacted] but disclosed as $[redacted]on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-08): [Redacted]received a valid COC. Buyer Comment (2026-09-04): discount points increased from $ [redacted]on [redacted] ICD to $ [redacted] on [redacted] ICD. Please see attached [redacted] & [redacted] prior locks to show changes to loan amount, interest rate, pricing and discounts points to validate increase Buyer Comment (2026-09-04): discount points increased from $ [redacted]on [redacted] ICD to $ [redacted]on [redacted] ICD. Please see attached [redacted] prior locks to show changes to loan amount, interest rate, pricing and discounts points to validate increase |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226147360 | [Redacted] | [Redacted] | 37296377 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception noted on [redacted]to allow VOM on private mortgage. No Lender Exception document was found in the file. | Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [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 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. |
Borrower has been employed in the same industry for more than [redacted] years. Borrower has owned the subject property for at least [redacted] years. Documentation Type: [redacted]mo Bank Statement Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% DTI: [redacted]% Guideline Maximum DTI: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-09-09): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-04): please see attached lender exception for VOM |
09/09/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226147362 | [Redacted] | [Redacted] | 37267302 | 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. | Reviewer Comment (2026-09-03): Title commitment with sufficient coverage, cleared Buyer Comment (2026-09-02): Please see attached |
09/03/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | PA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| 226147441 | [Redacted] | [Redacted] | 37268255 | 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]([redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower at least [redacted]business days prior to closing. | Reviewer Comment (2026-08-26): [redacted] received [Redacted] CD received 3 business days prior to consummation. Buyer Comment (2026-08-25): esigned [redacted]cd upld |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226147840 | [Redacted] | [Redacted] | 37301197 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per lender guidelines, the most recent [redacted]month mortgage pay history is required for the subject and primary residence. The application does not indicate if there is a mortgage or not. Please provide clarification. Otherwise, the most recent [redacted]month pay history will be required. | Reviewer Comment (2026-08-28): [redacted] and [redacted] own free and clear Buyer Comment (2026-08-27): please see attached primary [redacted] property report. owned free and clear and shows tax amount Buyer Comment (2026-08-27): please see pay history doc [redacted]for subject property [redacted] Acct number of pay history # [redacted] can be matched to mtg stmt doc [redacted]. this was paid off on final ALTA |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226148863 | [Redacted] | [Redacted] | 37273868 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | KS | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226148864 | [Redacted] | [Redacted] | 37273754 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient and must at a minimum cover the loan amount. | Reviewer Comment (2026-08-27): Letter from insurance agency provided, exception cleared. Buyer Comment (2026-08-27): [redacted] is the email from the insurance agent confirming the property is at [redacted] % replacement cost. And per the attached letter, this is sufficient. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226148868 | [Redacted] | [Redacted] | 37271350 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Supporting documentation for the gift funds, including the borrower's bank statement, donor's bank statement, canceled check, deposit receipt, and Closing Disclosure, was not provided in the file. | Reviewer Comment (2026-09-04): Received Gift Letter and Wire Confirmation. Exception cleared. Buyer Comment (2026-09-03): Gift wire |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226148868 | [Redacted] | [Redacted] | 37271354 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Supporting documentation for the gift funds, including the borrower's bank statement, donor's bank statement, canceled check, deposit receipt, and Closing Disclosure, was not provided in the file. | Reviewer Comment (2026-09-04): Received Gift Letter and Wire Confirmation. Exception cleared. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226148868 | [Redacted] | [Redacted] | 37271363 | 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 asset requirements not met. | Reviewer Comment (2026-09-04): Received Gift Letter and Wire Confirmation. Exception cleared. |
09/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226148868 | [Redacted] | [Redacted] | 37271364 | 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 asset requirements not met. | Reviewer Comment (2026-09-04): Received Gift Letter and Wire Confirmation. Exception cleared. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226148868 | [Redacted] | [Redacted] | 37271365 | 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 asset requirements not met. | Reviewer Comment (2026-09-04): Received Gift Letter and Wire Confirmation. Exception cleared. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226148871 | [Redacted] | [Redacted] | 37287993 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted]([redacted]) business days of application. | Reviewer Comment (2026-08-31): [Redacted]received LE and disclosure summary Buyer Comment (2026-08-28): [redacted] & [redacted] le's and tracking upld |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226148871 | [Redacted] | [Redacted] | 37318612 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage statement for [redacted] | Reviewer Comment (2026-08-31): Provided loan activity statement to verify PITIA. Exception cleared. Buyer Comment (2026-08-28): the loan activity with payment breakdown is on [redacted] |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226148879 | [Redacted] | [Redacted] | 37283230 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Calculated DSCR does not match with bid tape DSCR. | Reviewer Comment (2026-08-26): Updated bid tape provided. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226148883 | [Redacted] | [Redacted] | 37271924 | 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 (2026-09-11): Final Title Policy with sufficient coverage, cleared Buyer Comment (2026-09-10): Title |
09/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226148883 | [Redacted] | [Redacted] | 37271941 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-09-11): Final Title Policy with sufficient coverage, cleared |
09/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226148883 | [Redacted] | [Redacted] | 37271965 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Reviewer Comment (2026-09-17): Final closing statement, cleared Buyer Comment (2026-09-16): Final Master Statement |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226148883 | [Redacted] | [Redacted] | 37290434 | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided | Missing HELOC Agreement for new loan on primary residence from which proceeds were used to close the subject purchase. | Reviewer Comment (2026-09-03): Received HELOC Agreement. Exception cleared. Buyer Comment (2026-09-01): Primary HELOC Agreement |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226148888 | [Redacted] | [Redacted] | 37274043 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification is not provided in file | Reviewer Comment (2026-08-31): Driver's license, cleared Buyer Comment (2026-08-28): please see attached drivers license Reviewer Comment (2026-08-27): Please provide Photo ID. Buyer Comment (2026-08-27): please see attached executed PATRIOT ACT |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226148910 | [Redacted] | [Redacted] | 37272289 | 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. | Initial rate lock document is missing. | Reviewer Comment (2026-08-28): Received rate lock Seller Comment (2026-08-27): correct lock Reviewer Comment (2026-08-25): Rate lock date is dated post close [redacted]. Note date [redacted] Seller Comment (2026-08-25): lock agreement - Reviewer Comment (2026-08-25): Required initial rate lock document. Exception remains. Seller Comment (2026-08-24): INITIAL LE - DATE IT WAS LOCKED AS WELL Seller Comment (2026-08-24): this is conventional loan - |
08/28/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | C | B | C | B | B | A | A | A | Non QM | Non QM | No | ||||||||||
| 226148910 | [Redacted] | [Redacted] | 37272993 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved to allow [redacted] on mortgage. Mortgage is in deceased mothers name. Lender Exception noted on [redacted]but document was not found in the file. | 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 guideline required amount by the equivalent of [redacted] months PITIA or more. 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 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. |
Documentation Type: [redacted]yr P&L w/o Bank Statements Disposable Income: $[redacted] Actual Reserves: $[redacted] Required Reserves: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-28): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-08-28): Lender exception approval provided for delinquent housing payment. Seller Comment (2026-08-27): approved exception Reviewer Comment (2026-08-26): Lender Exception approved to allow [redacted] on mortgage noted on [redacted] but Lender Exception document was not provided. Exception remains. Seller Comment (2026-08-24): this is conventional loan - |
08/28/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | C | B | C | B | B | A | A | A | Non QM | Non QM | No | ||||||||
| 226149966 | [Redacted] | [Redacted] | 37288924 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Loan file only contains a [redacted]Updated appraisal report. The original appraisal report is missing. | Reviewer Comment (2026-09-02): Received appraisal report. Exception cleared. Buyer Comment (2026-09-01): Appraisal |
09/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226149966 | [Redacted] | [Redacted] | 37288966 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-09-02): Received Hazard Insurance Policy. Exception cleared. Buyer Comment (2026-09-01): Hazard |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226149966 | [Redacted] | [Redacted] | 37288975 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal not provided. | Reviewer Comment (2026-09-02): Received appraisal report. Exception cleared. |
09/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226149966 | [Redacted] | [Redacted] | 37289191 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]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. | Waterfall due to missing appraisal report. | Reviewer Comment (2026-09-02): Received appraisal report. Exception cleared. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 226149966 | [Redacted] | [Redacted] | 37289192 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Waterfall due to missing appraisal report. | Reviewer Comment (2026-09-02): Received appraisal report. Exception cleared. |
09/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 226149966 | [Redacted] | [Redacted] | 37289194 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | Waterfall due to missing appraisal report. | Reviewer Comment (2026-09-02): Received appraisal report. Exception cleared. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | ||||||||||
| 226149966 | [Redacted] | [Redacted] | 37289209 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | The Changed Circumstance regarding the Appraisal Re-Inspection fee of $[redacted]was dated on [redacted], more than three days prior to the issued Closing Disclosure issued on [redacted]. | Reviewer Comment (2026-09-11): [redacted]received COC dated [redacted] Buyer Comment (2026-09-09): Appraisal would hit [redacted] days on [redacted] which was determined to be before closing which triggered the order for the recert of value Reviewer Comment (2026-09-02): [redacted]received Changed Circumstance dated [redacted] , but it does not give sufficient information on why the recert of value was required. In order to determine if the changed circumstance is valid more information is necessary on reason appraisal re-inspection fee was added 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. Buyer Comment (2026-09-01): RLE with coc |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | D | A | Non QM | Non QM | Yes | |||||||||
| 226149966 | [Redacted] | [Redacted] | 37298899 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | Missing the original appraisal report. | Reviewer Comment (2026-09-02): Received appraisal report. Exception cleared. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | D | A | Non QM | Non QM | No | |||||||||||
| 226150989 | [Redacted] | [Redacted] | 37451330 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure was not found in the Loan File. | Reviewer Comment (2026-09-10): Closing statement, cleared Buyer Comment (2026-09-10): fss upld |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226150989 | [Redacted] | [Redacted] | 37451372 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided | Rider - [redacted] Family rider was not found in the Loan File. | Reviewer Comment (2026-09-10): Rider - [Redacted]Family rider, cleared Buyer Comment (2026-09-10): [Redacted]rider upld |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226150989 | [Redacted] | [Redacted] | 37451381 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Prepayment Rider was not found in the Loan File. | Reviewer Comment (2026-09-10): Prepayment Rider, cleared Buyer Comment (2026-09-10): ppp rider upld |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226150989 | [Redacted] | [Redacted] | 37467985 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | File is missing the most recent [redacted]month mortgage payment history for the subject property. | Reviewer Comment (2026-09-23): Received mortgage statement for subject property. Exception Cleared. Buyer Comment (2026-09-22): please see [redacted]months of statements for pay hist, loan originated [Redacted], [Redacted]payment[Redacted] Reviewer Comment (2026-09-18): Per lender guides, section [redacted], the following is required: For Investor Cash Flow loans, mortgages not reporting on credit do not need to be verified provided they are neither attached to the subject property nor any of the Applicant's primary residence. Buyer Comment (2026-09-15): please cancel, see guides [redacted], pay hist is not required, it's at the uw discretion. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226152907 | [Redacted] | [Redacted] | 37281484 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226155214 | [Redacted] | [Redacted] | 37319023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether property taxes are included in escrow. | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether property taxes are included in escrow. | Reviewer Comment (2026-09-02): [redacted]received PCCD and LOE. Buyer Comment (2026-09-01): PCCD |
09/02/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226155376 | [Redacted] | [Redacted] | 37289853 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Disclosed Finance charge of $[redacted], calculated finance charge of $[redacted]. Variances: $[redacted]. | Reviewer Comment (2026-09-08): [redacted]received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Buyer Comment (2026-09-04): tracking Reviewer Comment (2026-09-03): RTC requires proof of delivery to ensure [Redacted]business day cool-off period is provided. Remediation package not yet delivered to borrower. Buyer Comment (2026-09-03): RTC docs Buyer Comment (2026-09-02): refund docs Reviewer Comment (2026-09-02): Please provide a copy of the refund check for this loan transaction as the provided copy appears to belong to another transaction. This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Buyer Comment (2026-09-01): PCCD, LOX, Label and Check Reviewer Comment (2026-08-27): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [Redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $ [redacted]4 is under disclosed by $[redacted]compared to the calculated Finance Charge of $ [redacted]which exceeds the $[redacted]threshold. Disclosed Amount Financed on page [redacted]is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). (Final/ [redacted] Reviewer Comment (2026-08-27): [redacted]received lender attestation that the Title-Tax Report was a one time fee. However, that a Title-Title Services Fee - Lender is stated that it is a 1 time fee would not address if the fee is a finance charge or not. That a fee is a one time fee does not determine if a finance charge, but what the fee services are determines if a finance charge. Further confirming that a Title-Tax Report fee is a one time fee, confirms that the service provide (to check tax records) was an at closing service and is not a life of loan service required by the lender for continuing to check tax records for the loan escrow requirements. The Title-Title Services Fee - Lender is a generic fee name and [redacted]is unable to determine the services provided within it to confirm if finance charge or excludable. Lender can provide additional lender attstation that gives the specific services & purposes of the fee if they feel the services provided are excludable under [redacted] requirements. Otherwise, cure would be Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $ [redacted], proof of mailing and proof of reopening of rescission to all consumers. Buyer Comment (2026-08-26): email from title |
09/08/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226155534 | [Redacted] | [Redacted] | 37290935 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title commitment / final was not found in file. | Reviewer Comment (2026-09-04): Received title commitment document, information validated, however Final title policy still missing in file. Exception Cleared. Buyer Comment (2026-09-02): Final Title is not required at this stage however please see attached Title Commitment. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226155534 | [Redacted] | [Redacted] | 37290944 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Divorce Decree was not found in file. | Reviewer Comment (2026-09-14): Received email from branch which clarifies borrower does not pay alimony therefore liability has been removed. Received updated [redacted]and [redacted]with corrected DTI of [redacted]% which matches system calculated DTI. Exception cleared. Buyer Comment (2026-09-10): See Email from Branch says they spoke to borrower who stated she is still married and does not pay anyone alimony $[redacted]. Branch said this is an error, so the liability has been removed. Updated and attached 1008/1003 and sent for Bid Tape Update to reflect DTI ratio of [redacted]% Buyer Comment (2026-09-10): See Email from Branch says they spoke to borrower who stated she is still married and does not pay anyone alimony $[redacted]. Branch said this is an error, so the liability has been removed. Updated and attached [redacted]and sent for Bid Tape Update to reflect DTI ratio of [redacted]% |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226155712 | [Redacted] | [Redacted] | 37299813 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226155818 | [Redacted] | [Redacted] | 37320685 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Title is not in the name of the borrowing entity. | Reviewer Comment (2026-09-23): Received General warranty deed transferring property to borrowing business entity. Exception cleared. Buyer Comment (2026-09-22): Please see attached. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226155841 | [Redacted] | [Redacted] | 37286843 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-08-26): Received E-sign Consent document. Exception cleared. Buyer Comment (2026-08-24): Please see attached. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226155841 | [Redacted] | [Redacted] | 37286851 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax verification is not provided for [redacted]. | Reviewer Comment (2026-08-26): Received tax certificate. Exception cleared. Buyer Comment (2026-08-24): Please see attached. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226156197 | [Redacted] | [Redacted] | 37290120 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-19): Sufficient Cure Provided At Closing |
08/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | C | B | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226156197 | [Redacted] | [Redacted] | 37301413 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception noted on [redacted]to allow [redacted]% CLTV however no lender exception document was found in the file. Lender exception approved for a [redacted]% LTV/CLTV vs [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. 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. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]yr Full Doc Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-01): Client elects to waive with compensating factors. Buyer Comment (2026-08-28): except aprvl upld |
09/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226156199 | [Redacted] | [Redacted] | 37290196 | 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 excessive DTI. | Reviewer Comment (2026-09-03): Maximum guideline DTI updated correctly. Exception cleared. |
09/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226156199 | [Redacted] | [Redacted] | 37290197 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The loan was lender approved with a DTI of [redacted]% which exceeds the guideline maximum of [redacted]%. An exception approval was not located. | Reviewer Comment (2026-09-03): Maximum guideline DTI updated correctly. Exception cleared. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226156199 | [Redacted] | [Redacted] | 37290199 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. Fee amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-02): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-09-01): See [redacted]page [redacted]for final CD, the cure is at the bottom of page [redacted] |
09/02/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 226156199 | [Redacted] | [Redacted] | 37290201 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | Transfer Tax. Fee amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-10): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-09): Sent out today Buyer Comment (2026-09-09): PCCD with cure |
09/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 226156199 | [Redacted] | [Redacted] | 37290206 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | The loan was lender approved with a DTI of [redacted]% which exceeds the guideline maximum of [redacted]%. An exception approval was not located. | Reviewer Comment (2026-09-03): Maximum guideline DTI updated correctly. Exception cleared. Buyer Comment (2026-09-01): We can go to [redacted]% if we meet the below per guides For Full Doc loans only, the maximum allowable DTI may be increased to [redacted] when the following requirements are met: • Min FICO: [redacted] • Max LTV/CLTV: [redacted] • Eligible Transactions: Purchase or Rate and Term Refinance • Minimum Residual Income: greater of .[redacted]% of the loan amount or $[redacted] |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226156199 | [Redacted] | [Redacted] | 37290223 | 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 excessive DTI. | Reviewer Comment (2026-09-03): Maximum guideline DTI updated correctly. Exception cleared. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226156233 | [Redacted] | [Redacted] | 37291280 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]% tolerance was exceeded by $[redacted]due to the Appraisal Fee. No valid COC was provided. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-26): [redacted]received appraisal ordered document with additional information lieu of valid changed circumstance. Buyer Comment (2026-08-24): See [redacted]. LE disclosed updated once we found out increase. See order notes. |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | 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 | |||||||||
| 226156235 | [Redacted] | [Redacted] | 37291785 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-08-31): UCDP with acceptable risk score received, exception cleared Buyer Comment (2026-08-28): ucdp upld, cu score us under [Redacted], please clear |
08/31/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IN | Investment | Refinance - Rate/Term | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 226156268 | [Redacted] | [Redacted] | 37291414 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided | Background Check document is missing in the loan file. | Reviewer Comment (2026-08-25): Cleared. Seller Comment (2026-08-25): fraudguard |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226156268 | [Redacted] | [Redacted] | 37291416 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report document is missing in the loan file. | Reviewer Comment (2026-08-25): Fraud report provided. Exception cleared. Seller Comment (2026-08-24): FRAUDGUARD REPORT |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226157505 | [Redacted] | [Redacted] | 37291869 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226157555 | [Redacted] | [Redacted] | 37291606 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226157626 | [Redacted] | [Redacted] | 37294144 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification was not provided. | Reviewer Comment (2026-08-27): Received HOA verification is verified and associated, exception cleared. Buyer Comment (2026-08-25): HOA |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226157626 | [Redacted] | [Redacted] | 37294146 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement not provided. | Reviewer Comment (2026-08-27): Received Closing Disclosure is associated as statement, exception cleared. Buyer Comment (2026-08-25): final cd |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226157626 | [Redacted] | [Redacted] | 37294178 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | The subject transaction is an investment property purchase. However, the final [redacted]Declaration section incorrectly discloses the co-borrower's intent to occupy the property as a primary residence. | Reviewer Comment (2026-08-27): Received updated 1003 is verified and associated, exception cleared. Buyer Comment (2026-08-25): 1003 |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226157626 | [Redacted] | [Redacted] | 37294182 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient by $[redacted]. Please provide hazard insurance with extended replacement cost or replacement cost estimator document. | Reviewer Comment (2026-08-27): Received Replacement cost confirmation is verified and associated, exception cleared. Buyer Comment (2026-08-25): replacement confirmation |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226157626 | [Redacted] | [Redacted] | 37315018 | Credit | Missing Document | General | Missing Document | Missing Document: [redacted]Rent Comparison Schedule not provided | Please provide a market rent analysis ([redacted]) report on the subject property. Additional requirements may apply. | Reviewer Comment (2026-08-27): Market rent analysis (Form 1007) report is not required, exception cleared. Buyer Comment (2026-08-25): We aren't using rental income on the subject property |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226157626 | [Redacted] | [Redacted] | 37315176 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Please provide signed and dated Rider- Prepayment for Security Instrument. | Reviewer Comment (2026-09-02): Received prepayment rider. Exception cleared. Buyer Comment (2026-08-31): rider |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226157639 | [Redacted] | [Redacted] | 37291411 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 increase of Recording Fee. No valid COC provided, nor evidence of cure in file. | Reviewer Comment (2026-08-25): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-24): This has already been credited to the borrower. Please clear condition. |
08/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | 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 | |||||||||
| 226157639 | [Redacted] | [Redacted] | 37344775 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-25): Sufficient Cure Provided At Closing |
08/25/2026 | No | 1 | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226162160 | [Redacted] | [Redacted] | 37295535 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | [redacted] Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Disclosure signed at closing with no evidence of Notice receipt at least [redacted] days prior to closing. Changed [redacted] | Reviewer Comment (2026-08-27): Initial Notice of Special Flood hazard disclosure received. Buyer Comment (2026-08-25): See [Redacted]and [Redacted] |
08/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | B | A | A | A | B | A | A | A | N/A | Non QM | No | ||||||||||
| 226162452 | [Redacted] | [Redacted] | 37439037 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: FICO | Reviewer Comment (2026-09-04): FICO considered for Keith as per guidelines. Buyer Comment (2026-09-02): Hello, please see the attached FICO rebuttal. Thank you! |
09/04/2026 | No | 1 | A | A | A | A | A | FL | Second Home | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226162458 | [Redacted] | [Redacted] | 37299929 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted]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. | Reviewer Comment (2026-09-11): Received confirmation of receipt of appraisal. Buyer Comment (2026-09-09): additional proof bwr rcv'd [redacted]report on [redacted]upld to trl docs Reviewer Comment (2026-09-09): Documentation to confirm that a copy of the[redacted] valuation was received by the applicant [redacted] business days prior to consummation on [redacted] is not provided in the file. Buyer Comment (2026-09-04): please clear, we have shown all appraisals were delivered and have shown that the appraisals not delivered [redacted] days prior to closing was a clerical revision only, this is acceptable.. Reviewer Comment (2026-09-03): Exception remains.Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. Buyer Comment (2026-09-03): initial aprsl and proof revised aprsl was clerical only, no value change upld to trl docs Reviewer Comment (2026-09-03): Appraisal report dated [redacted] was not provided to the borrower [redacted]business days prior to the Note date. Exception remains. Buyer Comment (2026-09-01): please see bwr email on [redacted]confirming he received aprsls as of[redacted] |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226162458 | [Redacted] | [Redacted] | 37299930 | 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 [redacted]([redacted]) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted]business days prior to consummation. | Reviewer Comment (2026-09-11): Received confirmation of receipt of appraisal. Buyer Comment (2026-09-09): additional proof bwr rcv'd [redacted]report on [redacted] upld Reviewer Comment (2026-09-09): Documentation to confirm that a copy of the[redacted] valuation was received by the applicant [redacted] business days prior to consummation on [redacted] is not provided in the file. Buyer Comment (2026-09-04): please clear, we have shown all appraisals were delivered and have shown that the appraisals not delivered [Redacted]days prior to closing was a clerical revision only, this is acceptable. Reviewer Comment (2026-09-03): Exception remains.Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. Buyer Comment (2026-09-03): initial aprsl and proof revised aprsl was clerical only, no value change upld Reviewer Comment (2026-09-03): Appraisal report dated [redacted] was not provided to the borrower [redacted]business days prior to the Note date. Exception remains. Buyer Comment (2026-09-01): please see bwr email on [redacted]confirming he received aprsls as of[redacted] |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226162458 | [Redacted] | [Redacted] | 37318144 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception noted on [redacted]to allow alternative credit using [redacted] and [redacted]. Exception document was not found in the file. | 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 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. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: WVOE Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-03): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-01): except aprvl upld |
09/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 226162458 | [Redacted] | [Redacted] | 37318739 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226162458 | [Redacted] | [Redacted] | 37545330 | 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 revised valuation to applicant [redacted]([redacted]) business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Buyer Comment (2026-09-16): ok to waive |
09/16/2026 | No | 2 | B | B | B | B | B | TX | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226163209 | [Redacted] | [Redacted] | 37298203 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided | Note for Subordinate Lien amount of $[redacted]is missing. | Reviewer Comment (2026-08-27): Received deed of trust, title document and assignment of leases document to verify the subordination lien. Exception Cleared. Buyer Comment (2026-08-25): Please see attached. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226163209 | [Redacted] | [Redacted] | 37322122 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226163290 | [Redacted] | [Redacted] | 37298483 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not found in file. | Reviewer Comment (2026-08-27): HOI provided, exception cleared. Buyer Comment (2026-08-27): Please see attached HOI |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226164282 | [Redacted] | [Redacted] | 37299589 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final title policy was not found in file. | Reviewer Comment (2026-09-11): Final title policy received. Exception cleared. |
09/11/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226164282 | [Redacted] | [Redacted] | 37299612 | 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 (2026-09-11): Title policy amount updated . Exception cleared. Buyer Comment (2026-09-10): please see attached Final Title Policy |
09/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | A | B | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226164282 | [Redacted] | [Redacted] | 37299726 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Home Inspection Fee (Optional). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Home Inspection Fee was not disclosed on LE but disclosed as $[redacted]on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-09-11): [redacted]received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-09-10): apologies, please see attached lox & pccd moving home warranty fee to section h Reviewer Comment (2026-09-10): [redacted] received rebuttal. However, the home warranty Premium was disclosed under section C and it's an non apr fee. Therefore, we would require Post CD along with LOX by moving fee to section H. Buyer Comment (2026-09-08): please clarify. $[redacted]home warranty fee is a third party non apr fee listed in sec h on final cd |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226164283 | [Redacted] | [Redacted] | 37320577 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Attorney's Fee was not disclosed on Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid change of circumstance for this fee; cure provided at closing. | Reviewer Comment (2026-08-31): [redacted]received Post CD and LOX. Buyer Comment (2026-08-28): Please see attached Attestation where I verified that the fee named "Attorney's Fee Borrower's" for $[redacted] was a borrower selected service and the borrower selected the attorney. In addition please see PCCD and cover letter moving the fee to Section H since this was a third party fee not required by [redacted]. Buyer Comment (2026-08-28): Please see attached Attestation where I verified that the fee named "Attorney's Fee Borrower's" for $[redacted]was a borrower selected service and the borrower selected the attorney. In addition please see PCCD and cover letter moving the fee to Section H since this was a third party fee not required by [redacted]. Buyer Comment (2026-08-28): Please see attached Attestation where I verified that the fee named "Attorney's Fee Borrower's" for $[redacted]was a borrower selected service and the borrower selected the attorney. In addition please see PCCD and cover letter moving the fee to Section H since this was a third party fee not required by [redacted] . |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | |||||||||
| 226164284 | [Redacted] | [Redacted] | 37309382 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 circumstances provided in the loan file. | Reviewer Comment (2026-09-17): [redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-09-16): There is already a $[redacted] cure for recording fees on the final CD, Please see cure check for the additional [redacted] violation along with the PCCD, Cover letter and proof [Redacted]Delivered Buyer Comment (2026-09-16): There is already a $[redacted]cure for recording fees on the final CD, Please see cure check for the additional [redacted] violation along with the PCCD, Cover letter and proof [Redacted]Delivered |
09/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | |||||||||
| 226164284 | [Redacted] | [Redacted] | 37319941 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing mortgage or loan statement for REO | Reviewer Comment (2026-09-01): Document provided |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226164284 | [Redacted] | [Redacted] | 37319994 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-09-01): Document provided Buyer Comment (2026-08-31): Please see attached CD from new [redacted] Loan. Statement for [redacted]w/ [Redacted] in [redacted](match up Last [redacted]digits of account number). |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226164284 | [Redacted] | [Redacted] | 37425776 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Borrower obtained a new mortgage on this property based on the estimated closing statement provided. A copy of the final CD would be required. | Reviewer Comment (2026-09-10): Cleared. REO property is owned free and cliear per final 1003. Buyer Comment (2026-09-08): Please cancel condition, this document was already provided to you on [redacted] , The [Redacted]property is owned free and clear and there is no new loan on this property so there is no documentation to provide. The new loan is on[redacted] and the CD is in Trailing docs ([redacted]) |
09/10/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 226164291 | [Redacted] | [Redacted] | 37299506 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [redacted] EIN was not found in file. | Reviewer Comment (2026-08-28): Documents provided [redacted]and [redacted] Buyer Comment (2026-08-27): EIN letters Reviewer Comment (2026-08-27): Document provided [redacted]is for [redacted]Rental Properties LP need EIN for Stoecker [redacted] Buyer Comment (2026-08-26): They are all under [Redacted]EIN number |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226164291 | [Redacted] | [Redacted] | 37299539 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [redacted] EIN was not found in file. | Reviewer Comment (2026-09-01): Received EIN for [redacted] . Exception cleared. Buyer Comment (2026-08-28): see uploaded Reviewer Comment (2026-08-27): Document provided [redacted]is for [redacted]Rental Properties LP need EIN for Stoecker [redacted] Buyer Comment (2026-08-26): See uploaded. they all operate under [Redacted]EIN number |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226164295 | [Redacted] | [Redacted] | 37332614 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Reviewer Comment (2026-08-27): Condo project approval provided, exception cleared. Buyer Comment (2026-08-27): Please see attached. Reviewer Comment (2026-08-27): Received 1073 Appraisal Report showing project has [redacted]Units. Please provide documentation from lender/seller confirming the condo/co-op is warrantable. Exception Remains. Buyer Comment (2026-08-25): Please see attached. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226164297 | [Redacted] | [Redacted] | 37303653 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-09-23): Received Permanent Resident Card. Exception cleared. Buyer Comment (2026-09-22): Please see attached. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226164300 | [Redacted] | [Redacted] | 37302464 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | Subject Property does not have any active lease. DSCR calculated by market rent $[redacted]by total liabilities $[redacted]is [redacted]. | Reviewer Comment (2026-09-14): Corrected Bid tape DSCR value. Exception Cleared. Buyer Comment (2026-09-10): Please review data compare. We are now within the .[redacted]% variance. Please clear condition. Reviewer Comment (2026-08-27): Received 1008 underwriter stated Expanded DSCR. Lease Agreement not available in File for the Tenant occupied Unit. Qualified Market Rent $[redacted] for Income Calculation. Please update Bid Tape value as [redacted]. Exception Remains. Buyer Comment (2026-08-25): Please see attached. |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226164301 | [Redacted] | [Redacted] | 37309244 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | 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. | Reviewer Comment (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226164302 | [Redacted] | [Redacted] | 37304507 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final [redacted] | [redacted]Final document is missing. | Reviewer Comment (2026-09-08): Received final [redacted] document, information validated. Exception Cleared. Buyer Comment (2026-09-04): 1003 |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226164302 | [Redacted] | [Redacted] | 37320096 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for Non-Warrantable Condo due to Recreational Lease and Insufficient Insurance. Max LTV [redacted]%, Max DTI [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. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted] % and $[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. |
Borrower has been employed in the same industry for more than [redacted] years. Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Reserves: [redacted] Guideline Requirement: [redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-24): Lender Exception with Compensating Factors provided. |
08/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226164442 | [Redacted] | [Redacted] | 37302470 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification, Tax Verification was not provided in file. | Reviewer Comment (2026-09-03): Received required documentation to enable exclusion of departure residence. Cleared. Buyer Comment (2026-09-02): Please see attached CD from new [redacted]Bridge Loan, evidence of tax and insurance. Please note the HELOC Statement for Citadel is found in [redacted]. I have provided an updated 1008/1003 with corrected payment for this property. Buyer Comment (2026-09-02): Please see attached CD from new [redacted]Bridge Loan, evidence of tax and insurance. Please note the HELOC Statement for Citadel is found in [redacted]. I have provided an updated [redacted]with corrected payment for this property. Buyer Comment (2026-09-02): Please see attached CD from new [redacted] Bridge Loan, evidence of tax and insurance. Please note the HELOC Statement for Citadel is found in [redacted]. I have provided an updated [redacted] with corrected payment for this property. Buyer Comment (2026-09-02): Please see attached CD from new [redacted] Bridge Loan, evidence of tax and insurance. Please note the HELOC Statement for Citadel is found in [redacted]. I have provided an updated 1008/1003 with corrected payment for this property. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226164442 | [Redacted] | [Redacted] | 37302516 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. DTI exceeds due to Bridge loan [redacted], Underwriter not used in calculation. | Reviewer Comment (2026-09-03): Received required documentation to enable exclusion of departure residence. Cleared. Buyer Comment (2026-09-02): We are using the Departing residence guidelines that allows to omit the debt on the departing residence. Listing agreement in [redacted], Appraisal in [redacted]. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226164442 | [Redacted] | [Redacted] | 37302731 | 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. | DTI exceeds due to Bridge loan [redacted]., Underwriter not used in calculation. | Reviewer Comment (2026-09-03): Received required documentation to enable exclusion of departure residence. Cleared. Buyer Comment (2026-09-02): We are using the Departing residence guidelines that allows to omit the debt on the departing residence. Listing agreement in [redacted], Appraisal in [redacted]. |
09/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226164442 | [Redacted] | [Redacted] | 37302732 | 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. | DTI exceeds due to Bridge loan [redacted]., Underwriter not used in calculation. | Reviewer Comment (2026-09-03): Received required documentation to enable exclusion of departure residence. Cleared. Buyer Comment (2026-09-02): We are using the Departing residence guidelines that allows to omit the debt on the departing residence. Listing agreement in [redacted], Appraisal in [redacted]. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226164442 | [Redacted] | [Redacted] | 37302733 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)([redacted]) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI exceeds due to Bridge loan [redacted]., Underwriter not used in calculation. | Reviewer Comment (2026-09-03): Received required documentation to enable exclusion of departure residence. Cleared. Buyer Comment (2026-09-02): We are using the Departing residence guidelines that allows to omit the debt on the departing residence. Listing agreement in [redacted], Appraisal in [redacted]. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226164442 | [Redacted] | [Redacted] | 37302787 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 $[redacted]disclosed on initial LE, but $[redacted]was disclosed on Closing Disclosure. Sufficient cure was not provided in file. | Reviewer Comment (2026-09-10): [redacted][Redacted]received PCCD, LOE and closing statement. Buyer Comment (2026-09-08): Also, can you fix the ratios on your end as to prevent a Data Discrepancy further down the line. It appears your total liabilities are missing the loan for [Redacted]for $[redacted]Pmt $[redacted]and the payment on the [Redacted]Lease should reflect $[redacted] (not $[redacted]) Thank you. Buyer Comment (2026-09-08): Please see attached attached PCCD and Cover Letter to borrower along with the final settlement statement signed by the parties and settlement agent as requested. Reviewer Comment (2026-09-03): [redacted]received rebuttal, however on final CD cure provided on inner column of sec J is $[redacted] and lender credit of $[redacted] in outer column. If all the cure was applied towards cure, corrected PCCD updating $[redacted] on inner column of sec J, LOE and true & certified copy of final settlement statement are required. Buyer Comment (2026-09-02): Please refer to final CD that shows a lender credit for $[redacted] to cure Appraisal Violation for $[redacted]and Credit Report violation for $[redacted]. |
09/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | 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 | |||||||||
| 226164442 | [Redacted] | [Redacted] | 37302788 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 $[redacted]disclosed on initial LE, but $[redacted]was disclosed on Closing Disclosure. Sufficient cure was not provided in file. | Reviewer Comment (2026-09-10): [redacted] received PCCD, LOE and closing statement. Buyer Comment (2026-09-08): Please see attached attached PCCD and Cover Letter to borrower along with the final settlement statement signed by the parties and settlement agent as requested. Reviewer Comment (2026-09-03): [redacted] received rebuttal, however on final CD cure provided on inner column of sec J is $[redacted]and lender credit of $[redacted]in outer column. If all the cure was applied towards cure, corrected PCCD updating $[redacted]on inner column of sec J, LOE and true & certified copy of final settlement statement are required. Buyer Comment (2026-09-02): Please refer to final CD that shows a lender credit for $[redacted]to cure Appraisal Violation for $[redacted]and Credit Report violation for $[redacted]. |
09/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | 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 | |||||||||
| 226164442 | [Redacted] | [Redacted] | 37302836 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. DTI exceeds due to Bridge loan [redacted]., Underwriter not used in calculation. | Reviewer Comment (2026-09-03): Received required documentation to enable exclusion of departure residence. Cleared. Buyer Comment (2026-09-02): We are using the Departing residence guidelines that allows to omit the debt on the departing residence. Listing agreement in [redacted], Appraisal in [redacted]. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226164446 | [Redacted] | [Redacted] | 37301373 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | HOA Questionnaire was not found in file. | Reviewer Comment (2026-08-27): [Redacted]not condo, exception cleared. Buyer Comment (2026-08-27): There was no review completed so there won't be an approval cert Reviewer Comment (2026-08-27): Exception remains Need to confirm the condo/co-op is warrantable Buyer Comment (2026-08-25): The project review was waived so an HOA questionnaire was not required. please cancel invalid condition |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226164469 | [Redacted] | [Redacted] | 37309204 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID:[redacted] | Reviewer Comment (2026-08-31): CDA, cleared Buyer Comment (2026-08-31): CDA |
08/31/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | |||||||||||||||
| 226164469 | [Redacted] | [Redacted] | 37334330 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Title is not in the borrowing entities name. | Reviewer Comment (2026-08-31): Received Warranty Deed confirming Vesting is in Borrower name as [redacted] purchased from [redacted]Exception cleared. Buyer Comment (2026-08-27): deed |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | ||||||||||||||
| 226164560 | [Redacted] | [Redacted] | 37309216 | 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]([redacted]) business days prior to closing. | Initial Closing Disclosure was not found in file. | Reviewer Comment (2026-09-16): [redacted]received disclosure summary Buyer Comment (2026-09-15): Disclosure Tracking Reviewer Comment (2026-09-03): [redacted]received [redacted] CD without receipt. Please provide documentation of receipt if available. The mailbox rule is applied therefore receipt date is [redacted]. Consummation date is [redacted] is day [Redacted], [redacted]is day [redacted]. Please provide documentation if the CD was received [Redacted] (day [Redacted]) or earlier for review. Buyer Comment (2026-09-02): CDS |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226164560 | [Redacted] | [Redacted] | 37309217 | 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 [redacted]([redacted]) 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. | Provided E-consent dated [redacted], which is after the initial Loan Estimate signed [redacted]. A valid e-consent document is required. | Reviewer Comment (2026-09-03): [redacted] received e-/consent dated [Redacted] Buyer Comment (2026-09-02): E consent |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226164560 | [Redacted] | [Redacted] | 37309218 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-08-20): Sufficient Cure Provided At Closing |
08/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226164560 | [Redacted] | [Redacted] | 37309247 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance document was not found in file. | Reviewer Comment (2026-09-04): Hazard insurance document received and verified. Exception cleared. Buyer Comment (2026-09-02): HOI |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226164985 | [Redacted] | [Redacted] | 37309180 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted]which exceeds the $[redacted]threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted], which exceeds the $[redacted]threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]. (Final/[redacted]) | Reviewer Comment (2026-09-08): [redacted] received Corrected CD and LOE to borrower which matches to the Final Settlement Statement on borrower fees Buyer Comment (2026-09-04): PCCD with letter, $[redacted]Title Search fee is a non APR fee and shouldn't be in calculation |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226164985 | [Redacted] | [Redacted] | 37320543 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | CPA letter required stating the use of funds will not negatively affect the borrower's business was not provided. | Reviewer Comment (2026-09-04): Received cash flow analysis for account #[redacted]and reserves requirement met. Exception cleared. Buyer Comment (2026-09-02): CashFlow |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226164985 | [Redacted] | [Redacted] | 37320628 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | CPA letter required stating the use of funds will not negatively affect the borrower's business was not provided. | Reviewer Comment (2026-09-04): Received cash flow analysis for account #[redacted]and reserves requirement met. Exception cleared. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226164985 | [Redacted] | [Redacted] | 37320640 | 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 (2026-09-04): Received cash flow analysis for account #[redacted]and reserves requirement met. Exception cleared. |
09/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226164985 | [Redacted] | [Redacted] | 37320641 | 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. | CPA letter required stating the use of funds will not negatively affect the borrower's business was not provided. | Reviewer Comment (2026-09-04): Received cash flow analysis for account #[redacted]and reserves requirement met. Exception cleared. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226164985 | [Redacted] | [Redacted] | 37497441 | 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. | [redacted] received Corrected CD and LOE to borrower which matches to the Final Settlement Statement on borrower fees. Fees in Section D (specifically section C) have increased and thus TOP calculation at closing was underdisclosed due to fees that were not disclosed to borrower and exceeded TOP threshold. TOP was underdisclosed by $[redacted]which requires a cure. Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $[redacted]and proof of mailing | Reviewer Comment (2026-09-23): Cure docs provided Buyer Comment (2026-09-22): PCCD with cure, Sent out today |
09/23/2026 | No | 2 | B | B | B | B | B | PA | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226165801 | [Redacted] | [Redacted] | 37310559 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | 1. Condotel (Looking for [redacted]% LTV). 2. Insufficient Reserve Contributions. The branch is looking for the maximum LTV allowed. This is a small project ([redacted]Units) located in the resort area of [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 guideline required amount by the equivalent of [redacted] months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]and $[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. |
Documentation Type: [[redacted]]Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC Originator,SitusAMC SitusAMC SitusAMC Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-08-24): Client elects to waive with compensating factors. |
08/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MI | Second Home | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226166027 | [Redacted] | [Redacted] | 37309470 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. | Seller's Closing Fees are not reflected on Consumer's Final Closing Disclosure. | Reviewer Comment (2026-09-10): New exception set for new disclosure. |
09/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226166027 | [Redacted] | [Redacted] | 37309494 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]% tolerance was exceeded by $[redacted]due to the Credit Report Fee. No valid COC was provided. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-08-21): Cured at closing or within 60 days of consummation prior to TPR review |
08/21/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | CA | 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 | |||||||||
| 226166027 | [Redacted] | [Redacted] | 37309495 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to the HOA/Condo Questionnaire Fee. No valid COC was provided. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-10): [redacted] received Final CD dated [redacted] and supporting final SS was already provided in the loan file for the HOA fee was not charged to borrower at the time of closing. Buyer Comment (2026-09-08): please see attached invest memo and revised final cd erroneously omitted from the doc upload |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | |||||||||
| 226166027 | [Redacted] | [Redacted] | 37309499 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]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 Recording Fee. No valid COC was provided. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-14): [redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-09-11): please see attached lox, pccd and check |
09/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | 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 | |||||||||
| 226166923 | [Redacted] | [Redacted] | 37309392 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per appraisal, the unit is tenant-occupied; however, the lease in the file shows it expired on [redacted] | Reviewer Comment (2026-09-17): Received active lease agreement. Exception cleared. Buyer Comment (2026-09-15): current lease upld |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226166924 | [Redacted] | [Redacted] | 37318882 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Verified and captured all available assets, however the asset requirement not met, as the final application reflects a bridge loan of $[redacted]and supporting documentation for the bridge loan is not available. | Reviewer Comment (2026-09-01): Cleared. Received statement for bridge loan. Buyer Comment (2026-08-31): bridge cd upld |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226166924 | [Redacted] | [Redacted] | 37318898 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Verified and captured all available assets, however the asset requirement not met, as the final application reflects a bridge loan of $[redacted]and supporting documentation for the bridge loan is not available. | Reviewer Comment (2026-09-01): Cleared. Received statement for bridge loan. Buyer Comment (2026-08-31): bridge cd upld to trl docs |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226166924 | [Redacted] | [Redacted] | 37318965 | 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. | Verified and captured all available assets, however the asset requirement not met, as the final application reflects a bridge loan of $[redacted]and supporting documentation for the bridge loan is not available. | Reviewer Comment (2026-09-01): Cleared. Received statement for bridge loan. Buyer Comment (2026-08-31): bridge cd upld to trl docs |
09/01/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226166924 | [Redacted] | [Redacted] | 37318966 | 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. | Verified and captured all available assets, however the asset requirement not met, as the final application reflects a bridge loan of $[redacted]and supporting documentation for the bridge loan is not available. | Reviewer Comment (2026-09-01): Cleared. Received statement for bridge loan. Buyer Comment (2026-08-31): bridge cd upld to trl docs |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226166924 | [Redacted] | [Redacted] | 37318968 | 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.) | Verified and captured all available assets, however the asset requirement not met, as the final application reflects a bridge loan of $[redacted]and supporting documentation for the bridge loan is not available. | Reviewer Comment (2026-09-01): Cleared. Received statement for bridge loan. Buyer Comment (2026-08-31): bridge cd upld to trl docs |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226166924 | [Redacted] | [Redacted] | 37319035 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Verified and captured all available assets, however the asset requirement not met, as the final application reflects a bridge loan of $[redacted]and supporting documentation for the bridge loan is not available. | Reviewer Comment (2026-09-01): Cleared. Received statement for bridge loan. Buyer Comment (2026-08-31): bridge cd upld to trl docs |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226167128 | [Redacted] | [Redacted] | 37310555 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved Lender Exception - Exception requested for [redacted]% LTV as [redacted]% per section [redacted] Compensating Factor - Total debt [redacted]% or more under requirement, residual income $[redacted]or more, reduction in housing/mortgage payment, minimum consumer debt. | Borrower has been employed in the same industry for more than [redacted] years. 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 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. |
Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Reserves: [redacted] Guideline Requirement: [redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-08-24): Client elects to waive with compensating factors. |
08/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226167128 | [Redacted] | [Redacted] | 37321719 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment Schedule B Part 1, Item #[redacted], reflects a judgment with outstanding balances in the amount of $TBD. The seller's HUD-1 does not reflect payoff of the judgment. Please provide evidence that the liens have been released, paid, and will not have a negative impact on the final title policy. | Reviewer Comment (2026-09-03): Received updated title policy does not reflects any liens. Exception cleared. Buyer Comment (2026-09-01): Please see final title that shows the Judgement from the seller is no longer reporting. |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226167631 | [Redacted] | [Redacted] | 37310406 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. | Loan Estimate [redacted]was not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-09-08): [redacted] received LE dated [redacted] Buyer Comment (2026-09-04): Please see attached. Reviewer Comment (2026-08-28): [redacted] received the [redacted] Sign document summary, which indicates that the LE dated [redacted]was sent to and viewed by the borrower on [redacted]. However, the [redacted] LE was not located in the loan file. Please provide the missing LE for testing. Buyer Comment (2026-08-27): Please see attached Reviewer Comment (2026-08-26): The timing for the LE under § [redacted](iii) is [Redacted]business days from application. Initial LE issued [redacted] On this loan, the LE should have been issued within [redacted] business days of the application date of [redacted] Buyer Comment (2026-08-25): Please see attached. |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226167632 | [Redacted] | [Redacted] | 37333551 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the prepayment addendum to the note as the additional members did not sign. | Reviewer Comment (2026-09-10): Revalidated information from Prepayment addendum to the note. Exception Cleared. Buyer Comment (2026-09-08): [redacted] is the correct Prepayment note addendum. The other unsigned one is incorrect and you can disregard it. The other members are not required to sign the note or note addendum since they are not borrowers |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226167632 | [Redacted] | [Redacted] | 37333571 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The security instrument is missing page [redacted]. | Reviewer Comment (2026-09-10): Received Page [redacted] of Security Instrument. Exception Cleared. Buyer Comment (2026-09-08): page [Redacted] |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226167633 | [Redacted] | [Redacted] | 37310426 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-21): Sufficient Cure Provided At Closing |
08/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226169268 | [Redacted] | [Redacted] | 37314385 | 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. | [redacted]due to missing CPA letter or third-party verification for borrower's employer of "[redacted]". | Reviewer Comment (2026-09-04): Business narrative was completed by CPA. Expense factor meets expense ratio matrix. |
09/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226169268 | [Redacted] | [Redacted] | 37314388 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | [redacted] due to missing CPA letter or third-party verification for borrower's employer of "[redacted]". | Reviewer Comment (2026-09-04): Business narrative was completed by CPA. Expense factor meets expense ratio matrix. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226169268 | [Redacted] | [Redacted] | 37314389 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] due to missing CPA letter or third-party verification for borrower's employer of "[redacted] | Reviewer Comment (2026-09-04): Business narrative was completed by CPA. Expense factor meets expense ratio matrix. |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226169268 | [Redacted] | [Redacted] | 37314416 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[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 Changed Circumstance for this fee; no evidence of cure in file. | Reviewer Comment (2026-09-11): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-09-10): PCCD with cure, sent out today |
09/11/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226169268 | [Redacted] | [Redacted] | 37314417 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid Changed Circumstance for this fee; no evidence of cure in file. | Reviewer Comment (2026-09-03): Cured at closing or within [redacted] days of consummation prior to TPR review Buyer Comment (2026-09-02): See [redacted]page [redacted] for the final CD, the cure is at the bottom of page [redacted] |
09/03/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226169268 | [Redacted] | [Redacted] | 37314472 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance and Tax Verification are not provided for property "[redacted] | Reviewer Comment (2026-09-04): REO docs received. Buyer Comment (2026-09-03): T &I |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226169268 | [Redacted] | [Redacted] | 37314487 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing CPA letter or third-party verification for borrower's employer of "[redacted]. | Reviewer Comment (2026-09-04): Business narrative was completed by CPA. Expense factor meets expense ratio matrix. Buyer Comment (2026-09-02): CPA |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226169268 | [Redacted] | [Redacted] | 37314521 | 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. | [redacted] due to missing CPA letter or third-party verification for borrower's employer of "[redacted] | Reviewer Comment (2026-09-04): Business narrative was completed by CPA. Expense factor meets expense ratio matrix. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226169268 | [Redacted] | [Redacted] | 37314522 | 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.) | [redacted] due to missing CPA letter or third-party verification for borrower's employer of "[redacted]. | Reviewer Comment (2026-09-04): Business narrative was completed by CPA. Expense factor meets expense ratio matrix. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226169268 | [Redacted] | [Redacted] | 37314523 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Missing CPA letter or third-party verification for borrower's employer of "[redacted] | Reviewer Comment (2026-09-04): Business narrative was completed by CPA. Expense factor meets expense ratio matrix. |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226169329 | [Redacted] | [Redacted] | 37314613 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-08-24): Cured at closing or within [Redacted]days of consummation prior to TPR review |
08/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226169329 | [Redacted] | [Redacted] | 37314614 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Home Inspection Fee increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-08-27): [redacted] received Post CD and LOX. Buyer Comment (2026-08-26): a home inspection is an optional service for the borrower to get when they sign the contract to get a report on the condition of the home. Reviewer Comment (2026-08-26): [redacted] is unable to determine from the file whether the lender or title company requried the Home Inspection. If the lender required the Home Inspection fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Home Inspection Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2026-08-25): PCCD & LOX |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | |||||||||
| 226169329 | [Redacted] | [Redacted] | 37314615 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Administration Fee increased from $[redacted]to $[redacted], an increase of $[redacted], without a valid changed circumstance document in file. No cure provided. | Reviewer Comment (2026-08-26): [redacted] receied Post CD and LOX. Buyer Comment (2026-08-25): see uploaded |
08/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | |||||||||
| 226169329 | [Redacted] | [Redacted] | 37356879 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-08-26): Sufficient Cure Provided At Closing |
08/26/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226172736 | [Redacted] | [Redacted] | 37313315 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [redacted]days of closing must be provided. | Reviewer Comment (2026-09-04): VOE via email is already in file, Exception cleared. Buyer Comment (2026-09-03): please see the initial voe's on [redacted] & [redacted] Reviewer Comment (2026-09-01): Please provide a full/complete VVOE. Buyer Comment (2026-08-31): please see employer confirmation emails for both bwrs voe on [redacted] |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226172736 | [Redacted] | [Redacted] | 37313316 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. | Reviewer Comment (2026-09-04): VOE via email is already in file, Exception cleared. Buyer Comment (2026-09-03): please see the initial voe's on [redacted] & [redacted] Reviewer Comment (2026-09-01): Please provide a full/complete VVOE. Buyer Comment (2026-08-31): please see employer confirmation emails for both bwrs voe on [redacted] |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226172736 | [Redacted] | [Redacted] | 37313338 | 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. | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. | Reviewer Comment (2026-09-04): VOE via email is already in file, Exception cleared. Buyer Comment (2026-09-03): please see the initial voe's on [redacted] & [redacted] Reviewer Comment (2026-09-01): Please provide a full/complete VVOE. Buyer Comment (2026-08-31): please see employer confirmation emails for both bwrs voe on [redacted] |
09/04/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MI | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226172736 | [Redacted] | [Redacted] | 37313339 | 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. | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within [redacted] days of closing must be provided. | Reviewer Comment (2026-09-04): VOE via email is already in file, Exception cleared. Buyer Comment (2026-09-03): please see the initial voe's on [redacted] & [redacted] Reviewer Comment (2026-09-01): Please provide a full/complete VVOE. Buyer Comment (2026-08-31): please see employer confirmation emails for both bwrs voe on [redacted] |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226172736 | [Redacted] | [Redacted] | 37330021 | 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.) | VVOE was not completed within [redacted]business days. | Reviewer Comment (2026-09-04): VOE via email is already in file, Exception cleared. Buyer Comment (2026-09-03): please see the initial voe's on [redacted] & [redacted] Reviewer Comment (2026-09-01): Please provide a full/complete VVOE. Buyer Comment (2026-08-31): please see employer confirmation emails for both bwrs voe on [redacted] |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226172736 | [Redacted] | [Redacted] | 37330027 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VVOE was not completed within [redacted]business days. | Reviewer Comment (2026-09-04): VOE via email is already in file, Exception cleared. Buyer Comment (2026-09-03): please see the initial voe's on [redacted] & [redacted] Reviewer Comment (2026-09-01): Please provide a full/complete VVOE. Buyer Comment (2026-08-31): please see employer confirmation emails for both bwrs voe on [redacted] |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226178973 | [Redacted] | [Redacted] | 37321578 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing for REO property. | Reviewer Comment (2026-09-10): Document provided Buyer Comment (2026-09-08): please see VOM doc [redacted] with PITIA amount and states both taxes and hoi are included |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226178973 | [Redacted] | [Redacted] | 37321662 | Compliance | Compliance | State Compliance | State Defect | [redacted] | [redacted] Predatory Lending Database Program ([redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | Reviewer Comment (2026-09-09): Provided IL cert of Compliance Buyer Comment (2026-09-08): please see attached IL Cert of Compliance |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226178973 | [Redacted] | [Redacted] | 37321665 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[redacted]exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Attorney's Fee was not disclosed on LE but disclosed as $[redacted]on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-09-10): [redacted] received Post CD and LOX. Buyer Comment (2026-09-08): please see attached lox & pccd moving third party non apr attorney fee to section h |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | |||||||||
| 226178973 | [Redacted] | [Redacted] | 37330843 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-09): Provided e-sign agreement Buyer Comment (2026-09-08): please see attached econsent |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226179090 | [Redacted] | [Redacted] | 37321997 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure was not found in file. | Reviewer Comment (2026-08-31): Received ALTA Final Settlement Statement true and certified copy. Value updated and Exception Cleared. Buyer Comment (2026-08-27): please see attached alta |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226179101 | [Redacted] | [Redacted] | 37327478 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Appraisal report form 1004 is missing in file. | Reviewer Comment (2026-08-27): Received appraisal. Cleared. Seller Comment (2026-08-26): [redacted] Appraisal report |
08/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OK | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 226179101 | [Redacted] | [Redacted] | 37327574 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Rent schedule is missing on lease property | - | Form [redacted] or comparable rent schedule or short term rental documentation is missing in file. Unable to calculate DSCR. | Reviewer Comment (2026-08-27): Received appraisal. Cleared. Seller Comment (2026-08-26): Please see page [redacted] for the [redacted] rent schedule. |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | D | A | D | A | D | A | N/A | No | |||||||||||||
| 226179101 | [Redacted] | [Redacted] | 37327629 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Appraisal report form 1004 is missing in file. | Reviewer Comment (2026-08-27): Received appraisal. Cleared. Seller Comment (2026-08-26): [redacted] report |
08/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OK | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 226179101 | [Redacted] | [Redacted] | 37327635 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Appraisal report form 1004 is missing in file. | Reviewer Comment (2026-08-27): Received appraisal. Cleared. Seller Comment (2026-08-26): [redacted] report |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 226179101 | [Redacted] | [Redacted] | 37726936 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet CCM requirements. Variance is more than 0.10. | Reviewer Comment (2026-10-02): Client states to clear. Not a guideline issue. |
10/02/2026 | No | 1 | A | A | A | A | A | OK | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||||||||
| 226180380 | [Redacted] | [Redacted] | 37327440 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Appraisal Fee increased to $[redacted]without a valid change of circumstance; however, cure was provided to the borrower | Reviewer Comment (2026-08-24): Sufficient Cure Provided At Closing |
08/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226180380 | [Redacted] | [Redacted] | 37327441 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Credit Report Fee increased to $[redacted] without a valid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-08-24): Sufficient Cure Provided At Closing |
08/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226180618 | [Redacted] | [Redacted] | 37332577 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Blanket condo policy was not found in file. | Reviewer Comment (2026-09-02): Received Master policy. Exception cleared. Buyer Comment (2026-08-31): master |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226180618 | [Redacted] | [Redacted] | 37332658 | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. | Blanket condo policy was not found in file. | Reviewer Comment (2026-09-02): Received Master policy. Exception cleared. Buyer Comment (2026-08-31): HOI |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226182537 | [Redacted] | [Redacted] | 37341335 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | OFAC was not provided for "[redacted] | Reviewer Comment (2026-09-02): OFACs received for [redacted] " & "[redacted] cleared Buyer Comment (2026-09-01): OFAC |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226183224 | [Redacted] | [Redacted] | 37350271 | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. | Borrower is receiving total cash-out of $[redacted] on a purchase transaction. | Reviewer Comment (2026-09-08): Closing disclosure page [redacted]gift amount was not captured and result in the transaction error. Updated the page [redacted]of closing disclosure as per the document. Exception Cleared. Buyer Comment (2026-09-03): email confirming what cash back was for upld, please refer to section Section [redacted]of the guides. |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226183234 | [Redacted] | [Redacted] | 37348058 | 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. | [redacted] due to a third-party verification of employment for [redacted] [redacted] was not provided. | Reviewer Comment (2026-08-27): [Redacted]Party verification provided, exception cleared. Buyer Comment (2026-08-26): vvoe |
08/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226183234 | [Redacted] | [Redacted] | 37348059 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | A third-party verification of employment for [redacted], [redacted] was not provided. | Reviewer Comment (2026-08-27): [Redacted]Party verification provided, exception cleared. Buyer Comment (2026-08-26): see uploaded |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226183234 | [Redacted] | [Redacted] | 37348060 | 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.) | [redacted] due to a third-party verification of employment for[redacted], [redacted] was not provided. | Reviewer Comment (2026-08-27): [Redacted]Party verification provided, exception cleared. Buyer Comment (2026-08-26): see uploaded |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226183234 | [Redacted] | [Redacted] | 37348061 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] due to a third-party verification of employment for [redacted], [redacted] was not provided. | Reviewer Comment (2026-08-27): [Redacted]Party verification provided, exception cleared. |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226183234 | [Redacted] | [Redacted] | 37348062 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-08-25): Sufficient Cure Provided At Closing |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226183234 | [Redacted] | [Redacted] | 37348099 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [redacted] due to a third-party verification of employment for [redacted] , [redacted] was not provided. | Reviewer Comment (2026-08-27): [Redacted]Party verification provided, exception cleared. Buyer Comment (2026-08-26): see uploaded |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226183234 | [Redacted] | [Redacted] | 37348137 | 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. | [redacted] due to a third-party verification of employment for[redacted] [redacted] was not provided. | Reviewer Comment (2026-08-27): [Redacted]Party verification provided, exception cleared. Buyer Comment (2026-08-26): see uploaded |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226183234 | [Redacted] | [Redacted] | 37386356 | 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 (2026-08-27): [Redacted]Party verification provided, exception cleared. |
08/27/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226183300 | [Redacted] | [Redacted] | 37349255 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | No valid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-25): Sufficient Cure Provided At Closing |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226183300 | [Redacted] | [Redacted] | 37349256 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | No valid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-25): Sufficient Cure Provided At Closing |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226183300 | [Redacted] | [Redacted] | 37349257 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | No valid Change of Circumstance was provided, nor was evidence of cure found in the file. | Reviewer Comment (2026-08-25): Sufficient Cure Provided At Closing |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226183303 | [Redacted] | [Redacted] | 37348434 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted]on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-09-02): [redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-09-01): please cancel, this was cured on the final closing cd, section j. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | 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 | |||||||||
| 226183303 | [Redacted] | [Redacted] | 37440668 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-02): Sufficient Cure Provided At Closing |
09/02/2026 | No | 1 | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226183304 | [Redacted] | [Redacted] | 37350065 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Preliminary title policy amount not provided. | Reviewer Comment (2026-09-11): Title policy amount updated. Exception cleared. Buyer Comment (2026-09-09): The Title supplement showing the loan amount was found in [redacted] . |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226183304 | [Redacted] | [Redacted] | 37350076 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | Award letter document date not provided. | Reviewer Comment (2026-09-11): Document date updated from Award letter. Exception cleared. Buyer Comment (2026-09-09): The SSA/COLA award statement ([redacted] ) shows that the income listed is for the year [redacted](beginning [redacted]. It is not required to have a specific date if it identifies what period it is for. Statements are only issued annually unless there is a significant change (i.e. death of a beneficiary) In addition, [redacted] 1099 was provided along with current bank statement showing receipt of the benefit. |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226183304 | [Redacted] | [Redacted] | 37350084 | 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. | Award letter document date not provided. | Reviewer Comment (2026-09-11): Document date updated from Award letter. Exception cleared. Buyer Comment (2026-09-09): The SSA/COLA award statement ([redacted]) shows that the income listed is for the year [redacted](beginning [redacted]). It is not required to have a specific date if it identifies what period it is for. Statements are only issued annually unless there is a significant change (i.e. death of a beneficiary) In addition, [redacted]1099 was provided along with current bank statement showing receipt of the benefit. |
09/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | HI | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226183304 | [Redacted] | [Redacted] | 37350085 | 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. | Award letter document date not provided. | Reviewer Comment (2026-09-11): Document date updated from Award letter. Exception cleared. Buyer Comment (2026-09-09): The SSA/COLA award statement ([redacted]) shows that the income listed is for the year [redacted](beginning [redacted]). It is not required to have a specific date if it identifies what period it is for. Statements are only issued annually unless there is a significant change (i.e. death of a beneficiary) In addition, [redacted]1099 was provided along with current bank statement showing receipt of the benefit. |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226183308 | [Redacted] | [Redacted] | 37328214 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Please override. Details not required for member. | Reviewer Comment (2026-08-27): Date of Birth not required for managing members. Exception cleared Buyer Comment (2026-08-25): Please clear condition. This is not required for members. |
08/27/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||
| 226183481 | [Redacted] | [Redacted] | 37349490 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Consent date is pending on provided e-consent agreement document. | Reviewer Comment (2026-09-01): E-sign consent document associated. Exception Cleared. Buyer Comment (2026-08-28): proof econsent accepted upld |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226183481 | [Redacted] | [Redacted] | 37349729 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-09-04): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-03): pccd docs upld |
09/04/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | 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 | |||||||||
| 226184953 | [Redacted] | [Redacted] | 37354856 | Compliance | Compliance | State Compliance | State Defect | [redacted] Subtitle [redacted] Interest and Usury Prepayment Penalty ([redacted] ) - Permissive Method | [redacted]Subtitle [redacted] Interest and Usury Prepayment Penalty (Prior to [redacted] ): Alternate prepayment penalty testing methodology utilized under §[redacted] allowing prepays over prescribed limits (greater than [redacted]months or [redacted] months' advanced interest on prepayment in excess of[redacted]/ of original loan amount) to be treated as interest, with amounts under the limit not as interest. Alternate testing was deemed acceptable by [redacted]outside counsel given the ambiguity in the state law. | Buyer Comment (2026-09-14): this exception is informational only. [redacted]to Waive Reviewer Comment (2026-09-14): The exception should not be cleared. It is cited due to the deal setting being used by the client. It is not intended to be a failure exception but rather an informational exception to note the option being used for [Redacted]prepay testing. Client can refer to external Client Compliance Bulletin [redacted]- where this setting (and its accompanying exception) was previously communicated. Client can waive if they wish. Reviewer Comment (2026-09-14): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-09-10): Clarity: Please provide clarification as to what is needed. |
09/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 226184954 | [Redacted] | [Redacted] | 37359264 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted]month cash flow analysis for each business account used. | Reviewer Comment (2026-09-10): Cash Flow Analysis associated, Exception Cleared. Buyer Comment (2026-09-08): Please see attached Cash Flow Analysis |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226184962 | [Redacted] | [Redacted] | 37352799 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate resolution was not found in file. | Reviewer Comment (2026-09-08): Received Corporate Resolution is verified and associated, exception cleared. Buyer Comment (2026-09-04): Please see attached. |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| 226184962 | [Redacted] | [Redacted] | 37352854 | Compliance | Compliance | State Compliance | State Defect | [redacted] Prepayment Penalty - Non 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] Prepay language states prepay will not exceed maximum permitted by applicable law. | Buyer Comment (2026-09-04): Please waive per KW |
09/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| 226184964 | [Redacted] | [Redacted] | 37356016 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] % tolerance was exceeded by $[redacted] due to an increase in the recording fee. No valid Change of Circumstance or evidence of cure was found in the file. | Reviewer Comment (2026-09-10): Cured at closing or within [Redacted]days of consummation prior to TPR review Buyer Comment (2026-09-09): Please see Final CD that already reflects a lender credit for $[redacted]to cure this violation. |
09/10/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | UT | 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 | |||||||||
| 226184964 | [Redacted] | [Redacted] | 37356017 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was last disclosed as $[redacted] on the Loan Estimate but disclosed as $[redacted]on the Final Closing Disclosure. No valid Changed Circumstance for this fee or evidence of cure was found in the file. | Reviewer Comment (2026-09-25): [Redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-23): Please see attached Cure Check, PCCD, Cover Letter and proof [redacted] delivered. |
09/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | 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 | |||||||||
| 226184966 | [Redacted] | [Redacted] | 37352643 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for non-warrantable condo due to outstanding critical repairs is approved. Per disposition, [redacted] applies for [redacted] , subject to meeting all other signature expanded guidelines. | 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 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. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-08-25): Lender Exception with Compensating Factors provided. Downgraded and Waived. |
08/25/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226184966 | [Redacted] | [Redacted] | 37353282 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Documentation to verify a [redacted] -month housing history is not located in the file. | Reviewer Comment (2026-09-18): Received clarification/approval/documentation from lender. Condition cleared. Rental history is at the discretion of the underwriter. Buyer Comment (2026-09-15): the payment hist is not required, it's at the underwriter's discretion, see guides [redacted]. Reviewer Comment (2026-09-04): As per guides we require verification of rent document. Exception remains. Buyer Comment (2026-09-03): please see section [redacted]of guides, vor not required, ltv is [redacted] % |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226184966 | [Redacted] | [Redacted] | 37353714 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Verified reserves of [redacted] months is less than Guideline requirement of [redacted] . | Reviewer Comment (2026-09-18): Received lender exception for [redacted]mo reserves vs [redacted]mo. Cleared. Buyer Comment (2026-09-17): exception aprvl upld Reviewer Comment (2026-09-04): We have used [redacted] % of [redacted](K) account however, total qualifying assets provided is $[redacted]and required cash from borrower is $[redacted]. Guidelines requires [redacted]months of reserves, however only [redacted]month reserves is available. Exception remains. Buyer Comment (2026-09-03): please see [redacted]statement on [redacted], we are using $[redacted]which is [redacted] % of the total, this statement along with other statements in file provides sufficient reserves |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226184966 | [Redacted] | [Redacted] | 37353718 | 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 (2026-09-18): Received lender exception for [redacted]mo reserves vs [redacted]mo. Cleared. Buyer Comment (2026-09-17): exception aprvl upld to trl docs Reviewer Comment (2026-09-04): We have used [redacted]% of [redacted](K) account however, total qualifying assets provided is $[redacted]and required cash from borrower is $[redacted]. Guidelines requires [redacted]months of reserves, however only [redacted]. month reserves is available. Exception remains. Buyer Comment (2026-09-03): please see [redacted]statement on [redacted]we are using $[redacted]which is [redacted]% of the total, this statement along with other statements in file provides sufficient reserves |
09/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226184966 | [Redacted] | [Redacted] | 37353719 | 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. | [redacted] due to verified reserves of [redacted] months is less than Guideline requirement of [redacted] | Reviewer Comment (2026-09-18): Received lender exception for [redacted]mo reserves vs [redacted]mo. Cleared. Buyer Comment (2026-09-17): exception aprvl upld to trl docs Reviewer Comment (2026-09-04): We have used [redacted]% of [redacted](K) account however, total qualifying assets provided is $[redacted]and required cash from borrower is $[redacted]. Guidelines requires 3 months of reserves, however only [redacted]month reserves is available. Exception remains. Buyer Comment (2026-09-03): please see [redacted] statement on [redacted], we are using $[redacted]which is [redacted]% of the total, this statement along with other statements in file provides sufficient reserves |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226184966 | [Redacted] | [Redacted] | 37597514 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Received lender exception approval for [redacted] mo reserves vs [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. Borrowers made a down payment from their own funds on this purchase transaction of at least [redacted]% and $[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. |
DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-18): Client elects to waive with compensating factors. |
09/18/2026 | Yes | 2 | B | B | B | B | B | MA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 226184978 | [Redacted] | [Redacted] | 37357237 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Data Discrepancy with DTI. Lender DTI [redacted] %, Review DTI [redacted] %. The reason for the discrepancy is 1008 has Primary PITI as $[redacted] , however based on the CD from the finance of the Primary residence the PITI is $[redacted] . | Reviewer Comment (2026-09-15): Received updated 1003 and HOA document and DTI is matching. Exception cleared. Buyer Comment (2026-09-11): Please see corrected 1008/1003. In addition I have provided the appraisal for the Primary residence to show HOA dues are [redacted]/mo |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226184994 | [Redacted] | [Redacted] | 37346871 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception request for [redacted] % LTV is approved. | 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. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC Originator,SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-08-25): Client elects to waive with compensating factors. |
08/25/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 226185185 | [Redacted] | [Redacted] | 37358332 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was not disclosed on LE but disclosed as $[redacted] on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-08-28): [redacted]received valid changed circumstances. Seller Comment (2026-08-27): Please see Changed Circumstance Summary for Disc Pt increase to [redacted]% [redacted] |
08/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | 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 | |||||||||
| 226185185 | [Redacted] | [Redacted] | 37358335 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer tax was not disclosed on LE but disclosed as $[redacted] on Final closing disclosure. No cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-09-01): [Redacted]received PCCD, LOE and payment history for principal reduction of cure. Seller Comment (2026-08-31): Please see attached PCCD, LOE, and PAY History from servicing showing [redacted]PR applied. Thank yo Seller Comment (2026-08-31): Please see attached PCCD, LOE, and PAY History from servicing showing [redacted] PR applied. Thank yo Reviewer Comment (2026-08-28): [redacted] : The COC that was provided in the trailing images was also provided in the original loan package. However, this does not sufficiently explain the reason for the fee added. Please provide supporting documentation or a detailed explanation to substantiate the addition of the transfer taxes fee added. Seller Comment (2026-08-27): Please see Change Circumstance Summary dated for [redacted] and [redacted] for Transfer Tax, Appraisal fee and Discount pts of [redacted] |
09/01/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IN | 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 | |||||||||
| 226185273 | [Redacted] | [Redacted] | 37357948 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-09-15): Received hazard insurance policy. Exception cleared. Buyer Comment (2026-09-11): Please see attached HOI policy |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226185273 | [Redacted] | [Redacted] | 37357950 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-11): Received e-sign consent. Exception cleared. Buyer Comment (2026-09-09): Please see attached Acceptance of eConsent |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226185273 | [Redacted] | [Redacted] | 37569443 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Insurance effective date [redacted] is after the closing and loan disbursement [redacted] | Reviewer Comment (2026-09-18): Revised HOI received. Buyer Comment (2026-09-17): Please see attached revised HOI showing effective date of [redacted] |
09/18/2026 | No | 1 | A | A | A | A | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226185339 | [Redacted] | [Redacted] | 37356643 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Lender provided sufficient cure at closing for the Credit Report Fee increase of $[redacted] . | Reviewer Comment (2026-08-26): Sufficient Cure Provided At Closing |
08/26/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226185344 | [Redacted] | [Redacted] | 37353243 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. | Reviewer Comment (2026-08-25): Sufficient Cure Provided At Closing |
08/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226185563 | [Redacted] | [Redacted] | 37352975 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted] ) business days of application. | Initial LE was dated and signed by borrower on [redacted] . However, the application date is shown as [redacted] | Reviewer Comment (2026-09-01): [redacted] received initial LE. Buyer Comment (2026-08-31): TRID |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226186525 | [Redacted] | [Redacted] | 37349929 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-[redacted] Citizen Status not provided | The file was missing a copy of Verification of [redacted] | Reviewer Comment (2026-09-11): ITIN confirmation received. Buyer Comment (2026-09-09): ITIN |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226186525 | [Redacted] | [Redacted] | 37350791 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Per lender guides, the following is required for use of business accounts: A CPA letter indicating the use of business funds will not affect business operations or a recent [redacted] month cash flow analysis for each business account used. | Reviewer Comment (2026-09-11): CPA letter received confirming [redacted]% ownership. Buyer Comment (2026-09-09): CPA Letter |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226186525 | [Redacted] | [Redacted] | 37350965 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. | Reviewer Comment (2026-09-17): [Redacted]received PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-09-15): PCCD with cure, sent out today |
09/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | 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 | |||||||||
| 226189867 | [Redacted] | [Redacted] | 37375430 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | 1007 Rent Comparable was not provided in 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 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] Guideline Requirement: [Redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-10): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-09-10): Lender exception approval provided to waive [redacted]and allow [redacted] in lieu. Buyer Comment (2026-09-08): Exception |
09/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| 226189867 | [Redacted] | [Redacted] | 37382306 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: 1003 Final not provided | File is missing the final 1003 for the primary borrower. | Reviewer Comment (2026-09-04): Final [redacted]provided for the primary borrower. Exception cleared. Buyer Comment (2026-09-02): Page [Redacted]has the [Redacted]borrowers final 1003 |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| 226189867 | [Redacted] | [Redacted] | 37520127 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender excepiton approval provided to allow sinkhole deductible of [redacted]. FNMA max 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] . 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] Guideline Requirement: [Redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-10): Client elects to downgrade and waive with compensating factors. |
09/10/2026 | Yes | 2 | B | B | B | B | B | FL | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| 226190725 | [Redacted] | [Redacted] | 37374214 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | File is missing a third party verification for the borrower's business dated within [redacted] days prior to the note date verifying the borrower's dates of employment and good standing. The business license provided does not have a current date and the CPA letter does not provide the borrower's dates of operation. | Reviewer Comment (2026-09-18): Received [Redacted]-party verification with the system-uploaded date. CPA letter and Articles of Organization are present in the file and contain the required business verification details. Exception cleared. Buyer Comment (2026-09-17): Please see Business search record in [redacted] showing date the business was incorporated as [redacted] which is supported by Certification of Formation in [redacted] showing the same date of [redacted] . The Business search website does not print headers and footers showing search date however I have provided a screen shot showing the date it was searched and uploaded to our document system. ([redacted]) |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226190725 | [Redacted] | [Redacted] | 37374241 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a third party verification for the borrower's business dated within [redacted] days prior to the note date verifying the borrower's dates of employment and good standing. The business license provided does not have a current date and the CPA letter does not provide the borrower's dates of operation. | Reviewer Comment (2026-09-18): Received [Redacted]-party verification with the system-uploaded date. CPA letter and Articles of Organization are present in the file and contain the required business verification details. Exception cleared. Buyer Comment (2026-09-17): Please see Business search record in [redacted] showing date the business was incorporated as [redacted] which is supported by Certification of Formation in [redacted]showing the same date of [redacted] . The Business search website does not print headers and footers showing search date however I have provided a screen shot showing the date it was searched and uploaded to our document system. ([redacted]) |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226190725 | [Redacted] | [Redacted] | 37374246 | 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. | File is missing a third party verification for the borrower's business dated within [redacted] days prior to the note date verifying the borrower's dates of employment and good standing. The business license provided does not have a current date and the CPA letter does not provide the borrower's dates of operation. | Reviewer Comment (2026-09-18): Received [Redacted]-party verification with the system-uploaded date. CPA letter and Articles of Organization are present in the file and contain the required business verification details. Exception cleared. Buyer Comment (2026-09-17): Please see Business search record in [redacted] showing date the business was incorporated as [redacted] which is supported by Certification of Formation in [redacted] showing the same date of [redacted] The Business search website does not print headers and footers showing search date however I have provided a screen shot showing the date it was searched and uploaded to our document system. ([redacted]) |
09/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226190725 | [Redacted] | [Redacted] | 37374247 | 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. | File is missing a third party verification for the borrower's business dated within [redacted] days prior to the note date verifying the borrower's dates of employment and good standing. The business license provided does not have a current date and the CPA letter does not provide the borrower's dates of operation. | Reviewer Comment (2026-09-18): Received [Redacted]-party verification with the system-uploaded date. CPA letter and Articles of Organization are present in the file and contain the required business verification details. Exception cleared. Buyer Comment (2026-09-17): Please see Business search record in [redacted] showing date the business was incorporated as [redacted] which is supported by Certification of Formation in [redacted] showing the same date of [redacted]. The Business search website does not print headers and footers showing search date however I have provided a screen shot showing the date it was searched and uploaded to our document system. ([redacted] ) |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226190725 | [Redacted] | [Redacted] | 37374248 | 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.) | File is missing a third party verification for the borrower's business dated within [redacted] days prior to the note date verifying the borrower's dates of employment and good standing. The business license provided does not have a current date and the CPA letter does not provide the borrower's dates of operation. | Reviewer Comment (2026-09-18): Received [Redacted]-party verification with the system-uploaded date. CPA letter and Articles of Organization are present in the file and contain the required business verification details. Exception cleared. Buyer Comment (2026-09-17): Please see Business search record in [redacted] showing date the business was incorporated as [redacted] which is supported by Certification of Formation in [redacted] showing the same date of [redacted]. The Business search website does not print headers and footers showing search date however I have provided a screen shot showing the date it was searched and uploaded to our document system. ([redacted] ) |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226193996 | [Redacted] | [Redacted] | 37357611 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy was not found in file. | Reviewer Comment (2026-08-27): HOI provided, exception cleared. Buyer Comment (2026-08-27): HOI |
08/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226194607 | [Redacted] | [Redacted] | 37361868 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Reviewer Comment (2026-09-03): Patriot Act Information form located in the file. Exception cleared. Buyer Comment (2026-09-01): please see patriot act forms on [redacted]& [redacted] |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226194611 | [Redacted] | [Redacted] | 37384005 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address is required and must be signed by all members, however this is missing from the file. | Reviewer Comment (2026-09-04): Unanimous Consent & Resolution, cleared Buyer Comment (2026-09-04): Please see attached |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226194613 | [Redacted] | [Redacted] | 37373764 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Reviewer Comment (2026-09-04): OFACs for these two individuals, cleared Buyer Comment (2026-09-04): OFAC |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226194613 | [Redacted] | [Redacted] | 37380690 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Subject is a refinance transaction and the current vested owners on title is [redacted] , not the borrowing entity [redacted] . Please provide evidence that [redacted] has an ownership interest in subject in order to verify continuous ownership . | Reviewer Comment (2026-09-14): Received deed indicating borrowing entity has ownership interest in the property. Exception cleared Buyer Comment (2026-09-10): Warranty Deed |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226194614 | [Redacted] | [Redacted] | 37365864 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Reviewer Comment (2026-09-15): Received 1004 appraisal report. Exception cleared. Buyer Comment (2026-09-11): please see attached appraisal |
09/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | |||||||||||||||
| 226194614 | [Redacted] | [Redacted] | 37365915 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [redacted] | Reviewer Comment (2026-09-15): Received 1004 appraisal report. Exception cleared. |
09/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | |||||||||||||||
| 226194614 | [Redacted] | [Redacted] | 37373777 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Subject is a refinance transaction and the current vested owners on title are [redacted] not the borrowing entity, [redacted] . Please provide evidence that [redacted] has an ownership interest in subject in order to verify continuous ownership. | Reviewer Comment (2026-09-15): Received general warranty deed transferring subject ownership from [Redacted] to [Redacted]. Exception cleared. Buyer Comment (2026-09-11): please see attached warranty deed |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | D | A | D | A | D | A | N/A | No | ||||||||||||||
| 226194619 | [Redacted] | [Redacted] | 37377111 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-09-11): E-sign Consent Agreement received. Exception cleared. Buyer Comment (2026-09-09): please see attached econsent |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226194619 | [Redacted] | [Redacted] | 37377135 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $ [redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Fee was disclosed on initial Loan Estimate as $[redacted] but disclosed on final Closing Disclosure as $[redact ed]. File does not contain a valid Change of Circumstance for this fee, nor is evidence of cure provided in the file. | Reviewer Comment (2026-09-10): [redacted] received valid rebuttal comment and supporting rate lock document for the program changed to increase in the discount point fee. Buyer Comment (2026-09-09): Please see attached prior[redacted] and [redacted] locks. Discount points increased from [redacted] % $[redacted]on[redacted] LE to [redacted]% $[redacted] on[redacted] ICD due to changes in pricing and profile |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226194619 | [Redacted] | [Redacted] | 37380493 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request, but the nature of the exception is missing from the file. Property Non-warrantable Condo Exception request regarding construction phasing and presale. The project has currently been identified as non-warrantable due to construction phasing and not meeting presale. Master deed legally declared all [redacted] units in a single phase. | 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 guideline required amount by the equivalent of [redacted] months PITIA or more. 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. |
Borrower has been employed in the same industry for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-11): Client elects to downgrade and waive with compensating factors. Buyer Comment (2026-09-09): lender exception uploaded is split out in your system: doc [redacted] is page [redacted] and doc [redacted] are pages [redacted] Reviewer Comment (2026-08-27): Unable to waive and downgrade missing all pages of lender exception |
09/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MI | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226194620 | [Redacted] | [Redacted] | 37383751 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | CD for Bridge Loan was not found in the file. | Reviewer Comment (2026-09-04): Bridge Loan closing disclosure received. Exception cleared. Buyer Comment (2026-09-03): please disregard previous cd upld, bridge cd [redacted] #[redacted] upld Buyer Comment (2026-09-03): bridge cd upld |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226194620 | [Redacted] | [Redacted] | 37383761 | 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.) | CD for Bridge Loan was not found in the file. | Reviewer Comment (2026-09-04): Bridge Loan closing disclosure received. Exception cleared. Buyer Comment (2026-09-03): please disregard previous cd upld, bridge cd [redacted] #[redacted] upld Buyer Comment (2026-09-03): bridge cd upld to trl docs |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226194620 | [Redacted] | [Redacted] | 37383783 | 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. | [redacted] due to missing asset documentation. | Reviewer Comment (2026-09-09): Cleared. Supporting documentation provided to exclude departing residence. Buyer Comment (2026-09-04): bpo and exception aprvl upld to trl docs, listing agreement is on [redacted] Reviewer Comment (2026-09-04): Departing residence #[redacted] Watersail Way has been omitted from the DTI calculation, as per guideline listing agreement & valuation of the property is required to verify. Exception remains. Buyer Comment (2026-09-03): please disregard previous cd upld, bridge cd [redacted] #[redacted] upld Buyer Comment (2026-09-03): bridge cd upld to trl docs |
09/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226194620 | [Redacted] | [Redacted] | 37383784 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee disclosed 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 the file. | Reviewer Comment (2026-09-09): [redacted]received a valid COC. Buyer Comment (2026-09-08): the pricing conformation was uploaded, please see [redacted] Reviewer Comment (2026-09-04): [redacted] received rebuttal comment. However, [redacted] also required supporting pricing document for review and to provide supporting information on when lender become aware of the pricing changed or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Buyer Comment (2026-09-03): pricing confirm upld, pricing changed[redacted] , the le is on [redacted] , the coc is on [redacted] (the date on the coc is incorrect and should be[redacted] ), |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | 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 | |||||||||
| 226194620 | [Redacted] | [Redacted] | 37383785 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. | Reviewer Comment (2026-09-09): [redacted]received a valid COC. Buyer Comment (2026-09-08): initial pricing confirm upld showing program was [redacted]- Signature Agency Conforming [redacted]Year Fixed *BestEfforts Buyer Comment (2026-09-08): initial pricing confirm showing program was [redacted] - Signature Agency Conforming [Redacted]Year Fixed *BestEfforts Reviewer Comment (2026-09-04): [redacted]received valid rebuttal comment. However, [redacted] also required supporting document to review for the program changed and to provide supporting information on when lender become aware of the changes or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Buyer Comment (2026-09-03): please cancel, the program changed from the initial le to the [redacted] le (the coc is on [redacted] (the date on the coc is incorrect and should be [redacted] ), the initial program [redacted] - Signature Agency Conforming [redacted] Year Fixed *BestEfforts did not require an aprsl review. |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | 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 | |||||||||
| 226194620 | [Redacted] | [Redacted] | 37383802 | 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. | CD for Bridge Loan was not found in the file. | Reviewer Comment (2026-09-09): Cleared. Supporting documentation provided to exclude departing residence. Buyer Comment (2026-09-04): bpo and exception aprvl upld to trl docs, listing agreement is on [redacted] Reviewer Comment (2026-09-04): Departing residence #[redacted] Watersail Way has been omitted from the DTI calculation, as per guideline listing agreement & valuation of the property is required to verify. Exception remains. Buyer Comment (2026-09-03): please disregard previous cd upld, bridge cd [redacted] #[redacted] upld Buyer Comment (2026-09-03): bridge cd upld to trl docs |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226194620 | [Redacted] | [Redacted] | 37384327 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | CD was not found in the file for the Bridge Loan originated on the departing residence. | Reviewer Comment (2026-09-04): Bridge Loan closing disclosure received. Exception cleared. Buyer Comment (2026-09-03): please disregard previous cd upld, bridge cd [redacted] #[redacted] upld Buyer Comment (2026-09-03): bridge cd upld to trl docs |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226194620 | [Redacted] | [Redacted] | 37385611 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Lender 1003 does not include all departing residence costs. Ineligible for excluding from DTI due to missing valuation. | Reviewer Comment (2026-09-09): Cleared. Supporting documentation provided to exclude departing residence. Buyer Comment (2026-09-04): bpo and exception aprvl upld, listing agreement is on [redacted] Reviewer Comment (2026-09-04): Departing residence #[redacted] Watersail Way has been omitted from the DTI calculation, as per guideline listing agreement & valuation of the property is required to verify. Exception remains. Buyer Comment (2026-09-03): please clarify what you are seeing as missing |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226194621 | [Redacted] | [Redacted] | 37377017 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | [redacted] Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. | Borrower did not receive disclosure on responsibility for payment of taxes and insurance. | Reviewer Comment (2026-09-17): Revalidated with the Escrow Waiver for HOI document. Exception cleared. Buyer Comment (2026-09-15): please see escrow waiver doc [redacted]for waiver of hoi on final cd |
09/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226194621 | [Redacted] | [Redacted] | 37377018 | 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 [redacted] ([redacted] ) 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. | Loan Estimate not delivered to Borrower(s) within [redacted] ([redacted] ) business days of application. | Reviewer Comment (2026-09-16): [redacted]received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted] Buyer Comment (2026-09-15): please see attached econsent |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226194621 | [Redacted] | [Redacted] | 37377796 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | As per 1008, lender debt is $[redacted]; however, as per calculation, debt is $[redacted], and the difference is $[redacted] , due to which DTI variance is more than [redacted] | Reviewer Comment (2026-09-17): Received updated [redacted]and [redacted]; information has been updated accordingly. Exception cleared. Buyer Comment (2026-09-15): Please see revised 1008 removing duplicate [redacted]housing payment for the CoBorr It appears you are not including that property at all. Please see docs [redacted]and [redacted]pages [redacted], [redacted]& [redacted]for Co Borr's second home at [redacted] That property is owned free and clear and Debt service = $[redacted]/mo. revised co borr 1003 also attached. DTI now [redacted] |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226194621 | [Redacted] | [Redacted] | 37377833 | 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. | As per 1008, lender debt is $[redacted]; however, as per calculation, debt is $[redacted], and the difference is $[redacted] , due to which DTI variance is more than [redacted] | Reviewer Comment (2026-09-17): Received updated [redacted]and [redacted]; information has been updated accordingly. Exception cleared. |
09/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226194621 | [Redacted] | [Redacted] | 37377834 | 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. | As per 1008, lender debt is $[redacted]; however, as per calculation, debt is $[redacted], and the difference is $[redacted] , due to which DTI variance is more than [redacted] | Reviewer Comment (2026-09-17): Received updated [redacted]and [redacted]; information has been updated accordingly. Exception cleared. |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226194623 | [Redacted] | [Redacted] | 37381792 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [ redacted]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 $[redacted] disclosed on initial LE, but $[redacted] was disclosed on Closing Disclosure. Sufficient cure was not provided on file. | Reviewer Comment (2026-09-02): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-08-31): See page [redacted][redacted] section [redacted]. Already cured at closing. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | |||||||||
| 226194623 | [Redacted] | [Redacted] | 37381793 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [ redacted]Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Attorney Review Fee was not disclosed on initial LE, but $[redacted] was disclosed on Closing Disclosure. Sufficient cure was not provided on file. | Reviewer Comment (2026-09-02): [redacted]received PCCD and LOE Buyer Comment (2026-08-31): PCCD LOX |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | |||||||||
| 226194623 | [Redacted] | [Redacted] | 37435910 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 at closing | Reviewer Comment (2026-09-02): Sufficient Cure Provided At Closing |
09/02/2026 | No | 1 | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226194624 | [Redacted] | [Redacted] | 37378126 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence Investor Qualifying Total Debt Ratio: ___; Bid Tape Investor Qualifying Total Debt Ratio: ___. |
Lender DTI on 1008 is [redacted] %, however Lender used second home payment as a subordinate lien on Primary residence. Tape Field Value is higher than noted on 1008. | Reviewer Comment (2026-09-09): Updated 1008 provided Reviewer Comment (2026-09-09): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Diligence Investor Qualifying Total Debt Ratio: [redacted]%; Bid Tape Investor Qualifying Total Debt Ratio: [redacted]%. Buyer Comment (2026-09-04): Please see updated [redacted]/[redacted] |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226194624 | [Redacted] | [Redacted] | 37378127 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Reviewer Comment (2026-09-09): Document provided Buyer Comment (2026-09-04): Operating Agreement Buyer Comment (2026-09-04): Please see attached Operating Agreement in addition I have included the Cert of Good Standing as I did not see that in Acuity |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226194624 | [Redacted] | [Redacted] | 37382363 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Articles of Organization for [redacted] were not found in the file. | Reviewer Comment (2026-09-09): Document provided Buyer Comment (2026-09-04): Please see attached Articles of Organization |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226194624 | [Redacted] | [Redacted] | 37382366 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution for [redacted] were not found in the file. | Reviewer Comment (2026-09-09): Document provideed Buyer Comment (2026-09-04): Please see attached Corporate Resolution/ Unanimous Consent |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226194624 | [Redacted] | [Redacted] | 37385019 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | ___ | Missing Mortgage statements | Reviewer Comment (2026-09-09): Cleared. Received lender attestation for using most conservative amount per CBR and adding tax and insurance to property expense. Buyer Comment (2026-09-09): Please see the attached attestation. Borrower stated that the mortgage payment on this property does not include tax and insurance. Since borrower not able to provide the document required to confirm we are using the most conservative approach by including the tax and insurance as non-escrowed, this approach also aligns with borrower's statement of escrows not being included. Reviewer Comment (2026-09-09): Missing Mortgage statement for [redacted], Unable to use [redacted]as it doesnt state if payment is escrowed or not Reviewer Comment (2026-09-09): EXCEPTION HISTORY - Exception Detail was updated on [redacted] PRIOR Exception Detail: Address: [redacted], Address: [redacted]Address: [redacted], Address: [redacted], Address: [redacted], Address: [redacted] Address: [redacted] Reviewer Comment (2026-09-09): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Statement, Statement Statement Insurance Verification, Statement, Tax Verification Insurance Verification, Statement, Tax Verification Insurance Verification, Statement, Tax Verification Statement Insurance Verification, Statement, Tax Verification Buyer Comment (2026-09-04): Per your request verbatim: "Statement, Statement Statement Insurance Verification, Statement, Tax Verification Insurance Verification, Statement, Tax Verification Insurance Verification, Statement, Tax Verification Statement Insurance Verification, Statement, Tax Verification" are all found within Acuity. Although some of the mortgage statements are not within [redacted]days of note date the statements are provided only to verify if the tax and insurance obligations are included in the payment and the credit report is relied upon for updated payments within the required timeframe. [redacted] [redacted]HELOC [redacted], HOI [redacted], Tax [redacted](missing Statement for [redacted]) Please use credit report payment as escrows are not included and tax and insurance have been separately verified. HOI [redacted]; Tax [redacted][redacted]/[redacted]have been updated with accurate payments. Per guidelines use of credit report is acceptable to rely on qualifying debt. Statements are only required to verify if tax and insurance are escrowed, which they are not. [redacted] -Mortgage statement in [redacted]and on credit report, Tax - [redacted], HOI - [redacted], HOA - [redacted]. Per guidelines use of credit report is acceptable to rely on qualifying debt. Statements are only required to verify if tax and insurance are escrowed, which they are not and can be seen on the statement in [redacted]. 1008/1003 have been updated [redacted], Mortgage statement is found in [redacted]& [redacted]which confirms tax and insurance are escrowed. Payment and loan balance from credit report as most current and within [redacted]days of note date. [redacted]Mortgage statement provided in [redacted]which confirms tax and insurance escrowed. Payment and loan balance from credit report as most current and within [redacted]days of note date. [redacted]Mortgage statement provided in [redacted]which confirms tax and insurance escrowed. Payment and loan balance from credit report as most current and within [redacted]days of note date. [redacted]Mortgage statement found in [redacted]. which confirms tax and insurance escrowed. Payment and loan balance from credit report as most current and within [redacted]days of note date. In addition the new loan information for the [redacted]loan [redacted]is found on the CD in [redacted] [redacted] Mortgage statement found in [redacted]. which confirms tax and insurance escrowed. Payment and loan balance from credit report as most current and within [redacted]days of note date. |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226194628 | [Redacted] | [Redacted] | 37383525 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI exceeds due to tax amount updated as per tax certificate. Diligence Investor Qualifying Total Debt Ratio: [redacted] %. Bid Tape Investor Qualifying Total Debt Ratio: [redacted] %. | Reviewer Comment (2026-09-08): Bid tape DTI corrected. Exception cleared. Buyer Comment (2026-09-04): bid tape has been updated Reviewer Comment (2026-08-27): Received updated 1008. The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted]% however due diligence is [redacted]%. An updated Bid tape for the DTI is required. Buyer Comment (2026-08-27): 1008 & 1003 |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226194628 | [Redacted] | [Redacted] | 37383627 | 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. | DTI exceeds due to tax amount updated as per tax certificate, which is higher than the bid data. | Reviewer Comment (2026-09-08): Bid tape DTI corrected. Exception cleared. Buyer Comment (2026-09-04): bid tape has been updated Reviewer Comment (2026-08-27): Received updated 1008. The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted]% however due diligence is [redacted]%. An updated Bid tape for the DTI is required. Buyer Comment (2026-08-27): see uploaded |
09/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IL | 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 | |||||||||
| 226194628 | [Redacted] | [Redacted] | 37383628 | 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. | DTI exceeds due to tax amount updated as per tax certificate, which is higher than the bid data. | Reviewer Comment (2026-09-08): Bid tape DTI corrected. Exception cleared. Buyer Comment (2026-09-04): bid tape has been updated Reviewer Comment (2026-08-27): Received updated 1008. The discrepancy is in the bid tape that was provided to us when the loan was uploaded via the portal. The bid tape DTI is [redacted]% however due diligence is [redacted]%. An updated Bid tape for the DTI is required. Buyer Comment (2026-08-27): see uploaded |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226194629 | [Redacted] | [Redacted] | 37385240 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Recording 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 (2026-08-27): Sufficient Cure Provided At Closing |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226194629 | [Redacted] | [Redacted] | 37385241 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report 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 (2026-08-27): Sufficient Cure Provided At Closing |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226194634 | [Redacted] | [Redacted] | 37451393 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | TX | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226194636 | [Redacted] | [Redacted] | 37366574 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Note lists property address as [redacted] but does not have a unit number. CDA reflects unit #[redacted] . | Reviewer Comment (2026-09-09): Cleared. Received Revised CDA Buyer Comment (2026-09-04): revised cda upld |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226194636 | [Redacted] | [Redacted] | 37366576 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final stamped certied/signed HUD/ closing statement not provided in file. | Reviewer Comment (2026-09-04): Received final closing statement. Exception cleared. Buyer Comment (2026-09-02): final signed alta statement upld |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226194636 | [Redacted] | [Redacted] | 37385124 | 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 lender notes, the lower of the purchase price to be used which was $[redacted] . Causing an LTV discrepancy | Reviewer Comment (2026-09-04): Received revised 1008 and 1003 application with purchase price of $[redacted]and Bid tape date is updated with the same price to correct LTV and CLTV. Exception cleared. Buyer Comment (2026-09-02): revised 1008.1003 upld, bid tape correction rqstd |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226194636 | [Redacted] | [Redacted] | 37385125 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Per lender notes, the lower of the purchase price to be used which was $[redacted]. Causing an LTV discrepancy | Reviewer Comment (2026-09-04): Received revised 1008 and 1003 application with purchase price of $[redacted]and Bid tape date is updated with the same price to correct LTV and CLTV. Exception cleared. Buyer Comment (2026-09-02): revised 1008.1003 upld to trl docs, bid tape correction rqstd, |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226194641 | [Redacted] | [Redacted] | 37362813 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Reviewer Comment (2026-09-04): Corporate resolution is available in file. Verified and updated details. Exception Cleared. Buyer Comment (2026-09-03): please see unanimous consent & resolution on [redacted] |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226194641 | [Redacted] | [Redacted] | 37386727 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted] . | Reviewer Comment (2026-09-02): Updated HOA per document received. Exception Cleared. Buyer Comment (2026-09-01): Hello, please see the attached confirming that the HOA FEE monthly is $[redacted]not $[redacted]. [redacted] DSCR of [redacted]is valid. Thank you. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226194646 | [Redacted] | [Redacted] | 37388616 | 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] ([redacted] ) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. | Reviewer Comment (2026-09-14): [redacted]received disclosure Tracking for CD dated [redacted] received to consumer [redacted]business days prior to the consummation. Buyer Comment (2026-09-11): please see attached proof borrower sent [redacted] ICD on [redacted] |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| 226194648 | [Redacted] | [Redacted] | 37385746 | Compliance | Compliance | State Compliance | Misc. State Level | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely) | [redacted] Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within [redacted] ([redacted] ) business days of receipt of the loan application. | The Disclosure Summary indicates a Loan Estimate was provided to the Borrower[redacted] . However, the Initial Loan Estimate was not provided in the loan file. | Reviewer Comment (2026-09-09): LE [redacted]provided Buyer Comment (2026-09-04): ILE |
09/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | WA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226194648 | [Redacted] | [Redacted] | 37385747 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Loan Estimate not delivered or placed in the mail to Borrower within [redacted] business days of application. | Reviewer Comment (2026-09-09): [redacted]received disclosure summary suffice Buyer Comment (2026-09-04): See ILE |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226194648 | [Redacted] | [Redacted] | 37385749 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-08-27): Sufficient Cure Provided At Closing |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226194649 | [Redacted] | [Redacted] | 37381125 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | No valid change of circumstance provided for increase in Credit Report Fee. | Reviewer Comment (2026-08-27): Sufficient Cure Provided At Closing |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226194655 | [Redacted] | [Redacted] | 37385815 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | File is missing the final signed/dated or certified stamped HUD or closing statement. Only Estimates are in the file and do not reflect the gift funds. | Reviewer Comment (2026-09-10): Final settlement statement, cleared Buyer Comment (2026-09-10): See certified Final closing statement. |
09/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226194655 | [Redacted] | [Redacted] | 37385944 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The 1008/DSCR worksheet both indicate rent used of $[redacted] . There is no documentation in the file showing this rental amount. Please provide supporting evidence of the $[redacted] /mo rents. | Reviewer Comment (2026-09-10): Conservative monthly rental income explained and documentation verified, cleared Buyer Comment (2026-09-09): Please reference Operating Income Statement/[redacted]attached to appraisal ([redacted]) (found right after the comp photos) which references market rents of $[redacted]. Using this figure as most conservative approach. |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| 226194667 | [Redacted] | [Redacted] | 37363107 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Reviewer Comment (2026-09-01): Received Business Purpose Certificate. Exception cleared. Seller Comment (2026-08-28): Processor Cert, LOE for Cash out and Business Purpose Form |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226194667 | [Redacted] | [Redacted] | 37363118 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Reviewer Comment (2026-09-01): Received Cash-Out Utilization letter. Exception cleared. Seller Comment (2026-08-28): Processor Cert, LOE for Cash out and Business Purpose Form |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226194667 | [Redacted] | [Redacted] | 37363203 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Tenant occupied as per appraisal. Provide lease agreement. | Reviewer Comment (2026-09-04): Received Updated appraisal report reflecting "Vacant" property. Exception cleared. Seller Comment (2026-09-02): Updated Appraisal showing Vacant Reviewer Comment (2026-09-01): Received processor cert stating there is no lease agreement as property is newly constructed. Per [redacted]appraisal report's first page, property is tenant occupied. Require lease agreement. Exception remains. Seller Comment (2026-08-28): Processor Cert, LOE for Cash out and Business Purpose Form |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226196196 | [Redacted] | [Redacted] | 37365801 | 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 file disclosed $[redacted] of title insurance coverage; however, this is less than the loan amount of $[redacted] . | Reviewer Comment (2026-09-01): Title with sufficient coverage, cleared Buyer Comment (2026-09-01): Title |
09/01/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||
| 226196230 | [Redacted] | [Redacted] | 37387009 | 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. | Loan Designation discrepancy due to missing Third Party Verification of Employment. | Reviewer Comment (2026-08-31): Received required documentation. Condition cleared. Buyer Comment (2026-08-28): vvoe |
08/31/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NJ | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226196230 | [Redacted] | [Redacted] | 37387010 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Third Party Verification, CPA Letter, Audited or Third-Party Prepared YTD P&L and most recent transcript or signed/dated tax return not provided. | Reviewer Comment (2026-08-31): Received required documentation. Condition cleared. Buyer Comment (2026-08-28): see uploaded |
08/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226196230 | [Redacted] | [Redacted] | 37387011 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Third Party Verification, CPA Letter, Audited or Third-Party Prepared YTD P&L and most recent transcript or signed/dated tax return not provided. | Reviewer Comment (2026-08-31): Received required documentation. Condition cleared. |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226196230 | [Redacted] | [Redacted] | 37433530 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - FICO | Reviewer Comment (2026-09-09): Updated credit score to reflect DU score per Agency Guidelines. Buyer Comment (2026-09-08): Guidelines - Signature Agency Conforming Buyer Comment (2026-09-08): Please disregard previous comment. [redacted]still respectfully disagrees with [Redacted]FICO Designation. [redacted]seems to be basing qualifying FICO on Signature Expanded Guidelines. Per [redacted] Lock form, loan was changed to Signature Agency Conforming Signature Agency Conforming guidelines qualify FICO based off lowest middle score. B1's middle score of [redacted]is the lowest of the three borrowers. Please see uploaded guidelines, review [redacted], [redacted]and correct [redacted] Buyer Comment (2026-09-08): [redacted]FICO updated to align with AMC, [redacted]/[redacted]is the primary income earner (full doc). Please clear condition. Thank you! Buyer Comment (2026-09-04): [redacted]respectfully disagrees with [redacted]statement. B1's middle score of [redacted]is lowest middle FICO out of the [redacted]borrowers on loan. Per guideline, lowest middle score is qualifying. [redacted]bid tape reflects [redacted]as decision credit score. Please update [redacted]and clear condition Reviewer Comment (2026-09-04): Require BID Tap data needs to be corrected and reflect credit report [redacted]instead of [redacted]to clear the exception. Exception Remains. Buyer Comment (2026-09-02): [redacted]respectfully disagrees with [redacted]FICO Designation. Per Signature Agency guideline, qualifying credit score calculated on lowest middle. B1's middle score of [redacted]is the lowest of the [Redacted]borrowers. Please review Credit Reports ([redacted], [redacted]) and update [redacted] . |
09/09/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226196785 | [Redacted] | [Redacted] | 37386729 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 4506-C is provided in file without tax period | Reviewer Comment (2026-09-02): As per response [Redacted]-C this is not needed due to program guide for P&L, information re-validated. Exception Cleared. Buyer Comment (2026-08-31): This is not needed due to program guide for P & L. Please rescind condition. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226196785 | [Redacted] | [Redacted] | 37386933 | 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. | DTI exceeds due to NON REO credit liabilities not excluded from calculation |
Reviewer Comment (2026-09-03): updated 1008 provided [redacted] Buyer Comment (2026-09-02): 1008 |
09/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226196785 | [Redacted] | [Redacted] | 37386934 | 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. | "DTI exceeds due to NON REO credit liabilities not excluded from calculation as proof of payment is not provided in file" |
Reviewer Comment (2026-09-03): updated 1008 provided [redacted] Buyer Comment (2026-09-02): 1008 |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226196785 | [Redacted] | [Redacted] | 37436658 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met | "DTI exceeds due to NON REO credit liabilities not excluded from calculation as proof of payment is not provided in file" |
Reviewer Comment (2026-09-03): Cleared Buyer Comment (2026-09-02): 1008 |
09/03/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226196785 | [Redacted] | [Redacted] | 37436666 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Guideline Deficiency - ATR Impact | 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.) | "DTI exceeds due to NON REO credit liabilities not excluded from calculation as proof of payment is not provided in file" |
Reviewer Comment (2026-09-03): Updated 1008 provided [redacted] Buyer Comment (2026-09-02): 1008 |
09/03/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 226197426 | [Redacted] | [Redacted] | 37376060 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | EIN missing for the "[redacted]" | Reviewer Comment (2026-09-11): Revalidated information. Exception cleared. Buyer Comment (2026-09-09): Per Signature Expanded guidelines we are only required to verify the EIN of the borrowing entity, not any sub-entities. Please clear or provide the source of guidelines you are using that shows this is required. |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | WA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 226197426 | [Redacted] | [Redacted] | 37384314 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception to vest in LLC with a multi-layer company. | 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-27): Client elects to waive and downgrade with comp. factors: Loan to value [redacted]% and FICO [redacted]points or more under requirement |
08/27/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||
| 226197426 | [Redacted] | [Redacted] | 37384319 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for not all owners of the LLC will be available for signing. | 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. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-08-27): Client elects to waive and downgrade with compensating factor: Loan to value 10%or more under requirement and FICO [redacted]points or more above requirement |
08/27/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||
| 226197452 | [Redacted] | [Redacted] | 37388469 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception request for non-warrantable condo due to insufficient insurance is approved. Per disposition, approval is applicable only if file is registered and closes as signature expanded. Subject to meeting all other signature expanded guidelines. [redacted]for [redacted] | 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 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. |
Reserves: [redacted] Guideline Requirement: [redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
SitusAMC SitusAMC Originator,SitusAMC SitusAMC SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-08-27): Client elects to waive with compensating factors. |
08/27/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226197625 | [Redacted] | [Redacted] | 37394035 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-01): Received e-sign consent. Exception cleared. Buyer Comment (2026-08-28): audit trail |
09/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226197947 | [Redacted] | [Redacted] | 37390512 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-08-27): Sufficient Cure Provided At Closing |
08/27/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226197947 | [Redacted] | [Redacted] | 37399332 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. | Reviewer Comment (2026-08-28): Cured at closing or within [Redacted]days of consummation prior to TPR review |
08/28/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | SC | 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 | |||||||||
| 226197947 | [Redacted] | [Redacted] | 37399334 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | File does not contain a valid change of circumstance listing the fee that is changing, the reason for the change or the amount. No cure was provided. | Reviewer Comment (2026-09-15): [redacted]Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-11): Please see attached. |
09/15/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | 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 | |||||||||
| 226198100 | [Redacted] | [Redacted] | 37387554 | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. | Per lender guidelines, the most recent [redacted] month mortgage pay history is required for the subject and primary residence. The application does not indicate if there is a mortgage or not. Please provide clarification. Otherwise, the most recent [redacted] month pay history will be required. | Reviewer Comment (2026-09-24): Received Credit Supplemental. Exception Cleared. Buyer Comment (2026-09-22): Please see the attached credit supplement which shows the [redacted]month history. |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226198477 | [Redacted] | [Redacted] | 37410682 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Documentation evidencing income received from the trust is missing from the file. | Reviewer Comment (2026-09-03): Received statements. Cleared. Buyer Comment (2026-09-02): See [redacted]and upload |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226198477 | [Redacted] | [Redacted] | 37410883 | 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 (2026-09-03): Received statements. Cleared. Buyer Comment (2026-09-02): See Upload |
09/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226198477 | [Redacted] | [Redacted] | 37410884 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Reviewer Comment (2026-09-03): [redacted]received LE dated [redacted] Buyer Comment (2026-09-02): Disclosure Tracking |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226198477 | [Redacted] | [Redacted] | 37410892 | 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. | [redacted] due to trust income. Documentation evidencing income received from the trust is missing from the file. | Reviewer Comment (2026-09-03): Received statements. Cleared. Buyer Comment (2026-09-02): See Upload |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226198477 | [Redacted] | [Redacted] | 37410899 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure[redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted] . | No seller-paid fees or charges are disclosed. | Reviewer Comment (2026-09-03): [redacted]received seller CD, as per seller CD seller is not obligated to pay any closing costs. Buyer Comment (2026-09-02): Seller CD |
09/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226198490 | [Redacted] | [Redacted] | 37406068 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-09-02): UCDP received and verified. Exception cleared Buyer Comment (2026-08-31): SSR's |
09/02/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | VA | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226198490 | [Redacted] | [Redacted] | 37406069 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-02): E-Sign Consent Agreement received and verified. Exception cleared Buyer Comment (2026-08-31): e-consent |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | |||||||||||
| 226198490 | [Redacted] | [Redacted] | 37406073 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-09-02): ITIN Document received and verified. Exception cleared Buyer Comment (2026-08-31): Non-citizen docs |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226198490 | [Redacted] | [Redacted] | 37406074 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-09-02): Hazard Insurance Policy document received and verified. Exception cleared Buyer Comment (2026-08-31): hoi |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||||
| 226198490 | [Redacted] | [Redacted] | 37406080 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Passport/VISA/Employment Authorization documents missing in loan file. | Reviewer Comment (2026-09-02): ITIN Document received and verified. Exception cleared Buyer Comment (2026-08-31): see uploaded |
09/02/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | VA | Primary | Purchase | D | A | C | A | A | A | D | A | Non QM | Non QM | No | ||||||||||
| 226199818 | [Redacted] | [Redacted] | 37408735 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-08-31): Sufficient Cure Provided At Closing |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226200356 | [Redacted] | [Redacted] | 37399286 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted] | Reviewer Comment (2026-09-02): Cleared. Received updated HOI premium Reviewer Comment (2026-09-02): EXCEPTION HISTORY - Exception Explanation was updated on[redacted] PRIOR Exception Explanation: Diligence DSCR: [redacted]; Bid Tape DSCR: [redacted]. Buyer Comment (2026-09-01): Hello, please see attached. HOI for the year is $[redacted]/ [redacted]= $[redacted]per month. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226200421 | [Redacted] | [Redacted] | 37408747 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-08-31): Sufficient Cure Provided At Closing |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226201112 | [Redacted] | [Redacted] | 37398889 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | Birth Date of [redacted] not provided in file. | Reviewer Comment (2026-09-15): Birth Date of managing member not required. Exception Cleared. Buyer Comment (2026-09-11): please note [redacted]is not a borrower on the loan, only a v |
09/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226201112 | [Redacted] | [Redacted] | 37398957 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Hazard Insurance address Unit number [redacted] not matching with Note document Unit number [redacted]. | Reviewer Comment (2026-09-15): Received updated Hazard Insurance policy. Exception Cleared. Buyer Comment (2026-09-11): please see attached updated hoi for property address |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226201466 | [Redacted] | [Redacted] | 37410583 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-09-18): Final provided |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226201466 | [Redacted] | [Redacted] | 37410645 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee increased to $[redacted] without a valid change of circumstance; however, cure was provided to the borrower | Reviewer Comment (2026-08-31): Sufficient Cure Provided At Closing |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226201466 | [Redacted] | [Redacted] | 37415746 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part 1 items #[redacted] reflects tax liens with outstanding balances in the amount of $[redacted] . HUD 1 does not reflect payoff of tax lien. Please provide evidence the lien have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-09-18): Document #[redacted]provided Buyer Comment (2026-09-16): Please see attached title policy showing the Tax Lien issue has been removed and does not show any negative impact on title. |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226201474 | [Redacted] | [Redacted] | 37411864 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-08-31): Sufficient Cure Provided At Closing |
08/31/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226201474 | [Redacted] | [Redacted] | 37411920 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Bridge loan HUD/Closing Disclosure was not found in file. Evidence of payment on the loan is required to determine proper reserves. | Reviewer Comment (2026-09-08): Received Bridge Loan CD. Exception cleared. Buyer Comment (2026-09-03): bridge cd upld |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226201540 | [Redacted] | [Redacted] | 37398980 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | Require recent [redacted] months bank statements. | 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. |
Reserves: [redacted] Guideline Requirement: [redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-03): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-01): Exception |
09/03/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WI | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||
| 226204078 | [Redacted] | [Redacted] | 37436423 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-02): Sufficient Cure Provided At Closing |
09/02/2026 | No | 1 | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226204078 | [Redacted] | [Redacted] | 37436424 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-02): Sufficient Cure Provided At Closing |
09/02/2026 | No | 1 | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226204102 | [Redacted] | [Redacted] | 37406715 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-09-21): Received final title policy. Exception Cleared. |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226204102 | [Redacted] | [Redacted] | 37406788 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part 1 items #[redacted]reflects judgments with outstanding balances in the amount of $[redacted]. Seller's HUD 1 does not reflect payoff of judgments. Please provide evidence all judgments have been released, paid and will not have negative impact on final title policy. | Reviewer Comment (2026-09-21): Received final title policy reflecting no judgments. Exception Cleared. Buyer Comment (2026-09-17): Please see attached final title showing the judgements have been removed. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226204104 | [Redacted] | [Redacted] | 37406792 | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided | Official Check for 1031 exchange was not found in file. | Reviewer Comment (2026-09-18): Received exchange agreement. Cleared. Buyer Comment (2026-09-18): [redacted]exchange agreement was not previously requested. Please see exchange documents as requested. Reviewer Comment (2026-09-17): Provided closing statement was available at initial review. Require [redacted]exchange agreement along with statement of 1031 funds. Exception remains. Buyer Comment (2026-09-16): Yes, the closing statement on the [redacted]Exchange Docs is supposed to reflect a different property. It's the property the borrower sold (exchanging the old property for the new one) to have the funds to purchase the subject property. Reviewer Comment (2026-09-14): The provided Closing Statement reflects a property address that does not match the subject property address listed on the Note. Exception remains. Buyer Comment (2026-09-10): Unsure what you mean by missing the official check for the [redacted] as an [redacted] a check is typically not issued. The monies are held in the[redacted]account until a new property is purchased then the funds are transferred to closing for the transaction. The [redacted]assets are reflected on the Alta/Settlement Statement |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 226204104 | [Redacted] | [Redacted] | 37417957 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File indicates a lender exception was approved for this loan, however the file does not contain the lender exception form, approval and comp factors. Lender exception approved for mortgage shows [redacted] day in [redacted] . Letter from borrower that this was a mistake. |
Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. 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. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-09-18): Client elects to waive with compensating factors. Buyer Comment (2026-09-16): Can you clarify what you are looking for. The Exception allowing for the [redacted]days late on the credit history has been provided and is now in trailing docs. Buyer Comment (2026-09-16): Please see attached Exception allowing for the mortgage late. Reviewer Comment (2026-09-14): Lender exception approval provided for delinquent housing payment. Credit report shows [redacted]day late in [redacted] on [redacted]#[redacted]. Buyer Comment (2026-09-10): Please see attached Exception allowing for the mortgage late. |
09/18/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||
| 226204104 | [Redacted] | [Redacted] | 37417964 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The credit reflects a mortgage with a [redacted] which does not meet lender guides. | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [redacted] months PITIA or more. 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. |
Actual Reserves: $[redacted] Required Reserves: $[redacted] [redacted] |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-14): Client elects to downgrade and waive with compensating factors. Buyer Comment (2026-09-10): Please see attached Exception allowing for the mortgage late. |
09/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||
| 226204104 | [Redacted] | [Redacted] | 37418175 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | File is missing the final signed/stamped HUD from the subject loan. | Reviewer Comment (2026-09-17): Received final closing statement. Exception cleared. Buyer Comment (2026-09-16): Please see attached settlement statement Reviewer Comment (2026-09-14): The provided Closing Statement reflects a property address that does not match the subject property address listed on the Note. Exception remains. Buyer Comment (2026-09-10): Please see final ALTA signed as required. |
09/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 226204104 | [Redacted] | [Redacted] | 37418223 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form [redacted]/[redacted] used for incorrect Subject property type. | - ___ | Reviewer Comment (2026-09-14): The property is [redacted]unit detached PUD. Exception Cleared. Buyer Comment (2026-09-10): The wrong form was not used. The subject property is a [redacted] property (duplex) that happens to be in a PUD. This is not an attached PUD such as a townhome. |
09/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| 226204107 | [Redacted] | [Redacted] | 37406827 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | HOA questionnaire is missing in file. | Reviewer Comment (2026-09-04): Cleared. Not required per [Redacted]for [redacted]. Seller Comment (2026-09-02): N/A |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226204107 | [Redacted] | [Redacted] | 37506905 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: DSCR | Reviewer Comment (2026-09-11): Revalidated information. Exception Cleared. Seller Comment (2026-09-09): LOE from partner on DSCR |
09/11/2026 | No | 1 | A | A | A | A | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| 226204108 | [Redacted] | [Redacted] | 37408605 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted] . | DSCR variance is more than [redacted] . Update Bid Tape Value as [redacted] as per source document. | Reviewer Comment (2026-09-02): Corrected bid tape provided. |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226204110 | [Redacted] | [Redacted] | 37421206 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [redacted]. | Seller closing disclosure is missing from the file. | Reviewer Comment (2026-09-02): [redacted]received seller CD Seller Comment (2026-09-01): SELLER CD |
09/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226204152 | [Redacted] | [Redacted] | 37414349 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing for [redacted] | Reviewer Comment (2026-09-08): Land only property. Insurance not required. Exception Cleared. Buyer Comment (2026-09-04): property is owned free and clear, final lp was provided on [redacted]-[redacted] |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226204152 | [Redacted] | [Redacted] | 37414552 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redact ed]exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final closing disclosure, no cure or valid change of circumstance was provided to borrower. | Reviewer Comment (2026-09-10): [redacted]received a valid COC. Buyer Comment (2026-09-09): [redacted]coc and lock confirm upld, the LE is on [redacted] Reviewer Comment (2026-09-09): [redacted]received a rebuttal comment. However, the rate was locked at [redacted]%, and a discount point fee of $[redacted]was disclosed to the borrower on the revised LE dated [redacted]. Additionally, the fee was increase of $[redacted]from $[redacted]on revised CD dated [redacted] and file does not contain valid COC for the fee was increased from baseline. A valid COC for the fee increases or Cure is required to borrower. Buyer Comment (2026-09-04): please cancel, we disclosed $[redacted]on the initial [redacted] le, see [redacted] |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | 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 | |||||||||
| 226204235 | [Redacted] | [Redacted] | 37431753 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Personal Bank Statement for account ending with #[redacted] missing for the months of [redacted] | Reviewer Comment (2026-09-22): Bank statements received. Buyer Comment (2026-09-18): [redacted]- [redacted]-[redacted] - [redacted] Reviewer Comment (2026-09-08): File was still missing bank statement for account ending with #[redacted]for statement ending [redacted] and [redacted]. Exception remains. Buyer Comment (2026-09-03): Missing Statements |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226204235 | [Redacted] | [Redacted] | 37431772 | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Personal Bank Statement for account ending with #[redacted] missing for the months of [redacted] | Reviewer Comment (2026-09-08): Received bank statement. Exception cleared. Buyer Comment (2026-09-03): Statements Buyer Comment (2026-09-03): See Upload |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226204235 | [Redacted] | [Redacted] | 37431858 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Personal Bank Statement for account ending with #[redacted] missing for the months of [redacted] | Reviewer Comment (2026-09-22): Bank statements received. Buyer Comment (2026-09-18): Missing statement Buyer Comment (2026-09-18): See upload Reviewer Comment (2026-09-08): File was still missing bank statement for account ending with #[redacted]for statement ending [redacted] and [redacted]. Exception remains. Buyer Comment (2026-09-03): See Upload |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226204235 | [Redacted] | [Redacted] | 37431940 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Bank Statement missing in file for Income Qualification. | Reviewer Comment (2026-09-22): Bank statements received. Buyer Comment (2026-09-18): See upload Reviewer Comment (2026-09-08): File was still missing bank statement for account ending with #[redacted]for statement ending [redacted] and [redacted]. Exception remains. Buyer Comment (2026-09-03): See Upload |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226204235 | [Redacted] | [Redacted] | 37431961 | 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 mismatch due to Bank Statement missing in file for Income Qualification. | Reviewer Comment (2026-09-22): Bank statements received. Buyer Comment (2026-09-18): See upload Reviewer Comment (2026-09-08): File was still missing bank statement for account ending with #[redacted]for statement ending [redacted]and [redacted]. Exception remains. Buyer Comment (2026-09-03): See Upload |
09/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226204235 | [Redacted] | [Redacted] | 37431962 | 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. | Personal Bank Statement for account ending with #[redacted] missing for the months of [redacted] | Reviewer Comment (2026-09-22): Bank statements received. Buyer Comment (2026-09-18): See upload Reviewer Comment (2026-09-08): File was still missing bank statement for account ending with #[redacted]for statement ending [redacted] and [redacted]. Exception remains. Buyer Comment (2026-09-03): See Upload |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226204235 | [Redacted] | [Redacted] | 37431965 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted] % significantly exceeds the guideline maximum of [redacted] %. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI mismatch due to Co-Borrower Bank Statement Income. | Reviewer Comment (2026-09-08): Received bank statement for acct ending #[redacted]. Exception cleared. Buyer Comment (2026-09-03): Please review all statements to support income. |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226204235 | [Redacted] | [Redacted] | 37431966 | 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.) | Personal Bank Statement for account ending with #[redacted]missing for the months of [redacted] | Reviewer Comment (2026-09-22): Bank statements received. Buyer Comment (2026-09-18): See upload Reviewer Comment (2026-09-08): File was still missing bank statement for account ending with #[redacted]for statement ending [redacted] and [redacted]. Exception remains. Buyer Comment (2026-09-03): See upload |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226204235 | [Redacted] | [Redacted] | 37431967 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-01): Sufficient Cure Provided At Closing |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226204235 | [Redacted] | [Redacted] | 37439032 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Bank Statement income not complete. | Reviewer Comment (2026-09-22): Bank statements received. Buyer Comment (2026-09-18): See upload Reviewer Comment (2026-09-08): File was still missing bank statement for account ending with #[redacted]for statement ending [redacted] and[redacted]. Exception remains. Buyer Comment (2026-09-03): Please review all statements to support income. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226204235 | [Redacted] | [Redacted] | 37439052 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Bank Statement income not complete. | Reviewer Comment (2026-09-22): Bank statements received. Buyer Comment (2026-09-18): See upload Reviewer Comment (2026-09-08): File was still missing bank statement for account ending with #[redacted]for statement ending v and [redacted]. Exception remains. Buyer Comment (2026-09-03): Please review all statements to support income. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226204235 | [Redacted] | [Redacted] | 37487862 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted]% moderately exceeds the guideline maximum of [redacted] %. (DTI Exception is eligible to be regraded with compensating factors.) | Reviewer Comment (2026-09-22): Bank statements received. Buyer Comment (2026-09-18): See upload |
09/22/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226204236 | [Redacted] | [Redacted] | 37417165 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Per lender guides, Unanimous Consent & Resolution to Borrow, which must include lender name, loan amount, and property address is required and must be signed by all members, however this is missing from the file. | Reviewer Comment (2026-09-14): Received corporate resolution. Exception cleared. Seller Comment (2026-09-10): Attached Unanimous Consent |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226207477 | [Redacted] | [Redacted] | 37421147 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing verification of insurance. | Reviewer Comment (2026-09-17): Received Insurance and HOA Verification documents. Exception Cleared. Buyer Comment (2026-09-15): [redacted]insurance Buyer Comment (2026-09-15): Where are you seeing a payment of $[redacted]? Reviewer Comment (2026-09-08): Documentation supporting the unverified payment of $[redacted]is required. Exception remains. Buyer Comment (2026-09-04): This property is owned free and clear and no insurance is required |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226207477 | [Redacted] | [Redacted] | 37421148 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File was missing verification of HOA and insurance. | Reviewer Comment (2026-09-17): Received Insurance and HOA Verification documents. Exception Cleared. Buyer Comment (2026-09-15): All reo docs Reviewer Comment (2026-09-09): Expenses for both properties used to qualify as per 1008 and final 1003 hence insurance and hoa documentation required to clear this condition. Exception remains. Buyer Comment (2026-09-04): Property is owned by the trust. No reo documents needed |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226207501 | [Redacted] | [Redacted] | 37413437 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold. Disclosed Amount Financed on page [redacted] is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted] ). | Final Closing Disclosure disclosed a finance charge of $[redacted] . Calculating at $[redacted] with a variance of $[redacted] | Reviewer Comment (2026-09-17): [redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-09-16): please see attached lox, pccd and check |
09/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226211883 | [Redacted] | [Redacted] | 37551066 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: HOA | Reviewer Comment (2026-09-18): Received confirmed HOA dues. Condition cleared. Buyer Comment (2026-09-18): [redacted]is following up re: supporting documents. Please review, update SItus HOA to $[redacted]/mo and [redacted] DSCR to [redacted] Buyer Comment (2026-09-16): HOA verification - email Buyer Comment (2026-09-16): Uploaded please find email that document uploaded yesterday was attached to. Please review and update [redacted] HOA to $[redacted]/mo and DSCR to [redacted] Reviewer Comment (2026-09-16): The HOA document provided does not tie the subject property to the address or subdivision as stated on the appraisal. Buyer Comment (2026-09-15): Please disregard[redacted]rebuttal. Attached please find verification of HOA dues iao $[redacted]/mo This would make True PITIA $[redacted] $[redacted]/ $[redacted]= [redacted] Please review and update [redacted]HOA & DSCR Buyer Comment (2026-09-15): HOA verification Buyer Comment (2026-09-14): [redacted]has corrected our LOS to reflect HOA iao $[redacted]/mo per Purchase Agreement & Appraisal. Updated Bid tape will be sent later this week. We now show DSCR of [redacted] |
09/18/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | A | A | A | A | A | A | N/A | No | |||||||||||||||||||
| 226212065 | [Redacted] | [Redacted] | 37422754 | 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 [redacted] 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. | Loan Estimate not delivered to Borrower(s) within [redacted] ) 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. | Reviewer Comment (2026-09-09): [redacted]received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted]. Buyer Comment (2026-09-08): proof accepted upld |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226212065 | [Redacted] | [Redacted] | 37422755 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. No Valid Change of Circumstance or sufficient lender cure was provided. | Reviewer Comment (2026-09-14): [redacted]received a valid COC. Buyer Comment (2026-09-10): revised le and tracking upld Reviewer Comment (2026-09-09): [redacted]received valid rebuttal comment and supporting rate lock document. However, there is no LE/CD dated within that time frame. Please provide any missing LE/CD to associate with the changed circumstance dated [redacted] or provide a changed circumstance supporting the CD dated [redacted]. Otherwise, a cure will be required. Buyer Comment (2026-09-08): initial pricing confirm upld, loan was locked on [redacted], initial lock is on [redacted] |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KS | Second Home | 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 | |||||||||
| 226212065 | [Redacted] | [Redacted] | 37422756 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] over legal limit. No Valid Change of Circumstance or sufficient lender cure was provided. | Reviewer Comment (2026-09-09): Cured at closing or within [Redacted] days of consummation prior to TPR review Buyer Comment (2026-09-08): please cancel, this was cured at closing on the cd, section j |
09/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | KS | Second Home | 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 | |||||||||
| 226212065 | [Redacted] | [Redacted] | 37556371 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-14): Sufficient Cure Provided At Closing |
09/14/2026 | No | 1 | A | A | A | A | A | KS | Second Home | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226213730 | [Redacted] | [Redacted] | 37424317 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | File was missing a current mortgage statement and tax verification to verify expenses. | Reviewer Comment (2026-09-04): Mortgage statement and tax verification document provided and associated. Exception cleared Buyer Comment (2026-09-03): REO docs |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | B | C | B | A | A | D | A | N/A | N/A | No | ||||||||||
| 226213730 | [Redacted] | [Redacted] | 37424322 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file was missing a copy of the secondary valuation required for securitization purposes. | Reviewer Comment (2026-09-04): UCDP provided and associated. Exception cleared Buyer Comment (2026-09-03): SSR's |
09/04/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Refinance - Rate/Term | D | B | C | B | A | A | D | A | N/A | N/A | No | |||||||||||
| 226213730 | [Redacted] | [Redacted] | 37432047 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception noted on 1008 to allow for Assisted Living Facility as Subject Property. The Lender Exception document, approval and comp factors were not found in the file. | 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 guideline required amount by the equivalent of [redacted]months PITIA or more. 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. |
Borrower has been employed in the same industry for more than[redacted] years. Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-08): Client elects to downgrade and waive with compensating factors. Reviewer Comment (2026-09-08): Lender exception approval provided for property is used as an[Redacted] and the business of operating the factility is owned by the borrower. Buyer Comment (2026-09-03): exception request |
09/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Investment | Refinance - Rate/Term | D | B | C | B | A | A | D | A | N/A | N/A | No | ||||||||
| 226213730 | [Redacted] | [Redacted] | 37432626 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy is missing for the subject property. | Reviewer Comment (2026-09-04): Hazard insurance policy provided and associated. Exception cleared Buyer Comment (2026-09-03): HOI |
09/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | D | B | C | B | A | A | D | A | N/A | N/A | No | |||||||||||
| 226213730 | [Redacted] | [Redacted] | 37439856 | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Refi Purpose reflects Rate/Term and cash out greater than the greater of [redacted] % of the loan amount or $[redacted] . | Cash to Borrower: ___; Total Cash Out: ___; Refi Purpose: ___ | Lender approved loan as a rate/term refinance, however the cash to the borrower exceeds either $[redacted] K or [redacted] % of the loan amount. | 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 guideline required amount by the equivalent of [redacted]months PITIA or more. 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. |
Borrower has been employed in the same industry for more than[redacted] years. Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Actual Reserves: $[redacted] Required Reserves: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-10): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-08): LOX & PCCD Reviewer Comment (2026-09-08): Please provide final closing disclosure. Buyer Comment (2026-09-03): final settlement statement |
09/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Investment | Refinance - Rate/Term | D | B | C | B | A | A | D | A | N/A | N/A | No | |||||||
| 226214176 | [Redacted] | [Redacted] | 37427515 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-01): Sufficient Cure Provided At Closing |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226214184 | [Redacted] | [Redacted] | 37427612 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] business days of application. | Initial LE is dated [redacted] while the application date is shown as [redacted] | Reviewer Comment (2026-09-17): [redacted]received disclosure summary with system snip for the purchase contract received on [redacted] and initial disclosures were sent to borrower within that timing requirements. Buyer Comment (2026-09-15): We didnt have the purchase contract until [redacted]. See timestamp Reviewer Comment (2026-09-11): [redacted]received rebuttal comment for the application date is [redacted]. However, as per 1003 ([redacted]) all the [redacted]pieces of information was available except property address which is TBD. But as per title preliminary ([redacted]) dated [redacted] the address was available on it while the purchase contract ([redacted]) is executed on [redacted]. From the available documents we are unable to determine the exact date when lender has received all [redacted]pieces of information to initiate the application. Please provide supporting documentation to confirm receipt of the [redacted]piece of information to lender to establish the application date. If application date was within [redacted]business days of the[redacted] LE, lender should further clarify the discrepancy with the title commitment with lender name and dated [redacted]and sales contract dated [redacted]. Buyer Comment (2026-09-10): Application date is [redacted], see system confirmation |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226214219 | [Redacted] | [Redacted] | 37432560 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] Sufficient or excess cure was provided to the borrower at Closing. | No valid COC and insufficient cure was provided. | Reviewer Comment (2026-09-01): Sufficient Cure Provided At Closing |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226214219 | [Redacted] | [Redacted] | 37432561 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | No valid COC and insufficient cure was provided. | Reviewer Comment (2026-09-01): Sufficient Cure Provided At Closing |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226215640 | [Redacted] | [Redacted] | 37426700 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] exceeds tolerance of $-[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [redacted]Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted]exceeds tolerance of $-[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-01): Sufficient Cure Provided At Closing |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226215640 | [Redacted] | [Redacted] | 37426702 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]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 (2026-09-01): Sufficient Cure Provided At Closing |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226218227 | [Redacted] | [Redacted] | 37429552 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | File is missing the final HUD from the sale of the [redacted] property and the complete exchange agreement. | Reviewer Comment (2026-09-24): Received [redacted]exchange agreement, Closing statement and [redacted]exchange statement. Exception cleared. Buyer Comment (2026-09-23): The [redacted]doesn't need to be signed as there are no signature lines. Its complete and marked Final. Can you clear or clarify? Reviewer Comment (2026-09-15): The Closing Statement and Exchange Agreement have been received however the Closing Statement remains unsigned. Exception remains. Buyer Comment (2026-09-11): [redacted] |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226218227 | [Redacted] | [Redacted] | 37429557 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | File is missing the final CD from the sale of the [redacted] [Redacted] property and the complete exchange agreement. | Reviewer Comment (2026-09-24): Received [redacted]exchange agreement, Closing statement and [redacted]exchange statement. Exception cleared. Reviewer Comment (2026-09-15): The Closing Statement and Exchange Agreement have been received however the Closing Statement remains unsigned. Exception remains. Buyer Comment (2026-09-11): See [redacted] |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226218261 | [Redacted] | [Redacted] | 37428025 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-10): E-sign consent proof received, exception cleared Buyer Comment (2026-09-08): proof econsent accepted upld |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226218261 | [Redacted] | [Redacted] | 37428074 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Subprime Loan (Subprime Legend Not on Mortgage) | [redacted] Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section [redacted]-m of the [redacted] | Buyer Comment (2026-09-21): ok to waive Reviewer Comment (2026-09-17): The required Legend on the security instrument/Loan agreement was not located. Buyer Comment (2026-09-16): additional rebuttal upld to trl docs Reviewer Comment (2026-09-10): Taxes are not Escrow Buyer Comment (2026-09-08): please cancel, this is a coop, there is no mortgage, the loan security is on [redacted] |
09/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226218261 | [Redacted] | [Redacted] | 37428075 | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) [Redacted] Subprime Loan (Escrow Not Established) | [redacted] Loan: Mandatory escrow account not established for the collection of property taxes and insurance on first lien loan. (Note: Does not apply if the borrower can demonstrate a record of [redacted] months of timely payments of taxes and insurance on a previous home loan.) | Buyer Comment (2026-09-21): ok to waive Reviewer Comment (2026-09-18): Generally, the Proprietary Lease or other co-op document in file will support what is included in the monthly assessment/maintenance fee. I did a review of the loan file and am not seeing what is all included in the maintenance fee. If they are able to point this out, whether included or excluded, we can review. Often times the maintenance fee would include payment of property taxes by the co-op and we cannot assume in this case it does not. However, I will point out that this exception is an[redacted]. Even if the loan was [redacted]Subprime Compliant (vs its current status of Not Compliant), the grading would also remain graded an [redacted]. Reviewer Comment (2026-09-18): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-09-16): additional rebuttal upld Reviewer Comment (2026-09-10): Taxes are not Escrow Buyer Comment (2026-09-08): rebuttal upld |
09/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226218261 | [Redacted] | [Redacted] | 37428076 | Compliance | Compliance | State Compliance | State HPML | [redacted] Home Loan Threshold Greater than [redacted] Year ARM Non-Compliant | [redacted] Loan: APR on subject loan of [redacted]% is in excess of allowable threshold of Rate [redacted]%. Non-Compliant SubPrime Loan. | Buyer Comment (2026-09-21): ok to waive Reviewer Comment (2026-09-18): The tax cert shows that the co-op's HOA ([redacted]) is the property owner, so we feel this is sufficient as evidence that the HOA is paying the taxes. If they can provide additional docs to confirm it, that's helpful, but not fully necessary. That being said, even if the HOA is paying the taxes, the [redacted]Subprime regulation doesn't state that the taxes do not have to be escrowed when paid by an HOA. However, the regulation does state that taxes do not have to be escrowed if there's evidence of timely tax payments for [redacted]months on a prior loan. If the lender can provide evidence that the co-op HOA paid taxes for [redacted]months, then we can get to a clear on the escrow requirement. [redacted]Banking Law §[redacted]-m([redacted])(o) Mandatory escrow of taxes and insurance. No subprime home loan shall be made after [redacted], [redacted]thousand ten unless the lender requires and collects the monthly escrow of property taxes and hazard insurance. With respect to a subprime home loan, a borrower may waive escrow requirements by notifying the lender in writing after one year from consummation of the loan. The provisions of this paragraph shall not apply to a subprime home loan that is a subordinate lien when the taxes and insurance are escrowed through another home loan or where the borrower can demonstrate a record of twelve months of timely payments of taxes and insurance on a previous home loan. Reviewer Comment (2026-09-18): Generally, the Proprietary Lease or other co-op document in file will support what is included in the monthly assessment/maintenance fee. I did a review of the loan file and am not seeing what is all included in the maintenance fee. If they are able to point this out, whether included or excluded, we can review. Often times the maintenance fee would include payment of property taxes by the co-op and we cannot assume in this case it does not. However, I will point out that this exception is an[redacted]. Even if the loan was [redacted]Subprime Compliant (vs its current status of Not Compliant), the grading would also remain graded an[redacted] Reviewer Comment (2026-09-18): the issue has been escalated and we will reach out once we receive a response Buyer Comment (2026-09-16): additional rebuttal upld to trl docs Reviewer Comment (2026-09-10): Taxes are not Escrow Buyer Comment (2026-09-08): please cancel, this does not exceed the threshold, see final mavent |
09/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226218261 | [Redacted] | [Redacted] | 37428079 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 (2026-09-01): Sufficient Cure Provided At Closing |
09/01/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226218261 | [Redacted] | [Redacted] | 37428081 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [redacted] prior to [redacted] business days from transaction date of [redacted] | Right to cancel signature date is [redacted] with expiration date [redacted] Notary date is also[redacted] . Based on [redacted] Closing Disclosure, the[redacted] funding date was premature. | Reviewer Comment (2026-09-18): Received corrected RTC, letter to borrower and evidence of borrower's receipt on [redacted]which provides [redacted]business days to cancel. Reviewer Comment (2026-09-18): Need to cure. Reviewer Comment (2026-09-17): Received corrected RTC, letter to borrower and evidence of borrower's receipt on [redacted] which provides [redacted]business days to cancel. Condition cleared. Buyer Comment (2026-09-16): updated rtc with proof bwr viewed upld |
09/18/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226218262 | [Redacted] | [Redacted] | 37435205 | 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 final CD dated [redacted] non-escrowed property cost is blank on page [redacted]. | Reviewer Comment (2026-09-14): [redacted] received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2026-09-10): clerical pccd with proof sent to bwr upld |
09/14/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226218262 | [Redacted] | [Redacted] | 37435206 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient Cure is required. | Reviewer Comment (2026-09-02): Sufficient Cure Provided At Closing |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226218262 | [Redacted] | [Redacted] | 37435207 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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. | [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient Cure is required. | Reviewer Comment (2026-09-02): Sufficient Cure Provided At Closing |
09/02/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226219652 | [Redacted] | [Redacted] | 37446171 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File is missing the complete, executed exchange agreement. | Reviewer Comment (2026-09-08): Document provided [redacted] Buyer Comment (2026-09-03): Exchange Agreement |
09/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226219749 | [Redacted] | [Redacted] | 37447476 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | The Appraisal Fee increased from $[redacted] to $[redacted]without a valid Change of Circumstance. | Reviewer Comment (2026-09-09): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-08): PCCD, LOX, Label and check Reviewer Comment (2026-09-03): [redacted]received COC dated [redacted] however the reason mentioned is not valid. Kindly provide a detail reason as to why the aprpaisal fee increased on LE dated[redacted] for $[redacted]or cure due to borrrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-09-02): LE, COC & screen shot of appraisal |
09/09/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | AR | 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 | |||||||||
| 226220008 | [Redacted] | [Redacted] | 37446645 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | The 1008 indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | 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. |
[redacted] | SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-15): Client elects to downgrade and waive with compensating factors. Buyer Comment (2026-09-11): Please see attached. |
09/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226221297 | [Redacted] | [Redacted] | 37443597 | 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. | Per Appraisal, the unit is tenant occupied; however, the Lease in the file shows the contract expired on [redacted] | Reviewer Comment (2026-09-15): Document [redacted]states lease auto renews Buyer Comment (2026-09-11): please see borrower lox doc [redacted]regarding lease automatic renewal per PA statute |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226221297 | [Redacted] | [Redacted] | 37447061 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Title vesting on security instrument does not match the title provided. | Reviewer Comment (2026-09-15): Received Deed. Exception Cleared. Buyer Comment (2026-09-11): please see attached deed |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226222345 | [Redacted] | [Redacted] | 37448796 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | A CPA, [redacted] , licensed tax preparer, or licensed attorney letter or equivalent document verifying self employment is not located in the file. | Reviewer Comment (2026-09-21): Operating Agreement is available, [redacted] is [redacted]name for [Redacted]. Buyer Comment (2026-09-17): Also See [redacted]For Asset Cash Flow Analysis Buyer Comment (2026-09-17): See [redacted]- [redacted], [redacted], [redacted]. Single Member. Borrower is the only member. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226222345 | [Redacted] | [Redacted] | 37448906 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | A cash flow analysis or CPA letter stating that the use of the funds for the transaction from [redacted] # [redacted] business account will not have a material adverse impact on the business' operations is not located in the file. | Reviewer Comment (2026-09-21): Cash Flow Analysis available. Buyer Comment (2026-09-17): Also See [redacted]For Asset Cash Flow Analysis Buyer Comment (2026-09-17): See [redacted]- [redacted], [redacted], [redacted]. Single Member. Borrower is the only member. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226222345 | [Redacted] | [Redacted] | 37448931 | 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 (2026-09-21): Operating Agreement is available, [redacted] is [redacted]name for [Redacted]. Cash Flow Analysis available. Buyer Comment (2026-09-17): Also See [redacted]For Asset Cash Flow Analysis Buyer Comment (2026-09-17): See [redacted]- [redacted], [redacted], [redacted]. Single Member. Borrower is the only member. |
09/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226222345 | [Redacted] | [Redacted] | 37448936 | 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. | A cash flow analysis or CPA letter stating that the use of the funds for the transaction from [redacted] # [redacted] business account will not have a material adverse impact on the business' operations is not located in the file. | Reviewer Comment (2026-09-21): Operating Agreement is available, [redacted] is [redacted]name for [Redacted]. Cash Flow Analysis available. Buyer Comment (2026-09-17): Also See [redacted]For Asset Cash Flow Analysis Buyer Comment (2026-09-17): See [redacted]- [redacted], [redacted], [redacted]. Single Member. Borrower is the only member. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226222345 | [Redacted] | [Redacted] | 37449069 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | A CPA, [redacted] , licensed tax preparer, or licensed attorney letter or equivalent document verifying self employment is not located in the file. | Reviewer Comment (2026-09-21): Operating Agreement is available, [redacted] is [redacted]name for [Redacted]. Buyer Comment (2026-09-17): Also See [redacted]For Asset Cash Flow Analysis Buyer Comment (2026-09-17): See [redacted]- [redacted], [redacted], [redacted]. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226222345 | [Redacted] | [Redacted] | 37454276 | 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.) | Reviewer Comment (2026-09-21): Operating Agreement is available,[redacted] is [redacted]name for [Redacted]. Cash Flow Analysis available. Buyer Comment (2026-09-17): Also See [redacted]For Asset Cash Flow Analysis Buyer Comment (2026-09-17): See [redacted]- [redacted], [redacted], [redacted]. Single Member. Borrower is the only member. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226222427 | [Redacted] | [Redacted] | 37435976 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Shortfall of $[redacted]. Provide updated policy reflecting minimum coverage or provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-09-11): Replacement cost estimator received, exception cleared. Buyer Comment (2026-09-09): Please see attached. |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226222836 | [Redacted] | [Redacted] | 37436845 | Credit | Guideline | Guideline Issue | Guideline | Variance between diligence DSCR and bid tape DSCR does not meet [redacted] requirements. Variance is more than [redacted]. | There is a discrepancy between the lender's DSCR of [redacted]and the review DSCR of [redacted]. This difference is due to the lender considered [redacted]floor rent as $[redacted]. However, the actual rent amount is $[redacted] | Reviewer Comment (2026-09-15): Bid tape data is corrected with DSCR of [redacted]. Exception cleared. Buyer Comment (2026-09-11): bid tape has been updated, please clear condition Reviewer Comment (2026-09-10): Exception will be re reviewed when the bid tape is corrected to show DSCR [redacted]%. Exception remains Buyer Comment (2026-09-08): DSCR Calc - rev[redacted] Buyer Comment (2026-09-08): [redacted]has corrected rents and now reflects a DSCR of [redacted]. Updated bid tape will be sent later this week, uploaded please find corrected Calculator Buyer Comment (2026-09-08): [redacted]has updated our rents and LOS now reflects DSCR pf [redacted]. Corrected bidtape will be sent later this week, uploaded please find corrected DSCR Calc |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226222977 | [Redacted] | [Redacted] | 37448451 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Policy Effective Date [redacted]and Note Date is [redacted] | Reviewer Comment (2026-09-18): Received loan disbursement document with disbursement date [redacted]. Exception cleared. Buyer Comment (2026-09-16): [redacted]is a Dry state. Funded/disbursed on[redacted] |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226222977 | [Redacted] | [Redacted] | 37449573 | 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. | [redacted] due to incorrect income documentation: VVOE is dated [redacted] which is [redacted] days after the note date. | Reviewer Comment (2026-09-09): Updated document Buyer Comment (2026-09-04): See [redacted] |
09/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226222977 | [Redacted] | [Redacted] | 37449574 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable[redacted] ecords. | [redacted] due to incorrect income documentation: VVOE is dated [redacted] which is [redacted] days after the note date. | Reviewer Comment (2026-09-09): Updated document Buyer Comment (2026-09-04): See [redacted] |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226222977 | [Redacted] | [Redacted] | 37449575 | 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. | [redacted] due to incorrect income documentation: VVOE is dated [redacted] which is [redacted] days after the note date. | Reviewer Comment (2026-09-09): Cleared. Received VVOE Buyer Comment (2026-09-04): See [redacted] |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226222977 | [Redacted] | [Redacted] | 37449576 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Waterfall due to incorrect income documentation: VVOE is dated [redacted] which is [redacted] days after the note date. | Reviewer Comment (2026-09-09): Updated document |
09/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226222977 | [Redacted] | [Redacted] | 37449579 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. | - | VVOE is dated [redacted] which is [redacted]days after the note date. | Reviewer Comment (2026-09-09): Cleared. Received VVOE. Buyer Comment (2026-09-04): See [redacted] |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226222977 | [Redacted] | [Redacted] | 37449603 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Master insurance binder showing $[redacted]in coverage has not been provided in file. | Reviewer Comment (2026-09-09): Updated document Buyer Comment (2026-09-04): Please make sure you are looking at [redacted]correctly. It has sufficient coverage. |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226222977 | [Redacted] | [Redacted] | 37458221 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing Mortgage statement for [redacted] | Reviewer Comment (2026-09-09): Updated document Buyer Comment (2026-09-04): Statement |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226222977 | [Redacted] | [Redacted] | 37498728 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: FICO | Reviewer Comment (2026-09-09): Updated document Buyer Comment (2026-09-08): This is a full doc loan. [redacted]has updated FICO to [redacted]as co-borrower is the primary income earner. See [redacted]. Please review. Thank you. |
09/09/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226222977 | [Redacted] | [Redacted] | 37507323 | 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 (2026-09-09): Cleared. Received VVOE |
09/09/2026 | No | 1 | A | A | A | A | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226223152 | [Redacted] | [Redacted] | 37438933 | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than [redacted]days prior to the note date. | - | Lender to provide Credit Report within [redacted]days prior to note date. | Reviewer Comment (2026-09-21): Re-validated credit report date. Exception cleared. Buyer Comment (2026-09-17): Credit report is dated [redacted], Note date [redacted] this is well within [redacted]days however please note: Per program guidelines credit report must be within [redacted] days (not [redacted]). |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226223201 | [Redacted] | [Redacted] | 37450902 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted]exceeds tolerance of $[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 (2026-09-09): [redacted]received a valid COC. Seller Comment (2026-09-08): Please see attached Revised CD and COC Summary. |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | 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 | |||||||||
| 226223542 | [Redacted] | [Redacted] | 37455965 | 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 ___. | Exception missing in file for LTV above guideline requirements. | 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 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. |
Borrower has been employed in the same industry for more than [redacted]years. Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-21): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-17): EXCEPTION APPROVAL Reviewer Comment (2026-09-08): As per Matrix - Guideline page [redacted]. The max LTV for loan amount $[redacted]- [redacted]with fico over [redacted]is [redacted]%. As per 1008, exception is in file for [redacted]% LTV. Missing evidence of exception approval. Buyer Comment (2026-09-03): Please advise. The max LTV for loan amount $[redacted]- [redacted] with fico over [redacted]is [redacted]% |
09/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 226223542 | [Redacted] | [Redacted] | 37455966 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Exception missing in file for CLTV above guideline requirements. | 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 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. |
Borrower has been employed in the same industry for more than [redacted]years. Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted] years. Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-21): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-17): EXCEPTION APPROVAL Reviewer Comment (2026-09-08): As per Matrix - Guideline page [redacted]. The max LTV for loan amount $[redacted]- [redacted]with fico over [redacted]is [redacted]%. As per 1008, exception is in file for [redacted]% LTV. Missing evidence of exception approval. Buyer Comment (2026-09-03): Please advise. The max LTV for loan amount $[redacted]- [redacted]with fico over [redacted]is [redacted]% |
09/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||
| 226223583 | [Redacted] | [Redacted] | 37452333 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]did not disclose whether the loan will have an escrow account. | Required Final Closing Disclosure all pages with signature and date. Provided Closing Disclosure second and fourth pages missing in Loan File. | Reviewer Comment (2026-09-10): [redacted]received complete CD. Buyer Comment (2026-09-09): full copy of final signed cd upld |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223583 | [Redacted] | [Redacted] | 37452334 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year [redacted] Underdisclosed - [redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year [redacted] of on Final Closing Disclosure provided on [redacted] are underdisclosed. | Required Final Closing Disclosure all pages with signature and date. Provided Closing Disclosure [redacted]and [redacted] pages missing in Loan File. | Reviewer Comment (2026-09-09): [redacted]received all the pages of final CD Buyer Comment (2026-09-09): full copy of final signed cd upld to trl docs |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223583 | [Redacted] | [Redacted] | 37452335 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Required Final Closing Disclosure all pages with signature and date. Provided Closing Disclosure [redacted]and [redacted] pages missing in Loan File. | Reviewer Comment (2026-09-10): [redacted] received complete CD. Buyer Comment (2026-09-09): full copy of final signed cd upld to trl docs |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | If complete CD was provided to consumer at consummation, provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223583 | [Redacted] | [Redacted] | 37452336 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan contains Negative Amortization. | Required Final Closing Disclosure all pages with signature and date. Provided Closing Disclosure [redacted]and [redacted] pages missing in Loan File. | Reviewer Comment (2026-09-10): [redacted]received complete CD. Buyer Comment (2026-09-09): full copy of final signed cd upld to trl docs |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223583 | [Redacted] | [Redacted] | 37452337 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted]ncorrectly disclosed whether the loan allows for Partial Payments. | Required Final Closing Disclosure all pages with signature and date. Provided Closing Disclosure [redacted]and [redacted] pages missing in Loan File. | Reviewer Comment (2026-09-10): [redacted]received complete CD. Buyer Comment (2026-09-09): full copy of final signed cd upld to trl docs |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223583 | [Redacted] | [Redacted] | 37452338 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided onv [redacted] did not disclose the Monthly Escrow Payment. | Required Final Closing Disclosure all pages with signature and date. Provided Closing Disclosure [redacted]and [redacted] pages missing in Loan File. | Reviewer Comment (2026-09-09): [redacted]received all the pages of final CD. |
09/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223583 | [Redacted] | [Redacted] | 37452339 | 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. | Required Final Closing Disclosure all pages with signature and date. Provided Closing Disclosure [redacted]and [redacted] pages missing in Loan File. | Reviewer Comment (2026-09-09): [redacted]received all the pages of final CD. Buyer Comment (2026-09-09): full copy of final signed cd upld to trl docs |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226223583 | [Redacted] | [Redacted] | 37515678 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted]Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]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 at closing | Reviewer Comment (2026-09-09): Sufficient Cure Provided At Closing |
09/09/2026 | No | 1 | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||
| 226223883 | [Redacted] | [Redacted] | 37453876 | Compliance | Compliance | State Compliance | State HPML | [redacted] HPML Threshold Test 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]% Compliant Higher Priced Loan. | Buyer Comment (2026-09-03): on approved list |
09/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226223883 | [Redacted] | [Redacted] | 37453880 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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] 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 (2026-09-10): [redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-09-09): PCCD & LOX Reviewer Comment (2026-09-09): [redacted]received rebuttal. Title fees were disclosed in Section B which are tested at [redacted]% tolerance. Provider listed on SSPL is First Source Title Agency Title. Fees on CD were paid to [redacted] and [redacted]. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure. Buyer Comment (2026-09-04): The borrower shopped for title so the title fees are not held at [redacted]% they are held at a no tolerance. |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | 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 | |||||||||
| 226223904 | [Redacted] | [Redacted] | 37453243 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | The file is missing a copy of the Credit Report. | Reviewer Comment (2026-09-14): Received Credit Report. Exception cleared. Buyer Comment (2026-09-10): credit report upld |
09/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | VA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226223904 | [Redacted] | [Redacted] | 37453321 | 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 (2026-09-14): Received Credit Report. Exception cleared. Buyer Comment (2026-09-10): credit report upld to trl docs |
09/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226223904 | [Redacted] | [Redacted] | 37453323 | 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 [redacted] or more guideline components which could impact the borrower's ability to repay. Failure due to missing the credit report. | Reviewer Comment (2026-09-14): Received Credit Report. Exception cleared. Buyer Comment (2026-09-10): credit report upld to trl docs |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226223969 | [Redacted] | [Redacted] | 37453776 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-09-23): HELOC agreement received. Details verified andupdated. Exception cleared. Buyer Comment (2026-09-22): HELOC note Reviewer Comment (2026-09-15): Received Closing Disclosure and Note of [redacted]. Please provide mortgage statement to verify PITI of [redacted]lien $[redacted]. Exception remains. Buyer Comment (2026-09-14): Property docs |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226223969 | [Redacted] | [Redacted] | 37574366 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - FICO | Reviewer Comment (2026-09-17): Lender requested fico correction. Condition cleared. Buyer Comment (2026-09-15): Per[redacted] lock form, loan is Signature Agency where FICO is based off on the lowest middle score. B1 has [redacted]while B2 has [redacted]; [redacted]used [redacted] as it is the lowest middle score between the [redacted]. Please review [redacted](lock form) and [redacted](CBR) and update [redacted] as needed. |
09/17/2026 | No | 1 | A | A | A | A | A | PA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||||||
| 226224327 | [Redacted] | [Redacted] | 37458960 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226224410 | [Redacted] | [Redacted] | 37456086 | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | Issue Date: ___; Received Date: ___; Signed Date: ___ | Reviewer Comment (2026-09-16): LOX provided Doc #[redacted]and cd Doc #[redacted] Buyer Comment (2026-09-14): LOX Reviewer Comment (2026-09-14): [redacted] reviewed the PCCD issued[redacted] and LOE to borrower stating final CD had clerical error on the signature date of [redacted] instead of [redacted]. The[redacted] PCCD will not correct/cure the issue. The LOE does not specifically clarify the issue on the error. Please provide a lender's attestation that specifies why the CD in question, Doc ID [redacted], which has an [redacted] Issue date and reflects an [redacted] [redacted] PM PST timestamp, was wet signed by borrower on [redacted]. Was there an error by borrower on date signed? Please clarify the error and confirm and attest to actual sign date if [redacted] was not the correct date signed by borrower. Reviewer Comment (2026-09-14): EXCEPTION HISTORY - Exception Detail was updated on[redacted] PRIOR Exception Detail: Date Issued: [redacted] Buyer Comment (2026-09-10): PCCD, LOX Reviewer Comment (2026-09-09): Final CD issue date is [redacted] and received date before issue date [redacted] are not in chronological order. Exception remains. Buyer Comment (2026-09-04): What is the issue with the CD? it was issued[redacted] and signed on [redacted] which is normal |
09/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | B | A | A | A | B | A | A | A | Non QM | Non QM | No | |||||||||||
| 226224410 | [Redacted] | [Redacted] | 37456118 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226224421 | [Redacted] | [Redacted] | 37456368 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level [redacted]valuation does not support the value used to qualify. Sec ID: [redacted] | AVM obtained and in file does not support the appraised value within [redacted]%. A higher level [redacted]valuation product is required. | Reviewer Comment (2026-09-11): Desk review provided Buyer Comment (2026-09-09): CDA |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||||
| 226224421 | [Redacted] | [Redacted] | 37464963 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Lender used $[redacted]as PITIA on primary residence, however based on the mortgage statement in the file the actual payment is $[redacted]. | Reviewer Comment (2026-09-09): Updated 1008 and 1003 DTI [redacted]% Buyer Comment (2026-09-04): 1003 & 1008 Corrected |
09/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | |||||||||||
| 226224421 | [Redacted] | [Redacted] | 37574368 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy - FICO | Reviewer Comment (2026-09-17): Lender requested fico change to the lower score. Cleared. Buyer Comment (2026-09-15): Per [redacted] lock form, loan is Signature Agency where FICO is based off on the lowest middle score. B1 has [redacted]while B2 has [redacted]; [redacted]used [redacted]as it is the lowest middle score between the two. Please review [redacted](lock form) and [redacted](CBR) and update [redacted] as needed. |
09/17/2026 | No | 1 | A | A | A | A | A | TX | Investment | Purchase | C | A | C | A | A | A | C | A | N/A | N/A | No | ||||||||||||||||
| 226230197 | [Redacted] | [Redacted] | 37463551 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]business days of the Note. | - | Require VVOE within [redacted]business days from Note Date. | Reviewer Comment (2026-09-22): The borrower does not have any wage income. Qualification was based on the salary received from the [redacted]owned by the borrower. The paystub and [redacted] verification reflect the payroll company name, exception cleared. Buyer Comment (2026-09-18): please review docs on [redacted], [redacted], [redacted]and [redacted], [redacted] is [Redacted], google confirms [Redacted] is payroll company, bwr confirms with lox Reviewer Comment (2026-09-17): Required VVOE within [redacted]business days from Note Date for Wage income "[redacted]". Exception Remains Buyer Comment (2026-09-16): please point out where in the file you are seeing employment for[redacted] Reviewer Comment (2026-09-14): [redacted]is for a different company. Need VVOE within [redacted]business days from Note Date for Wage income[redacted]. Buyer Comment (2026-09-10): please see cpa letter dated [redacted] on [redacted] |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226230197 | [Redacted] | [Redacted] | 37463632 | 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 (2026-09-22): The borrower does not have any wage income. Qualification was based on the salary received from the[redacted] owned by the borrower. The paystub and [redacted] verification reflect the payroll company name, exception cleared. Buyer Comment (2026-09-18): please review docs on [redacted], [redacted], [redacted]and [redacted], [redacted] is [redacted], google confirms [redacted]is payroll company, bwr confirms with lox Reviewer Comment (2026-09-17): Required VVOE within [redacted]business days from Note Date for Wage income "[redacted]". Exception Remains Buyer Comment (2026-09-16): please point out where in the file you are seeing employment for [redacted] Reviewer Comment (2026-09-14): [redacted]is for a different company. Need VVOE within [redacted]business days from Note Date for Wage income [redacted]. Buyer Comment (2026-09-10): please see cpa letter dated [redacted] on [redacted] |
09/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226230197 | [Redacted] | [Redacted] | 37463680 | 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. | Require VVOE within [redacted]business days from Note Date. | Reviewer Comment (2026-09-22): The borrower does not have any wage income. Qualification was based on the salary received from thev owned by the borrower. The paystub and [redacted] r verification reflect the payroll company name, exception cleared. Buyer Comment (2026-09-18): please review docs on [redacted], [redacted], [redacted]and [redacted],[redacted] is [redacted], google confirms [Redacted] is payroll company, bwr confirms with lox Reviewer Comment (2026-09-17): Required VVOE within [redacted] business days from Note Date for Wage income "[redacted]". Exception Remains Buyer Comment (2026-09-16): please point out where in the file you are seeing employment for [redacted] Reviewer Comment (2026-09-14): [redacted]is for a different company. Need VVOE within [redacted]business days from Note Date for Wage income [redacted]. Buyer Comment (2026-09-10): please see cpa letter dated [redacted] on [redacted] |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226230824 | [Redacted] | [Redacted] | 37476907 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Payoff Statement(s) not provided | File is missing the mortgage payoff and a signed/dated close out letter for the Heloc paid at closing. | Reviewer Comment (2026-09-24): Cleared. Received payoff. Loan paid off at closing is installment Home equity loan. Reviewer Comment (2026-09-16): Provide signed close out letter for HELOC. Exception remains. Buyer Comment (2026-09-14): Please see the attached payoff as requested. The mortgage that was paid off was not a heloc. Please clear condition. |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226230826 | [Redacted] | [Redacted] | 37479085 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The 1008 indicates there is an approved lender exception. The lender exception form, approval and compensating factors was not located in the file. | Reviewer Comment (2026-09-15): Received lender exception form. Exception Cleared. Buyer Comment (2026-09-11): please see attached lender exception |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226230885 | [Redacted] | [Redacted] | 37470345 | Credit | Credit | Transaction Error | Credit | Transaction Error: Total Cash-out on a purchase transaction. | Borrower is receiving total cash-out of ___ on a purchase transaction. | The Final Closing Disclosure reflects the borrower is receiving $[redacted]cash back on a purchase transaction. This is due to a $[redacted]deposit made as well as $[redacted]in gift funds which was more than what was needed to close at the loan amount selected. The $[redacted]deposit was made from [redacted] for which there is no documentation for the account or access to funds in the file. | Reviewer Comment (2026-09-15): Trust document provided [redacted] Buyer Comment (2026-09-14): Please see attached Buyer Comment (2026-09-14): The $[redacted]reflected as cash to the borrower on the Final Closing Disclosure is not proceeds generated from the loan transaction or an interested-party contribution. The funds represent a return of the borrower's excess funds previously deposited toward the purchase transaction. The borrower deposited $[redacted] from the[redacted]Trust in addition to $[redacted]in documented gift funds. Because the total funds deposited exceeded the amount ultimately required to close at the selected loan amount, the excess funds were returned to the borrower at closing. Therefore, the cash back reflected on the Final CD represents a refund of excess funds contributed to the transaction and should not be considered prohibited cash back to the borrower. |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| 226230885 | [Redacted] | [Redacted] | 37478272 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Notes on the 1008 indicate an exception was requested for subject being a unique property; however, there is no exception form, approval or list of compensating factors found in the file. | 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 guideline required amount by the equivalent of [redacted]months PITIA or more. 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. |
Borrower has been employed in the same industry for more than [redacted]years. Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted]years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-15): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-11): Please see attached. |
09/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226230955 | [Redacted] | [Redacted] | 37471646 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Initial and Final 1003 Declarations reflect borrower intends to occupy the subject property as a primary residence. Additionally, the most recent bank statements in the file reflect the subject as the address. | Reviewer Comment (2026-09-23): Corrected 1003 received & occupancy updated correctly. Exception cleared. Buyer Comment (2026-09-22): revised 1003 upld |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226230955 | [Redacted] | [Redacted] | 37471697 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Power of Attorney (POA) not provided | Power of Attorney provided is not signed and notarized. | Reviewer Comment (2026-09-14): Received Power of Attorney is verified and associated, exception cleared. Buyer Comment (2026-09-10): poa upld |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226230955 | [Redacted] | [Redacted] | 37471707 | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___. | Lender Exception noted on 1008 for lack of reserves, however the Exception documents were not found in the file. | 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. 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. Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-14): Cleared. Received required document. Reviewer Comment (2026-09-14): Received lender exception approval for reserve shortage. Buyer Comment (2026-09-10): except aprvl upld |
09/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||
| 226230955 | [Redacted] | [Redacted] | 37471708 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Lender Exception noted on 1008 for lack of reserves, however the Exception documents were not found in the file. | 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. 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. Documentation Type: [redacted]Bank Statement Disposable Income: $[redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-14): Cleared. Received required document. Reviewer Comment (2026-09-14): Received lender exception approval for reserve shortage. Buyer Comment (2026-09-10): except aprvl upld to trl docs |
09/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Second Home | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||
| 226230955 | [Redacted] | [Redacted] | 37471723 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested 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 [redacted]Home). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Initial and Final 1003 Declarations reflect borrower intends to occupy the subject property as primary residence. | Reviewer Comment (2026-09-23): Corrected 1003 received & occupancy updated correctly. Exception cleared. Buyer Comment (2026-09-22): revised 1003 upld to trl docs |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226230955 | [Redacted] | [Redacted] | 37471724 | 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. | [redacted] finding due to reserve requirement not met. | Reviewer Comment (2026-09-14): Client elects to waive. Buyer Comment (2026-09-10): except aprvl upld to trl docs |
09/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226230955 | [Redacted] | [Redacted] | 37471727 | 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.) | Lender Exception noted on 1008 for lack of reserves, however the Exception documents were not found in the file. | Reviewer Comment (2026-09-14): Client elects to waive. Buyer Comment (2026-09-10): except aprvl upld to trl docs |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226230955 | [Redacted] | [Redacted] | 37471728 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-04): Sufficient Cure Provided At Closing |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226230955 | [Redacted] | [Redacted] | 37471764 | 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. | Lender Exception noted on 1008 for lack of reserves, however the Exception documents were not found in the file. | Reviewer Comment (2026-09-14): Client elects to waive. Buyer Comment (2026-09-10): except aprvl upld to trl docs |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226230956 | [Redacted] | [Redacted] | 37463494 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit report fee amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-09-03): Sufficient Cure Provided At Closing |
09/03/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | B | B | B | B | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226230956 | [Redacted] | [Redacted] | 37477320 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception approved for a non-warrantable condo due to critical repairs and lack of reserve funding. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. 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 qualifying DTI on the loan is at least [redacted]% less than the guideline maximum. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-04): Exception approved with comp factors. |
09/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226230957 | [Redacted] | [Redacted] | 37469756 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-04): Sufficient Cure Provided At Closing |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226230957 | [Redacted] | [Redacted] | 37469757 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-04): Sufficient Cure Provided At Closing |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226230957 | [Redacted] | [Redacted] | 37469758 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-04): Sufficient Cure Provided At Closing |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226230959 | [Redacted] | [Redacted] | 37472200 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] 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 Mortgage Loan. | Reviewer Comment (2026-09-14): Received Initial Appraisal is verified, exception cleared. Buyer Comment (2026-09-10): see uploaded Reviewer Comment (2026-09-10): Provide initial appraisal which was sent to borrower on [redacted] to verify the appraised value, exception remains. Buyer Comment (2026-09-08): anything needed for this? |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226230959 | [Redacted] | [Redacted] | 37472201 | 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 ([redacted]) business days prior to consummation. | Reviewer Comment (2026-09-14): Received Initial Appraisal is verified, exception cleared. Buyer Comment (2026-09-10): appraisal Reviewer Comment (2026-09-10): Provide initial appraisal which was sent to borrower on [redacted]to verify the appraised value, exception remains. Buyer Comment (2026-09-08): appraisal confirmations |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226230959 | [Redacted] | [Redacted] | 37472447 | 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 DTI variance. | Reviewer Comment (2026-09-15): Bid tape data has been corrected, exception cleared. Buyer Comment (2026-09-11): bid tape has been corrected |
09/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226230959 | [Redacted] | [Redacted] | 37472448 | 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. | Field Value DTI of [redacted]% is inline with 1008 DTI of [redacted]%. Bid tape field value differs from information provided in the file as Review DTI is the same as the DTI on the only 1008 in file. | Reviewer Comment (2026-09-15): Bid tape data has been corrected, exception cleared. Buyer Comment (2026-09-11): bid tape has been corrected |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 226230959 | [Redacted] | [Redacted] | 37473108 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Field Value DTI of [redacted]% is inline with 1008 DTI of [redacted]%. Bid tape field value differs from information provided in the file as Review DTI is the same as the DTI on the only 1008 in file. Unable to determine the difference. | Reviewer Comment (2026-09-15): Bid tape data has been corrected, exception cleared. Buyer Comment (2026-09-11): bid tape has been corrected |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226230959 | [Redacted] | [Redacted] | 37557602 | 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 revised valuation to applicant [redacted] ([redacted]) business days prior to consummation. Revised valuation reflects clerical change only, no impact to compliant HPML determination. | Primary appraisal sent on time, this is a Grade [redacted]exception, need to waive | Buyer Comment (2026-09-14): on approved waiver |
09/14/2026 | No | 2 | B | B | B | B | B | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 226230968 | [Redacted] | [Redacted] | 37468478 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Verification of Tax Return Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]with no valid change of circumstances and no cure was provided to borrower | Reviewer Comment (2026-09-24): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-22): PCCD with cure, sent out today |
09/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226230968 | [Redacted] | [Redacted] | 37468484 | 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. | The Title Preliminary Report in the file doesn't disclose the total policy coverage amount. Provide evidence of title with sufficient policy coverage. | Reviewer Comment (2026-09-17): Final title policy received. Buyer Comment (2026-09-15): Loan Policy |
09/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226230968 | [Redacted] | [Redacted] | 37468506 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Final Title Policy is not provided in the file. | Reviewer Comment (2026-09-17): Final title policy received. |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | B | B | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 226231075 | [Redacted] | [Redacted] | 37469344 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Extension Fee was last disclosed as $[redacted]on the 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. | Reviewer Comment (2026-09-14): [redacted]received valid rebuttal response with additional information and supporting rate lock document for a valid Changed circumstance. Buyer Comment (2026-09-11): The $[redacted]lock extension fee disclosed on the Final Closing Disclosure was a valid and necessary fee incurred because the original interest rate lock expired prior to closing. A valid Change of Circumstance (COC) was provided on[redacted] documenting the lock extension and the associated fee. Therefore, the increase from the previously disclosed $[redacted]on the Loan Estimate to $[redacted]on the Final Closing Disclosure was due to a valid change in circumstances and was appropriately disclosed. Please review the COC dated [redacted] and the supporting documentation in the file. The lock extension fee was not an unsupported or unexplained charge; it resulted directly from the expiration of the original lock period. Based on the documented COC and supporting evidence, please clear the condition. |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226231092 | [Redacted] | [Redacted] | 37470090 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 increased to $[redacted]with no valid Change of Circumstance found in the file. Lender Cure of $[redacted]was insufficient. | Reviewer Comment (2026-09-14): [redacted] received Post CD and LOX. Buyer Comment (2026-09-11): pccd with survey and attny fees moved to section h and title email confirming bwr opted for survey upld |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | 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 | |||||||||
| 226231092 | [Redacted] | [Redacted] | 37470091 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Attorney's Fee increased to $[redacted]no valid Change of Circumstance found in the file. Lender Cure of $[redacted]was insufficient. | Reviewer Comment (2026-09-14): [redacted]received Post CD and LOX. Buyer Comment (2026-09-11): pccd with survey and attny fees moved to section h and title email confirming bwr opted for survey upld to trl docs |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | 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 | |||||||||
| 226231092 | [Redacted] | [Redacted] | 37471246 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 increased to $[redacted]with no valid Change of Circumstance found in the file. Lender Cure of $[redacted]was insufficient. | Reviewer Comment (2026-09-11): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-09-10): please cancel, this was cured at close on final cd, sect j |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | 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 | |||||||||
| 226231092 | [Redacted] | [Redacted] | 37556830 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-14): Sufficient Cure Provided At Closing |
09/14/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226231093 | [Redacted] | [Redacted] | 37482870 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Statement for Second Lien on Primary Residence was not found in the file. | Reviewer Comment (2026-09-24): Bank Statement showing the mortgage payment for $[redacted], Exception Cleared. Buyer Comment (2026-09-23): A mortgage statement for the [redacted]lien is not required as the mortgage is reflected on the credit report (item [redacted]). Mortgage statements are requirements to prove if taxes and insurance are escrowed. Since this is a second mortgage obviously there are no escrows, and the escrows are verified as being included on the first mortgage. |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226231194 | [Redacted] | [Redacted] | 37469765 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee in Loan Estimate is $[redacted]and Closing Disclosure reflects $[redacted]. No valid Change of Circumstance in file, however lender provided sufficient cure at closing. | Reviewer Comment (2026-09-04): Sufficient Cure Provided At Closing |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226231240 | [Redacted] | [Redacted] | 37472611 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted]% tolerance was exceeded by $[redacted]due to the Transfer Tax Fee. A specific credit of $[redacted]has been provided as cure at closing. | Reviewer Comment (2026-09-04): Sufficient Cure Provided At Closing |
09/04/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226231262 | [Redacted] | [Redacted] | 37470342 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ | Reviewer Comment (2026-09-10): Final title with sufficient coverage, cleared |
09/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 226231262 | [Redacted] | [Redacted] | 37470425 | 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 preliminary title. | Reviewer Comment (2026-09-10): Final title with sufficient coverage, cleared Buyer Comment (2026-09-10): final title policy |
09/10/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | GA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||
| 226231307 | [Redacted] | [Redacted] | 37469893 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Final 1003 reflects refinance funds of $[redacted]to meet closing and reserve requirement, but no supporting documentation was found in the file. | Reviewer Comment (2026-09-16): Received closing statement. Exception cleared. Buyer Comment (2026-09-14): Please see attached. |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226231308 | [Redacted] | [Redacted] | 37586986 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | No | 1 | A | A | A | A | A | SC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226231921 | [Redacted] | [Redacted] | 37477515 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] Percent Fee Tolerance exceeded for appraisal fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-09-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-09-22): please see attached cure log, appraisal and credit report fees cured on final cd. please note second screen shot showing credit report fee disclosed as $[redacted]. per LE format restrictions, the 40 cents is not disclosed. $[redacted](LE) - $[redacted]= $-[redacted]credit report cure. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | 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 | |||||||||
| 226231921 | [Redacted] | [Redacted] | 37477516 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] Percent Fee Tolerance exceeded for credit report fee. Fee amount of $[redacted]exceeds tolerance of $[redacted]with no change of circumstances, but cure was provided to the borrower to justify this increase. | Reviewer Comment (2026-09-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-09-22): please see attached cure log, appraisal and credit report fees cured on final cd. please note second screen shot showing credit report fee disclosed as $[redacted]. per LE format restrictions, the [redacted]cents is not disclosed. $[redacted](LE) - $[redacted]= $-[redacted]credit report cure. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | 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 | |||||||||
| 226231921 | [Redacted] | [Redacted] | 37625343 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-23): Sufficient Cure Provided At Closing |
09/23/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226231921 | [Redacted] | [Redacted] | 37625344 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-23): Sufficient Cure Provided At Closing |
09/23/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226231927 | [Redacted] | [Redacted] | 37570858 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: FICO | Reviewer Comment (2026-09-17): As per response Information re-validated . Exception Cleared. Buyer Comment (2026-09-15): UPDATE: Per [redacted] lock form, loan was changed to Signature Agency where FICO was based off lowest middle score. B1's middle score is [redacted]while B2 is [redacted] (only has [redacted]scores). Please review [redacted](lock) & [redacted] (CBR), and update [redacted] as needed. Thank you. Buyer Comment (2026-09-15): Per[redacted]lock form, loan was changed to Signature Agency where FICO was based off lowest middle score. B1's middle score is [redacted]while B1 has [redacted](only has [redacted]scores). Please review [redacted](lock) & [redacted](CBR), and update [redacted] as needed. Thank you. |
09/17/2026 | No | 1 | A | A | A | A | A | NC | Second Home | Purchase | A | A | A | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||||
| 226232543 | [Redacted] | [Redacted] | 37496324 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment (2026-09-24): Credit Report not required for foreign national borrower. Exception Cleared. Buyer Comment (2026-09-23): Please refer to the Foreign National program guidelines that state A credit report and credit score are not required (unless borrower has a SSN which borrower does not have) |
09/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| 226232550 | [Redacted] | [Redacted] | 37483844 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Reviewer Comment (2026-09-10): Final settlement statement, cleared Buyer Comment (2026-09-10): final settlement statement |
09/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226232551 | [Redacted] | [Redacted] | 37483803 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - [redacted] Family not provided | The provided [redacted] Family Rider was not signed by the borrower. [redacted] Family Rider with the borrower's signature is required. | Reviewer Comment (2026-09-23): Rider -[redacted] Family, cleared Buyer Comment (2026-09-23): Please see attached Signed [redacted] Family Rider |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226232557 | [Redacted] | [Redacted] | 37479132 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Subject is a refinance transaction and the current vested owners on title is [redacted], not the borrowing [redacted] Please provide evidence tha[redacted] has an ownership interest in subject in order to verify continuous ownership . | Reviewer Comment (2026-09-11): Received operating statement reflecting ownership of borrower. Exception Cleared. Buyer Comment (2026-09-09): business docs upld |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226232875 | [Redacted] | [Redacted] | 37478085 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | HOA Error: Subject is located in a project and HOA Information was not provided. | - | Reviewer Comment (2026-09-18): Revalidated information from appraisal. Exception Cleared. Buyer Comment (2026-09-16): See top of page [redacted] "HOA FEE There is no HOA fee as this condo used to be a duplex at one point and was converted into [redacted]condo units. There is no HOAor HOA fees" Also see [redacted] |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226233159 | [Redacted] | [Redacted] | 37472844 | 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. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-09-09): Final title with sufficient coverage, cleared Buyer Comment (2026-09-09): final title policy |
09/09/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | ||||||||||||||
| 226233159 | [Redacted] | [Redacted] | 37473122 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-09-09): Final title with sufficient coverage, cleared |
09/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||||
| 226233159 | [Redacted] | [Redacted] | 37570860 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Data discrepancy: FICO | Reviewer Comment (2026-09-17): FICO Score Qualified as per guideline requirements. Exception cleared. Buyer Comment (2026-09-15): [redacted]used [redacted]as it is the highest middle score (SigEx - DSCR). Please review [redacted], thank you. |
09/17/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||||||||
| 226233161 | [Redacted] | [Redacted] | 37476263 | Credit | Insurance | Insurance Analysis | 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 (2026-09-17): Hazard Insurance Policy for subject Dwelling amount covering the Loan amount. Exception cleared. Buyer Comment (2026-09-15): please cancel, the eoi on [redacted]reflects the coverage amount for [redacted] is $[redacted]which is the loan amount. |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226233382 | [Redacted] | [Redacted] | 37477458 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-11): E-Sign Consent Agreement received, exception cleared Buyer Comment (2026-09-09): audit trail |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226233382 | [Redacted] | [Redacted] | 37477509 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | [redacted] Document was not found in file. | Reviewer Comment (2026-09-11): Received [redacted], Exception Cleared Buyer Comment (2026-09-09): [redacted]card |
09/11/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226233382 | [Redacted] | [Redacted] | 37477533 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of[redacted] Status not provided | Verification of [redacted]Document was not found in file. | Reviewer Comment (2026-09-11): Received [redacted], Exception Cleared Buyer Comment (2026-09-09): see uploaded |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226233382 | [Redacted] | [Redacted] | 37477549 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] 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 Mortgage Loan. | Loan is non-compliant HPML due to missing evidence of appraisal delivery three days prior to closing. | Reviewer Comment (2026-09-11): Appraisal delivery receipt received & associated. Exception cleared. Buyer Comment (2026-09-09): see uploaded |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226233382 | [Redacted] | [Redacted] | 37477550 | 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 ([redacted]) business days prior to consummation. | Verification Appraisal delivery to the borrower was not found in file. | Reviewer Comment (2026-09-11): Appraisal delivery receipt received & associated. Exception cleared. Buyer Comment (2026-09-09): appraisal delivery |
09/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226234220 | [Redacted] | [Redacted] | 37473944 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-09-23): UCDP with acceptable risk score received, exception cleared Buyer Comment (2026-09-23): Please see attached UCDP indicating a [redacted]appraisal was not required |
09/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | VA | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 226234253 | [Redacted] | [Redacted] | 37471808 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster[redacted] | SitusAMC,Aggregator | Reviewer Comment (2026-09-23): Client elects to waive with compensating factors. Buyer Comment (2026-09-23): Post Disaster inspection report was provided and can be found in [redacted]. Report indicates no damage and that the neighborhood was not impacted. |
09/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | IN | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| 226234253 | [Redacted] | [Redacted] | 37471814 | Property | Insurance | General | Insurance | FEMA Disaster Issue: The most recent valuation inspection is dated on or after the most recent FEMA disaster declaration date. However, FEMA has not yet specified a Disaster End Date. | Reviewer Comment (2026-09-23): Received Post closing inspection. Cleared. |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IN | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| 226235182 | [Redacted] | [Redacted] | 37482897 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Please provide signed and dated from co joint account holder in [redacted][redacted]to access the funds. Additional requirement may apply. | Reviewer Comment (2026-09-24): Per guidelines, Assets in jointly held accounts may be used in full without a joint access letter from a non-borrowing account holder. Exception Cleared. Buyer Comment (2026-09-23): Joint account holders are not required to give consent for the other owner to access the funds as any joint owner has [redacted]% access to their account at anytime. This is no longer a lending requirement. Also, the account in question is a not a joint account, it's a representative payee bank account whereas the account belongs to the borrower and the Rep Payee is an appointed representative to manage the account if required/needed. |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226235187 | [Redacted] | [Redacted] | 37482229 | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. | - | Missing for [redacted] | Reviewer Comment (2026-09-16): Received OFAC as required. Exception cleared. Buyer Comment (2026-09-14): OFAC |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226235187 | [Redacted] | [Redacted] | 37482231 | Credit | Business Purpose | General | Business Purpose | Verification of Borrower's identity is missing. | - | Reviewer Comment (2026-09-16): Managing Member, no information required. Exception cleared. Buyer Comment (2026-09-14): [redacted] is a managing member. See OFAC uploaded. |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226235187 | [Redacted] | [Redacted] | 37482247 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Reviewer Comment (2026-09-16): Revalidated information. Exception cleared. Buyer Comment (2026-09-14): Rebuttal |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226235187 | [Redacted] | [Redacted] | 37513968 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-09-16): Managing Member, no information required. Exception cleared. Buyer Comment (2026-09-14): See [redacted] |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226235362 | [Redacted] | [Redacted] | 37482804 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-18): Received E-Sign Consent Agreement. Exception cleared. Buyer Comment (2026-09-17): eConsent |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226235362 | [Redacted] | [Redacted] | 37482805 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-09-18): Received Hazard Insurance Policy and Replacement Cost Estimator. Exception cleared. Buyer Comment (2026-09-17): Hazard |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226235362 | [Redacted] | [Redacted] | 37482813 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML [redacted] 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 Mortgage Loan. | Appraisal Report dated[redacted] missing evidence of receipt. | Reviewer Comment (2026-09-18): Received Appraisal receipt. Exception cleared. Buyer Comment (2026-09-17): Appraisal receipt |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226235362 | [Redacted] | [Redacted] | 37482814 | 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 [redacted]([redacted]) business days prior to consummation. | Appraisal Report dated[redacted] missing evidence of receipt. | Reviewer Comment (2026-09-18): Received Appraisal receipt. Exception cleared. |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226235635 | [Redacted] | [Redacted] | 37484470 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | [redacted]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 (2026-09-21): Updated Notice of Flood hazard received. Exception cleared. Buyer Comment (2026-09-17): Flood |
09/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | ||||||||||
| 226235635 | [Redacted] | [Redacted] | 37484483 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance documents missing for the REO property address.[redacted] and [redacted]: | Reviewer Comment (2026-09-22): Received Insurance verification statement. Verified and updated details. Exception Cleared. Buyer Comment (2026-09-21): Impounded |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | ||||||||||
| 226235635 | [Redacted] | [Redacted] | 37484484 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA verification, Insurance verification, Lease Agreement, Statement missing for the REO property address. | Reviewer Comment (2026-09-22): Received 1007 rent comparable schedule reflets property is vacant. Verified and updated details. Exception Cleared. Buyer Comment (2026-09-21): 1007 Reviewer Comment (2026-09-21): Lease Agreement is missing in file for property[redacted]. Exception remains. Buyer Comment (2026-09-17): Property docs |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | B | A | A | A | N/A | N/A | No | ||||||||||
| 226235644 | [Redacted] | [Redacted] | 37482802 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification was not found for the property address [redacted] | Reviewer Comment (2026-09-14): Received Hazard Insurance for REO Property as required. Exception cleared. Buyer Comment (2026-09-10): REO HOI |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226235647 | [Redacted] | [Redacted] | 37484080 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-07): Sufficient Cure Provided At Closing |
09/07/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226235652 | [Redacted] | [Redacted] | 37486409 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the HOA Verification, Lease Agreement, and Statement for property #[redacted] | Reviewer Comment (2026-09-15): Received final closing disclosure and PITIA verified. Exception cleared. Buyer Comment (2026-09-14): final cd Reviewer Comment (2026-09-14): Required final CD or statement to verify PITI $[redacted]. Exception remains. Buyer Comment (2026-09-11): REO |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226235652 | [Redacted] | [Redacted] | 37486411 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing a copy of the HOA Verification, Lease Agreement, and Statement for property #[redacted] | Reviewer Comment (2026-09-15): Received final closing disclosure and PITIA verified. Exception cleared. Buyer Comment (2026-09-14): final cd Reviewer Comment (2026-09-14): Required Final CD or first payment letter for [redacted]mortgage ending with #[redacted]to verify PITI. Exception remains. Buyer Comment (2026-09-11): reo |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226235652 | [Redacted] | [Redacted] | 37486421 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. | Reviewer Comment (2026-09-15): Received replacement cost estimator for flood insurance. Exception cleared. Buyer Comment (2026-09-14): RCE Reviewer Comment (2026-09-14): Flood coverage is insufficient by $[redacted]. Provide updated policy or provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception remains. Buyer Comment (2026-09-10): flood calculator |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| 226235754 | [Redacted] | [Redacted] | 37685232 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-25): Sufficient Cure Provided At Closing |
09/25/2026 | No | 1 | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226240259 | [Redacted] | [Redacted] | 37569635 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-15): Sufficient Cure Provided At Closing |
09/15/2026 | No | 1 | A | A | A | A | A | MN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| 226240984 | [Redacted] | [Redacted] | 37498961 | 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] ([redacted]) business days prior to closing. | Initial Closing Disclosure was not provided to borrower at least [redacted]business days prior to closing. | Reviewer Comment (2026-09-16): [redacted]received disclosure summary Buyer Comment (2026-09-15): audit trail Reviewer Comment (2026-09-15): [redacted]acknowledged that the below comment. However, the proof of earliest receipt was not located in the loan file. Provide proof of earliest receipt for testing. Buyer Comment (2026-09-14): We have complied with TRID by obtaining eConsent and delivering the Initial Closing Disclosure to the Borrowers three days or more before closing. The borrowers gave eConsent to have docs electronically delivered to them prior to docs being disclosed. Docs were delivered, provided, available and accessible to the borrowers on [redacted] - which is more than three days before closing ([redacted]). We obeyed the timing rule that states the initial CD needs to be delivered [redacted]days before closing. Please clear this condition for us, Thank you! Reviewer Comment (2026-09-14): [redacted]CD dated[redacted] is viewed/ Signed by borrower on [redacted]which is within [redacted]days of the closing date [redacted]. Provide evidence that CD viewed by borrower [redacted]days prior to closing date which is[redacted] or prior. Buyer Comment (2026-09-11): The CD timing was within [redacted]days.[redacted] is day [redacted], [redacted]is day [redacted], [redacted] is day [redacted]and [redacted] is the earliest closing date |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| 226240984 | [Redacted] | [Redacted] | 37498963 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for [redacted]Guaranty Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | TX Guaranty Fee of $[redacted]was not disclosed on initial Loan Estimate. No valid change in circumstance or cure for borrower provided. | Reviewer Comment (2026-09-16): [redacted]received PCCD, LOE, proof of mailing & copy of refund check Buyer Comment (2026-09-15): PCCD, LOX, Label and Check |
09/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226240984 | [Redacted] | [Redacted] | 37525770 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 not disclosed on the initial Loan Estimate. No valid Change in Circumstance or cure was provided for the borrower. | Reviewer Comment (2026-09-16): [redacted]received PCCD, LOE, proof of mailing & copy of refund check Buyer Comment (2026-09-15): see uploaded |
09/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226240984 | [Redacted] | [Redacted] | 37525771 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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 not disclosed on the initial Loan Estimate. No valid Change in Circumstance or cure was provided for the borrower. | Reviewer Comment (2026-09-16): [redacted]received PCCD, LOE, proof of mailing & copy of refund check Buyer Comment (2026-09-15): see uploaded |
09/16/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | 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 | |||||||||
| 226240999 | [Redacted] | [Redacted] | 37497540 | 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. | [redacted] due to missing Most Recent Personal Tax Return ([redacted]) and all schedules, Third Party Verification within [redacted]days prior to note date, and YTD P&L. | Reviewer Comment (2026-09-23): Tax extension and verification of employment available, exception cleared Buyer Comment (2026-09-21): The borrower is [redacted] [redacted]. Extensions for 1040 is [redacted]and VVOE [redacted] |
09/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226240999 | [Redacted] | [Redacted] | 37497541 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | [redacted] due to missing Most Recent Personal Tax Return ([redacted]) and all schedules, Third Party Verification within [redacted]days prior to note date, and YTD P&L. | Reviewer Comment (2026-09-23): Tax extension and verification of employment available, exception cleared Buyer Comment (2026-09-21): The borrower is [redacted] [redacted]. Extensions for 1040 is [redacted]and VVOE [redacted] |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226240999 | [Redacted] | [Redacted] | 37497542 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | [redacted] due to missing Most Recent Personal Tax Return ([redacted]) and all schedules, Third Party Verification within [redacted]days prior to note date, and YTD P&L. | Reviewer Comment (2026-09-23): Tax extension and verification of employment available, exception cleared |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226240999 | [Redacted] | [Redacted] | 37497543 | 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]. | [redacted] due to missing Most Recent Personal Tax Return ([redacted]) and all schedules. | Reviewer Comment (2026-09-23): Extensions for 1040 is [redacted] Buyer Comment (2026-09-21): The borrower is[redacted]. Extensions for 1040 is [redacted] |
09/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226240999 | [Redacted] | [Redacted] | 37525987 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | [redacted] due to missing Most Recent Personal Tax Return ([redacted]) and all schedules, Third Party Verification within [redacted]days prior to note date, and YTD P&L. | Reviewer Comment (2026-09-23): Tax extension and verification of employment available, exception cleared Buyer Comment (2026-09-21): The borrower is [redacted] [redacted]. Extensions for 1040 is [redacted] and VVOE [redacted] |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226240999 | [Redacted] | [Redacted] | 37525993 | 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. | [redacted] due to missing Most Recent Personal Tax Return ([redacted]) and all schedules, Third Party Verification within [redacted]days prior to note date, and YTD P&L. | Reviewer Comment (2026-09-23): Tax extension and verification of employment available, exception cleared Buyer Comment (2026-09-21): The borrower is [redacted] [redacted] Extensions for 1040 is [redacted]and VVOE [redacted] |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226240999 | [Redacted] | [Redacted] | 37525994 | 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 [redacted] 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.) | [redacted] due to missing Most Recent Personal Tax Return ([redacted]) and all schedules, Third Party Verification within [redacted]days prior to note date, and YTD P&L. | Reviewer Comment (2026-09-23): Tax extension and verification of employment available, exception cleared Buyer Comment (2026-09-21): The borrower is [redacted] [redacted]. Extensions for 1040 is [redacted]and VVOE [redacted] |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226241024 | [Redacted] | [Redacted] | 37487628 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not found in file. | Reviewer Comment (2026-09-17): Received Business Purpose Certificate as required. Exception cleared. Buyer Comment (2026-09-15): [redacted]attached |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226241027 | [Redacted] | [Redacted] | 37495258 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-08): Sufficient Cure Provided At Closing |
09/08/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226241080 | [Redacted] | [Redacted] | 37500547 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Reviewer Comment (2026-09-15): Corrected 1003 application date and initial rate lock document provided in file. Exception cleared. Seller Comment (2026-09-14): Lender LOX regarding processing fee Seller Comment (2026-09-14): Please clarify what document is needed - not clear |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | OK | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226241080 | [Redacted] | [Redacted] | 37500555 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within [redacted] ([redacted]) business days of application. | Reviewer Comment (2026-09-15): Corrected 1003 application date. Exception cleared. Seller Comment (2026-09-14): E certificate-initial docs[redacted] |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226241080 | [Redacted] | [Redacted] | 37500557 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Reviewer Comment (2026-09-15): Received Right to Cancel. Exception cleared. Seller Comment (2026-09-14): Right to cancel |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226241159 | [Redacted] | [Redacted] | 37503812 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-09): Sufficient Cure Provided At Closing |
09/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226241225 | [Redacted] | [Redacted] | 37496110 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance policy for subject property not provided in file. | Reviewer Comment (2026-09-15): Received Hazard Insurance Policy. Exception Cleared Buyer Comment (2026-09-11): HOI |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226242888 | [Redacted] | [Redacted] | 37550052 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | Diligence DTI and bid tape DTI does not meet [redacted]requirements; Bid Tape value is below [redacted]%, and Due Diligence Calculation is above [redacted]%. | Reviewer Comment (2026-09-16): [redacted]financing updated to $[redacted]as ballon loan. DTI matched. Buyer Comment (2026-09-14): Please correct the P&I for the secondary financing. It should be [redacted] |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226242888 | [Redacted] | [Redacted] | 37550060 | 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. | Diligence DTI and bid tape DTI does not meet [redacted]requirements; Bid Tape value is below [redacted]%, and Due Diligence Calculation is above [redacted]%. | Reviewer Comment (2026-09-16): [redacted]financing updated to $[redacted]as ballon loan. DTI matched. Buyer Comment (2026-09-14): Please correct the P&I for the secondary financing. It should be [redacted] |
09/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226242888 | [Redacted] | [Redacted] | 37550061 | 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. | Diligence DTI and bid tape DTI does not meet [redacted]requirements; Bid Tape value is below [redacted]%, and Due Diligence Calculation is above [redacted]%. | Reviewer Comment (2026-09-16): [redacted]financing updated to $[redacted]as ballon loan. DTI matched. Buyer Comment (2026-09-14): Please correct the P&I for the secondary financing. It should be [redacted] |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226243386 | [Redacted] | [Redacted] | 37499025 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | 1008 reflects that a lender exception was approved to use a higher rent amount; however, the Lender Exception Document is missing from the file. Lender exception approved for use of $[redacted]/mo rent vs the market rent of $[redacted]. |
Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted]months PITIA or more. Miscellaneous |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Long term homeownership. |
Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-09-17): . Reviewer Comment (2026-09-17): Client elects to waive with compensating factors. Buyer Comment (2026-09-15): an additional comp factor is the borrower has [redacted]months reserves Reviewer Comment (2026-09-15): Please provided Lender exception with Comp factors to support lender exception. One provided missing comp factors. Buyer Comment (2026-09-11): exception |
09/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226243386 | [Redacted] | [Redacted] | 37499058 | 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 requirements. Lender exception approval for [redacted]% LTV vs the max of [redacted]%. |
Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted]months PITIA or more. Miscellaneous |
Actual Reserves: $[redacted] Required Reserves: $[redacted] Long term homeownership. |
Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-09-17): . Reviewer Comment (2026-09-17): Client elects to waive with compensating factors. Buyer Comment (2026-09-15): an additional comp factor is the borrower has [redacted]months reserves Reviewer Comment (2026-09-15): Please provided Lender exception with Comp factors to support lender exception. One provided missing comp factors. Buyer Comment (2026-09-11): see uploaded noted on exception |
09/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | GA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||
| 226243610 | [Redacted] | [Redacted] | 37506620 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification was not found in file. | Reviewer Comment (2026-09-16): As per property history report property is Vacant. No HOI policy required. Exception Cleared. Buyer Comment (2026-09-14): Subject property consists of vacant land only with no dwelling or insurable improvements. Therefore, hazard insurance is not required. Please clear condition. |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226248466 | [Redacted] | [Redacted] | 37507258 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Provided corporate resolution reflects loan amount different from subject loan amount. | Reviewer Comment (2026-09-14): Loan amount provided on the corporate resolution covers the loan amount. Exception cleared. Buyer Comment (2026-09-10): The amount on the letter is over the loan amount which is allowed. please cancel invalid condition |
09/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226249333 | [Redacted] | [Redacted] | 37504007 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Award Letter of Co-borrower's pension income is missing in the file. | Reviewer Comment (2026-09-23): Received Award Letter. Exception cleared Buyer Comment (2026-09-22): Pension |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226249333 | [Redacted] | [Redacted] | 37504138 | 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. | [redacted] due to Co-borrower's Award Letter is missing in the file of pension income. | Reviewer Comment (2026-09-23): Received Award Letter. Exception cleared |
09/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226249333 | [Redacted] | [Redacted] | 37504139 | 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. | [redacted] due to Co-borrower's Award Letter is missing in the file of pension income. | Reviewer Comment (2026-09-23): Received Award Letter. Exception cleared |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226249421 | [Redacted] | [Redacted] | 37511419 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-09-16): Cleared. Received updated title. Buyer Comment (2026-09-15): Title |
09/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NJ | Investment | Refinance - Cash-out - Other | B | A | B | A | A | A | N/A | No | |||||||||||||||
| 226250543 | [Redacted] | [Redacted] | 37512454 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification was not found in file. | Reviewer Comment (2026-09-16): Driver's license and Patriot Act form, cleared Buyer Comment (2026-09-15): Patriot Act Form |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226250565 | [Redacted] | [Redacted] | 37520343 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-10): Sufficient Cure Provided At Closing |
09/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226250566 | [Redacted] | [Redacted] | 37521633 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement was not found in file for the second lien of $[redacted]for property[redacted]. | Reviewer Comment (2026-09-24): Received Final Closing Disclosure for [redacted]P&I $[redacted] associated, Exception Cleared. Buyer Comment (2026-09-23): HELOC statement |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226250566 | [Redacted] | [Redacted] | 37524984 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Bridge loan Document is not in file. | Reviewer Comment (2026-09-24): Bridge loan CD is provided in file, Exception Cleared Buyer Comment (2026-09-23): Bridge Loan |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226250566 | [Redacted] | [Redacted] | 37524985 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Unable to verify the Mortgage Statement/[redacted]bridge balance for the property at [redacted]. | Reviewer Comment (2026-09-24): Bridge loan CD is provided in file, Exception Cleared |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226250566 | [Redacted] | [Redacted] | 37525011 | 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 (2026-09-24): Received Final Closing Disclosure for [redacted]P&I $[redacted]associated, Exception Cleared. |
09/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226250566 | [Redacted] | [Redacted] | 37525012 | 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.) | Reviewer Comment (2026-09-24): Received Final Closing Disclosure for [redacted]P&I $[redacted]associated, Exception Cleared. |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226250566 | [Redacted] | [Redacted] | 37525025 | 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. | [redacted] due to the missing mortgage statement for the [redacted] | Reviewer Comment (2026-09-24): Bridge loan CD is provided in file, Exception Cleared |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226250573 | [Redacted] | [Redacted] | 37516110 | 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. | Coverage amount not provided on preliminary title. | Reviewer Comment (2026-09-17): Page [redacted]item A of Title Preliminary report specifies coverage policy amount of $[redacted]. Exception cleared. Buyer Comment (2026-09-15): email from title - see page [redacted]of the title work |
09/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Second Home | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226250583 | [Redacted] | [Redacted] | 37518026 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception noted on 1008 for Business Assets Allowance. Lender Exception document was not found in the file so unable to verify details of exception. | The representative FICO score exceeds the guideline minimum by at least [redacted]points. 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]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [redacted]%. |
Guidelines Representative FICO: [redacted] Representative FICO: [redacted] Disposable Income: $[redacted] Loan to Value: [redacted]% Guideline Maximum Loan to Value: [redacted]% |
SitusAMC,Aggregator Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-15): Client elects to waive with comp factors. Seller Comment (2026-09-15): approval is attached, please waive items Reviewer Comment (2026-09-15): Please provide a lender exception approval with compensating factors to downgrade and waive the excepiton. Seller Comment (2026-09-11): Exception Approval attached |
09/15/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Second Home | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226250693 | [Redacted] | [Redacted] | 37525790 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file. | Reviewer Comment (2026-09-24): E-Sign Consent Agreement associated, Exception Cleared. Buyer Comment (2026-09-23): eConsent |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226250693 | [Redacted] | [Redacted] | 37525878 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Declining Prepayment Rider was not found in file. | Reviewer Comment (2026-09-24): Prepayment Rider associated, Exception Cleared. Buyer Comment (2026-09-23): rider |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| 226250700 | [Redacted] | [Redacted] | 37524228 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-10): Sufficient Cure Provided At Closing |
09/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226250700 | [Redacted] | [Redacted] | 37524229 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-10): Sufficient Cure Provided At Closing |
09/10/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226251445 | [Redacted] | [Redacted] | 37560909 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for Non-Warrantable Condo due to budget short on reserves - insufficient reserves. Comp factors include FICO >[redacted]points, debt [redacted]% or more under requirement, residual income $[redacted]or more, and minimal consumer debt. | 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 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. |
Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted]years. Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] DTI: [redacted]% Guideline Maximum DTI: [redacted]% Guidelines Representative FICO:[redacted] Representative FICO: [redacted] |
Originator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-17): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-15): See [redacted] |
09/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||
| 226254090 | [Redacted] | [Redacted] | 37545689 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | No tax information was found in the file. | Reviewer Comment (2026-09-17): Received Hazard Insurance document. Exception Cleared. Buyer Comment (2026-09-15): this property is a co-op |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226254449 | [Redacted] | [Redacted] | 37516325 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | Reviewer Comment (2026-09-18): Full review project approval in the file. Cleared. Buyer Comment (2026-09-16): See [redacted] |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226254449 | [Redacted] | [Redacted] | 37565490 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title commitment schedule B part 1 item #[redacted]and #[redacted]reflects mortgages in the amount of $[redacted]and $[redacted]. HUD 1 reflects a mortgage payoff of $[redacted]and $[redacted]. Please provide evidence the liens have been satisfied and will not have negative impact on final title policy. | Reviewer Comment (2026-09-25): Doc #[redacted]is email from title confirming were paid Buyer Comment (2026-09-23): Title email |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226254465 | [Redacted] | [Redacted] | 37507603 | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo/co-op is warrantable. | - | HOA Questionnaire is missing from the file. | Reviewer Comment (2026-09-17): Project approval already in file. Exception Cleared. Buyer Comment (2026-09-15): See [redacted]. FNMA approved condo. Also see [redacted]approval. |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| 226254593 | [Redacted] | [Redacted] | 37550892 | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Reviewer Comment (2026-09-24): Trust document is provided in file-Exception cleared Buyer Comment (2026-09-23): the property was obtained individually and a trust was created Reviewer Comment (2026-09-21): Borrower is married and residing in community property states. Spousal Consent form is required. Exception Remains. Buyer Comment (2026-09-18): email from title |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226259876 | [Redacted] | [Redacted] | 37530539 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year [redacted]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. | Appraisal and Letter from Borrower both verify a HOA fee is applicable, however the lender did not include the $[redacted]/annual fee in the final 1003 or the final Closing Disclosure. | Reviewer Comment (2026-09-25): [redacted]received corrected PCCD and LOE Buyer Comment (2026-09-24): PCCD with letter |
09/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MI | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| 226259879 | [Redacted] | [Redacted] | 37543452 | Credit | Guideline | Guideline Issue | Guideline | Loan does not meet guideline requirements regarding DTI variance. | DTI discrepancy due to final 1003 reflects REO # [redacted]as pending sale, however, no supporting documentation for the sale transaction are provided. | Reviewer Comment (2026-09-22): Supporting documents to exclude PITIA of departing residence received, DTI within threshold, exception cleared Buyer Comment (2026-09-21): appraisal Reviewer Comment (2026-09-21): If the PITIA payment of [redacted] property is excluded from the DTI using Sale of Departing address provision of the guideline then a full or exterior only appraisal evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property is required. Exception remains Buyer Comment (2026-09-17): listing agreement |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226259879 | [Redacted] | [Redacted] | 37543455 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI discrepancy due to final 1003 reflects REO # [redacted] as pending sale, however, no supporting documentation for the sale transaction are provided. | Reviewer Comment (2026-09-22): Supporting documents to exclude PITIA of departing residence received, DTI within threshold, exception cleared Buyer Comment (2026-09-21): see uploaded Reviewer Comment (2026-09-21): If the PITIA payment of [redacted] property is excluded from the DTI using Sale of Departing address provision of the guideline then a full or exterior only appraisal evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property is required. Exception remains Buyer Comment (2026-09-17): see uploaded |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226259879 | [Redacted] | [Redacted] | 37543475 | 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. | DTI discrepancy due to final 1003 reflects REO # [redacted]as pending sale, however, no supporting documentation for the sale transaction are provided. | Reviewer Comment (2026-09-22): Supporting documents to exclude PITIA of departing residence received, DTI within threshold, exception cleared. Buyer Comment (2026-09-21): see uploaded Reviewer Comment (2026-09-21): If the PITIA payment of [redacted] property is excluded from the DTI using Sale of Departing address provision of the guideline then a full or exterior only appraisal evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property is required. Exception remains Buyer Comment (2026-09-17): see uploaded |
09/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226259879 | [Redacted] | [Redacted] | 37543476 | 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. | DTI discrepancy due to final 1003 reflects REO # [redacted]as pending sale, however, no supporting documentation for the sale transaction are provided. | Reviewer Comment (2026-09-22): Supporting documents to exclude PITIA of departing residence received, DTI within threshold, exception cleared. Buyer Comment (2026-09-21): see uploaded Reviewer Comment (2026-09-21): If the PITIA payment of [redacted] property is excluded from the DTI using Sale of Departing address provision of the guideline then a full or exterior only appraisal evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property is required. Exception remains Buyer Comment (2026-09-17): see uploaded |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226259879 | [Redacted] | [Redacted] | 37543477 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [redacted](c)(5) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to [redacted]-B.) | DTI discrepancy due to final 1003 reflects REO # [redacted] as pending sale, however, no supporting documentation for the sale transaction are provided. | Reviewer Comment (2026-09-22): Supporting documents to exclude PITIA of departing residence received, DTI within threshold, exception cleared Buyer Comment (2026-09-21): see uploaded Reviewer Comment (2026-09-21): If the PITIA payment of [redacted] property is excluded from the DTI using Sale of Departing address provision of the guideline then a full or exterior only appraisal evidencing the departing residence hast at least [redacted]% equity after deduction of all liens outstanding against the property is required. Exception remains Buyer Comment (2026-09-17): see uploaded |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226259923 | [Redacted] | [Redacted] | 37531110 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception was approved at origination for manufactured home in PUD area. Exception approval missing from file. Lender exception approved for manufactured housing which are ineligible. |
Borrower has verified disposable income of at least $[redacted]. Borrower's monthly mortgage payment has decreased 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 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. |
Documentation Type: Retirement Income - Fully Verified Disposable Income: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-21): Client elects to waive with compensating factors. Buyer Comment (2026-09-17): exception |
09/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OR | Primary | Purchase | C | B | C | B | C | A | C | A | Non QM | Non QM | No | ||||||||
| 226259923 | [Redacted] | [Redacted] | 37531172 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Appraisal was made subject to following inspection to obtaining an [redacted]Letter ensuring the subject is in compliance with HUD quality, health, and safety standards. Per appraiser comment, HUD Data Plate/Certificate of Compliance and serial number on Energy Label were not found. | Reviewer Comment (2026-09-25): Received corrected appraisal document and associated, Exception cleared. Buyer Comment (2026-09-24): corrected appraisal report |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | B | C | B | C | A | C | A | Non QM | Non QM | No | ||||||||||
| 226259923 | [Redacted] | [Redacted] | 37531314 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[redacted] disclosed an inaccurate Finance Charge on page [redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted]is under disclosed by $[redacted]compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted]threshold. Disclosed Amount Financed on page [redacted]is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. Variance of $[redacted]. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under-disclosed amount, Corrected Closing Disclosure, and Re-open Rescission if applicable. | Reviewer Comment (2026-09-18): [redacted]received LOE. Buyer Comment (2026-09-17): see attached and remove from your APR fees |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | B | C | A | C | A | Non QM | Non QM | Yes | |||||||||
| 226259926 | [Redacted] | [Redacted] | 37531231 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-09-17): UCDP with acceptable risk score received, exception cleared Buyer Comment (2026-09-16): SSR |
09/17/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Rate/Term | D | A | A | A | D | A | N/A | No | |||||||||||||||
| 226264011 | [Redacted] | [Redacted] | 37547579 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement was not found in file. | Reviewer Comment (2026-09-22): E-sign Consent Agreement received. Exception Cleared. Buyer Comment (2026-09-21): proof econsent accepted upld |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226264550 | [Redacted] | [Redacted] | 37547682 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | The file is missing documentation to verify the Bridge Loan funds disclosed on the co-borrower's 1003, resulting in the borrower short verified funds for the required reserves. | Reviewer Comment (2026-09-22): Bridge loan CD received & asset updated. Exception cleared. Buyer Comment (2026-09-18): Bridge cd |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226264550 | [Redacted] | [Redacted] | 37547755 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | The file is missing documentation to verify the Bridge Loan funds disclosed on the co-borrower's 1003, resulting in the borrower short verified funds. | Reviewer Comment (2026-09-22): Bridge loan CD received & asset updated. Exception cleared. Buyer Comment (2026-09-18): see uploaded |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226264550 | [Redacted] | [Redacted] | 37547846 | 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. | [redacted] due to Asset Requirement not met. | Reviewer Comment (2026-09-22): Bridge loan CD received & asset updated. Exception cleared. Buyer Comment (2026-09-18): see uploaded |
09/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226264550 | [Redacted] | [Redacted] | 37547847 | 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. | [redacted] due to Asset Requirement not met. | Reviewer Comment (2026-09-22): Bridge loan CD received & asset updated. Exception cleared. Buyer Comment (2026-09-18): see uploaded |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226264550 | [Redacted] | [Redacted] | 37578111 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | The file is missing documentation to verify the Bridge Loan funds disclosed on the co-borrower's 1003, resulting in the borrower short verified funds. | Reviewer Comment (2026-09-22): Bridge loan CD received & asset updated. Exception cleared. Buyer Comment (2026-09-18): see uploaded |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226264550 | [Redacted] | [Redacted] | 37578132 | 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.) | [redacted] due to Asset Requirement not met. | Reviewer Comment (2026-09-22): Bridge loan CD received & asset updated. Exception cleared. Buyer Comment (2026-09-18): see uploaded |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226264795 | [Redacted] | [Redacted] | 37556248 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Transfer Tax Fee increased to $[redacted]without a valid change of circumstance; however, cure was provided to the borrower. | Reviewer Comment (2026-09-13): Sufficient Cure Provided At Closing |
09/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226264836 | [Redacted] | [Redacted] | 37555639 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-09-22): Final Title policy updated, Exception Cleared. |
09/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| 226264836 | [Redacted] | [Redacted] | 37555908 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: ___ | Title Commitment Schedule B Part 1 #[redacted], #[redacted], #[redacted], and #[redacted]reflects judgments with outstanding balances in the amount of $[redacted]and municipal liens $[redacted], $[redacted], and $[redacted]. HUD 1 does not reflect payoff of mortgage lien and municipal liens. Please provide evidence the liens have been released, paid, and will not have negative impact on final title policy. | Reviewer Comment (2026-09-22): Final Title policy updated, Exception Cleared. Buyer Comment (2026-09-21): final title policy |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226264836 | [Redacted] | [Redacted] | 37555909 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Title Commitment Schedule B Part [redacted]#[redacted], #[redacted], #[redacted], and #[redacted]reflects judgments with outstanding balances in the amount of $[redacted]and municipal liens $[redacted], $[redacted], and $[redacted]. HUD 1 does not reflect payoff of mortgage lien and municipal liens. Please provide evidence the liens have been released, paid, and will not have negative impact on final title policy. | Reviewer Comment (2026-09-22): Final Title policy updated, Exception Cleared. Buyer Comment (2026-09-21): see uploaded |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226264839 | [Redacted] | [Redacted] | 37557260 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Tax Certificate was not found in file. As property is Land only. | Reviewer Comment (2026-09-23): Available DOC ID [redacted]consider Tax cert document of REO property "[redacted]", Exception Cleared. Buyer Comment (2026-09-21): See [redacted]and [redacted] |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| 226265043 | [Redacted] | [Redacted] | 37557473 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. [redacted]valuation is missing. Sec ID: [redacted] | Reviewer Comment (2026-09-22): CU score details updated from UCDP submission report and CU score is under [redacted], no [redacted]valuation required. Exception cleared. Buyer Comment (2026-09-21): ucdp upld, cu score is under [redacted], no [redacted]nd valuation required. |
09/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | N/A | No | ||||||||||||
| 226265043 | [Redacted] | [Redacted] | 37557519 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-22): E-Sign Consent Agreement received. Exception cleared. Buyer Comment (2026-09-21): econsent and proof disclosures were also sent regular mail upld |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | C | A | A | A | D | A | N/A | N/A | No | |||||||||||
| 226265403 | [Redacted] | [Redacted] | 37572369 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for Non-Warrantable Co-Op due to pre-sales less than [redacted]%, single entity owns [redacted]%, and Investor owned at [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 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. |
Borrower has owned the subject property for at least [redacted]years. 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,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC Originator Pre-Close,SitusAMC |
Reviewer Comment (2026-09-15): Waived with compensating factors per lender exception approval at origination. |
09/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 226269407 | [Redacted] | [Redacted] | 37572636 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved to allow Non-Warrantable Condo due to pre-sales < [redacted]%, Single entity owner of [redacted]%, and Investor owned units [redacted]%. | 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] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-16): Lender Exception with Compensating Factors provided. |
09/16/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 226269538 | [Redacted] | [Redacted] | 37556579 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] . No valid Change of Circumstance nor evidence of cure. | Reviewer Comment (2026-09-21): Cured at closing or within [redacted]days of consummation prior to TPR review Buyer Comment (2026-09-18): this was cured on the final cd |
09/21/2026 | No | 1 | C | B | C | B | C | B | C | B | C | B | MO | 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 | |||||||||
| 226269538 | [Redacted] | [Redacted] | 37556580 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was not disclosed on initial Loan Estimate but disclosed as $[redacted]on Final Closing Disclosure. No cure or valid Change of Circumstance was provided to borrower. | Reviewer Comment (2026-09-24): [redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-09-22): PCCD, LOX, Label and Check Reviewer Comment (2026-09-21): [redacted]There are [redacted]sets of LE dated [redacted] with cash to close as $[redacted]and $[redacted]. Appraisal review fee added on LE dated [redacted]sequence [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. Buyer Comment (2026-09-18): the initial LE has the appraisal review fee |
09/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MO | 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 | |||||||||
| 226269551 | [Redacted] | [Redacted] | 37557836 | 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 [redacted] ([redacted]) 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. | Initial Loan Estimate is dated[redacted] prior to the E-Sign Consent Document. | Reviewer Comment (2026-09-24): [redacted]received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted]. Buyer Comment (2026-09-22): E-Sign Consent |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226269601 | [Redacted] | [Redacted] | 37561879 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided | Lender Exception requested the use of [redacted] [redacted]Income, subject[redacted] miles away from B2 employment. Lender Exception was present on 1008, but the actual Lender Exception was not found in file. | 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 guideline required amount by the equivalent of [redacted]months PITIA or more. 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. |
Borrower has been employed in the same industry for more than [redacted]years. Documentation Type: [redacted]Full Doc Disposable Income: $[redacted] Borrower has worked in the same position for more than [redacted]years. Actual Reserves: $[redacted] Required Reserves: $[redacted] Borrower's Own Funds Percent: [redacted]% Borrower's Own Funds Amount: $[redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-22): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-18): Please see attached. |
09/22/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||
| 226269752 | [Redacted] | [Redacted] | 37572933 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception for non-warrantable coop due to pre-sale below [redacted]%. Single entity at [redacted]% and investor concentration at [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 representative FICO score exceeds the guideline minimum by at least [redacted]points. |
Reserves: [redacted] Guideline Requirement: [redacted] Guidelines Representative FICO: [redacted] Representative FICO: [redacted] |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-09-17): Client elects to waive with compensating factors. |
09/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||
| 226269783 | [Redacted] | [Redacted] | 37569513 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-15): Sufficient Cure Provided At Closing |
09/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| 226269783 | [Redacted] | [Redacted] | 37591665 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | No valid Change of Circumstance nor evidence of cure was provided in file for increase in Survey Fee. | Reviewer Comment (2026-09-23): [redacted]Received LOE stating Survey was a title required fee. Buyer Comment (2026-09-21): LOX |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | |||||||||
| 226269783 | [Redacted] | [Redacted] | 37591666 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | Cure provided. | Reviewer Comment (2026-09-17): Cured at closing or within [redacted]days of consummation prior to TPR review |
09/17/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | 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 | |||||||||
| 226269787 | [Redacted] | [Redacted] | 37591869 | 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 discrepancy due to missing CPA Letter/CFA indicating withdrawal of funds from business bank account will not negatively impact the business. | Reviewer Comment (2026-09-23): Doc #[redacted] and Doc #[redacted]provided borrower has access to funds ownership [redacted]% Buyer Comment (2026-09-22): please see updated cpa letter on [redacted] |
09/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226269787 | [Redacted] | [Redacted] | 37591870 | 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.) | [redacted] due to missing CPA Letter/CFA indicating withdrawal of funds from business bank account will not negatively impact the business. | Reviewer Comment (2026-09-23): Doc #[redacted]and Doc #[redacted] provided borrower has access to funds ownership [redacted]% Buyer Comment (2026-09-22): please see updated cpa letter on [redacted] |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226269787 | [Redacted] | [Redacted] | 37591882 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | [redacted] due to missing CPA Letter/CFA indicating withdrawal of funds from business bank account will not negatively impact the business. | Reviewer Comment (2026-09-23): Doc #[redacted]and Doc #[redacted]provided borrower has access to funds ownership [redacted]% Buyer Comment (2026-09-22): please see updated cpa letter on [redacted] |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226269787 | [Redacted] | [Redacted] | 37591886 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Missing CPA Letter/CFA indicating withdrawal of funds from business bank account will not negatively impact the business. | Reviewer Comment (2026-09-23): Doc #[redacted]and Doc #[redacted]provided borrower has access to funds ownership [redacted]% Buyer Comment (2026-09-22): please see updated cpa letter on [redacted] |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 226269787 | [Redacted] | [Redacted] | 37591890 | 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. | [redacted] due to missing CPA Letter/CFA indicating withdrawal of funds from business bank account will not negatively impact the business. | Reviewer Comment (2026-09-23): Doc #[redacted]and Doc #[redacted]provided borrower has access to funds ownership [redacted]% Buyer Comment (2026-09-22): please see updated cpa letter on [redacted] |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| 226272367 | [Redacted] | [Redacted] | 37592308 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226272367 | [Redacted] | [Redacted] | 37592309 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MN | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226273591 | [Redacted] | [Redacted] | 37569001 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-14): Sufficient Cure Provided At Closing |
09/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226274517 | [Redacted] | [Redacted] | 37585385 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-16): Sufficient Cure Provided At Closing |
09/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226278958 | [Redacted] | [Redacted] | 37578698 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Reviewer Comment (2026-09-24): Final closing statement, cleared Buyer Comment (2026-09-23): final ss upld |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| 226279006 | [Redacted] | [Redacted] | 37578724 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-09-23): Received E-sign consent agreement. Exception Cleared. Buyer Comment (2026-09-22): audit trail |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226281418 | [Redacted] | [Redacted] | 37598406 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A borrower who is currently rent-free or living without a housing payment history is eligible per guidelines, provided they are not a first-time home buyer. The borrower is ineligible as they are living rent-free and are a First-Time Home Buyer. | Reviewer Comment (2026-09-25): As per the guideline borrower is eligible who is living rent free provided rent free letter. File present with the rent free letter. Exception Cleared. Buyer Comment (2026-09-23): Per the guides [redacted]First time homebuyer a payment history is not required. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226284095 | [Redacted] | [Redacted] | 37586936 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226284125 | [Redacted] | [Redacted] | 37586623 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226284125 | [Redacted] | [Redacted] | 37586624 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226284138 | [Redacted] | [Redacted] | 37590123 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution in file is not signed. The Unanimous Consent & Resolution to Borrower is a required document. | Reviewer Comment (2026-09-24): Corporate Resolution, cleared Buyer Comment (2026-09-23): res corp |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226285150 | [Redacted] | [Redacted] | 37586995 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing Close Out Letter for the HELOC paid off at closing. | Reviewer Comment (2026-09-25): Mortgage payoff letter present with the borrower signature. Exception Cleared. Buyer Comment (2026-09-24): please see signed borrower cert on the bottom of the pay off on [redacted]. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | UT | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| 226285150 | [Redacted] | [Redacted] | 37587014 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | UT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | D | A | D | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226285204 | [Redacted] | [Redacted] | 37587023 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Hazard Insurance document was not found for the REO Property address. | Reviewer Comment (2026-09-25): Received signed & Dated letter of Explanation document, Exception cleared. Buyer Comment (2026-09-24): LOX |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| 226285204 | [Redacted] | [Redacted] | 37587080 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Appraisal fee was last disclosed as $[redacted]on the 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. | Reviewer Comment (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226295301 | [Redacted] | [Redacted] | 37608575 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for [redacted]fico with a [redacted]% LTV for a cash out transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [redacted]months. Miscellaneous |
Reserves: [redacted] Guideline Requirement: [redacted] Long term homeownership. |
Aggregator,SitusAMC Aggregator |
Reviewer Comment (2026-09-23): Lender Exception with Compensating Factors provided. Buyer Comment (2026-09-21): PLEASE CLARIFY WHAT THE CONDITION IS? |
09/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||
| 226297954 | [Redacted] | [Redacted] | 37607870 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard insurance binder with dec page not provided in file. | Reviewer Comment (2026-09-25): Hazard Insurance Policy disclosure is provided. Exception cleared. Buyer Comment (2026-09-24): Please see attached. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| 226298012 | [Redacted] | [Redacted] | 37610858 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | Credit Report Fee amount of $[redacted]exceeds tolerance of $[redacted]. No cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-21): Sufficient Cure Provided At Closing |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226299256 | [Redacted] | [Redacted] | 37614080 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-21): Sufficient Cure Provided At Closing |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226299256 | [Redacted] | [Redacted] | 37618949 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] 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. | [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee amount of $[redacted]exceeds tolerance of $[redacted] | Reviewer Comment (2026-09-25): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-09-24): this is cured on the final cd |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | 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 | |||||||||
| 226301173 | [Redacted] | [Redacted] | 37616433 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-22): Sufficient Cure Provided At Closing |
09/22/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226303674 | [Redacted] | [Redacted] | 37623440 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-23): Sufficient Cure Provided At Closing |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226304319 | [Redacted] | [Redacted] | 37623471 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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 (2026-09-23): Sufficient Cure Provided At Closing |
09/23/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| 226313073 | [Redacted] | [Redacted] | 37677389 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | 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. | Reviewer Comment (2026-09-24): Sufficient Cure Provided At Closing |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226313073 | [Redacted] | [Redacted] | 37677390 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | 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. | Reviewer Comment (2026-09-24): Sufficient Cure Provided At Closing |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| 226313073 | [Redacted] | [Redacted] | 37677391 | Compliance | Compliance | Federal Compliance | TRID | TRID [redacted] Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] 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. | 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. | Reviewer Comment (2026-09-24): Sufficient Cure Provided At Closing |
09/24/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes |