Exhibit 99.15
Exception Grades
Run Date - 9/29/2026 10:20:03 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 |
| 226281610 | 3158706362 | 37558281 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines |
General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |
Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. |
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 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. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-15): Exception approved with comp factors. |
09/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) |
Safe Harbor QM (APOR) |
No | ||||||||
| 226281610 | 3158706362 | 37558289 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy |
Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | 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 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. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-15): Exception approved with comp factors. |
09/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226281612 | 3158706365 | 37558909 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-16): Do Not Concur. The lender credit which in this situation is premium pricing decreased to -$[Redacted] when a pricing update occurred, Please see system snips, this was disclosed timely to the borrower. |
09/16/2026 | 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 | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281612 | 3158706365 | 37558940 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-09-16): CDA received, supporting the appraisal value |
09/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IL | Primary | Refinance - Rate/Term | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281613 | 3158706367 | 37558444 | 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 three (3) business days of application. | The only Loan Estimate in file is dated [Redacted] which was more than 3 days after the application date of [Redacted]. | Reviewer Comment (2026-09-16): initial LE received, and dated within 3 days of the application Buyer Comment (2026-09-16): Do not Concur. Initial LE sent electronically [Redacted] |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281614 | 3158706369 | 37589636 | 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 finding due to missing third party verification of borrower's business. | Reviewer Comment (2026-09-18): business verification received |
09/18/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | UT | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281614 | 3158706369 | 37589637 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | File is missing the required third party verification of the borrower's business. | Reviewer Comment (2026-09-18): business verification received Buyer Comment (2026-09-18): Please see snip from Data Verify Report and online search verification of [Redacted] business |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281614 | 3158706369 | 37589654 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | [Redacted] | Third Party Verification Document is missing from the file. | Reviewer Comment (2026-09-18): business verification received |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281614 | 3158706369 | 37589818 | 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 finding due to missing third party verification of borrower's business. | Reviewer Comment (2026-09-18): business verification received |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281614 | 3158706369 | 37597934 | 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.) | Waterfall finding due to missing third party verification of borrower's business. | Reviewer Comment (2026-09-18): business verification received |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281614 | 3158706369 | 37597961 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing the required third party verification of borrower's business. | Reviewer Comment (2026-09-18): business verification received |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281615 | 3158706370 | 37597413 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur. The pricing was updated and entered into the system on [Redacted] , this caused the discount points to update / increase. Please see system snips of pricing and CIC update. This was disclosed timely to the borrower. |
09/21/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281615 | 3158706370 | 37597414 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Transfer Tax Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur. The transfer taxes were updated for the LE on [Redacted] , there is a CIC for the Loan Amount, Loan Points, the Product, and the Loan Rate for the LE on [Redacted] when the taxes updated. Title reviewed property improvements and also the non borrowing spouses information for this refi, and changes to this loan occurred as information was provided at this time. Please see system snips for Title work and CIC update. This was disclosed timely to the borrower. |
09/21/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281616 | 3158706371 | 37603732 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial Escrow Account Statement was not found in file. | Reviewer Comment (2026-09-22): IEADS received Buyer Comment (2026-09-22): Please see the initial escrow statement provided to borrower |
09/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NH | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281616 | 3158706371 | 37603733 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]%, which is $[Redacted]. This results in $[Redacted] over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-22): borrower selected service provider, therefore tolerance is unlimited Buyer Comment (2026-09-22): Do Not Concur. The title company that the borrower used was not on the written list of providers and was chosen as indicated on the Attorney or Title Preference Notice completed by the borrower. Please see uploaded. Tolerance is unlimited. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281617 | 3158706372 | 37595912 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Latest VOE for each borrower is dated [Redacted], which is not within 10 days of closing. | Reviewer Comment (2026-09-24): updated VOE received Buyer Comment (2026-09-24): VOE provided |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281617 | 3158706372 | 37595913 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Latest VOE for each borrower is dated [Redacted], which is not within 10 days of closing. | Reviewer Comment (2026-09-24): updated VOE received |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281618 | 3158706373 | 37595696 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | [Redacted] | File is missing an award letter or other documentation for the smaller of the borrower's [Redacted] pensions. The net amount showing on the bank statement is not sufficient to keep DTI within guidelines. | Reviewer Comment (2026-09-21): award letter received Buyer Comment (2026-09-21): uploaded the pension award letter |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281618 | 3158706373 | 37595906 | 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. | Waterfall finding due to missing income documentation. | Reviewer Comment (2026-09-21): award letter received Buyer Comment (2026-09-21): uploaded pension award letter |
09/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281618 | 3158706373 | 37595907 | 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 finding due to missing income documentation. | Reviewer Comment (2026-09-21): award letter received Buyer Comment (2026-09-21): uploaded pension award letter |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281618 | 3158706373 | 37605275 | 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.) | Waterfall finding due to missing income documentation. | Reviewer Comment (2026-09-21): award letter received Buyer Comment (2026-09-21): uploaded pension award letter |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281618 | 3158706373 | 37605276 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing an award letter or other documentation for the smaller of the borrower's [Redacted] pensions. The net amount showing on the bank statement is not sufficient to keep DTI within guidelines. | Reviewer Comment (2026-09-21): award letter received Buyer Comment (2026-09-21): see attached pension award letter |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281633 | 3158706398 | 37592136 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Previous loan refinanced within twelve (12) month period of consummation) | [Redacted] Constitution Section 50(a)(6): Unable to test refinance within twelve [Redacted] month period due to missing documentation. | Unable to test refinance within twelve (12) month period due to missing documentation. | Reviewer Comment (2026-09-18): disclosure received Buyer Comment (2026-09-18): Invalid exception. Document already in file |
09/18/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281633 | 3158706398 | 37594064 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the 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 | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281634 | 3158706400 | 37597000 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur. The interest rate changed on this loan, see system snip of the CIC, and this caused a change in the discount points to occur. This was disclosed to the borrower timely. |
09/21/2026 | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281635 | 3158706401 | 37570302 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. | Reviewer Comment (2026-09-16): desk review received, supporting the appraisal value |
09/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281635 | 3158706401 | 37570364 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found and no evidence of a tolerance cure. | Reviewer Comment (2026-09-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-16): Do not Concur. Valid CICs for interest rate and loan points [Redacted]. CDv7 disclosed timely same day |
09/16/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281637 | 3158706403 | 37598945 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-21): borrower selected company, therefore no tolerance violation Buyer Comment (2026-09-21): Do Not Concur. The borrower used a title company that was not on the written list of providers, [Redacted], this is a purchase loan and the tolerance would be unlimited with their own provider. Please see the WLOP provided to the borrower and our [Redacted] compliance report along with the CD issued timely on [Redacted] showing these fees added. |
09/21/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281637 | 3158706403 | 37598946 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-21): borrower selected company, therefore no tolerance violation Buyer Comment (2026-09-21): Do Not Concur. The borrower used a title company that was not on the written list of providers, [Redacted], this is a purchase loan and the tolerance would be unlimited with their own provider. Please see the WLOP provided to the borrower and our [Redacted] compliance report along with the CD issued timely on [Redacted] showing these fees added. |
09/21/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281638 | 3158706406 | 37589369 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to [Redacted] Decline. 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] . |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-17): Exception approved with comp factors. |
09/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 226281639 | 3158706407 | 37558408 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance in file and no evidence of a tolerance cure. | Reviewer Comment (2026-09-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-16): Do not Concur. Valid CIC and complexity comments [Redacted]. LEv2 disclosed timely |
09/16/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281641 | 3158706413 | 37569521 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-16): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv1 disclosed timely |
09/16/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281643 | 3158706415 | 37558643 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a Secondary Valuation Review Product is required, which supports the Original Appraised Value. The UCDP in the file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-09-14): [Redacted] received supporting the appraisal value |
09/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | LA | Primary | Purchase | D | A | A | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281643 | 3158706415 | 37558663 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Lender Credits. The Final Lender Credit of $[Redacted] exceeds the tolerance of $[Redacted]. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-09-16): loan had floating rate, acceptable for lender credits to change Buyer Comment (2026-09-16): Do not Concur. Initial loan lock did not occur until [Redacted]. Premium pricing can float until this happens. No cure due back |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281647 | 3158706425 | 37558758 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Recording Fee increased on the final CD. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-09-16): valid COC with timely delivery, plus cure at closing for fee overage Buyer Comment (2026-09-16): Do not Concur. Valid CICs for POA added on [Redacted]. Recording fees increased and disclosed timely on LEv4. Then recording fees increased again without a valid CIC but that difference of $[Redacted] was already cured at closing. |
09/16/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281648 | 3158706427 | 37571334 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-16): Do not Concur. Lock expiration and valid CIC for loan points [Redacted]. CDv2 disclosed timely |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281651 | 3158706434 | 37592732 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Recording Fee was last disclosed as $[Redacted] on the Loan Estimate but disclosed as $[Redacted] on the Final Closing Disclosure. The file does not contain a valid Change of Circumstance for this fee, nor evidence of cure in the file. Provide a post-close Closing Disclosure disclosing the tolerance cure 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 (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281651 | 3158706434 | 37599090 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted] . Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] . |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-18): Exception approved with comp factors. |
09/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226281651 | 3158706434 | 37599102 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted] . Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted] % and $[Redacted] . |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-18): Exception approved with comp factors. |
09/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226281652 | 3158706437 | 37570215 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance was exceeded. 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 (2026-09-15): Sufficient Cure Provided At Closing |
09/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281653 | 3158706439 | 37600768 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to an increase in fees. $[Redacted]. No valid Change of Circumstance was provided, nor evidence of cure in file. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281656 | 3158706443 | 37590317 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [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 representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-17): Universal Product Exception Form in file, exception approved with comp factors. |
09/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 226281656 | 3158706443 | 37590404 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [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 representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-17): Universal Product Exception Form in file, exception approved with comp factors. |
09/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 226281658 | 3158706447 | 37603234 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | cured at closing | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281659 | 3158706449 | 37570639 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of fees. No valid Change of Circumstance was provided, nor evidence of cure in file. | 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 | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281661 | 3158706458 | 37600090 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-21): confirmed, baseline on initial LE was [Redacted], and therefore increase was within 10% tolerance Buyer Comment (2026-09-21): Do Not Concur. [Redacted] states that the baseline was $[Redacted] but the recording fee disclosed on the initial LE is $[Redacted]. $[Redacted] plus 10% is $[Redacted] and only $[Redacted] was disclosed for the recording fee. |
09/21/2026 | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281663 | 3158706462 | 37601395 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur. The appraisal was received and reviewed on [Redacted], it was determined that this was not a single family property but is a condo, the additional Project Processing Fee was applied with a CIC of product change, see system snips, this was disclosed timely to the borrower on CD v2 |
09/21/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281665 | 3158706465 | 37604759 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur. The Appraisal fee and Transfer Taxes increased when the changes in circumstances for Product, Purchase Prices, and Loan Amount occurred. The appraisal was ordered and the transfer taxes increased and were disclosed timely on LE v2, please see system snips of the CICs. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281665 | 3158706465 | 37604760 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur. The appraisal was received indicating that it was subject to completion of repairs and plans, a final inspection was then ordered and was disclosed timely on LE v4, please see system snips of CIC |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281665 | 3158706465 | 37604761 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur. The Appraisal fee and Transfer Taxes increased when the changes in circumstances for Product, Purchase Prices, and Loan Amount occurred. The appraisal was ordered and the transfer taxes increased and were disclosed timely on LE v2, please see system snips of the CICs. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281666 | 3158706468 | 37594018 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur. The Transfer Taxes were added to LE v2 when the purchase contract was received, uploaded, and reviewed. Please see system snip showing the CIC. |
09/21/2026 | 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 | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281666 | 3158706468 | 37600246 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | 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 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] . |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-18): Exception approved with comp factors. |
09/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226281666 | 3158706468 | 37600267 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | 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 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] . |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-18): Exception approved with comp factors. |
09/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226281668 | 3158706472 | 37574357 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Homeowners Insurance coverage insufficient by $[Redacted]. Provide updated Policy reflecting minimum coverage of $[Redacted] OR provide copy of Insurer's Replacement Cost Estimate supporting current coverage amount. | Reviewer Comment (2026-09-23): evidence of full replacement cost coverage has been received, and is acceptable Buyer Comment (2026-09-23): Disagree, screenshot in file provided shows Full Replacement as Yes pf 17 D1209 |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281669 | 3158706473 | 37597281 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for fee change and no evidence of tolerance cure in file. | Reviewer Comment (2026-09-21): documentation with lender credits applied to borrower fees Buyer Comment (2026-09-21): Do Not Concur. [Redacted] states that the final lender credit is $[Redacted], but the final signed CD shows lender credits applied toward fees of $[Redacted] and since there were no other fees to apply to the rest toward $[Redacted] is placed into the Lender Credit field, this totals to a total lender credit of $[Redacted]. Please see system snip showing total lender credit and also the final signed CD showing the actual lender credits applied |
09/21/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281671 | 3158706477 | 37589652 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-17): sufficient cure for this tolerance issue was provided at closing |
09/17/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281671 | 3158706477 | 37589653 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-18): loan closed with points lower than initial LE baseline Buyer Comment (2026-09-18): Do not Concur. Initial LE loan discount points were baselined at $[Redacted]. Loan points decreased at closing |
09/18/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281671 | 3158706477 | 37602007 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | sufficent cure | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281672 | 3158706479 | 37596189 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur. The loan pricing changed when the rate changed and the appraised value was received, the lender credits were premium pricing and when the pricing changed the borrower is paying discount points. This was disclosed timely to the borrower on LE v2. Please see system snip of the CICs. |
09/21/2026 | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281672 | 3158706479 | 37596190 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur. The loan pricing changed when the rate changed and the appraised value was received, the lender credits were premium pricing and when the pricing changed the borrower is paying discount points, the baseline was set with discount points of $[Redacted] but decreased prior to closing. This was disclosed timely to the borrower on LE v2. Please see system snip of the CICs. |
09/21/2026 | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281675 | 3158706485 | 37570507 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | [Redacted]% tolerance was exceeded by $[Redacted] due to increase of fees. $[Redacted] No valid Change of Circumstance provided, nor evidence of cure in file. | 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 | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281677 | 3158706491 | 37570631 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-15): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-15): Do not Concur. Valid CICs for interest rate and loan points [Redacted]. LEv4 disclosed timely |
09/15/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281677 | 3158706491 | 37570633 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-15): Ten percent cure of $[Redacted] was provided at closing. Buyer Comment (2026-09-15): Do not Concur. Ten percent tolerance violation was already cured at closing |
09/15/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281681 | 3158706498 | 37593028 | 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 5 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]). | 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. | Reviewer Comment (2026-09-25): PCCD, LOX, refund check and proof of mailing received for cure Buyer Comment (2026-09-25): Please see PCCD and Refund sent to the borrower. Reviewer Comment (2026-09-23): [Redacted] received rebuttal confirming the title - concurrent loan escrow of $[Redacted] and stating that Title-Escrow Extra Work Charge was not applicable & removed at closing. In order to confirm the fee was not charged borrower, please provide a Corrected CD, LOE to borrower and copy of the Final Borrower's Settlement Statement to confirm fees match to the Corrected CD. Upon receipt and removal, fees can be updated. Based on current underdisclosure amount of $[Redacted] removing this $[Redacted] fee would place the underdisclosure would be $[Redacted] that cure would be due. Buyer Comment (2026-09-22): Please see e-mail from title stating that the $[Redacted] Title Extra Work fee was not required and removed at closing and advise on the amount and calculation of refund needed to borrower to clear exception. |
09/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281683 | 3158706501 | 37591639 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-09-23): verification of full replacement cost coverage has been received and acceptable Buyer Comment (2026-09-23): Provided HOI screenshot showing Full Replacement cost |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281688 | 3158706516 | 37572118 | 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. | Waterfall finding due to DTI over guidelines. | Reviewer Comment (2026-09-17): updated income documentation and explanation received, DTI now meets guidelines Buyer Comment (2026-09-17): see comment on the credit exception |
09/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281688 | 3158706516 | 37572119 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender added auto and phone allowance with semi-monthly pay while calculating monthly income, eventually calculating higher income. Utilizing borrower base income only of $[Redacted] monthly, the DTI is over guidelines. | Reviewer Comment (2026-09-17): updated income documentation and explanation received, DTI now meets guidelines Buyer Comment (2026-09-17): see comment on the credit exception, thank you |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281688 | 3158706516 | 37572120 | 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]. | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page [Redacted]. | Reviewer Comment (2026-09-16): no seller paid fees is acceptable on a relocation situation Buyer Comment (2026-09-16): Do not Concur. This is a Corporate Relocation loan. There will not be any seller paid fees. Please see attached Relocation Dircet Bill credit |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281688 | 3158706516 | 37572338 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Lender added auto and phone allowance with semi-monthly pay while calculating monthly income, eventually calculating higher income. Utilizing borrower base income only of $[Redacted] monthly, the DTI is over guidelines. | Reviewer Comment (2026-09-17): updated income documentation and explanation received, DTI now meets guidelines Buyer Comment (2026-09-17): This was bonus income , see notes from the Underwriter: [Redacted] confirmed that the client's incentive pay is annual and will not be received until [Redacted] of [Redacted]. OK to proceed using the bonus earnings history from the previous employers. The offer letter from the new employer states that the client has the opportunity to achieve up to [Redacted] percent of the annual salary which equals up to $[Redacted] which will be substantially more than the bonus utilized from the previous employer. The customer has received bonus income this year from the previous employer and meets the minimum 12-month requirement, along with receiving bonuses in [Redacted] and [Redacted] Using a [Redacted] month average of the $[Redacted] bonus from prior employer to qualify. |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281688 | 3158706516 | 37572405 | 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 finding due to DTI over guidelines. | Reviewer Comment (2026-09-17): updated income documentation and explanation received, DTI now meets guidelines Buyer Comment (2026-09-17): see comment on the credit exception |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281690 | 3158706519 | 37588869 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-17): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-17): Do not Concur. Valid CIC for property type [Redacted]. CDv2 disclosed timely |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281693 | 3158706526 | 37591030 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281694 | 3158706527 | 37575520 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-15): Sufficient Cure Provided At Closing |
09/15/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281695 | 3158706529 | 37604655 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance 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 (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281697 | 3158706535 | 37597456 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281699 | 3158706541 | 37601823 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281702 | 3158706546 | 37570306 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-16): loan was in floating lock status, which is acceptable for points to change Buyer Comment (2026-09-16): Do not Concur. Initial loan lock did not occur until [Redacted]. Loan points can float until this happens. The points decreased and no CIC required for a decrease. |
09/16/2026 | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281702 | 3158706546 | 37570307 | 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 three (3) business days from transaction date of [Redacted]. | Final CD dated [Redacted] was signed on [Redacted]. Earliest Received date per 3 day mail rule is [Redacted], therefore Earliest Cancel Date is [Redacted] and Earliest Disbursement Date is [Redacted]. | Reviewer Comment (2026-09-24): Accurate material disclosures received [Redacted]. Buyer Comment (2026-09-23): Do Not Concur. The closing disclosure signed on [Redacted] does not have material changes in Product, Loan Amount, Interest Rate, and the APR remained the same as the CD generated on [Redacted] that was issued to the borrower. The borrower had an accurate CD within timing prior to closing which occurred on [Redacted], a revised CD had to be signed later on [Redacted]. Please see system snip showing when CD v6 was actually printed and sent to the borrower along with snips of the CDs showing no changes were made to require a new waiting period. Reviewer Comment (2026-09-22): Rescission timing doesn't start until all material closing documents, including the final CD have been signed by the borrowers. Since the final CD was signed on [Redacted]and is a material closing document, rescission would need to be reopened in order to resolve this condition. Buyer Comment (2026-09-22): Do not concur. All closing documents were signed [Redacted], excluding the Closing Disclosure. Please see Security Instrument document ID D1718, Note document ID D1955, RTC form document ID D1163 all signed [Redacted] at closing. A revised CD was provided to title prior to closing but title did not have the borrower sign it until [Redacted]. This does not indicate when all other closing docs were signed and closing took place. Reviewer Comment (2026-09-16): although the final CD was sent on [Redacted], the only copy of the final CD signed by the borrowers is [Redacted], which is after the Note date Buyer Comment (2026-09-16): Do not Concur. Final CD was sent via DocMagic [Redacted] |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281702 | 3158706546 | 37570308 | 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). | Final CD dated [Redacted] was signed on [Redacted]. Earliest Received date per 3 day mail rule is [Redacted], therefore Earliest Cancel Date is [Redacted] and Earliest Disbursement Date is [Redacted]. | Reviewer Comment (2026-09-24): Accurate material disclosures received [Redacted]. Buyer Comment (2026-09-23): Do Not Concur. The closing disclosure signed on [Redacted] does not have material changes in Product, Loan Amount, Interest Rate, and the APR remained the same as the CD generated on [Redacted] that was issued to the borrower. The borrower had an accurate CD within timing prior to closing which occurred on [Redacted], a revised CD had to be signed later on [Redacted]. Please see system snip showing when CD v6 was actually printed and sent to the borrower along with snips of the CDs showing no changes were made to require a new waiting period. Reviewer Comment (2026-09-22): Rescission timing doesn't start until all material closing documents, including the final CD have been signed by the borrowers. Since the final CD was signed on [Redacted]and is a material closing document, rescission would need to be reopened in order to resolve this condition. Buyer Comment (2026-09-22): Do not concur. All closing documents were signed [Redacted], excluding the Closing Disclosure. Please see Security Instrument document ID D1718, Note document ID D1955, RTC form document ID D1163 all signed [Redacted] at closing. A revised CD was provided to title prior to closing but title did not have the borrower sign it until [Redacted]. This does not indicate when all other closing docs were signed and closing took place. Reviewer Comment (2026-09-16): although the final CD was sent on [Redacted], the only copy of the final CD signed by the borrowers is [Redacted], which is after the Note date Buyer Comment (2026-09-16): Do not Concur. Final CD was sent via DocMagic [Redacted] |
09/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281705 | 3158706551 | 37574870 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-23): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-09-15): Cured at closing or within [Redacted] days of consummation prior to TPR review |
09/23/2026 | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281705 | 3158706551 | 37574871 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-16): Do not Concur. Lock date change and valid CICs for loan points and interest rate [Redacted]. LEv2 disclosed timely |
09/16/2026 | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281710 | 3158706562 | 37592106 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281712 | 3158706564 | 37593198 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes period that does not match the actual terms for the loan. | Adjustable Payment Table: Final Closing Disclosure provided on [Redacted] disclosed a Subsequent Changes period that does not match the actual terms for the loan. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281712 | 3158706564 | 37593205 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281712 | 3158706564 | 37593206 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281712 | 3158706564 | 37593207 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281712 | 3158706564 | 37593208 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - [Redacted] Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. | Loan Disclosures: Non Escrowed Property Costs over Year 1 of $[Redacted] on Final Closing Disclosure provided on [Redacted] are overdisclosed. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281712 | 3158706564 | 37609029 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of [Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Loan Disclosures: Escrowed Property Costs over Year 1 of $[Redacted] on Final Closing Disclosure provided on [Redacted] are underdisclosed. (Final/[Redacted]) | Reviewer Comment (2026-09-24): Final CD for testing is based on the [Redacted] CD as Note & Construction Addendum confirm this is a combined agreement for construction & permanent phase and not 2 separate loans and closings. Based on the [Redacted] final CD, Year 1 on projected payment reflects that MI is $[Redacted] and escrow (some ins) of $[Redacted] or total [Redacted] being escrowed. $[Redacted] Escrowed property cost amount was under 9 months calculation. This exception was graded EV2-B. Buyer Comment (2026-09-22): Do Not Concur - please review using actual Final CD [Redacted] - page 428 / D0527 (loan term reflects 30yrs) - [Redacted] is the construction CD (loan term reflects [Redacted] years) |
No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281712 | 3158706564 | 37609030 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281712 | 3158706564 | 37609031 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281712 | 3158706564 | 37609032 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281712 | 3158706564 | 37609033 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281712 | 3158706564 | 37609034 | 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. | Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether property taxes are included in escrow. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281712 | 3158706564 | 37593242 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Provide final policy or supplemental title commitment with loan coverage equal to the loan amount. | Reviewer Comment (2026-09-22): supplemental title report showing sufficient coverage received Buyer Comment (2026-09-22): Do Not Concur - please review page 525/D0944 |
09/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Rate/Term | B | B | B | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281713 | 3158706565 | 37582749 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | [Redacted] | The lender on Appraisal differs from the Note. The Appraisal Transfer Letter is missing from the file. | Reviewer Comment (2026-09-17): lender name on appraisal is acceptable with explanation provided Buyer Comment (2026-09-17): Do Not Concur - Select Lending Services operates under its legal corporate name rather than a separate statewide or national DBA (Doing Business As), functioning as a [Redacted] company partnered with [Redacted]. |
09/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CO | Primary | Refinance - Cash-out - Other | B | A | A | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281717 | 3158706570 | 37593228 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur COC in file - page [Redacted]/ [Redacted] |
09/21/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281717 | 3158706570 | 37593229 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur COC in file - page [Redacted] / [Redacted] |
09/21/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281717 | 3158706570 | 37593230 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-18): tolerance cure provided at closing |
09/18/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281720 | 3158706575 | 37591704 | 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 5 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]). | 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. | Reviewer Comment (2026-09-21): While the appraisal falls under 4(c)(7)(iv) as excludable, the rush fee is tested as a finance charge. The Rush fee is not a fee for an inspection to assess value. Buyer Comment (2026-09-18): Do Not Concur - please review again - appraisal rush fee should be considered part of appraisal fee, Non-APR |
No | 3 | C | C | C | C | C | C | C | C | C | C | TN | 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 | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281720 | 3158706575 | 37591706 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | No | 3 | C | C | C | C | C | C | C | C | C | C | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281721 | 3158706580 | 37604013 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281725 | 3158706587 | 37598073 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-09-18): [Redacted] lender originated loan |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Exempt from ATR | No | |||||||||||
| 226281729 | 3158706599 | 37604376 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-21): Do Not Concur - COC in file page [Redacted]/ [Redacted] |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281732 | 3158706604 | 37604174 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | Final CD and Note in file do not match with loan amount or P&I payment. Note indicates loan amount is $[Redacted] and the latest CD indicates $[Redacted]. Appears file is missing final CD with correct loan amount. | Reviewer Comment (2026-09-21): final signed CD with terms matching the Note received Buyer Comment (2026-09-21): Please review uploaded Final CD. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281732 | 3158706604 | 37604175 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream [Redacted] that does not match the actual payment for the loan. | Final CD and Note in file do not match with loan amount or P&I payment. Note indicates loan amount is $[Redacted] and the latest CD indicates $[Redacted]. Appears file is missing final CD with correct loan amount. | Reviewer Comment (2026-09-21): final signed CD with terms matching the Note received Buyer Comment (2026-09-21): Please review uploaded Final CD. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281732 | 3158706604 | 37604190 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | [Redacted] | Missing co-borrower verification of employment within 10 days of closing. | Reviewer Comment (2026-09-21): VOE received Buyer Comment (2026-09-21): Please review uploaded VOE. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281734 | 3158706611 | 37584185 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | The file contains an email chain with borrower's employer which confirms borrower was actively employed; however, the date of the email is redacted leaving diligence review unable to determine if it met timing requirements. | Reviewer Comment (2026-09-17): VVOE received Buyer Comment (2026-09-17): Do not Concur - please review page [Redacted]/[Redacted]-Sent date [Redacted], [Redacted] HR confirming [Redacted] employed |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281734 | 3158706611 | 37584197 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance was exceeded for the Appraisal Review Fee. A fee amount of $[Redacted] exceeds the 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 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281734 | 3158706611 | 37584474 | 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.) | Waterfall due to missing VVOE within 10 business days of Closing. | Reviewer Comment (2026-09-17): VVOE received |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281734 | 3158706611 | 37584477 | 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. | Waterfall due to missing VVOE within 10 business days of Closing. | Reviewer Comment (2026-09-17): VVOE received |
09/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281734 | 3158706611 | 37584480 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The file contains an email chain with borrower's employer which confirms borrower was actively employed; however, the date of the email is redacted leaving diligence review unable to determine if it met timing requirements. | Reviewer Comment (2026-09-17): VVOE received |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281734 | 3158706611 | 37584494 | 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 missing VVOE within 10 business days of Closing. | Reviewer Comment (2026-09-17): VVOE received |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281735 | 3158706612 | 37584578 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cured 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 | GA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281740 | 3158706626 | 37558900 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted]. The Hazard Insurance Policy Effective Date is after the later of the Note or Transaction Date. | Reviewer Comment (2026-09-15): HOI was effective as of disbursement, which is acceptable Buyer Comment (2026-09-15): Do Not Concur please review page [Redacted]/[Redacted] |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281740 | 3158706626 | 37558903 | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Copy of Evidence of Access to Funds for the business account is missing. | Reviewer Comment (2026-09-15): evidence of access to funds received Buyer Comment (2026-09-15): [Redacted] Bank #[Redacted]- [Redacted] [Redacted]-[Redacted] $[Redacted]; [Redacted]-[Redacted] $[Redacted] Noted that these are the Coborrower's business funds, no business income was considered or documented. The business search in the State of [Redacted] was provided to document she is 100% owner of the business allowing the funds to be used. |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281747 | 3158706638 | 37604002 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281748 | 3158706641 | 37580972 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Tax Service Fee (Life Of Loan) Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-09-21): PCCD, LOX, refund check, and proof of mailing received for the fee tolerance cure Buyer Comment (2026-09-21): mailing label Buyer Comment (2026-09-21): Please review refund provided |
09/21/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281749 | 3158706643 | 37592531 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal did not indicate an estimated cost new value. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted], for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-09-18): HOI coverage is sufficient Buyer Comment (2026-09-18): Do Not Concur - Appraised value $[Redacted]- Land $[Redacted]= $[Redacted]/ [Redacted]% of home appraised value is $[Redacted]- sufficient coverage $[Redacted] |
09/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281751 | 3158706653 | 37594549 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence borrowers received appraisal at least 3 business days prior to closing. | Reviewer Comment (2026-09-18): appraisal ack in file is acceptable |
09/18/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CO | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281753 | 3158706656 | 37589632 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. | Final CD reflects the loan has escrows and reflects an escrow amount in the payment stream; however, no escrows were established on page 2 of the CD. | Reviewer Comment (2026-09-24): client accepts EV2 condition Buyer Comment (2026-09-24): accepting EV2 Reviewer Comment (2026-09-24): Promissory Note and Construction addendum reflect this is a Combined closing transaction and not separate 2 closing for construction loan and then permanent financing, but a one-time close. The [Redacted] CD is tested as the Final CD as this is the consummation of this transaction, which has disclosed that $[Redacted] was the tax and insurance amount calculated for the Final CD and which [Redacted] is seeking the calculations used for that CD or a Corrected CD & LOE to borrower along with supporting calculations for tax and insurance. Buyer Comment (2026-09-23): Analysis should not be completed on the [Redacted] CD, but on the [Redacted] CD. This is a Construction to Perm loan. $[Redacted] escrow is an estimate at the beginning of construction. [Redacted] bases analysis on the [Redacted] Final CD at the time of completion of construction. $[Redacted] consists of $[Redacted] for HOI and $[Redacted] for Taxes per page 2. $[Redacted] supported by HOI at D0545 with an annual premium of $[Redacted]. $[Redacted]. CD should have reflected $[Redacted], but clerical error will be addressed once loan is set up in Servicing. $[Redacted] supported by Tax Report at D0695 and 1004 at D0592. Reviewer Comment (2026-09-22): Final CD reflects payment streams 2,3 & 4 with Estimated Escrow of $[Redacted] however, documentation in file reflects higher tax and insurance documented amounts of $[Redacted] ($[Redacted] tax and $[Redacted] ins) and the IEAD for the permanent phase has a higher amount of $[Redacted]. Please further document the tax and insurance monthly amount of $[Redacted] as disclosed on Final CD. Buyer Comment (2026-09-21): Do not concur. This is a Construction to Perm. At the time the [Redacted] CD was signed, the borrower's intent was to secure an ARM loan. This changed as of the [Redacted] Final CD that reflected a Fixed Rate loan. Change in product type is permissible on a CTP loan. AIR/AP tables would no longer be applicable on the Final CD, nor would payment streams 2, 3 and 4 be applicable on the Final CD. |
09/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281753 | 3158706656 | 37589633 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. | Final CD reflects the loan has escrows and reflects an escrow amount in the payment stream; however, no escrows were established on page 2 of the CD. | Reviewer Comment (2026-09-24): client accepts EV2 condition Buyer Comment (2026-09-24): accepting EV2 Reviewer Comment (2026-09-24): Promissory Note and Construction addendum reflect this is a Combined closing transaction and not separate 2 closing for construction loan and then permanent financing, but a one-time close. The [Redacted] CD is tested as the Final CD as this is the consummation of this transaction, which has disclosed that $[Redacted] was the tax and insurance amount calculated for the Final CD and which [Redacted] is seeking the calculations used for that CD or a Corrected CD & LOE to borrower along with supporting calculations for tax and insurance. Buyer Comment (2026-09-23): Analysis should not be completed on the [Redacted] CD, but on the [Redacted] CD. This is a Construction to Perm loan. $[Redacted] escrow is an estimate at the beginning of construction. [Redacted] bases analysis on the [Redacted] Final CD at the time of completion of construction. $[Redacted] consists of $[Redacted] for HOI and $[Redacted] for Taxes per page 2. $[Redacted] supported by HOI at D0545 with an annual premium of $[Redacted]. $[Redacted]. CD should have reflected $[Redacted], but clerical error will be addressed once loan is set up in Servicing. $[Redacted] supported by Tax Report at D0695 and 1004 at D0592. Reviewer Comment (2026-09-22): Final CD reflects payment streams 2,3 & 4 with Estimated Escrow of $[Redacted] however, documentation in file reflects higher tax and insurance documented amounts of $[Redacted] ($[Redacted] tax and $[Redacted] ins) and the IEAD for the permanent phase has a higher amount of $[Redacted]. Please further document the tax and insurance monthly amount of $[Redacted] as disclosed on Final CD. Buyer Comment (2026-09-21): Do not concur. This is a Construction to Perm. At the time the [Redacted] CD was signed, the borrower's intent was to secure an ARM loan. This changed as of the [Redacted] Final CD that reflected a Fixed Rate loan. Change in product type is permissible on a CTP loan. AIR/AP tables would no longer be applicable on the Final CD, nor would payment streams 2, 3 and 4 be applicable on the Final CD. |
09/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281753 | 3158706656 | 37589634 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. | Final CD reflects the loan has escrows and reflects an escrow amount in the payment stream; however, no escrows were established on page 2 of the CD. | Reviewer Comment (2026-09-24): client accepts EV2 condition Buyer Comment (2026-09-24): accepting EV2 Reviewer Comment (2026-09-24): Promissory Note and Construction addendum reflect this is a Combined closing transaction and not separate 2 closing for construction loan and then permanent financing, but a one-time close. The [Redacted] CD is tested as the Final CD as this is the consummation of this transaction, which has disclosed that $[Redacted] was the tax and insurance amount calculated for the Final CD and which [Redacted] is seeking the calculations used for that CD or a Corrected CD & LOE to borrower along with supporting calculations for tax and insurance. Buyer Comment (2026-09-23): Analysis should not be completed on the [Redacted] CD, but on the [Redacted] CD. This is a Construction to Perm loan. $[Redacted] escrow is an estimate at the beginning of construction. [Redacted] bases analysis on the [Redacted] Final CD at the time of completion of construction. $[Redacted] consists of $[Redacted] for HOI and $[Redacted] for Taxes per page 2. $[Redacted] supported by HOI at D0545 with an annual premium of $[Redacted]. $[Redacted]. CD should have reflected $[Redacted], but clerical error will be addressed once loan is set up in Servicing. $[Redacted] supported by Tax Report at D0695 and 1004 at D0592. Reviewer Comment (2026-09-22): Final CD reflects payment streams 2,3 & 4 with Estimated Escrow of $[Redacted] however, documentation in file reflects higher tax and insurance documented amounts of $[Redacted] ($[Redacted] tax and $[Redacted] ins) and the IEAD for the permanent phase has a higher amount of $[Redacted]. Please further document the tax and insurance monthly amount of $[Redacted] as disclosed on Final CD. Buyer Comment (2026-09-21): Do not concur. This is a Construction to Perm. At the time the [Redacted] CD was signed, the borrower's intent was to secure an ARM loan. This changed as of the [Redacted] Final CD that reflected a Fixed Rate loan. Change in product type is permissible on a CTP loan. AIR/AP tables would no longer be applicable on the Final CD, nor would payment streams 2, 3 and 4 be applicable on the Final CD. |
09/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281753 | 3158706656 | 37591543 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of 3.8, which does not meet securitization requirements. | Reviewer Comment (2026-09-21): CDA received Buyer Comment (2026-09-21): Please review CDA at D0590 and Lender Correspondent at D0585. |
09/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | AR | Primary | Refinance - Rate/Term | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281753 | 3158706656 | 37622187 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Not Provided Timely | RESPA: Initial escrow account statement was not provided to the borrower within 45 calendar days of closing. | IEADs for perm phase in file dated [Redacted] | Reviewer Comment (2026-09-22): IEADS in file |
09/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AR | Primary | Refinance - Rate/Term | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281755 | 3158706659 | 37601401 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal did not indicate an estimated cost new amount. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-09-21): HOI coverage is sufficient Buyer Comment (2026-09-21): Please review. The "other structures" are described as large patio/shed in the sales comparison approach which are included in the $[Redacted] home appraised value (less site value) and covered under "other structures" on the policy. Reviewer Comment (2026-09-21): [Redacted], and garage are all attached and not separate structures. this coverage is not applicable. Coverage is short, pending RCE from insurance company Buyer Comment (2026-09-21): Do Not Concur - appraisal $[Redacted]- site value $[Redacted]= $[Redacted]home appraised value / [Redacted]% = $[Redacted]' HOI disclosed $[Redacted]dwelling +[Redacted]other structure aka [Redacted] (as described in appraisal ) = $[Redacted] coverage sufficient |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281756 | 3158706662 | 37560796 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found in file and no evidence of a tolerance cure. | Reviewer Comment (2026-09-15): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-15): Do Not concur - appraisal is marked subject too as well as CIC in file page [Redacted]/[Redacted] |
09/15/2026 | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281761 | 3158706675 | 37558548 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of employment is not within 10 business days of the Note. | Reviewer Comment (2026-09-16): VVOE received Buyer Comment (2026-09-15): Do Not Concur - incomplete page in file page [Redacted]/[Redacted]- complete document provided for review |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281761 | 3158706675 | 37560658 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE for the co-borrower dated within 10 business days of the Note. | Reviewer Comment (2026-09-16): VVOE received |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281761 | 3158706675 | 37560667 | 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. | Waterfall finding due to missing VVOE for the co-borrower dated within 10 business days of the Note. | Reviewer Comment (2026-09-16): VVOE received |
09/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281761 | 3158706675 | 37560668 | 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.) | Waterfall finding due to missing VVOE for the co-borrower dated within 10 business days of the Note. | Reviewer Comment (2026-09-16): VVOE received |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281761 | 3158706675 | 37560677 | 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 finding due to missing VVOE for the co-borrower dated within 10 business days of the Note. | Reviewer Comment (2026-09-16): VVOE received |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281765 | 3158706689 | 37591089 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Electronic Document Delivery Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-18): confirmed, fee disclosed on initial LE Buyer Comment (2026-09-18): Do Not Concur - Technology Platform Service Fee $[Redacted] disclosed on Initial Loan Estimate |
09/18/2026 | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281766 | 3158706690 | 37617034 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception for high risk collateral exception considering the credit qualifications and LTV. Exception approved, with comp factors. | 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. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-09-22): Universal Product Exception Form in file, exception approved with comp factors. |
09/22/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226281767 | 3158706691 | 37591694 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Verification of Insurance, Statement for the [Redacted]. | No | 3 | C | C | C | C | C | C | C | C | C | C | CA | Primary | Purchase | C | C | C | C | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 226281767 | 3158706691 | 37591729 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-17): 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 | C | C | C | C | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281780 | 3158706715 | 37585234 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | No | 3 | C | C | C | C | C | C | C | C | C | C | AR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281782 | 3158706718 | 37590700 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-21): no lender credit on final CD Buyer Comment (2026-09-21): Do not concur. There is no $[Redacted] Lender Credit on [Redacted] CD (per Compliance TRID Analyzer). |
09/21/2026 | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281782 | 3158706718 | 37590701 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-21): fee tolerance was cured at closing Buyer Comment (2026-09-21): Do not concur. $[Redacted] cure on Final CD. |
09/21/2026 | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281783 | 3158706720 | 37583957 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to a FEMA disaster. | Most Recent Valuation Inspection Date: ___; Disaster Name: ___; Disaster Declaration Date: ___; Disaster End Date: ___ |
The latest dated appraisal inspection date is [Redacted]. There was a FEMA disaster dated [Redacted]. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. | Reviewer Comment (2026-09-23): PDI received, showing no damage Buyer Comment (2026-09-23): Please see attached PDI. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281783 | 3158706720 | 37584269 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence the updated appraisal was provided to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-09-25): appraisal receipt received Buyer Comment (2026-09-25): Please see Appraisal receipt. |
09/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | LA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281783 | 3158706720 | 37584270 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence the appraisal was provided to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-09-25): appraisal receipt received Buyer Comment (2026-09-25): See attached receipt of appraisal. |
09/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | LA | Primary | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281783 | 3158706720 | 37584273 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Escrowed Property Costs over Year 1 on the Final Closing Disclosure provided are under-disclosed. | Reviewer Comment (2026-09-21): Corrected CD provided prior to reporting. Buyer Comment (2026-09-18): Please re-review: PCCD was in the file at the time of initial review and was wet-signed by the borrower; therefore, a letter of explanation is not required. See also page 489, D0547, in the loan file. |
09/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | LA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281783 | 3158706720 | 37584275 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. This was corrected with the Post-Close CD; however, the file is missing the Letter of Explanation to the borrower and proof of delivery which are required to fully cure the issue. | Reviewer Comment (2026-09-21): Corrected CD provided prior to reporting. Buyer Comment (2026-09-18): Please re-review: PCCD was in the file at the time of initial review and was wet-signed by the borrower; therefore, a letter of explanation is not required. See also page 489, D0547, in the loan file. |
09/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | LA | 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 | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281783 | 3158706720 | 37584276 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Loan Disclosures: Non-Escrowed Property Costs over Year 1 on the Final Closing Disclosure provided on [Redacted] are under-disclosed. | Reviewer Comment (2026-09-21): Corrected CD provided prior to reporting. Buyer Comment (2026-09-18): Please re-review: PCCD was in the file at the time of initial review and was wet-signed by the borrower; therefore, a letter of explanation is not required. See also page 489, D0547, in the loan file. |
09/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | LA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281783 | 3158706720 | 37584278 | 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 on [Redacted] did not disclose the Monthly Escrow Payment. | Final Closing Disclosure provided on [Redacted] did not disclose the Monthly Escrow Payment on page 4. This was corrected with the Post-Close CD; however, the file is missing the Letter of Explanation to the borrower required to fully cure the issue. | Reviewer Comment (2026-09-21): Corrected CD provided prior to reporting. |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | LA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281783 | 3158706720 | 37584279 | 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. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. This was corrected with the Post-Close CD; however, the file is missing the Letter of Explanation to the borrower required to fully cure the issue. | Reviewer Comment (2026-09-21): Corrected CD provided prior to reporting. Buyer Comment (2026-09-18): Please re-review: PCCD was in the file at the time of initial review and was wet-signed by the borrower; therefore, a letter of explanation is not required. See also page 489, D0547, in the loan file. |
09/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | LA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281783 | 3158706720 | 37584280 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. This was corrected with the Post-Close CD; however, the file is missing the Letter of Explanation to the borrower required to fully cure the issue. | Reviewer Comment (2026-09-21): Corrected CD provided prior to reporting. Buyer Comment (2026-09-18): Please re-review: PCCD was in the file at the time of initial review and was wet-signed by the borrower; therefore, a letter of explanation is not required. See also page 489, D0547, in the loan file. |
09/21/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | LA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281788 | 3158706730 | 37591001 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Unable to locate evidence of appraisal delivery to the borrower. | Reviewer Comment (2026-09-21): e-delivery of appraisal received Buyer Comment (2026-09-21): Please see page [Redacted] / [Redacted] for confirmation of receipt of Appraisal. |
09/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281788 | 3158706730 | 37591002 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | [Redacted] | Missing VOE within 10 days of closing for both borrowers. | Reviewer Comment (2026-09-21): VVOE for each borrower received Buyer Comment (2026-09-21): See attached VOE Buyer Comment (2026-09-21): See attached VOE.. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281788 | 3158706730 | 37591003 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | [Redacted] | Missing VOE within 10 days of closing for both borrowers. | Reviewer Comment (2026-09-21): VVOE for each borrower received Buyer Comment (2026-09-21): See attached verification. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281790 | 3158706735 | 37594623 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-22): Correspondent Confirmations reflecting Appraised Value and LTV changes are at [Redacted] and [Redacted]. Buyer Comment (2026-09-22): Do not concur. Property value dropped from $[Redacted] on initial 1003 to $[Redacted] impacting LTV and Lender Credit. CIC at [Redacted] addresses this and Lender Credit decreased on [Redacted] LE. |
09/22/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281793 | 3158706739 | 37584424 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-16): Sufficient Cure Provided At Closing |
09/16/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281793 | 3158706739 | 37584426 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment 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 | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281794 | 3158706742 | 37561076 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | No Cure Letter nor Change of Circumstance was provided. | 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 | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281796 | 3158706745 | 37582685 | 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 four (4) business days prior to closing. | Revised Loan Estimate provided on [Redacted], was not received by borrower at least four (4) business days prior to closing. | Reviewer Comment (2026-09-17): evidence of LE delivery received Buyer Comment (2026-09-17): Do Not Concur - please review page [Redacted] / [Redacted] |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226281798 | 3158706748 | 37559139 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient 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 | AL | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281799 | 3158706749 | 37604659 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | KS | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281801 | 3158706759 | 37583264 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-09-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-23): Please review uploaded LOE. Reviewer Comment (2026-09-21): [Redacted] received rebuttal and COC dated [Redacted] available in file, but it does not give sufficient information on why the digital closing fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee 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 (2026-09-17): Please review Mavent completed by Correspondent at D0829, specifically 0% tolerance section at the bottom of page page 2889 and the top of page 2890. Digital Closing Fee increased re-baselined on [Redacted] CD due to Eligibility Affected. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281803 | 3158706761 | 37584800 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | sufficient cure provided 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 | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281803 | 3158706761 | 37584801 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | sufficient cure provided at closing | Reviewer Comment (2026-09-16): Sufficient Cure Provided At Closing |
09/16/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281803 | 3158706761 | 37584802 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | sufficient cure provided 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 | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281808 | 3158706772 | 37589817 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Based on asset documentation in file, verified assets total $[Redacted]. With funds required to bring to closing of $[Redacted], plus the down payment/deposit of $[Redacted], total funds to be verified is $[Redacted]. Additionally, guidelines require [Redacted] months of reserves for this loan, and there are only [Redacted] months of reserves verified. | Reviewer Comment (2026-09-21): sufficient asset documentation in file Buyer Comment (2026-09-21): Please see UW notes on additional [Redacted] retirement account #[Redacted] [Redacted] $[Redacted]([Redacted]). This is a new IRA account and funds used to open were transferred from [Redacted] retirement account #[Redacted]. [Redacted] retirement account #[Redacted][Redacted]-[Redacted] balance $[Redacted] sources large deposit transfer of $[Redacted] to [Redacted] retirement acct #[Redacted]. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281808 | 3158706772 | 37589831 | 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. | Waterfall for short asset reserves. | Reviewer Comment (2026-09-21): sufficient asset documentation in file |
09/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281808 | 3158706772 | 37589832 | 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 for short asset reserves. | Reviewer Comment (2026-09-21): sufficient asset documentation in file |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281808 | 3158706772 | 37589833 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-17): Sufficient Cure Provided At Closing |
09/17/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281808 | 3158706772 | 37591732 | 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.) | Waterfall for short asset reserves. | Reviewer Comment (2026-09-21): sufficient asset documentation in file |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281808 | 3158706772 | 37591784 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Waterfall for short asset reserves. | Reviewer Comment (2026-09-21): sufficient asset documentation in file |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281813 | 3158706779 | 37598327 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281813 | 3158706779 | 37598335 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | [Redacted] | Verification(s) of Employment are not within 10 business days of the Note. | Reviewer Comment (2026-09-22): VVOE received Buyer Comment (2026-09-22): Please review uploaded VOE. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281813 | 3158706779 | 37603371 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281813 | 3158706779 | 37605278 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No evidence of borrower receipt and the presumed receipt date would not have been at least 3 business days prior to closing. | Reviewer Comment (2026-09-22): appraisal ack received Buyer Comment (2026-09-22): Please review [Redacted] |
09/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281813 | 3158706779 | 37605279 | 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. | Waterfall finding due to missing VVOE within 10 business days of the Note. | Reviewer Comment (2026-09-22): VVOE received Buyer Comment (2026-09-22): Please review uploaded VOE. |
09/22/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281813 | 3158706779 | 37605280 | 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.) | Waterfall finding due to missing VVOE within 10 business days of the Note. | Reviewer Comment (2026-09-22): VVOE received Buyer Comment (2026-09-22): Please review uploaded VOE. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281813 | 3158706779 | 37605281 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a VVOE within 10 business days of the Note. | Reviewer Comment (2026-09-22): VVOE received Buyer Comment (2026-09-22): Please review uploaded VOE. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281813 | 3158706779 | 37605282 | 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 finding due to missing VVOE within 10 business days of the Note. | Reviewer Comment (2026-09-22): VVOE received Buyer Comment (2026-09-22): Please review uploaded VOE. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281816 | 3158706784 | 37570389 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. | Reviewer Comment (2026-09-15): proof of appraisal delivery received Buyer Comment (2026-09-15): Do Not Concur - please review page [Redacted]/[Redacted] |
09/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | IL | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281817 | 3158706786 | 37589214 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No | 3 | C | C | C | C | C | C | C | C | C | C | 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 | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281818 | 3158706788 | 37604518 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Email showing appraisal delivery in file, [Redacted], however the date has been redacted, so unable to determine when the appraisal was delivered. | Reviewer Comment (2026-09-22): email showing appraisal sent to borrower received Buyer Comment (2026-09-22): Do not concur. Please review document id [Redacted] page [Redacted]. Confirmation borrower received the Appraisal. The borrower email address redacted is the same as listed on the 1003/URLA. |
09/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MI | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281818 | 3158706788 | 37604519 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Second Home | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281819 | 3158706789 | 37601264 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | [Redacted] | Missing verification of employment within 10 days of the note date. | Reviewer Comment (2026-09-22): VVOE within 10 days of closing has been received Buyer Comment (2026-09-22): Please review [Redacted]. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281820 | 3158706790 | 37583373 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-09-16): Sufficient Cure Provided within 60 Days of Closing |
09/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NM | Second Home | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281822 | 3158706795 | 37574828 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-09-16): proof of appraisal delivery received Buyer Comment (2026-09-16): Please review [Redacted] |
09/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | ME | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281823 | 3158706799 | 37594372 | 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. | Based on review of the Note and Title Commitment the loan was not a same lender refinance and the H-8 form should have been used. | No | 3 | C | C | C | C | C | C | C | C | C | C | 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 | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281824 | 3158706800 | 37601146 | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Status | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. | Reviewer Comment (2026-09-22): disclosure language received Buyer Comment (2026-09-22): Please review uploaded LEs. Appraisal disclosure on page [Redacted] of initial LE. |
09/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MN | Primary | Refinance - Rate/Term | Good faith redisclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281824 | 3158706800 | 37601149 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Reviewer Comment (2026-09-22): disclosure received Buyer Comment (2026-09-22): Please review uploaded Homeownership Counseling Organization List. |
09/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MN | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281824 | 3158706800 | 37601152 | 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. | All LE's in file have page [Redacted] and [Redacted] as blank. Please provide all complete LEs. | Reviewer Comment (2026-09-22): LEs received Buyer Comment (2026-09-22): Please review uploaded LEs. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226281828 | 3158706804 | 37565518 | 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 5 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]). | 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. | Reviewer Comment (2026-09-18): Based on FSS, Title - Signing/Notary fee should be tested as a finance charge as the document indicates the fee is not for notarial services but a signing fee. Cure would be required. Buyer Comment (2026-09-17): Please see Master Settlement Statement: Notary/Signing fee of documents are non pre-paid... Reviewer Comment (2026-09-17): The notary fee on the final CD is disclosed fee name as "Title-Notary Fee or Signing". The issue is that a Signing fee is not necessarily a non-finance charge fee. Only services for the notarization are excludable from finance charges and a signing fee can include other services. Missing a Final Settlement Statement to also confirm fee/services. Please provide the following if the fee was only for notarization services, Lender Attestation confirming fee did not include other signing services and copy of the final settlement statement to support that fee name. Buyer Comment (2026-09-15): Do Not Concur - please review again "Notary Fee" is considered Non-APR |
No | 3 | C | C | C | C | C | C | C | C | C | C | 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 | C | C | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281828 | 3158706804 | 37565494 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification was missing from the file. Property report indicates property is a condo. | Reviewer Comment (2026-09-15): REO property information received Buyer Comment (2026-09-15): Do Not Concur - please review page 623/D0603 |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | C | C | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281832 | 3158706809 | 37573397 | 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 finding due to missing verification of the borrower's business. | Reviewer Comment (2026-09-22): verification of business received |
09/22/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281832 | 3158706809 | 37573398 | 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. | File is missing third party verification of the borrower's business. | Reviewer Comment (2026-09-22): verification of business received Buyer Comment (2026-09-21): Per UW notes the Automotive Services are provided by [Redacted] and report on borrowers personal Schedule C. The VVOE for [Redacted]. ([Redacted]) is in file ([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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281832 | 3158706809 | 37573405 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided post-closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-17): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-17): Please see page [Redacted]/[Redacted]- per rate lock, .[Redacted] was added 15 day lock extension |
09/17/2026 | 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 | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281832 | 3158706809 | 37575388 | 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.) | Waterfall finding due to missing third party verification of the borrower's business. | Reviewer Comment (2026-09-22): verification of business received |
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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281832 | 3158706809 | 37575390 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided post-closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-17): sufficient cure provided on final CD Buyer Comment (2026-09-17): Cure provided on Final CD |
09/17/2026 | 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 | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281832 | 3158706809 | 37575391 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided post-closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-17): sufficient cure provided on final CD Buyer Comment (2026-09-17): Cure provided on Final CD |
09/17/2026 | 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 | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281832 | 3158706809 | 37575611 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing third party verification of the borrower's sch C business. | Reviewer Comment (2026-09-22): verification of business received |
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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281832 | 3158706809 | 37575674 | 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 finding due to the missing verification of the borrower's business. | Reviewer Comment (2026-09-22): verification of business received |
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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281833 | 3158706817 | 37605283 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the appraisal at least 3 business days prior to closing. | Reviewer Comment (2026-09-23): appraisal ack received Buyer Comment (2026-09-23): See attached receipt of the Appraisal. |
09/23/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281833 | 3158706817 | 37605284 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-20): Sufficient Cure Provided At Closing |
09/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281841 | 3158706831 | 37600754 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial CD signed by borrower on [Redacted], which is less than 3 days prior to closing. Need evidence this CD was received by the borrower 3 days prior to closing. | Reviewer Comment (2026-09-22): evidence of CD received by borrower timely has been received Buyer Comment (2026-09-22): Please review [Redacted], [Redacted] and [Redacted] indication LE sent [Redacted] was received/viewed [Redacted]. |
09/22/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226281841 | 3158706831 | 37600756 | 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 four (4) business days prior to closing. | Final LE signed by borrower on [Redacted], which is less than 4 days prior to closing. Need evidence this LE was received by the borrower 4 days prior to closing. | Reviewer Comment (2026-09-22): evidence of LE received by borrower timely has been received Buyer Comment (2026-09-22): Please review [Redacted], [Redacted] and [Redacted] indication LE sent [Redacted] was received/viewed [Redacted]. |
09/22/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226281841 | 3158706831 | 37600758 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Waterfall condition, as we are missing evidence this LE was received by the borrower 4 business days prior to closing. | Reviewer Comment (2026-09-22): valid COC in file and borrower received disclosure timely Buyer Comment (2026-09-22): Please review [Redacted], [Redacted] and [Redacted] indication LE sent [Redacted] was received/viewed [Redacted]. |
09/22/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281841 | 3158706831 | 37600759 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Waterfall condition for the CD not received by the borrower 3 business days prior to closing. | Reviewer Comment (2026-09-22): valid COC in file and borrower received disclosure timely Buyer Comment (2026-09-22): Please review [Redacted], [Redacted] and [Redacted] indication LE sent [Redacted] was received/viewed [Redacted]. |
09/22/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281842 | 3158706833 | 37581422 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-17): appraisal fee disclosed properly, no tolerance violation Buyer Comment (2026-09-17): Please re-review the Loan Estimates. There are two appraisal fees listed, totaling ＄[Redacted]; these were combined on the CD for a total of ＄[Redacted]. Therefore, no tolerance was exceeded. |
09/17/2026 | 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 | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281843 | 3158706834 | 37567015 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-17): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-17): Please see valid CIC on page [Redacted]/ [Redacted], the Collateral Desktop Analysis was needed for Underwriting.. |
09/17/2026 | 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 | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281844 | 3158706836 | 37573388 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-09-15): Sufficient Cure Provided within 60 Days of Closing |
09/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | 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) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281848 | 3158706844 | 37584212 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-16): Sufficient Cure Provided At Closing |
09/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281853 | 3158706853 | 37581109 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-23): [Redacted] received rebuttal comment and reviewed fraud report and compliance report. However, did not receive additional clarification from lender to specify what changes occurred for the pricing change. Provide additional information to support a pricing change for the lender credit decrease or cure would be due. Buyer Comment (2026-09-22): Do Not Concur - please review lender test page 1393/ D0469 confirming lender (origination) credit is Rate Dependent Reviewer Comment (2026-09-18): [Redacted] received rebuttal, however no valid COC document available in file for same. Please provide COC or supporting rate lock document for LE dated 05/05 to re-evaluate the exception. Buyer Comment (2026-09-16): Do Not Concur - Lender Credit Decrease tied to interest rate increase (LE [Redacted] - Rate [Redacted]% - lender credit $[Redacted] VS LE [Redacted] - Rate [Redacted]% - lender credit $[Redacted]) |
No | 3 | C | C | C | C | C | C | C | C | C | C | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281853 | 3158706853 | 37581114 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Ten Percent Fee Tolerance was exceeded. The total amount of $[Redacted] exceeds the tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. This is $[Redacted] over the legal limit. Sufficient cure was provided to the borrower at closing. | Reviewer Comment (2026-09-23): Cured at closing or within 60 days of consummation prior to TPR review |
09/23/2026 | 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 | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281857 | 3158706863 | 37602710 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-09-21): e-delivery of appraisal in file, [Redacted] |
09/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MN | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281859 | 3158706867 | 37579565 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for AVM Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for AVM 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281862 | 3158706874 | 37601276 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MD | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281862 | 3158706874 | 37601278 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | HOC list in file is dated [Redacted], which is not within 3 days of the application. | Reviewer Comment (2026-09-22): HOC list received and dated within 3 days of closing Buyer Comment (2026-09-22): See pages [Redacted]-[Redacted]/ [Redacted]in the loan file for the Homeownership Counseling Organizations provided Within 3 Business Days of Application |
09/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281866 | 3158706879 | 37584571 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each Valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-09-21): e-delivery of appraisal received Buyer Comment (2026-09-21): Please see attached the Appraisal tracking. |
09/21/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | UT | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281866 | 3158706879 | 37584572 | 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 in the file. | Reviewer Comment (2026-09-21): seller CD received Buyer Comment (2026-09-21): Please see attached the Seller CD. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281866 | 3158706879 | 37584573 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-09-21): e-delivery of initial CD received Buyer Comment (2026-09-21): Please see attached Tracking for Initial CD received date. Reviewer Comment (2026-09-17): note date is [Redacted], need evidence the initial CD was received by the borrower 3 business days prior Buyer Comment (2026-09-17): Please see page [Redacted]/ [Redacted]for the initial CD dated [Redacted]and executed on [Redacted] which is within (3) business days prior to closing. |
09/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226281868 | 3158706881 | 37595562 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Copy of 1003 Final was not available. | Reviewer Comment (2026-09-22): 1003 received Buyer Comment (2026-09-22): Please review uploaded 1003. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281868 | 3158706881 | 37595577 | 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 Closing Disclosure for the subject property was missing. | Reviewer Comment (2026-09-29): seller CD received Buyer Comment (2026-09-29): Please review the uploaded seller CD. |
09/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281869 | 3158706885 | 37572523 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-15): cure provided at closing for this fee change Buyer Comment (2026-09-15): Per Invoice, fee increase due to high value home page [Redacted]/ [Redacted] |
09/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281869 | 3158706885 | 37572525 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-16): [Redacted] received valid rebuttal comment and further review the fee is not bound by tolerance and selected shoppable override. Buyer Comment (2026-09-15): Do Not Concur - Title -MLC should not be held to tolerance, fee disclosed in Category C, borrower shopped for settlement services and related fees |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281869 | 3158706885 | 37581697 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-16): Sufficient Cure Provided At Closing |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281870 | 3158706887 | 37601727 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-22): Please see Page [Redacted]/ [Redacted] contains a valid Change of Circumstance, indicating the borrower requested a second appraisal from a different appraiser due to property depreciation and the home being located in a declining market. (Appraisal/Appraisal Management Co fee) |
09/22/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281870 | 3158706887 | 37601728 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company (Service Fee). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-22): Please see Page [Redacted]/ [Redacted] contains a valid Change of Circumstance, indicating the borrower requested a second appraisal from a different appraiser due to property depreciation and the home being located in a declining market. (Appraisal/Appraisal Management Co fee) |
09/22/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281873 | 3158706891 | 37604117 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-09-22): sufficient HOI coverage is supported in the file Buyer Comment (2026-09-22): Please review [Redacted]. Condo master policy has Replacement Cost coverage. HOI referenced in H06 policy for walls in coverage. |
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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281874 | 3158706893 | 37585474 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | No | 3 | C | C | C | C | C | C | C | C | C | C | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226281874 | 3158706893 | 37585475 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-22): Please see page 240 / D0388, Loan Discount Points fee increase due to Locked Loan.. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281875 | 3158706894 | 37583422 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the updated appraisal by the borrowers at least 3 business days prior to closing. | Reviewer Comment (2026-09-25): appraisal receipt received Buyer Comment (2026-09-25): See attached Appraisal receipt. |
09/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281875 | 3158706894 | 37583423 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the appraisal by the borrowers at least 3 business days prior to closing. | Reviewer Comment (2026-09-25): appraisal receipt received Buyer Comment (2026-09-25): See attached receipt of appraisal |
09/25/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | GA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281876 | 3158706897 | 37574945 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Recording Fee increased on Closing Disclosure issued [Redacted] with no change of circumstance documentation or cure provided. | Reviewer Comment (2026-09-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-16): Do not concur. Please review the valid change in circumstance form for the Tract Search Fee $[Redacted]. document id [Redacted] page [Redacted]. |
09/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281881 | 3158706911 | 37601423 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Final Closing Disclosure provided on [Redacted] disclosed an Initial Escrow Payment that includes seller paid amounts. | Reviewer Comment (2026-09-22): client accepts EV2 condition Buyer Comment (2026-09-22): Concur. Accept EV2. The Final CD includes Initial Escrow payment that includes seller paid amounts. |
09/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281885 | 3158706917 | 37602743 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281885 | 3158706917 | 37605285 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the appraisal at least 3 business days prior to closing. | Reviewer Comment (2026-09-22): appraisal receipt received Buyer Comment (2026-09-22): Please see pages [Redacted] -[Redacted]/ [Redacted] in the loan file for the receipt of the Appraisal. |
09/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281886 | 3158706919 | 37605172 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Technology Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-22): fee was properly disclosed Buyer Comment (2026-09-22): Please re-review the [Redacted]% tolerance test. The Technology Fee was disclosed on the initial Loan Estimate dated [Redacted], and there was no fee increase. |
09/22/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281894 | 3158706930 | 37603134 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-09-18): Sufficient Cure Provided within 60 Days of Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | 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) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281895 | 3158706934 | 37593336 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | [Redacted] Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | Reviewer Comment (2026-09-22): disclosure received Buyer Comment (2026-09-22): Do not concur. Please review document id [Redacted] page [Redacted]. [Redacted] Itemization of Points and Fees provided. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. |
C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281900 | 3158706946 | 37602113 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281900 | 3158706946 | 37602114 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-18): Sufficient Cure Provided At Closing |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281900 | 3158706946 | 37602307 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-23): cure provided at closing for this fee tolerance issue Buyer Comment (2026-09-23): Cure for the second appraisal fee is reflected on the Final CD |
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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281900 | 3158706946 | 37602308 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-23): cure provided at closing for this fee tolerance issue Buyer Comment (2026-09-23): Cure for the appraisal re-inspection fee is reflected on the Final CD |
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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281900 | 3158706946 | 37602309 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-09-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-23): Please see the Change in Circumstance on page 266 /D0383. The transfer tax fee increase due to the rate locked. |
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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281901 | 3158706947 | 37582420 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-09-16): This loan was originated by a CDFI lender. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. |
09/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Second Home | Refinance - Cash-out - Other | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Exempt from ATR | No | |||||||||||
| 226281906 | 3158706957 | 37585090 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-16): Sufficient Cure Provided At Closing |
09/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281908 | 3158706960 | 37582966 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-17): fee disclosed properly on initial LE Buyer Comment (2026-09-17): Do not concur. The initial Loan Estimate the borrower was disclosed a Survey fee $[Redacted] and on Final CD the charge is less. Please cancel this exception. |
09/17/2026 | 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 | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281909 | 3158706962 | 37585337 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing evidence that the initial CD was received the borrower at least 3 business days prior to closing. | Reviewer Comment (2026-09-23): evidence of initial CD receipt 3 days prior to closing has been received Buyer Comment (2026-09-23): Do not concur. Please review document id D0285 page 255. Initial CD confirm receipt by borrowers [Redacted]. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226281910 | 3158706964 | 37611433 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-21): 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281910 | 3158706964 | 37611434 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-21): 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281911 | 3158706965 | 37574071 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not found in file. | Reviewer Comment (2026-09-22): RCE received Buyer Comment (2026-09-22): Please review RCE attached. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281911 | 3158706965 | 37574073 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-09-22): final title policy received Buyer Comment (2026-09-22): Please review Title attached. |
09/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 226281913 | 3158706969 | 37600283 | 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. | Provide supplemental title commitment or final title policy with loan coverage equal to the Note amount. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 226281913 | 3158706969 | 37600361 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Proof of appraisal delivery to the borrower is missing from the loan file. | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 226281913 | 3158706969 | 37612212 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-21): Sufficient Cure Provided At Closing |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281913 | 3158706969 | 37612213 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-21): Sufficient Cure Provided At Closing |
09/21/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281914 | 3158706971 | 37602262 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Pending Net Sale Proceeds From Real Estate Assets is missing the Closing Statement for [Redacted] property. | Reviewer Comment (2026-09-23): sufficient asset documentation in file to meet reserve requirements Buyer Comment (2026-09-23): Please see attached. Per UW comments REO sale was a cash deal through an attorney. No Settlement statement or Closing disclosure would have been executed. Cash transaction through attorney are documented different from title company/closing agent. Lender provided an email explanation and the Closing statement from the attorney. Also provided an online search for [Redacted] confirming REO was sold on [Redacted] for $[Redacted] which matches the closing date and sales price on the Closing Statement with seller checks listed: [Redacted] received $[Redacted] (for mortgage payoff), and subject property sellers [Redacted] received $[Redacted]. Total proceeds shown as $[Redacted] but subject transaction qualified with $[Redacted]. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281914 | 3158706971 | 37602302 | 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. | Reviewer Comment (2026-09-23): sufficient asset documentation in file to meet reserve requirements |
09/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281914 | 3158706971 | 37602303 | 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 condition for short assets. | Reviewer Comment (2026-09-23): sufficient asset documentation in file to meet reserve requirements |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281915 | 3158706975 | 37577269 | Compliance | Compliance | Federal Compliance | ATR/QM | CDFI Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-09-18): CDFI originated loan. |
09/18/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Exempt from ATR | No | ||||||||||||
| 226281915 | 3158706975 | 37577272 | 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 four (4) business days prior to closing. | No evidence of receipt of [Redacted] revised loan estimate in file and the presumed receipt date would not have been at least 4 business days prior to closing. | Reviewer Comment (2026-09-23): evidence of revised LE received 4 days prior to closing has been received Buyer Comment (2026-09-23): Do not concur. The borrower confirmed receipt [Redacted] as shown on the top of Loan Estimate document ID D0285 page 111. |
09/23/2026 | 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 | Safe Harbor QM (APOR) | Exempt from ATR | No | ||||||||||
| 226281916 | 3158706981 | 37601487 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Appraisal indicates $[Redacted] in annual HOA dues. This was not indicated on page 4 of the final CD. | Reviewer Comment (2026-09-25): PCCD and LOX received showing the corrected non escrowed amount Buyer Comment (2026-09-25): Please see PCCD that was sent to the borrower Reviewer Comment (2026-09-25): client requested condition to be reopened Buyer Comment (2026-09-24): Concur with finding |
09/25/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281917 | 3158706982 | 37596541 | 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 finding due to the missing income docs. | Reviewer Comment (2026-09-23): AUS digital income verification received, D0480 |
09/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281917 | 3158706982 | 37596542 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. | The only verification of income found in file is Digital Verification document dated [Redacted] which was after closing. | Reviewer Comment (2026-09-23): AUS digital income verification received, D0480 |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281917 | 3158706982 | 37596543 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Loan Discount Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-09-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-23): Do Not Concur. The pricing was updated and entered into the system on [Redacted], this caused the discount points to update / increase. Please see system snips of pricing and CIC update. This was disclosed timely to the borrower. |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | 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 | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281917 | 3158706982 | 37602685 | 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.) | Waterfall finding due to the missing income docs. | Reviewer Comment (2026-09-23): AUS digital income verification received, D0480 |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281917 | 3158706982 | 37602707 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | The only verification of income found in file is Digital Verification document dated [Redacted] which was after closing. | Reviewer Comment (2026-09-23): AUS digital income verification received, D0480 |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226281917 | 3158706982 | 37602745 | 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 finding due to missing income docs. | Reviewer Comment (2026-09-23): AUS digital income verification received, D0480 |
09/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281920 | 3158706992 | 37574148 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-17): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-17): Do not Concur. Initial loan lock did not occur until [Redacted] . Loan points can float until that happens |
09/17/2026 | 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 | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281920 | 3158706992 | 37574150 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-17): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-17): Do not Concur. Valid CIC and complexity comments [Redacted]. LEv2 disclosed timely |
09/17/2026 | 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 | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281920 | 3158706992 | 37574154 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-17): borrower chose provider, fee change acceptable Buyer Comment (2026-09-17): Do not Concur. Please see attached attestation letter as a reminder of survey fee tolerance. This case the customer chose their own provider and the survey fee will be held at no tolerance. |
09/17/2026 | 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 | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281924 | 3158706998 | 37592582 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing evidence that the initial CD was provided to borrower at least 3 business days prior to closing. | Reviewer Comment (2026-09-23): evidence of initial CD delivery to borrower has been received Buyer Comment (2026-09-23): Do Not Concur. Please see the system snips of the electronic closing disclosure receipt history by the borrower. |
09/23/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226281924 | 3158706998 | 37592584 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-23): Do Not Concur. Please see the system snips of the CICs for change in lock, loan amount, and loan rate. The pricing / discount points increased to $[Redacted] due to these changes and decreased from this prior to closing. This was disclosed timely to the borrower. |
09/23/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281926 | 3158707001 | 37583114 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-16): Sufficient Cure Provided At Closing |
09/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281927 | 3158707002 | 37596086 | 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 5 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]). | 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. The Disclosed Amount Financed on page 5 is also blank or inaccurate. | Reviewer Comment (2026-09-24): LOX, corrected PCCD, refund check, and proof of mailing received to cure the finance charge overage. Buyer Comment (2026-09-23): Please see PCCD and Refund sent to the borrower. |
09/24/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281929 | 3158707005 | 37603130 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-09-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-23): Do Not Concur. The loan pricing changed which caused the lender credits (premium pricing) to also change, please see system snips of the CIC and pricing change screen, not sure where [Redacted] got -$[Redacted], [Redacted] shows final lender credit of $[Redacted]. |
09/23/2026 | 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 | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281930 | 3158707008 | 37574443 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-09-15): Sufficient Cure Provided At Closing |
09/15/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226281931 | 3158707009 | 37587490 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance 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 | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281934 | 3158707014 | 37610798 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | A valid Change of Circumstance was not provided for fee change and no evidence of Tolerance Cure in file. | Reviewer Comment (2026-09-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-09-23): Do Not Concur. The loan pricing changed which caused the lender credits (premium pricing) to also change, please see system snips of the CIC and pricing change screen. |
09/23/2026 | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226281935 | 3158707020 | 37577135 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The Initial Loan Estimate was sent to the borrower electronically prior to the earliest EConsent date. | Reviewer Comment (2026-09-17): e-consent date acceptable prior to initial LE Buyer Comment (2026-09-17): Do Not Concur. Please see system snip showing that the borrower agreed to e-consent for documents on [Redacted], the first LE was sent on [Redacted] via [Redacted] mail, please see snip of the cover letter sent with the LE, along with system snip showing it printed on [Redacted] and snips of screen showing that the lead transferred ([Redacted] pieces of data received) on [Redacted] |
09/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226281936 | 3158707022 | 37603607 | 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 5 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 [Redacted] disclosed an inaccurate Finance Charge on page 5 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. |
Reviewer Comment (2026-09-25): [Redacted] received additional information confirming the Market value fee in Section H and part of Owner's title policy Buyer Comment (2026-09-24): Please see e-mail from Attorney regarding the market value fee, this is a [Redacted] attorney, please see the final fee sheet sent from the atty in CD format, and the final closing disclosure. Reviewer Comment (2026-09-24): Please provide LOE form Title indicating the purpose of the Market Value fee noted in section H of the final CD in the amount of $[Redacted], and provide a signed stamped final settlement statement for review. Buyer Comment (2026-09-23): Unable to locate Fees that [Redacted] used in finance charge calculation: Recording Service Fee $[Redacted], Recording Service Fee $[Redacted], and Tax Pickup Fee $[Redacted]. Please verify these fee amounts and names in [Redacted] calculation so that [Redacted] can validate with our system and CD. |
09/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | 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 | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |