Exhibit 99.01 Schedule 2
| 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 |
| XXXXX | 4000109466 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-01-29): Clearing based on review
coming back within tolerances. |
01/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000109466 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. | Mandatory escrow account not established on 1st lien mortgage loan. | Reviewer Comment (2026-05-01): Borrower exempt from
property taxes. Exception cleared. Seller Comment (2026-04-30): Comment from XXXX (XXXX): XXXX: Please see the attached requested // Reviewer Comment (2026-03-26): Please provide evidence of borrower's tax exemption Buyer Comment (2026-03-26): Comment from XXXX (XXXX): XXXXThis is an HPML loan, which requires full escrow account. The CD is only showing hazard insurance escrowed. The reason for this is the borrower is exempt from property taxes due to his veteran status. Therefore, for this particular borrower scenario, this loan does have a full escrow account, as this borrower is not required to pay property taxes. Reviewer Comment (2026-03-12): Please provide in HMPL requirements where I/O loans are excluded. Buyer Comment (2026-03-12): Comment from XXXX (XXXX): XXXX this is an interest only loan not applicable. Reviewer Comment (2026-01-30): Appraisal delivery has nothing to do with failure to established escrow on 1st lien mortgage loan. Seller Comment (2026-01-29): Comment from XXXX (XXXX): XXXX: Please see the attached Appraisal Delivery // |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | If escrow was established before consummation for one
impound item but not the other (e.g. taxes but not insurance), cure available
by escrowing item that was not previously included. Proof of new escrow setup
required. If no escrow account was established at or before consummation, no cure available. |
C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000109466 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-05-01): Loan is HPML Compliant. Seller Comment (2026-04-30): Comment from XXXX (XXXX): XXXX: Please see the attached requested // Reviewer Comment (2026-03-26): Please provide evidence of borrower's tax exemption Buyer Comment (2026-03-26): Comment from XXXX (XXXX): XXXXThis is an HPML loan, which requires full escrow account. The CD is only showing hazard insurance escrowed. The reason for this is the borrower is exempt from property taxes due to his veteran status. Therefore, for this particular borrower scenario, this loan does have a full escrow account, as this borrower is not required to pay property taxes. Reviewer Comment (2026-03-12): Please provide in HMPL requirements where I/O loans are excluded. Buyer Comment (2026-03-12): Comment from XXXX (XXXX): XXXX this is an interest only loan not applicable. Reviewer Comment (2026-01-30): Appraisal delivery has nothing to do with failure to established escrow on 1st lien mortgage loan. Buyer Comment (2026-01-29): Comment from XXXX (XXXX): XXXX: Please see the attached Appraisal Delivery // |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000109466 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-05-01): Accepted as is. Reviewer Comment (2026-05-01): Loan is OK HPML Compliant. Exception set to EV2-B. Seller Comment (2026-04-30): Comment from XXXX (XXXX): XXXX: Please see the attached requested // Reviewer Comment (2026-03-26): Please provide evidence of borrower's tax exemption Buyer Comment (2026-03-26): Comment from XXXX (XXXX): XXXXThis is an HPML loan, which requires full escrow account. The CD is only showing hazard insurance escrowed. The reason for this is the borrower is exempt from property taxes due to his veteran status. Therefore, for this particular borrower scenario, this loan does have a full escrow account, as this borrower is not required to pay property taxes. Reviewer Comment (2026-03-12): Please provide in HMPL requirements where I/O loans are excluded. Buyer Comment (2026-03-12): Comment from XXXX (XXXX): XXXX this is an interest only loan not applicable. Reviewer Comment (2026-01-30): Appraisal delivery has nothing to do with failure to established escrow on 1st lien mortgage loan. Buyer Comment (2026-01-29): Comment from XXXX (XXXX): XXXX: Please see the attached Appraisal Delivery // |
05/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000109466 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | Oklahoma HPML Establishing Escrow | Oklahoma Higher-Priced Mortgage Loan: Mandatory escrow account not established on 1st lien mortgage loan. | Mandatory escrow account not established on 1st lien mortgage loan. | Reviewer Comment (2026-05-01): Borrower exempted from
property taxes. Exception cleared. Seller Comment (2026-04-30): Comment from XXXX (XXXX): XXXX: Please see the attached requested // Reviewer Comment (2026-03-26): Please provide evidence of borrower's tax exemption Buyer Comment (2026-03-26): Comment from XXXX (XXXX): XXXXThis is an HPML loan, which requires full escrow account. The CD is only showing hazard insurance escrowed. The reason for this is the borrower is exempt from property taxes due to his veteran status. Therefore, for this particular borrower scenario, this loan does have a full escrow account, as this borrower is not required to pay property taxes. Reviewer Comment (2026-03-12): Please provide in HMPL requirements where I/O loans are excluded. Buyer Comment (2026-03-12): Comment from XXXX (XXXX): XXXX this is an interest only loan not applicable. Reviewer Comment (2026-01-30): Appraisal delivery has nothing to do with failure to established escrow on 1st lien mortgage loan. Buyer Comment (2026-01-29): Comment from XXXX (XXXX): XXXX: Please see the attached Appraisal Delivery // |
05/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000114866 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-02-16): Client elects to waive |
02/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000114866 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-13): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000114866 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | I/O addendum to the note is missing. The calculated payment based on the terms on the note is $XXXX, however the payment stated on the note is $XXXX which is the interest only payment | Reviewer Comment (2026-05-13): Received, Clearing. Seller Comment (2026-05-12): Comment from XXXX (XXXX): XXXX: Please see the attached // Reviewer Comment (2026-03-04): There is no I/O addendum to the note that was provided. Seller Comment (2026-03-04): Comment from XXXX (XXXX): XXXX: This transaction was originated as an interest-only loan. Please see the attached disclosure confirming the borrower is only required to make interest only payments. |
05/13/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000121797 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing. | Reviewer Comment (2026-04-08): Received Articles of
Organization/Formation. Exception cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): XXXX Certificate of Filing attached. Reviewer Comment (2026-03-30): Articles of Organization/Formation is not received for the business entity XXXX. Exception remains. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Articles of Formation attached. |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121797 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2026-03-30): Received Certificate of Good
Standing. Exception cleared. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Cert of Good Standing Attached |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121797 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing. | Reviewer Comment (2026-03-30): Received Corporate
Resolution. Exception cleared. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Corporate Resolution attached |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121797 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing. | Reviewer Comment (2026-03-30): Received Employer
Identification Number. Exception cleared. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Evidence of EIN attached |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121797 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing. | Reviewer Comment (2026-07-08): Received Guarantor
Agreement. Exception cleared. Seller Comment (2026-07-08): Comment from XXXX (XXXX): Guarantor Agreement attached. Reviewer Comment (2026-03-30): Guarantor Agreement is not received. Exception remains. Buyer Comment (2026-03-30): Comment from XXXX (XXXX): Guarantor Agreement in Articles of Formation |
07/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121797 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing. | Reviewer Comment (2026-03-30): Received Operating
Agreement. Exception cleared. Buyer Comment (2026-03-30): Comment from XXXX (XXXX): Operating Agreement in Articles of Formation |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121797 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate is missing. | Reviewer Comment (2026-03-30): Received Business Purpose
Certificate. Exception cleared. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Business Purpose Cert attached |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121797 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Policy effective date is XXXX. The Note date is XXXX. Wet state. | Reviewer Comment (2026-04-08): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-04-08): Comment from XXXX (XXXX): HOI attached. |
04/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121797 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The note is missing the signature block of the borrowing business entity. | Reviewer Comment (2026-07-08): Received, Clearing. Seller Comment (2026-07-08): Comment from XXXX (XXXX): Prepayment Addendum to Note attached. Reviewer Comment (2026-06-11): Still missing on the PPP Addendum. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Corrected Note, Tracking and Pay History Attached. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000121797 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease Agreement is missing. | Reviewer Comment (2026-03-30): Received Lease Agreement.
Exception cleared. Seller Comment (2026-03-30): Comment from XXXX (XXXX): Lease Agreement attached |
03/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000122978 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXXX. | Reviewer Comment (2026-05-18): Received replacement cost
estimator. Exception cleared. Seller Comment (2026-05-18): Comment from XXXX (XXXX): XXXX: Please see the attached email from the insurance agent confirming the subject's replacement cost of $XXXX. Reviewer Comment (2026-04-13): Reconstruction Cost with Debris Removal is to be utiized. Exception remains Buyer Comment (2026-04-13): Comment from XXXX (XXXX): XXXX: The estimated cost to rebuild the subject is $XXXX. XXXX does not include include the fees for debris removal in the subject's estimated replacement cost. Reviewer Comment (2026-04-09): Per replacement cost estimator document reconstruction cost with debris removal is $XXXX. HOI coverage amount is $XXXX which is not covering the XXXX% of the replacement cost coverage of $XXXX. There is shortfall of $XXXX. Provide updated Insurance with sufficient coverage. Exception remains. Seller Comment (2026-04-09): Comment from XXXX (XXXX): XXXX: The HOI Dwelling coverage of $XXXX is within 80% of the subject's estimated replacement cost of $XXXX. Please see attached. |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000119681 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000120711 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Donor Check is missing for Gift Amount $XXXX. | Reviewer Comment (2026-04-14): Received Deposit Receipts
for Gift Funds. Exception cleared. Seller Comment (2026-04-14): Comment from XXXX (XXXX): GIFT FUNDS DOCS |
04/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000120711 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | No cure was provided. | Reviewer Comment (2026-05-01): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2026-04-30): Comment from XXXX (XXXX): REFUND DOCS |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000120711 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX 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 $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | No cure was provided. | Reviewer Comment (2026-05-01): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Buyer Comment (2026-04-30): Comment from XXXX (XXXX): pccd/lox refund ck XXXX upload previous condtiond |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000120711 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. | Reviewer Comment (2026-04-10): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000120711 | XXXXX | XXXXX | 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 Flood Certification (Life Of Loan). Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-04-10): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000120711 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-24): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000124190 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000123289 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-04-14): Client elects to waive |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | HI | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000123289 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-04-14): Client elects to waive |
04/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | HI | Second Home | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000123289 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-21): XXXX received valid COC Seller Comment (2026-04-20): Comment from XXXX (XXXX): CD |
04/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000123289 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal review fee was added after the initial LE without a valid COC | Reviewer Comment (2026-05-01): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-04-29): Comment from XXXX (XXXX): LOX Reviewer Comment (2026-04-22): XXXX received COC dated XXXX, however we require additional information why UW requested for appraisal review fee. Please provide additional sufficient information with supporting document to verify when UW requested for same. Seller Comment (2026-04-21): Comment from XXXX (XXXX): CD Reviewer Comment (2026-04-21): XXXX received cure documents for $XXXX, however cure required for Appraisal review fee is $XXXX. Please provide additional cure. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-04-20): Comment from XXXX (XXXX): pccd/lox refund ck XXXX upload previous condtiond |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | HI | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000123289 | XXXXX | XXXXX | 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 Abstract / Title Search. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Abstract / Title Search. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. | Reviewer Comment (2026-05-01): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-04-29): Comment from XXXX (XXXX): Please clear this with the documentation provided and we will address the other condition separately Reviewer Comment (2026-04-22): XXXX received cure documents, however cure provided is not sufficient t to cure both the exceptions. More information or additional cure is required. Seller Comment (2026-04-21): Comment from XXXX (XXXX): pccd/lox refund ck XXXX upload previous condtiond |
XXXXX | No | 2 | B | B | B | B | B | HI | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| XXXXX | 4000119721 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000119721 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The file was missing a copy of Fraud Report. | Reviewer Comment (2026-04-28): Fraud report received Seller Comment (2026-04-28): Comment from XXXX Team (XXXX): Please see the attached Fraud Report. |
04/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000119721 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating agreement is not signed and does not provide guarantor's ownership in business | Reviewer Comment (2026-05-27): Received signed copy of
Operating Agreement and confirms that the guarantor's ownership in business.
Exception cleared. Seller Comment (2026-05-27): Comment from XXXX Team (XXXX): Operating Agreement |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000119721 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good standing is not dated within 30 days of closing | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-05): Client elects to waive with
compensating factors Reviewer Comment (2026-05-27): As per XXXX - DSCR Plus XXXX, the Certificate of Good Standing must be dated within 30 days of closing. Received Business entity listing document confirms that the Certificate of Good Standing is dated after note date. Please Provide Certificate of Good Standing is dated within 30 days of closing. Exception remains. Seller Comment (2026-05-27): Comment from XXXX Team (XXXX): The document provided shows the Initial Filing date of XXXX and was pulled from the Wyoming Secretary of State website on XXXX. Even though is is more than 30 days from closing, can you accept the document since it shows "Good Standing" when pulled on May 12th and there were not any Public Notes found? Reviewer Comment (2026-05-14): Received Business Entity Listing is not within 30 days of closing. Exception remains. Seller Comment (2026-05-14): Comment from XXXX Team (XXXX): Please see attached Cert of Good Standing. |
06/05/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000122103 | XXXXX | XXXXX | 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 Payoff Statement Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Bank Statement Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $XXXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-05-11): XXXX received PCCD, LOE,
proof of mailing & copy of refund check Seller Comment (2026-05-07): Comment from XXXX (XXXX): uploaded PCCD, LOE, XXXXX tracking, and check |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000122103 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-04-20): Received Final 1003.
Exception cleared. Seller Comment (2026-04-20): Comment from XXXX (XXXX): uploaded requested final 1003 document |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000122103 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-20): Loan has been removed from
the Enhanced Review per the client. |
04/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000124332 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-24): Clearing based on review
coming back within tolerances. |
04/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124332 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title Commitment lists XXXX. The Note reflects XXXX. Also, the Title Commitment amount does not match the loan amount. | Reviewer Comment (2026-04-22): Received Title evidence.
Exception cleared. Seller Comment (2026-04-22): Comment from XXXX (XXXX): XXXX RF please see attached |
04/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124289 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-27): Clearing based on review
coming back within tolerances. |
04/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | DE | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124289 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated loan to value percentage of XXXX% exceeds Guideline loan to value percentage of XXXX%. Guideline for declining market reflects 5% reduction in LTV value. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-01): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-05-01): Comment from XXXX (XXXX): See attached |
05/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | DE | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000124289 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Calculated loan to value percentage of XXXX% exceeds Guideline combined loan to value percentage of XXXX%. Guideline for declining market reflects 5% reduction in CLTV value. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-01): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-05-01): Comment from XXXX (XXXX): see attached |
05/01/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | DE | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000124966 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-04-29): Clearing based on review
coming back within tolerances. |
04/29/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000119733 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $ XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-04-24): Accepted as is. |
04/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000117776 | XXXXX | XXXXX | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | The Desk Review or Field Review effective date does not match the Appraisal's effective date. | Reviewer Comment (2026-05-14): Effective dates of appraisal
and desk review match Seller Comment (2026-05-14): Comment from XXXX (XXXX): Updated Appraisal. The appraiser made an error on the effective date and has corrected it. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | N/A | No | ||||||||||||||
| XXXXX | 4000125062 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000125062 | XXXXX | XXXXX | 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. | Preliminary Title Policy amount is $ XXXX. The loan amount is $ XXXX. | Reviewer Comment (2026-04-30): Accepted as is. |
04/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000125940 | XXXXX | XXXXX | 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 (2026-05-01): Accepted as is. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126410 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-05-06): Received additional assets
Escrow deposit documents included in assets. Available for Closing is
sufficient to cover Cash From Borrower. Exception cleared Seller Comment (2026-05-05): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-05-04): Bank statement #XXXX reflecting a balance of $XXXX has been included in assets. Available funds for Closing $XXXX (#XXXX account funds $XXXX +EMD $XXXX +POCB $XXXX +Gift Funds $XXXX). The cash from borrower required per the Final CD is $XXXX, which includes cash to close of $XXXX, EMD of $XXXX, and POCB of $XXXX. This results in an additional $XXXX required from the borrower to meet closing funds and required reserves total $XXXX, representing four months of P&I at $XXXX per month. Total Funds Required are $XXXX.Please provide additional assets to cover the shortfall. Exception remains. Seller Comment (2026-05-01): Comment from XXXX (XXXX): Hello, the Cash to Close on the PCCD which was enclosed in the Submission Package shows $XXXX. The Borrower has $XXXX in verified assets. Therefore, they have demonstrated sufficient assets, thank you. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000126410 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-05-06): Received additional assets
Escrow deposit documents included in assets. Available for reserves is
sufficient to meet guideline reserves requirement. Exception cleared. Seller Comment (2026-05-05): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-05-04): Bank statement #XXXX reflecting a balance of $XXXX has been included in assets. Available funds for Closing $XXXX (#XXXX account funds $XXXX +EMD $XXXX +POCB $XXXX+Gift Funds $XXXX). The cash from borrower required per the Final CD is $XXXX, which includes cash to close of $XXXX, EMD of $XXXX, and POCB of $XXXX. This results in an additional $XXXX required from the borrower to meet closing funds and required reserves total $XXXX, representing four months of P&I at $XXXX per month. Total Funds Required are $XXXX.Please provide additional assets to cover the shortfall. Exception remains. Seller Comment (2026-05-01): Comment from XXXX (XXXX): Hello, the Cash to Close on the PCCD which was enclosed in the Submission Package shows $XXXX. The Borrower has $XXXX in verified assets. Therefore, they have demonstrated sufficient reserves as they have $XXXX available after deducting the Cash to Close amount on the PCCD, thank you. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000126410 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-05-01): Accepted as is. |
05/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000126410 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-06): Received additional assets
Escrow deposit documents included in assets. Available for reserves is
sufficient to meet guideline reserves requirement. Exception cleared. Seller Comment (2026-05-05): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-05-04): Calculated cash to close is $XXXX + $XXXX Deposit + POC fees $XXXX = $XXXX. Verified $XXXX in funds to close. XXXX checking XXXX $XXXXX, Gift $XXXX, $XXXX , and $XXXX, POC fee paid $XXXX. Seller Comment (2026-05-01): Comment from XXXX (XXXX): Hello, the Cash to Close on the PCCD which was enclosed in the Submission Package shows $XXXX. The Borrower has$XXXX in verifi ed assets. Therefore, they have demonstrated suffi cient reserves as they have $XXXX available afterdeducting the Cash to Close amount on the PCCD, thank you. |
05/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000126410 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due insufficient reserves. | Reviewer Comment (2026-05-06): Received additional assets
Escrow deposit documents included in assets. Available for reserves is
sufficient to meet guideline reserves requirement. Exception cleared. Seller Comment (2026-05-05): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-05-04): Calculated cash to close is $XXXX + $XXXX Deposit + POC fees $XXXX = $XXXX. Verified $XXXX in funds to close. XXXX checking XXXX $XXXX, Gift $XXXX, $XXXX, and $XXXX, POC fee paid $XXXX. Seller Comment (2026-05-01): Comment from XXXX (XXXX): Hello, the Cash to Close on the PCCD which was enclosed in the Submission Package shows $XXXX. The Borrower has$XXXX in verifi ed assets. Therefore, they have demonstrated suffi cient reserves as they have $XXXX available after deducting the Cash to Close amount on the PCCD, thank you. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124398 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-06): Clearing based on review
coming back within tolerances. |
05/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000123906 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Assets not provided | Reviewer Comment (2026-05-08): Received, Clearing. Seller Comment (2026-05-07): Comment from XXXX (XXXX): Hello, please note the Final Settlement statement previously provided for both files shows the correct fees and no funds due. Reviewer Comment (2026-05-07): POCs added, $XXXX is less than Cash from Borrower of $XXXX. Exception remains. Seller Comment (2026-05-07): Comment from XXXX (XXXX): Hello, Please see updated PCCD showing the correct POC fees Reviewer Comment (2026-05-04): Received closing statement from refinance of unit B. Missing evidence of POC fees paid outside of closing with invoices Reviewer Comment (2026-05-04): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. Seller Comment (2026-05-01): Comment from XXXX (XXXX): Hello, please see settlement statements showing two loan were used to payoff one payoff. |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000126318 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-07): Clearing based on review
coming back within tolerances. |
05/07/2026 | No | 1 | A | A | A | A | A | NV | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000126859 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | - | Valuation effective date or report date is more than 120 days prior to the Note Date or Notary Date. | Reviewer Comment (2026-05-05): Appraisal update provided
dated XXXX Seller Comment (2026-05-05): Comment from XXXX (XXXX): XXXX SA: Please see the attached document showing that we have inspection report to support the appraisal |
05/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000124089 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-06): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000125592 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX 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 XXXXis under disclosed by XXXX compared to the calculated Finance Charge of $XXXX which exceeds the XXXX 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 XXXX). | Verified finance charge is accurate. | Reviewer Comment (2026-05-07): Received LOA indication TC
fee was charged by real estate and represents transaction-related charges
that are not considered finance charges. |
05/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000127489 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-08): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-06-04): Comment from XXXX (XXXX): PCCD |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000127489 | XXXXX | XXXXX | 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 Desk Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-20): Cured at closing or within
60 days of consummation prior to TPR review Seller Comment (2026-05-20): Comment from XXXX (XXXX): LOX |
XXXXX | No | 1 | C | B | C | B | C | B | C | B | C | B | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000125840 | XXXXX | XXXXX | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | This borrower's spouse did not sign the Security Agreement. The interspousal deed received would not be sufficient in lieu of a Spousal Consent form specific to this transaction. | Reviewer Comment (2026-05-08): Interspousal deed
sufficient Seller Comment (2026-05-08): Comment from XXXX (XXXX): Email/LOE |
05/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000124432 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-13): Clearing based on review
coming back within tolerances. |
05/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000125209 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-12): Clearing based on review
coming back within tolerances. |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000124078 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guarantor(s) must: Hold at least XXXX% ownership (as confirmed by the Operating Agreement or equivalent). Guarantor owns XXXX% of the business per operating agreement. | Reviewer Comment (2026-05-12): Received, Clearing. Seller Comment (2026-05-12): Comment from XXXX (XXXX): AMENDED OPERATING AGREEMENT |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000122619 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-14): Clearing based on review
coming back within tolerances. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000122619 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-11): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CO | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000123362 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000123362 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance was exceeded. The total amount of $XXXX exceeds the tolerance of $XXXX plus 10% or $XXXX . $XXXX over the legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-05-28): XXXX received rebuttal and
as per COC dated XXXX. Buyer Comment (2026-05-26): Comment from XXXX (XXXX): XXXX, XXXX am Please clarify - POA was signed XXXX. Provided to us XXXX. No invoice or accompanying documentation for a related charge was provided. The first time the fee was disclosed to us was upon balancing of the CD. Reviewer Comment (2026-05-22): XXXX: Title balancing CD received is not valid changed circumstance to re-baseline this exception. Please provide documentation of the reason for the increase in the recording fee What information was received that required the increase in the fee and when was that information received and to provide supporting information on when lender become aware of the changes or Cure would be due to borrower. Cure consists of corrected CD, LOE to borrower, proof of mailing, and copy of refund check. Seller Comment (2026-05-21): Comment from XXXX (XXXX): We were alerted of the recording fee when we received the CD from the settlement agent to begin balancing. I have attached Title balancing CD here. Reviewer Comment (2026-05-15): XXXX received rebuttal comment and COC for increase in fee on final CD dated XXXX but as per file the POA was signed on XXXX. The fee should have been increased on revised LE itself. Please provide more information when lender has become aware of the change or cure would be required. Seller Comment (2026-05-14): Comment from XXXX (XXXX): The attached COC shows that a POA recording fee of $XXXX was added which caused the recording fees to increase. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000123362 | XXXXX | XXXXX | 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 (2026-05-11): Accepted as is. |
05/11/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000126123 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not found in file. | Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126123 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-05-12): Accepted as is. |
05/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129787 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Rate/Term | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000126961 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-15): Cleared based on review
coming back within tolerances |
05/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000126239 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Reviewer Comment (2026-05-12): Received Employer
Identification Number (EIN). Exception cleared. Seller Comment (2026-05-12): Comment from XXXX (XXXX): EIN Number |
05/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000127401 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title does not list coverage amount. | Reviewer Comment (2026-05-13): Accepted as is. |
05/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126391 | XXXXX | XXXXX | 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. | Certified Report Delivery reflects the Appraisal sent XXXX . | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | A | A | B | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126391 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Appraisal Waiver signed by Borrower on XXXX . | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | A | A | B | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126391 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: ___; Lien Position: ___ | 1004 Appraisal in file. A secondary valuation was not located in file. | Reviewer Comment (2026-05-14): Received UCDP report with CU
score less than 2.5. Exception cleared. Seller Comment (2026-05-14): Comment from XXXX (XXXX): please see attached UCDP freddie. Per guidelines, only 1 needs to have passing score. |
05/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | A | A | B | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126125 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX ) | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000126125 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000126125 | XXXXX | XXXXX | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Reviewer Comment (2026-05-14): Received, Clearing. Seller Comment (2026-05-14): Comment from XXXX (XXXX): Hello, please note this is a mini correspondent loan and XXXX is the mini correspondent. |
05/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000126408 | XXXXX | XXXXX | 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. | Receipt of Appraisal is not found in the file. | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126408 | XXXXX | XXXXX | 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. | Receipt of Appraisal is not found in the file. | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126408 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-05-14): Accepted as is. |
05/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126408 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-19): Clearing based on review
coming back within tolerances. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000127775 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000127525 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-19): Clearing based on review
coming back within tolerances. |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000128353 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-05-15): Cured at closing or within
60 days of consummation prior to TPR review |
XXXXX | No | 1 | C | B | C | B | C | B | C | B | C | B | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000128353 | XXXXX | XXXXX | 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 TX Guaranty Fee. Fee Amount of $XXXX exceeds tolerance of $0.00. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-05-26): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-05-22): Comment from XXXX (XXXX / XXXX): Attached are the LOX, check, and PCCD for the cure to the borrower. Reviewer Comment (2026-05-21): XXXX received corrected PCCD. However, LOX and Copy of refund check to borrower was not located in trailing documents. Additionally, provided PCCD does not reflects refund cure of $XXXX in inner column of section J. Provide updated CD, LOX and copy of refund check is required to borrower to complete remediation. Seller Comment (2026-05-19): Comment from XXXX (XXXX / XXXX): PCCD for cure amount attached. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | 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 | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000128353 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Reviewer Comment (2026-05-18): Legal Description,
cleared Seller Comment (2026-05-18): Comment from XXXX (XXXX / XXXX): Legal Description provided under number 4. |
05/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000125943 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-05-15): Client elects to waive |
05/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000125943 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-19): Clearing based on review
coming back within tolerances. |
05/19/2026 | No | 1 | A | A | A | A | A | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000124734 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Legal Description is missing. | Reviewer Comment (2026-05-27): Received Legal Description.
Exception cleared/ Seller Comment (2026-05-27): Comment from XXXX (XXXX): Recorded mortgage with Riders and legal description |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127364 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Reviewer Comment (2026-05-19): Received, Clearing. Seller Comment (2026-05-19): Comment from XXXX (XXXX): attached |
05/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000127364 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-19): Clearing based on review
coming back within tolerances. |
05/19/2026 | No | 1 | A | A | A | A | A | IL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000129221 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-22): Cleared based on review
coming back within tolerances |
05/22/2026 | No | 1 | A | A | A | A | A | NC | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000127143 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing | Reviewer Comment (2026-05-15): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129213 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-28): Cleared based on review
coming back within tolerances Reviewer Comment (2026-05-28): Reopened Reviewer Comment (2026-05-26): Clearing based on review coming back within tolerances. |
05/28/2026 | No | 1 | A | A | A | A | A | MN | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000129487 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing. | Reviewer Comment (2026-05-19): Received Guarantor
Agreement. Exception cleared. Seller Comment (2026-05-19): Comment from XXXX (XXXX): Guaranty |
05/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WI | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129487 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-22): Cleared based on review
coming back within tolerances |
05/22/2026 | No | 1 | A | A | A | A | A | WI | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000128952 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title policy does not list coverage amount. | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128952 | XXXXX | XXXXX | 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. | D0549 reflects Appraisal sent XXXX. | Reviewer Comment (2026-05-19): Accepted as is. |
05/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128952 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee increased from $XXXX to $XXXX. A cure of $XXXX was provided. | Reviewer Comment (2026-05-19): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000126542 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Please provide the donor's check and documentation showing the source of funds/deposit for the $XXXX Gift Fund. | Reviewer Comment (2026-05-26): Received Deposit Receipt.
Exception cleared. Seller Comment (2026-05-26): Comment from XXXX (XXXX): gift wire |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000126542 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-28): Exception cleared with
receipt of $XXXX gift receipt |
05/28/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000126542 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-05-28): Exception cleared with
receipt of $XXXX gift receipt |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127850 | XXXXX | XXXXX | 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 (2026-05-21): Accepted as is. |
05/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129341 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-05-26): Received HUD-1 from c/o refi
of other property. Cleared. Seller Comment (2026-05-26): Comment from XXXX (XXXX): rebuttal for assets & HUD from other refinance |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129341 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-05-26): Received HUD-1 from c/o refi
of other property. Cleared. Seller Comment (2026-05-26): Comment from XXXX (XXXX): rebuttal for PITIA reserves & HUD from other refinance |
05/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129341 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-27): Clearing based on review
coming back within tolerances. |
05/27/2026 | No | 1 | A | A | A | A | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000129589 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss Insurance is missing. | Reviewer Comment (2026-05-28): Received, Clearing. Seller Comment (2026-05-27): Comment from XXXX (XXXX): Attached |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000123758 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The signature block on the Note and SI is missing the individual's member title. | Reviewer Comment (2026-07-16): Received, Clearing. Seller Comment (2026-07-15): Comment from XXXX (XXXX): see attached Note and Mortgage Deed (to be re-recorded) |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000124623 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | 4506-C is missing with the correct SSN number. | Reviewer Comment (2026-05-27): 4506-C is not required.
Exception cleared. Buyer Comment (2026-05-27): Comment from XXXX (XXXX): 4506C is not required in limited doc programs. is this able to be waived? |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124623 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non-QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-05-27): 4506-C is not required.
Exception cleared. |
05/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000124623 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components, which could impact the borrower's ability to repay. | Reviewer Comment (2026-05-27): 4506-C is not required.
Exception cleared. |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131650 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-05-22): Received CDA. Exception
Cleared. Seller Comment (2026-05-22): Comment from XXXX (XXXX): CDA report attached |
05/22/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000131650 | XXXXX | XXXXX | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Desk Review or Field Review effective date does not match the Appraisals effective date. | Reviewer Comment (2026-06-05): Dates between the appraisal
and desk review match |
06/05/2026 | No | 1 | A | A | A | A | A | NY | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||||||
| XXXXX | 4000129464 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124759 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-05-22): Client elects to waive |
05/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MO | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000125068 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000125068 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Reviewer Comment (2026-06-04): Audit trail documentation
provided reflecting signature date of XXXX Reviewer Comment (2026-05-27): The ARM disclosure is not signed/dated Seller Comment (2026-05-27): Comment from XXXX (XXXX): Arm Disclosure |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000125068 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | Reviewer Comment (2026-05-27): Cleared the charm booklet
received Seller Comment (2026-05-27): Comment from XXXX (XXXX): consumer handbook adjustable rate |
05/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130207 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance for the subject property is required and must equal at least six (6) months of local average monthly rents. | Reviewer Comment (2026-06-03): Hazard policy received in
trailing provides fair rental value coverage Reviewer Comment (2026-06-02): Collateral tracking doesn't resolve this exception. Seller Comment (2026-06-01): Comment from XXXX (XXXX): Collateral Tracking Reviewer Comment (2026-05-28): The amount of coverage isn't listed. Seller Comment (2026-05-28): Comment from XXXX (XXXX): HOI showing Rent Loss |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130648 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-29): Clearing based on review
coming back within tolerances. |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131075 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-29): Clearing based on review
coming back within tolerances. |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000128100 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list Title policy coverage amount. | Reviewer Comment (2026-05-26): Accepted as is. |
05/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000126374 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-05-29): Clearing based on review
coming back within tolerances. |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000124564 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000124564 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement is missing. | Reviewer Comment (2026-05-28): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-05-28): Comment from XXXX (XXXX): e-consent |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000124564 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-05-27): Accepted as is. |
05/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 6000121400 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | Reviewer Comment (2025-12-11): Received appraisal document.
Exception cleared. Buyer Comment (2025-12-09): Rent Schedule attached. |
12/11/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 6000121400 | XXXXX | XXXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Reviewer Comment (2025-12-11): Received appraisal document.
Exception cleared. Buyer Comment (2025-12-09): Full appraisal attached. |
12/11/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 6000121400 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Reviewer Comment (2025-12-11): Received appraisal document.
Exception cleared. Buyer Comment (2025-12-09): Full appraisal attached. |
12/11/2025 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 6000121400 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy not provided in this loan file | Reviewer Comment (2025-11-21): Received Hazard Insurance
Policy. Exception Cleared. Buyer Comment (2025-11-19): Evidence of hazard insurance for subject property attached. |
11/21/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 6000121400 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | File is missing final signed and dated HUD-1/Settlement Statement. | Reviewer Comment (2025-11-20): Executed Closing Disclosure
was already available on file. Exception Cleared. Buyer Comment (2025-11-18): Final signed CD is in file, see Document ID D0272. There is also a Post Consummate CD in file, Document ID D0271. Please cancel this exception. |
11/20/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 6000121400 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max LTV 60% for a cash out refinance without a DSCR. | Reviewer Comment (2025-12-16): Evidence of asset
utilization verified. Reviewer Comment (2025-12-16): The income calculated is only from the lease as 1003 does not indicate asset depletion income and the worksheet is missing. Exception Remains Buyer Comment (2025-12-12): Please see Doc ID D0002. 1008 contains asset depletion calculation. $XXXX / XXXX = $XXXX + $XXXX= $XXXX/ $XXXX = DSCR XXXX. Reviewer Comment (2025-12-11): DSCR is XXXX Maximum CLTV should be XXXX% hence we are getting CLTV is XXXX% please provide Lease agreement or Lender exception for the same, Exception remains. Buyer Comment (2025-12-09): Full appraisal attached. |
12/16/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | |||||||||||||
| XXXXX | 6000121400 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2025-12-11): Received appraisal document.
Exception cleared. Buyer Comment (2025-12-09): Full appraisal attached. |
12/11/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 6000121400 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower 2 lives rent free with borrower 1. Borrowers living rent free with a spouse are acceptable with rent-free letter from spouse. | Reviewer Comment (2025-12-12): Property profile and deed
showing borrower 2 as Co-owner. Rent free letter is not required. Exception
Cleared. Buyer Comment (2025-12-10): Please see property profile and transfer deed attached showing spouse as co-owner. Rent free letter not required. |
12/12/2025 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | D | A | D | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 6000121409 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide a full 12 month pay history for subject property. Missing XXXX, XXXX and XXXX payment verification. | Reviewer Comment (2026-01-22): Pay history and
statements. Reviewer Comment (2026-01-14): Property address of escrow analysis statement does not match with Note address. Exception remains. Buyer Comment (2026-01-12): see attached |
01/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121409 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Provide a fully executed Corporate Resolution. Copy provided is unsigned. | Reviewer Comment (2026-02-11): Received Executed copy of
Corporate Resolution in the file. Exception Cleared. Buyer Comment (2026-02-09): Please see attached. Reviewer Comment (2026-01-14): Bylaws is missing to validate business ownership percentage as require corporate resolution signed by all the members of the business entity. Exception remains. Buyer Comment (2026-01-12): See attached |
02/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000121409 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | Provide fully executed Bylaws. Copy provided is unsigned. | Reviewer Comment (2026-01-29): Provided bylaws of the
borrowing business entity. Exception cleared. Buyer Comment (2026-01-27): See attached Reviewer Comment (2026-01-14): Per guide page 150, signed bylaws is required. Exception remains. Buyer Comment (2026-01-12): See attached |
01/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129564 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Bank Statements ending XXXX and XXXX for Business Acct #XXXX for income calculations. | Reviewer Comment (2026-06-05): Provided. Cleared. Seller Comment (2026-06-05): Comment from XXXX (XXXX): bank statement |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ME | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130064 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-01): Clearing based on review
coming back within tolerances. |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129441 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Reviewer Comment (2026-05-28): Per e-sign consent, ARM
disclosure provided XXXX Buyer Comment (2026-05-28): Comment from XXXX (XXXX): Per CFPB and trid regulations, The arm disclosures and charm booklet must be provided, it does not require signature to meet the compliance requirements. The E-sign certificate shows they were sent within that time frame which meets compliance. The arm disclosure must be delivered or e-sent within 3 days of application date. It does not need to be signed within that window. Reviewer Comment (2026-05-28): The application date is XXXX, however the borrower didn't sign the disclosure until XXXX, which is outside of the 3 business days Seller Comment (2026-05-28): Comment from XXXX (XXXX): ARM Disclosure was part of the initial disclosure package with issue date XXXX (application date was XXXX, therefore within the 3 day window). ARM disclosure is page XXXX of the disclosure and receipt shows on the esign certificate. this is within 3 days of application. |
05/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000129524 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title Evidence is missing Preliminary and Final Title | Reviewer Comment (2026-05-29): Title commitment, cleared Seller Comment (2026-05-29): Comment from XXXX (XXXX): Title Commitment |
05/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000128828 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128828 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure is provided. | Reviewer Comment (2026-05-28): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000126095 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000126491 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126491 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000128160 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128160 | XXXXX | XXXXX | 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. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128160 | XXXXX | XXXXX | 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 Management Company (Service Fee). Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-28): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Second Home | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130225 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review
coming back within tolerances. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000130225 | XXXXX | XXXXX | 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 (2026-05-28): Accepted as is. |
05/28/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129489 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-06-01): XXXX: Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) resulting in a cleared exception. Buyer Comment (2026-05-29): Comment from XXXX (XXXX): This was already cured in the Lender Credits portion of $XXXX, which is $XXXX for increase in Appraisal Fee and $XXXX for increase in the credit report |
06/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129489 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-01): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000127728 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-05-29): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WI | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000128617 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review
coming back within tolerances. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000128243 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000128243 | XXXXX | XXXXX | 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. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128243 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Reviewer Comment (2026-05-29): Accepted as is. |
05/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127821 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance Verification, Tax Verification is missing for REO XXXX. | Reviewer Comment (2026-07-02): Received, Clearing. Seller Comment (2026-07-02): Comment from XXXX (XXXX): see attached Reviewer Comment (2026-06-30): Still need verification of tax and insurance documentation Seller Comment (2026-06-30): Comment from XXXX (XXXX): see attached |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127821 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance Verification, Statement, Tax Verification is missing for REO XXXX. | Reviewer Comment (2026-07-02): Received, Clearing. Seller Comment (2026-07-02): Comment from XXXX (XXXX): see attached Reviewer Comment (2026-06-30): Received the tax cert, still need the statement and the insurance statement. Seller Comment (2026-06-30): Comment from XXXX (XXXX.): see attached |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131252 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than the original loan amount. | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MI | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000130741 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-06-03): Additional Account provided.
Cleared. Seller Comment (2026-06-03): Comment from XXXX (XXXX): XXXX: Please see attached. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000130741 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-06-03): Additional Account provided.
Cleared. Seller Comment (2026-06-03): Comment from XXXX (XXXX): XXXX: Please see attached. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000130741 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. Calculated PITIA months reserves of XXXXis less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-06-03): Additional Account provided.
Cleared. Seller Comment (2026-06-03): Comment from XXXX (XXXX): XXXX: Please see attached. |
06/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000130741 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Documented qualifying Assets for Closing of $XXXXis less than Cash From Borrower $XXXX. Calculated PITIA months reserves of XXXXis less than Guideline PITIA months reserves of 6.00. | Reviewer Comment (2026-06-03): Additional Account provided.
Cleared. Seller Comment (2026-06-03): Comment from XXXX (XXXX): XXXX: Please see attached. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132347 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-02): Clearing based on review
coming back within tolerances. |
06/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132347 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided | Reviewer Comment (2026-06-03): Received, Clearing. Buyer Comment (2026-06-02): Comment from XXXX (XXXX): Subject property is vacant, confirmed by the appraisal. This is a purchase and XXXX does allow use of market rents of when a property is vacant for qualifying income calculation on this DSCR Open Road loan. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129474 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-06-01): Accepted as is. |
06/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129262 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The appraisal update report is cut off on the bottom of each page | Reviewer Comment (2026-06-03): Corrected appraisal update
received Seller Comment (2026-06-03): Comment from XXXX (XXXX): Please see attached. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131977 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-03): Clearing based on review
coming back within tolerances. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132457 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing. | Reviewer Comment (2026-06-03): Received, Clearing. Seller Comment (2026-06-03): Comment from XXXX (XXXX): Please see uploaded Form 8879 reflecting the bororwing entity's EIN on page 1. |
06/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130416 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Reviewer Comment (2026-06-04): Appraisal provided.
Cleared. Seller Comment (2026-06-04): Comment from XXXX (XXXX): Full appraisal for property |
06/04/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NV | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000130416 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Reviewer Comment (2026-06-04): Appraisal provided. No
damage. Cleared. Seller Comment (2026-06-04): Comment from XXXX (XXXX): Attahced is the flood cert |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000130416 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | ** NEW EXCEPTION** A valid UCDP Score was not provided. Secondary Valuation required. | Reviewer Comment (2026-06-15): Received CDA. Exception
cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): attached is the CDA |
06/15/2026 | No | 1 | A | A | A | A | A | NV | Investment | Refinance - Cash-out - Other | D | A | C | A | D | A | N/A | No | |||||||||||||||||||
| XXXXX | 4000131573 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-06-11): Received, Clearing. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000131573 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-06-11): Received, Clearing. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000131573 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Insufficient reserves. | Reviewer Comment (2026-06-11): Received, Clearing. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129855 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower(s) must have a history of owning and managing commercial or income producing residential real estate properties for at least twelve (12) months over the last five (5) years. Lender exception approval in the file but missing client approval | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-07-14): Received client
exception. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Please see attached loan exception approval for <12 months landlord history along. Appraisal comps were approved as well. |
07/14/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | ID | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000129855 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Issue: Subject loan is a non-arms length transaction outside of credit guidelines | The borrower is the builder of the subject property | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-07-15): Client elects to waive with
compensating factors Reviewer Comment (2026-07-14): The exception in the file doesn't cover the borrower being the builder. Buyer Comment (2026-07-14): Comment from XXXX (XXXX): Exception approved with appraisal builder comps |
07/15/2026 | Yes | 2 | B | B | B | B | B | ID | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| XXXXX | 4000131709 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-04): Cleared based on review
coming back within tolerances |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000128921 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | B | B | B | B | C | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000128921 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | The file is missing a copy of the Property Inspection Report. | Reviewer Comment (2026-06-19): Received 442 - Certificate
of Completion. Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): 1004D uploaded |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | B | B | B | B | C | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000128921 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-02): Accepted as is. |
06/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | B | B | B | B | C | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000131986 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on 80% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2026-06-08): RCE provided. Cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): Please see attached |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000129862 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-03): Accepted as is. |
06/03/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128519 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-04): Cleared based on review
coming back within tolerances |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000128519 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No Cure provided | Reviewer Comment (2026-06-16): XXXX received COC dated
XXXX. Seller Comment (2026-06-12): Comment from XXXX (XXXX): NOLC and CD Reviewer Comment (2026-06-10): XXXX received CD dated XXXX, however no COC document provided in file for addition of POA. Please provide valid COC document for CD dated XXXX or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-06-08): Comment from XXXX (XXXX): Signed Final CD due to adding POA |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129170 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-04): Cleared based on review
coming back within tolerances |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132462 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-04): Cleared based on review
coming back within tolerances |
06/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132659 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. | Calculated high loan to value percentage of ___ exceeds Guideline high loan to value percentage of ___ | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-06-08): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-06-08): Comment from XXXX (XXXX): XXXX: Please see the attached investor exception. |
06/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MS | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000132659 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-06-08): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-06-08): Comment from XXXX (XXXX): XXXX: Please see the attached investor exception. |
06/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MS | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000132659 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-06-08): Client elected to
waive/regrade with compensating factors. Lender exception provided. Seller Comment (2026-06-08): Comment from XXXX (XXXX): XXXX: Please see the attached investor exception. |
06/08/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MS | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000130448 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved for payment shock -first time home buyer currently lives in mobile home and pay lot rent. Comp factors: XXXX% down, FICO XXXX, XXXX months reserves and $XXXX residual income. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-04): Client elects to
waive/regrade with compensating factors. |
06/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||
| XXXXX | 4000131116 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-04): Client elects to waive |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131116 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-06-04): Client elects to waive |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we
require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000131116 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for the tax preparer not being a CPA. Comp factors: FICO XXXX, DTI below XXXX%, XXXX months reserves and $XXXX residual income. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-04): Client elects to
waive/regrade with compensating factors. |
06/04/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000129541 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-06-05): Accepted as is |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129541 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher-Priced Mortgage Loan. | Reviewer Comment (2026-06-09): Received earlier dated
appraisal Seller Comment (2026-06-08): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-06-08): Please provide the appraisal provided to the borrower on XXXX. The appraisal on file is dated XXXX Seller Comment (2026-06-05): Comment from XXXX (XXXX): Hello, the Acknowledgement of Appraisal Receipt was executed at least 3 days prior to consummation, thank you. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129541 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. | TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. | Reviewer Comment (2026-06-09): Transaction is not a flip.
Previous transfer was individual owners to trust Seller Comment (2026-06-08): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129541 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-06-09): Received earlier dated
appraisal Seller Comment (2026-06-08): Comment from XXXX (XXXX): Hello, please see attached, thank you. Reviewer Comment (2026-06-08): Please provide the appraisal provided to the borrower on XXXX. The appraisal on file is dated XXXX Seller Comment (2026-06-05): Comment from XXXX (XXXX): Hello, the attached Acknowledgement of Receipt of Appraisal Report is executed at least 3 days prior to consummation. Thank you. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129541 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-10): XXXX received rebuttal and
valid COC Buyer Comment (2026-06-09): Comment from XXXX (XXXX): Hello, the loan was initially locked as a Detached SFR, but the UW review found it to be a 2-unit property, resulting in a - 0.5 property type adjustment. Thank you. Reviewer Comment (2026-06-08): XXXX received COC dated XXXX stating "pricing impacted due to property type changed "However we would require additional information about the property type change in order to clear the exception. Seller Comment (2026-06-05): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000127475 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Closing Statement is missing to confirm that the property was sold. | Reviewer Comment (2026-06-08): Cleared confirmation
received property is sold Seller Comment (2026-06-05): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000127475 | XXXXX | XXXXX | 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 (2026-06-05): Client elects to waive |
06/05/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131741 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-05): Cleared based on review
coming back within tolerances |
06/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129574 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-06-04): Client elects to waive |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130041 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-04): Client elects to waive |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000130041 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-04): Client elects to waive |
06/04/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000130041 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $XXXX on LE but disclosed as $XXXX on Final Closing Disclosure. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-04): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||
| XXXXX | 4000129192 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review
coming back within tolerances |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000126725 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance Verification, Tax Verification Document are Missing. | Reviewer Comment (2026-06-10): Mortgage statement with
evidence of taxes and insurance escrowed received Reviewer Comment (2026-06-10): Received Mortgage Statement is not clear to identify details. Exception remains Seller Comment (2026-06-10): Comment from XXXX (XXXX): Mortgage Statement for XXXX |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000126725 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000126725 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-06-10): Received Mortgage Statement
confirms the PITIA amount. Exception cleared. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Uploaded mortgage statement for XXXX |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000126725 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing mortgage statement, and verification of taxes and insurance expense | Reviewer Comment (2026-06-10): Mortgage statement received
and provides taxes and insurance payment Reviewer Comment (2026-06-10): Received Mortgage Statement confirms the P&I amount however required Tax and Insurance verification. Exception remains. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Mortgage statement uploaded for XXXX |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132777 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review
coming back within tolerances |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131974 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Missing the signature page for the guarantor agreement. | Reviewer Comment (2026-06-08): Executed agreement provided.
Cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): Please see uploaded executed guaranty. |
06/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130141 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-06-08): VOE provided. Cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): VVOE uploaded |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130141 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-06-08): VVOE provided. Cleared. |
06/08/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000130141 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130141 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130141 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Loan. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130141 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | VVOE is not within 10 business days of note date. | Reviewer Comment (2026-06-08): VVOE provided. Cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): VOE |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132879 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Articles of Organization is missing. | Reviewer Comment (2026-06-08): Cleared with articles of
organization Seller Comment (2026-06-08): Comment from XXXX (XXXX): articles of organization |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000132879 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing. | Reviewer Comment (2026-06-08): Operating agreement
received. Cleared Seller Comment (2026-06-08): Comment from XXXX (XXXX): operating agreement |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000132879 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-08): Client elects to waive |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000128821 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. (XXXX,XXXX/S-Corp) | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128821 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report was not found in file. | Reviewer Comment (2026-06-10): Fraud report received Seller Comment (2026-06-10): Comment from XXXX (XXXX): fraud report |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128821 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report was not found in file. | Reviewer Comment (2026-06-10): Fraud report received Seller Comment (2026-06-10): Comment from XXXX (XXXX): fraud report |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132769 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132769 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Three months PITI reserves held for 6 months in the borrower's XXXX account was not provided. | Reviewer Comment (2026-06-09): Reserves not required Seller Comment (2026-06-08): Comment from XXXX (XXXX): See attached XXXX reserves balance with evidence of 3 months reserves held in the borrower's XXXX account. |
06/09/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132769 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | New York Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within three days of application. | Counseling Disclosure not provided to borrower at the time of application, but within three days of application. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000132769 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX + XXXX%, or XXXX%. Compliant SubPrime Loan. | New York Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Compliant Subprime Loan. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132769 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Three months PITI reserves held for 6 months in the borrower's XXXX account was not provided. | Reviewer Comment (2026-06-09): Reserves not required |
06/09/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132769 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud report not provided. | Reviewer Comment (2026-06-09): Received Fraud Report.
Exception cleared. Seller Comment (2026-06-08): Comment from XXXX (XXXX): Please see attached XXXX report as Fraud Report |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132769 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-08): Cleared based on review
coming back within tolerances |
06/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000132769 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | Three months PITI reserves held for 6 months in the borrower's XXXX account was not provided. | Reviewer Comment (2026-06-09): Reserves not required Seller Comment (2026-06-08): Comment from XXXX (XXXX): See attached XXXX reserves balance with evidence of 3 months reserves held in the borrower's XXXX account. |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133144 | XXXXX | XXXXX | 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 (2026-06-08): Accepted as is per
client. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | A | A | B | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133144 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP Score was not provided. Secondary Valuation required. | Reviewer Comment (2026-07-01): Received UCDP Submission
Summary report with CU score less than 2.5. Hence, Secondary Valuation is not
required. Exception cleared. Seller Comment (2026-06-30): Comment from XXXX (XXXX): uploaded SSR, original appraisal and 2nd valuation AVM |
07/01/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | A | A | B | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132780 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided at Application but within Three Days) | New York Subprime Loan: Counseling Disclosure not provided to borrower at the time of application, but within three days of application. | New York Subprime Counseling Disclosure is missing. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000132780 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | New York Subprime Loan: APR on subject loan of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX% + XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | APR on subject loan of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX% + XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-06-08): Accepted as is. |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132780 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Compliant | New York Subprime Loan: APR on subject loan of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX% + XXXX%, or XXXX%. Compliant SubPrime Loan. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000129087 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129087 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132186 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing paid invoice for appriasal. | Reviewer Comment (2026-06-11): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-06-10): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129428 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing evidence of receipt of donor check in the amount of $XXXX | Reviewer Comment (2026-06-10): Cleared with wire receipt Seller Comment (2026-06-10): Comment from XXXX (XXXX): XXXX XXXX: Please see the attached documentation to confirm the gift of $XXXX. The gift letter states that $XXXX was wired to title at closing, and the loan documentation included a copy of the wire receipt from the title company from the donor in the amount of $XXXX. A copy of the donor check is not required, as XXXX guidelines allow for evidence of the electronic transfer of funds from the donor's account to the borrower's account or to the closing agent as documentation of the gift funds being received. |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131738 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Appraisal (D0325) sent XXXX. | Reviewer Comment (2026-06-09): Client elects to waive with
compensating factors Seller Comment (2026-06-09): Comment from XXXX (XXXX): Please see attached original appraisal report dated XXXX - this was the original. The one reviewed was the revised updated copy (clerical info was updated). The timing requirement was met. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132220 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX did not disclose the APR. | Final Closing Disclosure provided on XXXX is missing Page 5. | Reviewer Comment (2026-06-15): XXXX received full copy of
final CD Seller Comment (2026-06-12): Comment from XXXX (XXXX): Final signed CD Page 5 does not have a signature line |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132220 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX did not disclose the Finance Charge. | Final Closing Disclosure provided on XXXX is missing Page 5. | Reviewer Comment (2026-06-15): XXXX received full copy of
final CD Seller Comment (2026-06-12): Comment from XXXX (XXXX): Final signed CD Page 5 does not have a signature line |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132220 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Incomplete | TILA-RESPA Integrated Disclosure: Incomplete Closing Disclosure was signed by borrower and cannot be excluded from testing. Corresponding exceptions for inaccurate disclosures and under/over disclosures resulting from use of incomplete Closing Disclosure are valid and will need to be cured (if curable). | Final Closing Disclosure provided on XXXX is missing Page 5. | Reviewer Comment (2026-06-15): XXXX received full copy of
final CD Seller Comment (2026-06-12): Comment from XXXX (XXXX): Final signed CD Page 5 does not have a signature line |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | If complete CD was provided to consumer at consummation,
provide copy of complete CD with all pages for review. If complete CD was not provided to the consumer at consummation, inaccurate disclosures and under/over disclosures resulting from incomplete closing disclosure will require a cure. Provide the following: Letter of Explanation notifying borrower or error, Complete CD with accurate disclosures, copy of refund for any required restitution, and Proof of Delivery (Proof of receipt and reopened rescission also required if transaction is rescindable and material disclosures are inaccurate) |
C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132220 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX did not disclose the Total of Payments. | Final Closing Disclosure provided on XXXX is missing Page 5. | Reviewer Comment (2026-06-15): XXXX received full copy of
final CD Seller Comment (2026-06-12): Comment from XXXX (XXXX): Final signed CD Page 5 does not have a signature line |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132220 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | VOR not provided. 12-month current pay history required per guides. | Reviewer Comment (2026-06-10): Cleared with cancelled
checks Seller Comment (2026-06-10): Comment from XXXX (XXXX): Mortgage note and 12mo checks showing payment history |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000127564 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to use margin line on a large trust account for the down payment. Borrower will pay off the margin line once her current home sells. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-09): Lender exception approved |
06/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000125970 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-09): Cleared based on review
coming back within tolerances |
06/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131352 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA 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. (Type:Primary/XXXX) | Reviewer Comment (2026-06-08): Client elects to waive |
06/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131352 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | XXXX account has a margin feature, which investor notes is not eligible without exception. Reduced the total XXXX balance by $XXXX which represent the funds held on margin/loan and seeking approval to proceed with using the remainder of the account on asset qualifier. Lender exception approved. Comp Factors: Strong FICO, strong reserves and housing history. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-08): Client elects to
waive/regrade with compensating factors. |
06/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000132055 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132055 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132555 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132555 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131320 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130230 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-06-09): Accepted as is per
client. |
06/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129088 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129088 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard Insurance Policy Expiration Date XXXX, Note Date XXXX. | Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000129562 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - Condo not provided | Rider - Condo is missing borrower signature. | Reviewer Comment (2026-06-12): Received Rider - Condo.
Exception cleared. Seller Comment (2026-06-12): Comment from XXXX (XXXX): see attached |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128687 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided | AIRDNA Statement was not provided. | Reviewer Comment (2026-06-10): Received XXXX. Exception
cleared. Seller Comment (2026-06-10): Comment from XXXX (XXXX): uploaded requested doc |
06/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000128687 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Primary converting to rental; no previous rental history and seeking approval to use AirDNA for income source. Borrowers are converting to a short-term rental. | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (2026-06-09): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
06/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000133552 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP Score was not provided. Secondary Valuation required. | Reviewer Comment (2026-06-11): Received CDA. Exception
cleared. Seller Comment (2026-06-11): Comment from XXXX (XXXX): CDA Report Attached |
06/11/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | D | A | A | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000131241 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-10): Accepted as is. |
06/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000128092 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000128092 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage statement is missing to verify P&I of $XXXX for XXXX. | Reviewer Comment (2026-06-11): Received Statement.
Exception cleared. Seller Comment (2026-06-11): Comment from XXXX (XXXX): Hello, please see attached |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000132042 | XXXXX | XXXXX | 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 (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132042 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing paid appraisal invoice. | Reviewer Comment (2026-06-11): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-06-11): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132042 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing paid credit report invoice. | Reviewer Comment (2026-06-11): Received POCB Invoice for
Credit Report Fee. Exception cleared. Seller Comment (2026-06-11): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132042 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is at ATR risk due to missing paid invoices. | Reviewer Comment (2026-06-11): Received POCB Invoices for
Appraisal Fee and Credit report fee. Exception cleared. Seller Comment (2026-06-11): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/11/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132042 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR due to missing paid invoices. | Reviewer Comment (2026-06-11): Received POCB Invoices for
Appraisal Fee and Credit report fee. Exception cleared. Seller Comment (2026-06-11): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132956 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-11): Clearing based on review
coming back within tolerances. |
06/11/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132956 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Reviewer Comment (2026-06-12): Received explanation of
guidelines that cleared issue. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132956 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Reviewer Comment (2026-06-12): Received explanation of
guidelines that cleared issue. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132956 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The calculated P&I is one cent off from the P&I reported on the Note. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC |
Reviewer Comment (2026-06-11): Waived by the buyer as the
.01 is due to rounding. |
06/11/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | PA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000128863 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Reviewer Comment (2026-06-16): Received, Clearing. Seller Comment (2026-06-15): Comment from XXXX (XXXX): Revised title commitment |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000128863 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Need paystubs for this borrower. | Reviewer Comment (2026-06-12): Received, Clearing. Seller Comment (2026-06-12): Comment from XXXX (XXXX): Paystubs |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128863 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-06-12): Received, Clearing. |
06/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | WA | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000128863 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-12): Received, Clearing. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128863 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided | Reviewer Comment (2026-06-23): Cure was provided on final
closing disclosure |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000128863 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-23): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | WA | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000129328 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-11): Accepted as is. |
06/11/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133034 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Missing certificate of good standing. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-23): Client exception
received. Seller Comment (2026-07-23): Comment from XXXX (XXXX): Exception approval XXXX Reviewer Comment (2026-07-08): Exceptions must come from the buyer of the loan. Seller Comment (2026-07-08): Comment from XXXX (XXXX): Business is still current & Active and was recently formed in XXXX of XXXX. Both the exception form and the support doc have been uploaded Reviewer Comment (2026-06-23): An exception from the buyer of the loan through there portal since guidelines require. Buyer Comment (2026-06-23): Comment from XXXX (XXXX): Company is new, can this be waived? |
07/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CT | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000129623 | XXXXX | XXXXX | 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. | Receipt of Appraisal is not found in the file. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000129623 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000132615 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Missing letter of intent to sell or listing agreement for departing residence. | Reviewer Comment (2026-06-16): Received the listing
agreement for the departing residence at XXXX. Exception cleared. Seller Comment (2026-06-16): Comment from XXXX (XXXX): See attached. Also see XXXX listing in Miscellaneous-why is that not sufficient? |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131657 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-12): Clearing based on review
coming back within tolerances. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000131657 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy Document is missing. | Reviewer Comment (2026-06-15): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): hoi |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132490 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD-1/Closing Disclosure is missing. | Reviewer Comment (2026-06-17): Received, Clearing. Seller Comment (2026-06-16): Comment from XXXX (XXXX): Final CD |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132177 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification and Tax Verification are missing for REO. | Reviewer Comment (2026-06-15): Received Mortgage statement,
Insurance Verification, Tax Verification and HOA Verification. Exception
cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): Insurance Verification and Tax Verification XXXX |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000132481 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-12): Clearing based on review
coming back within tolerances. |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132483 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Dry State. Effective Date must be prior to or on Disbursement Date of XXXX. | Reviewer Comment (2026-06-15): Received PCCD confirming
Disbursement Date & Effective Date were same. Exception cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000132483 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132787 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133606 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval is missing. | Reviewer Comment (2026-06-15): Received Approval. Exception
cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): Please see uploaded Approval/Underwriting Summary. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131541 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-06-16): Received 1025 |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000131321 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Coverage is short $XXXX. | Reviewer Comment (2026-06-25): Received, Clearing. Seller Comment (2026-06-25): Comment from XXXX (XXXX): The policy provided at delivery includes replacement cost |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131586 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-06-22): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): other page already in file see attached. Reviewer Comment (2026-06-18): Received hazard policy does not confirm the policy period(Effective and Expiration Dates) and the total premium value. Exception remains. Buyer Comment (2026-06-17): Comment from XXXX (XXXX): Advise how this incomplete? Reviewer Comment (2026-06-15): Received incomplete Hazard Insurance Policy, Exception Reince. Seller Comment (2026-06-15): Comment from XXXX (XXXX): HOI |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000131586 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Reviewer Comment (2026-06-15): Received 1025 with rent
schedule Seller Comment (2026-06-15): Comment from XXXX (XXXX): Appraisal rental income |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000132790 | XXXXX | XXXXX | 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. | Missing evidence the borrower was provided a copy of the appraisal within three business days prior to closing. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000132790 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Using the coverage listed on the insurance binder, the shortage is $XXXX. | Reviewer Comment (2026-06-14): Received an email from the
insurer confirming that the policy includes an additional XXXX% extended
replacement cost for the dwelling $XXXX and the shortfall is covered.
Exception cleared. Seller Comment (2026-06-12): Comment from XXXX (XXXX): Hello, please kindly see the attached email from the Insurance Agent confirming additional replacement cost in the amount of XXXX%. Thank you. |
06/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000131588 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Incomplete Hazard Insurance Policy is available in file. | Reviewer Comment (2026-06-16): Received Hazard Insurance
Policy Incomplete page. Exception cleared. Seller Comment (2026-06-16): Comment from XXXX (XXXX): HOI |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000131588 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Tax Verification is missing for XXXX | Reviewer Comment (2026-06-16): Received tax verification Reviewer Comment (2026-06-16): Received Closing Disclosure not conforming the tax amount. Exception Remains. Seller Comment (2026-06-16): Comment from XXXX (XXXX): Final CD evidencing taxes and insurance |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000131588 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Lease agreement or Comparable Rent Schedule and Tax Verification is missing for XXXX | Reviewer Comment (2026-06-16): Received 1025 and taxes |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000133314 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-15): Clearing based on review
coming back within tolerances. |
06/15/2026 | No | 1 | A | A | A | A | A | MD | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000132814 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Commitment does not list coverage amount. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Title Policy |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133329 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-15): Clearing based on review
coming back within tolerances. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132156 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-15): Clearing based on review
coming back within tolerances. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000133572 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Reviewer Comment (2026-06-15): Accepted as is. |
06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000133572 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Greater than 3 Year ARM Non-Compliant | New York Subprime Loan: APR on subject loan of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX% + XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-06-15): Accepted as is. |
06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000133321 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment was not found in file. | Reviewer Comment (2026-06-12): Received Prepayment Note
Addendum. Exception cleared. Seller Comment (2026-06-12): Comment from XXXX (XXXX): There is not a prepayment |
06/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| XXXXX | 4000133764 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-15): Clearing based on review
coming back within tolerances. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132426 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130380 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130380 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-12): Accepted as is. |
06/12/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130055 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $XXXX on LE but disclosed as $XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-06-17): XXXX Received Valid COC
dated XXXX along with LE dated XXXX. Seller Comment (2026-06-16): Comment from XXXX (XXXX): attached |
06/17/2026 | 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 | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000129914 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000129027 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2026-06-22): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): RCE |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129027 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-12): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Second Home | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000131907 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132283 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is missing. | Reviewer Comment (2026-06-14): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-06-12): Comment from Post Closing (XXXX): See attached |
06/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132283 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance for the subject property is required and must equal at least six (6) months of local average monthly rents. | Reviewer Comment (2026-06-14): Received the Hazard
Insurance Policy confirming that rent loss coverage is included. Exception
cleared. Seller Comment (2026-06-12): Comment from Post Closing (XXXX): See attached |
06/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132866 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for . | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132866 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher-Priced Loan. | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128258 | XXXXX | XXXXX | 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 (2026-06-15): Accepted as is. |
06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132813 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Commitment in file does not list coverage amount. | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): please see attached doc Jk |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130200 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA 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. (Type:Secondary/XXXX) | Reviewer Comment (2026-06-15): Accepted as is. |
06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131043 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-16): Clearing based on review
coming back within tolerances. |
06/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000130121 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-06-15): Accepted as is. |
06/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132641 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000132425 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000132511 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal dated XXXX missing evidence of receipt. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132511 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher-Priced Mortgage Loan. | Reviewer Comment (2026-06-23): Received, Clearing. Reviewer Comment (2026-06-23): We need the earlier dated appraisal. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132511 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal dated XXXX missing evidence of receipt. | Reviewer Comment (2026-06-23): Received, Clearing. Reviewer Comment (2026-06-23): We need the earlier dated appraisal. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133154 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Reviewer Comment (2026-06-18): Received 442 - Certificate
of Completion. Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): 1004D |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | N/A | No | ||||||||||||||
| XXXXX | 4000128827 | XXXXX | XXXXX | Property | Property - Appraisal | Property Eligibility - Zoning and Usage | Property - Appraisal | Valuation Issue: Subject use is illegal for zoning. | - | The appraisal indicates the subject has illegal zoning. | Reviewer Comment (2026-06-26): Received, Clearing. Seller Comment (2026-06-25): Comment from XXXX (XXXX): This was a typo. Please see appraiser commentary. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | A | A | C | A | N/A | No | |||||||||||||
| XXXXX | 4000133222 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2026-06-15): Received Certificate of Good
Standing. Exception cleared. Seller Comment (2026-06-15): Comment from XXXX (XXXX): Please see the attached doc |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133222 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. | Coverage is short $XXXX | Reviewer Comment (2026-06-22): Received updated Flood
Insurance policy with sufficient coverage. Exception cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Please see the uploaded flood policy Reviewer Comment (2026-06-15): Flood insurance coverage of $XXXX is $1XXXX short of the requirement Buyer Comment (2026-06-15): Comment from XXXX (XXXX): per G/L max $ XXXX |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133222 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance amount is $XXXX. The loan amount is $XXXX. Replacement Cost Estimator is missing. | Reviewer Comment (2026-06-15): Coverage is greater than
loan amount which meets guidelines Buyer Comment (2026-06-15): Comment from XXXX (XXXX): XXXX does not provide Replacement cost Estimator& coverage is more than than the loan amount. |
06/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000127750 | XXXXX | XXXXX | 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 (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133049 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129789 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-16): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AZ | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000133774 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not state a coverage amount. | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000133771 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Legal description is missing. | Reviewer Comment (2026-06-22): Received Legal Description.
Exception cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): XXXX: Please see the attached // |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132991 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within CA and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000133349 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-16): Accepted as is. |
06/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000132693 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129227 | XXXXX | XXXXX | 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 3 business days prior to consummation. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000129227 | XXXXX | XXXXX | 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. | The initial CD on file is dated XXXX and received the same day, which is less than 3 days from closing | Reviewer Comment (2026-06-18): XXXX received XXXX Initial
CD, 3 business days prior to the consummation. Seller Comment (2026-06-17): Comment from XXXX (XXXX): Initial CD |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000129227 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | 2-4 unit Condo with no master policy. Project has 2 units. Legal documents require a master policy however the unit owners carry their own HO3 policies. Client exception approval in file conditioned upon receipt of he HO3 policies for both units however only policy received is for the subject unit. Missing unit A policy, | Reviewer Comment (2026-06-17): c Seller Comment (2026-06-17): Comment from XXXX (XXXX): Master Policy |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131620 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-18): Clearing based on review
coming back within tolerances. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132173 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-06-18): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Insurance |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000133274 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Assets for Closing of $XXXX is less than Cash from Borrower $XXXX. Available for Closing is insufficient to cover Cash from Borrower. | Reviewer Comment (2026-06-17): Received, Clearing. Seller Comment (2026-06-17): Comment from XXXX (XXXX): XXXX: Please see the attached transaction through XXXX for XXXX xXXXX. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133274 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of 3.00. | Reviewer Comment (2026-06-17): Received, Clearing. Seller Comment (2026-06-17): Comment from XXXX (XXXX): XXXX: Please see the attached transaction through XXXX for XXXX XXXX. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133274 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Verification of Real Estate Taxes for the subject were not provided in file. | Reviewer Comment (2026-06-17): Received Tax verification.
Exception cleared. Seller Comment (2026-06-17): Comment from XXXX (XXXX): XXXX: Please see the attached email from the title agent confirming $XXXX in annual property taxes. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129798 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-18): Clearing based on review
coming back within tolerances. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000133006 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-18): Clearing based on review
coming back within tolerances. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129939 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Asset account statement listed on 1003 not provided. | Reviewer Comment (2026-06-17): Received Bank statement for
account #XXXX confirms a balance of $XXXX is included in assets. Assets
Available for Closing is sufficient to cover Cash From Borrower. Exception
cleared. Seller Comment (2026-06-17): Comment from Purchasing Team (XXXX): Please see XXXX acct XXXX statement |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129939 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Asset account statement listed on 1003 not provided. | Reviewer Comment (2026-06-17): Received Bank statement for
account #XXXX confirms a balance of $XXXX is included in assets. Assets
available for reserves is sufficient to meet guidelines reserves requirement.
Exception cleared. Seller Comment (2026-06-17): Comment from Purchasing Team (XXXX): Please see XXXX acct XXXX statement |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000129939 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Incorporation not provided | Reviewer Comment (2026-06-21): Received Articles of
Incorporation. Exception cleared. Seller Comment (2026-06-19): Comment from Purchasing Team (XXXX): Please see attached Articles of Incorporation. Reviewer Comment (2026-06-18): Received the Bylaws and Business Entity Listing, which are already available in the file however, the Articles of Incorporation is required. Exception remains. Seller Comment (2026-06-17): Comment from Purchasing Team (XXXX): Articles of Incorporation |
06/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000129939 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-19): Clearing based on review
coming back within tolerances. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134600 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage of $ XXXX is insufficient.. A replacement costs estimator was not provided in file. | Reviewer Comment (2026-06-24): Coverage is greater than the
UPB which meets guidelines Reviewer Comment (2026-06-22): File did not contain an estimated cost to replace from the insurer. Calculations are based on 80% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. Exception remains. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Please see the uploaded G/L Reviewer Comment (2026-06-17): No RCE has been provided so XXXX% of $XXXX is used resulting in a $XXXX shortage. Buyer Comment (2026-06-17): Comment from XXXX (XXXX): Dwelling coverage is sufficient no replacement est needed. Please escalate to upper management. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130907 | XXXXX | XXXXX | 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 3 business days prior to consummation. | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130907 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130907 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Power of Attorney (POA) not provided | Power of Attorney required, security instrument signed utilizing a POA. | Reviewer Comment (2026-06-18): Received Power of Attorney
(POA). Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Please see attached the POA. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131175 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The calculated P&I is $XXXX, compared to the P&I reflecting on the note of $XXXX. | Reviewer Comment (2026-06-25): Received, Clearing. Seller Comment (2026-06-24): Comment from XXXX (XXXX): Please see rebuttal. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133468 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. | Subject transaction does not escrow taxes and insurance as required. | Reviewer Comment (2026-06-25): Loan was relocked on XXXX
which updated the APOR Buyer Comment (2026-06-25): Comment from XXXX (XXXX): XXXX Disagree there was a lock update on XXXX which updated the APOR to XXXX%. There for the Apr of XXXX%- APOR XXXX = a difference of XXXX%. Which is below the threshold of XXXX% and passing HPML and therefore an Escrow account is not required Reviewer Comment (2026-06-22): Based on an initial lock date of XXXX, the APOR index is XXXX% dated XXXX. Buyer Comment (2026-06-22): Comment from XXXX (XXXX): XXXX Disagree. This loan is passing HPML and therefore escrows are not required. Reviewer Comment (2026-06-18): HPML requires escrow be have a lender paid escrow. This doesn't so it's HMPL non compliant. Buyer Comment (2026-06-18): Comment from XXXX (XXXX): XXXX Disagree. The APR of XXXX%- APOR XXXX%= difference of XXXX. This loan is passing HPML. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | If escrow was established before consummation for one
impound item but not the other (e.g. taxes but not insurance), cure available
by escrowing item that was not previously included. Proof of new escrow setup
required. If no escrow account was established at or before consummation, no cure available. |
C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133468 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Higher priced mortgage loan is non-compliant due to taxes and insurance not being escrowed. | Reviewer Comment (2026-06-25): Loan was relocked on XXXX
which updated the APOR Buyer Comment (2026-06-25): Comment from XXXX (XXXX): XXXX Disagree there was a lock update on XXXX which updated the APOR to XXXX%. There for the Apr of XXXX%- APOR XXXX = a difference of XXXX%. Which is below the threshold of XXXX% and passing HPML and therefore an Escrow account is not required Reviewer Comment (2026-06-22): Based on an initial lock date of XXXX, the APOR index is XXXX% dated XXXX. Buyer Comment (2026-06-22): Comment from XXXX (XXXX):XXXX Disagree. This loan is passing HPML and therefore escrows are not required. Reviewer Comment (2026-06-18): HPML requires escrow be have a lender paid escrow. This doesn't so it's HMPL non compliant. Buyer Comment (2026-06-18): Comment from XXXX (XXXX): XXXX Disagree. The APR of XXXX%- APOR XXXX%= difference of XXXX. This loan is passing HPML. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133468 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception on tape. Lender exception to allow the borrower to be self-employed for less than two years. Borrower's business was incorporated XXXX and CPA letter confirms borrower's prior employment was in the same line of work. Compensating factors are the median FICO of XXXX and an additional 3 months of reserves. | Borrower has verified disposable income of at least
$2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-18): Client elects to
waive/regrade with compensating factors. |
06/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000133467 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception to proceed using a credit supplement to document the borrower's 12-month primary mortgage with two private lenders. Compensating factors include the DSCR is XXXX and the LTV is XXXX%. | Borrower has owned the subject property for at least 5
years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-17): Client exception
received. Buyer Comment (2026-06-17): Comment from XXXX (XXXX): XXXX: The lender exception was approved prior to closing and the loan otherwise meets all guidelines, however this was cited as a material finding/grade 3. Please confirm what is being requested? |
06/17/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Home Improvement | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000131356 | XXXXX | XXXXX | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Reviewer Comment (2026-06-22): Received Rate Lock Document.
Exception cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Lock Docs |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000132875 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Appraisal Invoice Fee was not found in file. | Reviewer Comment (2026-06-24): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-06-24): Comment from XXXX (XXXX): Please see appraisal fee invoice |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132875 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Appraisal Re-Inspection Fee was not found in file. | Reviewer Comment (2026-06-24): Received POCB Invoice for
Appraisal Re-Inspection Fee. Exception cleared. Seller Comment (2026-06-24): Comment from XXXX (XXXX): Please see invoice for appraisal re-inspection fee |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132875 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132875 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Reviewer Comment (2026-06-24): Received POCB Invoices for
Appraisal Fee and Appraisal Re-Inspection Fee. Exception cleared. |
06/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132875 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-24): Received POCB Invoices for
Appraisal Fee and Appraisal Re-Inspection Fee. Exception cleared. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133721 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Income Statement (VRBO, Airbnb, etc.) not provided | Airbnb document missing in the file. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-17): Client elected to
waive/regrade with compensating factors.
Lender exception provided. |
06/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000128962 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128962 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128962 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | The Flood Insurance Policy effective date is after the Note Date. | Flood Insurance Policy Effective Date ___, Note Date ___ | Flood Insurance Effective date is XXXX. The Note date is XXXX. | Reviewer Comment (2026-06-25): Dry State. Policy effective
on the day of disbursement is acceptable Reviewer Comment (2026-06-23): A purchase in wet state needs coverage from the note signing. An updated policy or an LOE of no claims or damage from the insurer would be needed. Seller Comment (2026-06-23): Comment from Purchasing Team (XXXX): LOX REGARDING DISBURSEMENT DATE |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128962 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing. | Reviewer Comment (2026-06-23): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-06-23): Comment from Purchasing Team (XXXX): INSURANCE FOR REO |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000128962 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-19): Clearing based on review
coming back within tolerances. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Second Home | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000131875 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Updated Security Instrument is required the security instrument is dated XXXX however it was signed on XXXX. | Reviewer Comment (2026-06-18): Received, Clearing. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Please see uploaded DOT. |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133692 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-17): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000134436 | XXXXX | XXXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | FICO score of XXXX is less than Guideline representative FICO score of XXXX. Borrower 1 is missing their Experian credit score. | Reviewer Comment (2026-06-17): Received, Clearing. Buyer Comment (2026-06-17): Comment from XXXX (XXXX): Per our XXXX Guidelines, when multiple guarantors hold the same ownership percentage (here, both borrowers are 50/50), the higher guarantor score is used as the qualifying FICO. For any guarantor whose credit report returns only two scores, the lower of those two is used as that guarantor's representative score. In this case, the qualifying FICO for the loan remains XXXX. |
06/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133420 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Page 4 of the Final CD does not reflect the box checked for not having an escrow account. | Reviewer Comment (2026-06-26): XXXX Received Letter of
Explanation & Corrected Closing Disclosure. Seller Comment (2026-06-25): Comment from XXXX (XXXX): Please see attached LOE and Post CD Reviewer Comment (2026-06-23): Final Closing Disclosure did not designate a reason on Page 4 " Escrow Account - Will Not Have an Escrow Account Because" - reason was missing and not marked as "declined" or "lender does not offer". Letter of Explanation and Corrected CD required to cure. Seller Comment (2026-06-22): Comment from XXXX (XXXX): COC uploaded |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133420 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-23): XXXX Received Valid COC
dated XXXX. Seller Comment (2026-06-22): Comment from XXXX (XXXX): COC uploaded |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132792 | XXXXX | XXXXX | 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. | Receipt of Appraisal is not found in the file. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132792 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133022 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three business days prior to consummation. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131890 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within CA and does not reflect a coverage amount. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131890 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification that appraisal was delivered to borrower was not found in file. | Reviewer Comment (2026-06-17): Accepted as is. |
06/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134867 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000134867 | XXXXX | XXXXX | 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 Recording Fee Total. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Recording Fee Total. Fee amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-06-29): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-06-26): Comment from XXXX (XXXX): please see attached |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000134867 | XXXXX | XXXXX | 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 XXXX. 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 XXXX. | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000134867 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | A corrected Closing Disclosure issued on XXXX contains a change in APR, and a complete Closing Disclosure was not received by the borrower at least three (3) business days prior to consummation. | Reviewer Comment (2026-07-06): XXXX received interim CD
dated XXXX. Seller Comment (2026-07-06): Comment from XXXX (XXXX): please see attached Reviewer Comment (2026-06-26): Consummation date 6-5-26. The 6-5-26 Final CD had a change in APR exceeding .XXXX% disclosed as XXXX% and an increasing finance charge of $XXXX from the previous CD, which is the XXXX initial CD at XXXX% and $XXXX finance charge. Though the APR decreased the finance charge increased and confirms that the prior CD became inaccurate as both APR & Finance charge had not been overstated. If any missing CD's were not provided that would meet the timing requirements, please provide. Guidance is found in CFPB FAQ under question #2: FAQ quote: 2. Is a creditor required to ensure that a consumer receives a corrected Closing Disclosure at least three business days before consummation if the APR decreases (i.e., the previously disclosed APR is overstated) The answer depends on whether the overstated APR that was previously disclosed on the Closing Disclosure is accurate or inaccurate under Regulation Z. If the overstated APR is accurate under Regulation Z, the creditor must provide a corrected Closing Disclosure, but the creditor is permitted to provide it at or before consummation without a new three business-day waiting period. 12 CFR § 1026.19(f)(2)(i). If the overstated APR is inaccurate under Regulation Z, the creditor must ensure that a consumer receives a corrected Closing Disclosure at least three business days before the loan's consummation (i.e., the inaccurate APR triggers a new three-business day waiting period). 12 CFR § 1026.19(f)(2)(ii). A disclosed APR is accurate under Regulation Z if the difference between the disclosed APR and the actual APR for the loan is within an applicable tolerance in Regulation Z, 12 CFR § 1026.22(a). For transactions secured by real property or a dwelling, Regulation Z includes several tolerances that might apply, including a tolerance whereby the disclosed APR is considered accurate if it results from the disclosed finance charge being overstated. See 12 CFR § 1026.22(a)(4). For example, if the APR and finance charge are overstated because the interest rate has decreased, the APR is considered accurate. Thus, the creditor may provide the corrected Closing Disclosure to the consumer at consummation, and is not required to ensure that the consumer receives the corrected Closing Disclosure at least three business days before consummation. Buyer Comment (2026-06-25): Comment from XXXX (XXXX): Loan is non-QM, please advise if additional docs are needed to clear |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||
| XXXXX | 4000134867 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Higher-Priced Mortgage Loan. | Reviewer Comment (2026-06-24): Received, Clearing. Reviewer Comment (2026-06-24): Non-Compliant due to Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. Buyer Comment (2026-06-24): Comment from XXXX (XXXX): Loan is non-QM and only required to pass Federal High Cost |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000134867 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-24): Received, Clearing. Seller Comment (2026-06-24): Comment from XXXX (XXXX): Please see attached - delivery date of XXXX on the right side |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000134867 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing wire receipt or donor check in the amount of $XXXX. | Reviewer Comment (2026-06-26): Received Donor Check.
Exception cleared. Seller Comment (2026-06-26): Comment from XXXX (XXXX): please see attached |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000134867 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing wire receipt or donor check in the amount of $XXXX. | Reviewer Comment (2026-06-26): Received Donor Check.
Exception cleared. Seller Comment (2026-06-26): Comment from XXXX (XXXX): please see attached |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000134226 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-19): Clearing based on review
coming back within tolerances. |
06/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134868 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000134868 | XXXXX | XXXXX | 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 XXXX. 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 XXXX. | Loan exempt from QM/ATR submitted with a loan originator designation of other than XXXX. 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 XXXX. | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000134868 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX 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 $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX 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 XXXX). | Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. | Reviewer Comment (2026-06-25): XXXX received final CD. Seller Comment (2026-06-24): Comment from XXXX (XXXX): Please see attached Final CD issued XXXX |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000134868 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Reviewer Comment (2026-06-25): XXXX received final CD. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000134868 | XXXXX | XXXXX | 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 HOA Fees. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | HOA fees are disclosed as a loan cost in section C. These fees should be disclosed in section H. | Reviewer Comment (2026-07-13): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-07-09): Comment from XXXX (XXXX): please see attached |
XXXXX | No | 2 | B | B | B | B | B | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||||||
| XXXXX | 4000134868 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX 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 $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX 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 XXXX). | Finance charge is under disclosed in the amount of $XXXX. Please provide LOE of fee purpose for Title - Title Transaction Fee and Title - Taxes and Assessments Fee for review. | Reviewer Comment (2026-07-10): XXXX received PCCD, LOE,
Copy of Refund Check and Proof of Mailing. Seller Comment (2026-07-09): Comment from XXXX (XXXX): please see attached Reviewer Comment (2026-07-01): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX 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 $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX 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 XXXX). (Final/XXXX) Reviewer Comment (2026-07-01): Unable to determine lender's calculations, missing lender compliance report. XXXX updated calculations and the following fees were included in calculations: Flood Cert $XXXX, Orig Fee $XXXX, Prepaid Int $XXXX, Tax Service $XXXX, Title-Title Transaction $XXXX, Title-Closing Protection Letter $XXXX, Title-Delivery & Overnight fees $$XXXX & $XXXX, Title-Technology Fee $XXXX, Title-Notice of Settlement $XXXX, Title-Document Recording $XXXX & XXXX, Title-Settlement $XXXX and Underwriting fee $XXXX. Any fee that lender does not agree should be a finance charge, lender should provide a written lender attestation giving the specific services provided within that fee. Otherwise cure with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $XXXX and proof of mailing. Buyer Comment (2026-06-29): Comment from XXXX (XXXX): Please list finance charges in calculations |
XXXXX | No | 2 | B | B | B | B | B | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||||||
| XXXXX | 4000134868 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller fees do not match borrower final CD. | Reviewer Comment (2026-07-06): XXXX received closing
statement Seller Comment (2026-07-01): Comment from XXXX (XXXX): please see attached |
07/06/2026 | No | 1 | A | A | A | A | A | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||||||
| XXXXX | 4000132845 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2026-06-22): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Please see attached |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133009 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-18): Received, Clearing. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132333 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000130707 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA 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. (Type:Primary/XXXX) | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130707 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA 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. (Type:Secondary/XXXX) | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OR | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133677 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-22): Cleared based on review
coming back within tolerances |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131374 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Paystub/WVOE is missing | Reviewer Comment (2026-06-18): Received Paystub and
third-party income verification documents. Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): Income Docs |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131374 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy is Missing for Subject Property | Reviewer Comment (2026-06-18): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-06-18): Comment from XXXX (XXXX): HOI Policy |
06/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131374 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Reviewer Comment (2026-06-23): Received, Clearing. Buyer Comment (2026-06-23): Comment from XXXX (XXXX): Can this condition be cleared as we have provided the incomes docs and the income condition has been cleared. |
06/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | IN | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131374 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-23): Received, Clearing. Buyer Comment (2026-06-23): Comment from XXXX (XXXX): Can this condition be cleared as we have provided the incomes docs and the income condition has been cleared. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133023 | XXXXX | XXXXX | 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. | Receipt of appraisal is missing. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133023 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Appraisal POCB invoice is missing and needed to cover reserve requirements. | Reviewer Comment (2026-06-22): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133023 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Originator Loan Designation of Non-QM updated from guidelines. | Reviewer Comment (2026-06-22): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133023 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components, which could impact the borrower's ability to repay. | Reviewer Comment (2026-06-22): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133023 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131772 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-22): Cleared based on review
coming back within tolerances |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000132152 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-22): Cleared based on review
coming back within tolerances |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135010 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-22): Cleared based on review
coming back within tolerances |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135164 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-22): Cleared based on review
coming back within tolerances |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135164 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for DSCR ratio < 1 (XXXX) - looking for an exception to allow a XXXX% LTV. Compensating Factors include escrows are waived, if impounds are removed, the DSCR would go > 1, high credit score of XXXX, XXXX+ months reserves with cash out. Comp factors XXXXmonths reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-06-18): Client elects to
waive/regrade with compensating factors. |
06/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | OH | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000133386 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-06-22): Client elects to waive |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000132759 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of $XXXX is less than the note amount of $XXXXX based on the Preliminary in file. |
Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Refinance - Rate/Term | B | B | B | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000133682 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal sent XXXX (D0375) Valuation performed XXXX. | Reviewer Comment (2026-06-22): Client elects to waive |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135084 | XXXXX | XXXXX | 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 XXXX. 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 XXXX. | TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000135084 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Ohio Consumer Sales Practices Act: Acknowledgment of Receipt of Home Mortgage Loan Information Document not retained by lender. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000135084 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Default Rate Increase) | Ohio Consumer Sales Practices Act: Mortgage loan contains a provision that increases interest rate after default. | Ohio Consumer Sales Practices Act: Mortgage loan contains a provision that increases the interest rate after default. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000135084 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided Timely) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure at Closing. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000131505 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC is Missing | Reviewer Comment (2026-06-23): Received Fraud Report.
Exception cleared. Seller Comment (2026-06-23): Comment from XXXX (XXXX): attached SAM and OFAC |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131505 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | No evidence of fraud report in file. | Reviewer Comment (2026-06-23): Received Fraud Report.
Exception cleared. Seller Comment (2026-06-23): Comment from XXXX (XXXX): attached Data Verify Reviewer Comment (2026-06-18): Received Fraud Report reflects High Impact Variances which are not cleared. Please provide updated Fraud Report with all red flags addressed. Exception remains. Seller Comment (2026-06-17): Comment from XXXX (XXXX): attached if the fraud report Seller Comment (2026-06-17): Comment from XXXX (XXXX): FRAUD REPORT attached |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000135091 | XXXXX | XXXXX | 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 XXXX. 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 XXXX. | TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-06-18): Accepted as is. |
06/18/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000135091 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing | Reviewer Comment (2026-06-18): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000135091 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Reviewer Comment (2026-07-06): XXXX% LTV allowed at XXXX
with a XXXX FICO for owner occupied property Buyer Comment (2026-07-06): Comment from XXXX (XXXX): Borrower's credit score of XXXX allows to XXXX LTV up to XXXX |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000135091 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Reviewer Comment (2026-07-06): XXXX% LTV allowed atXXXX
with a XXXX FICO for owner occupied property |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000135085 | XXXXX | XXXXX | 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 XXXX. 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 XXXX. | TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000135085 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000135085 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Escrow Not Established) | New York Subprime Loan: Mandatory escrow account not established for the collection of property taxes and insurance on first lien loan. (Note: Does not apply if the borrower can demonstrate a record of 12 months of timely payments of taxes and insurance on a previous home loan.) | No escrow. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000135085 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000135085 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-22): Cleared based on review
coming back within tolerances |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Exempt from ATR | No | ||||||||||||
| XXXXX | 4000135093 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000135093 | XXXXX | XXXXX | 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 XXXX. 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 XXXX. | TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000135093 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller Closing Disclosure was not found in file. | Reviewer Comment (2026-06-26): XXXX received seller CD Seller Comment (2026-06-25): Comment from XXXX (XXXX): please see attached Reviewer Comment (2026-06-23): XXXX received Seller CD. However, require copy of Final Seller Settlement Statement to verify the fees paid by seller at closing. Sales contract states Buyer pays all closing costs, however, there are realtors involved which Seller would typically pay those costs. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Please see attached |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000135093 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-18): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | ||||||||||
| XXXXX | 4000132922 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133021 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130573 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state a first-time investor is a borrower who has not owned an investment property in the past two (2) years. First-time investors are eligible when the DSCR is greater than 1.00 and the qualifying FICO is greater than 700. The borrower has a qualifying FICO of XXXX, satisfying the FICO requirement; however, the DSCR is below 1 at XXXX. Borrower previously owned an investment property through their LLC; however, this was sold XXXX. The borrower has an additional 102 months of reserves documented. Lender exception approved. Comp Factors: LTV XXXX%, XXXX months of reserves. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-18): Client elects to
waive/regrade with compensating factors. |
06/18/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | SC | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000130173 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000130482 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-22): Cleared based on review
coming back within tolerances |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000133205 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133205 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Missing copy of blanket master condo policy | Reviewer Comment (2026-06-23): Received, Clearing. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000129053 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-19): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000132505 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | The Master Policy expires within 90 days of the Note Date. | Reviewer Comment (2026-06-19): Accepted as is. |
06/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000134091 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-23): Clearing based on review
coming back within tolerances. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135144 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. | Flood Insurance Coverage Amount is insufficient by $XXXX. | Reviewer Comment (2026-06-24): Received updated Flood
Insurance policy with sufficient coverage. Exception cleared. Seller Comment (2026-06-24): Comment from XXXX (XXXX): Increased Coverage |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MN | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135468 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-22): Accepted as is per
client. |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000135468 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. | Reviewer Comment (2026-06-29): Updated per PCCD.
Cleared. Seller Comment (2026-06-29): Comment from XXXX (XXXX): The cash to close amount is NOT $XXXX The Final CD does not reflect the most up-to-date fees. Please always refer to the PCCD included in the closing package, as it contains updated figures. There is also no need to include the POC amount, as those funds were paid outside of closing. For your convenience, I have uploaded the Final Settlement Statement along with the matching PCCD. The borrower received $XXXX in cash back at closing and has $XXXX in remaining assets, for a total of $XXXX, which exceeds the required reserves of $XXXX. Reviewer Comment (2026-06-29): XXXX. account statements#XXXX reflects balance of $XXXX. Available funds for Closing $XXXX(=Gift $XXXX+POCB $XXXX+#XXXX funds $XXXX). The cash from borrower required is $XXXX, which includes cash to close of $XXXX per final CD and POCB of $XXXX. Available for Reserves is $XXXX, and required reserves total $XXXX, representing 6months of P&I at $XXXX. Total Shortfall of $XXXX. Please provide additional assets to cover the shortfall. Exception remains. Seller Comment (2026-06-26): Comment from XXXX (XXXX): Please explain how we are still short. The required reserve amount is 6 months of P&I, totaling $XXXX. The borrower is receiving $XXXX in cash back at closing and has an additional $XXXX in assets, for a total of $XXXX, which exceeds the required reserves. Appraisal invoice attached. Reviewer Comment (2026-06-26): Bank statement received and included in assets; however, a reserve shortfall of $XXXX remains. Please provide additional assets of $XXXX and an appraisal invoice for the POCB amount of $XXXX. Exception remains. Seller Comment (2026-06-25): Comment from XXXX (XXXX): ADDITIONAL ASSET PROVIDED ALONG WITH 1008 AND 1003 |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | B | B | A | A | Non QM | N/A | No | |||||||||||
| XXXXX | 4000135468 | XXXXX | XXXXX | 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. Appraisal dated less than (3) business days prior to consummation. |
Reviewer Comment (2026-06-22): Accepted as is per
client. |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000131454 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-23): Clearing based on review
coming back within tolerances. |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131454 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Flood Certificate is missing. | Reviewer Comment (2026-06-24): Received Flood Certificate.
Exception cleared. Seller Comment (2026-06-23): Comment from XXXX (XXXX): Flood |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135587 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of Non-US Citizen Status is missing. | Reviewer Comment (2026-06-22): Received Permanent Resident
Card. Exception cleared. Seller Comment (2026-06-22): Comment from XXXX (XXXX): please see attached |
06/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135578 | XXXXX | XXXXX | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lease Agreement was not found in file. | Reviewer Comment (2026-07-02): Lease agreement received Seller Comment (2026-07-02): Comment from XXXX (XXXX): Lease |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000133949 | XXXXX | XXXXX | 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 (2026-06-22): Accepted as is Reviewer Comment (2026-06-22): Proof of appraisal receipt to applicant three (3) business days prior to consummation is required. Exception remains. Seller Comment (2026-06-22): Comment from XXXX (XXXX): Kindly see attached document. Thank you. |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133644 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is less than Original Loan Amount. | Reviewer Comment (2026-06-22): Client elects to waive |
06/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NM | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000133628 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. | Reviewer Comment (2026-07-20): Updated policy received with
increased coverage Seller Comment (2026-07-17): Comment from XXXX (XXXX): Revised Insurance Reviewer Comment (2026-07-01): Updated Hazard Insurance policy has been received however there is still a shortfall of $XXXX to clear the exception. Exception remains. Seller Comment (2026-07-01): Comment from XXXX (XXXX): Updated Insurance |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WV | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133157 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount is insufficient. by $XXXX. | Reviewer Comment (2026-06-24): Received updated Replacement
Cost Estimator and the shortfall is covered. Exception cleared. Seller Comment (2026-06-24): Comment from XXXX (XXXX): HOI Reviewer Comment (2026-06-23): As per the Replacement Cost Estimator document, the reconstruction cost including debris removal is $XXXX. HOI coverage amount $XXXX does not meet the required XXXX% replacement cost value, i.e.,$XXXX. There is shortfall of $XXXX. Please provide updated hazard policy or Replacement Cost Estimator. Exception Remains. Seller Comment (2026-06-23): Comment from XXXX (XXXX): HOI is correct |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133157 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Track record documentation other than application is missing and is required based on guidelines. | Verified and associated Final 1003, Credit Report and Fraud Report | Reviewer Comment (2026-06-23): Track Record Updated from
Credit Report, Fraud Report and Final 1003. Received Credit Report, Fraud
Report and Final 1003. Exception cleared. Seller Comment (2026-06-23): Comment from XXXX (XXXX): 1003, credit and docs that go with it and the fraud report |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133157 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization is Missing | Reviewer Comment (2026-06-26): Received amended Articles of
Organization/Formation. Exception cleared. Seller Comment (2026-06-25): Comment from XXXX (XXXX): evidence that the name was amended with the state of Connecticut Reviewer Comment (2026-06-24): Received Articles of Organization for XXXX. As per note, the business entity name should be XXXX. Please provide the name change document evidencing the legal entity name correction or the Articles of Organization for XXXX. Exception remains. Seller Comment (2026-06-23): Comment from XXXX (XXXX): page 7 of 11 Articles of Organization |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133157 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is Missing | Reviewer Comment (2026-06-23): Received Business Entity
Listing. Exception cleared. Seller Comment (2026-06-23): Comment from XXXX (XXXX): all misc docs for LLC |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133157 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number is Missing | Reviewer Comment (2026-06-23): Received Employer
Identification Number (EIN). Exception cleared. Seller Comment (2026-06-23): Comment from XXXX (XXXX): EIN |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133157 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is Missing | Reviewer Comment (2026-06-23): As per guidelines, either an
Operating Agreement or a Borrowing Certificate (Single-Member or
Multi-Member) is required. Received Borrowing Certificate. Exception
cleared. Seller Comment (2026-06-23): Comment from XXXX (XXXX): LLC sole owner |
06/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132375 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-24): Clearing based on review
coming back within tolerances. |
06/24/2026 | No | 1 | A | A | A | A | A | NY | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000132569 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-06-25): XXXX received initial LE. Seller Comment (2026-06-24): Comment from XXXX (XXXX): true initial LE uploaded. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132569 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-23): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000132788 | XXXXX | XXXXX | 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 (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132045 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132045 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133391 | XXXXX | XXXXX | 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 (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133827 | XXXXX | XXXXX | 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. | Receipt of appraisal was not found in file. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132423 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134186 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing was not found in file. | Reviewer Comment (2026-06-24): Received, Clearing. Seller Comment (2026-06-24): Comment from XXXX (XXXX): XXXX: please see the attached documentation to support the certificate of good standing. Please note that the business status is current and active |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133617 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-24): Clearing based on review
coming back within tolerances. |
06/24/2026 | No | 1 | A | A | A | A | A | NY | Investment | Refinance - Rate/Term | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000133351 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133351 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing invoice for appraisal paid outside of closing | Reviewer Comment (2026-06-24): Received, Clearing. Seller Comment (2026-06-24): Comment from XXXX (XXXX): XXXX Please see attached invoice |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131452 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Reviewer Comment (2026-06-26): Received, Clearing. Buyer Comment (2026-06-26): Comment from XXXX (XXXX): I believe the reserves after closing were being used in lieu of rent loss per uw. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000133434 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Credit | Active Tradeline requirement not met. | - Borrower has ___ Active Tradelines which is less than the minimum required by guidelines. | Guidelines state that each borrower must have a minimum of three tradelines from traditional credit sources that reported for 24 months or more, with at least one of these open and active for the last 12 months. There are two borrowers on the file. Borrower 2 meets the tradeline requirement while Borrower 1 only has one tradeline that reported for 24 months; this tradeline is also open and active in the last 12 months. Borrower 1 also has two additional open tradelines that have reported for 17 and 14 months. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-23): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
06/23/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||
| XXXXX | 4000131455 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-06-26): Received Replacement Cost
Estimator. Exception cleared. Seller Comment (2026-06-26): Comment from XXXX (XXXX): Please see confirmation from EOI agent of Guaranteed Replacement. |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131455 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Reviewer Comment (2026-06-26): Closed in error. Email
states no rent loss which is required. Reviewer Comment (2026-06-26): . Reviewer Comment (2026-06-26): Received, Clearing. Seller Comment (2026-06-26): Comment from XXXX (XXXX): Please see attached documentation. Reserves used in lieu of Rent Loss per guideline XXXX - Rent Loss Insurance |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000131455 | XXXXX | XXXXX | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Reviewer Comment (2026-06-29): Spousal consent not
applicable per guidelines |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132277 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-24): Clearing based on review
coming back within tolerances. |
06/24/2026 | No | 1 | A | A | A | A | A | GA | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000131423 | XXXXX | XXXXX | 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 (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131774 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Loan designation failure due to XXXX. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-06-25): Received, Clearing. Seller Comment (2026-06-24): Comment from Post Closing (XXXX): Sorry for the provided wrong credit package,please see attached correct credit package and help clear all these conditions,thank you |
06/25/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131774 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, missing W-2, Paystub, LES, ETS or WVOE. | File is missing WVOE. | Reviewer Comment (2026-06-25): Received, Clearing. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131774 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. | Reviewer Comment (2026-06-25): Received, Clearing. |
06/25/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131774 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Reviewer Comment (2026-06-25): Received, Clearing. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131774 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | WVOE of Employer "XXXX" is missing. | Reviewer Comment (2026-06-25): Received, Clearing. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131774 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Reviewer Comment (2026-06-25): Received, Clearing. |
06/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000131774 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Reviewer Comment (2026-06-25): Received, Clearing. |
06/25/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000131774 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. | Reviewer Comment (2026-06-25): Received, Clearing. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131774 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan is waterfall due to missing WVOE, credit report, insufficient assets to close and insufficient reserves. | Reviewer Comment (2026-06-25): Received, Clearing. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134221 | XXXXX | XXXXX | 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 Home Warranty Premium. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Warranty Premium. Fee amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7543) | Reviewer Comment (2026-06-29): XXXX received corrected PCCD
and LOE moving the non lender required fee from section B to H. Seller Comment (2026-06-25): Comment from XXXX (XXXX): Please see attached PCCD. Home warranty fee was in incorrect section. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131540 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-06-24): Accepted as is. |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000135387 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-06-24): Received CDA. Exception
cleared. Seller Comment (2026-06-24): Comment from XXXX (XXXX): CDA Report Attached |
06/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Refinance - Cash-out - Other | D | A | A | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000135186 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-24): Clearing based on review
coming back within tolerances. |
06/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000133389 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-06-23): Accepted as is. |
06/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133826 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-06-24): Accepted as is. |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134993 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument is missing in file. | Reviewer Comment (2026-06-26): Received Security
Instrument. Exception cleared. Seller Comment (2026-06-26): Comment from XXXX (XXXX): DOT with all riders legal Reviewer Comment (2026-06-26): Security Instrument has not been received. Exception remains. Buyer Comment (2026-06-25): Comment from XXXX (XXXX): uploaded DOT with riders and legal description |
06/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | UT | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134993 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | 1003 is missing in file. | Reviewer Comment (2026-06-26): Received 1003 Final.
Exception cleared. Seller Comment (2026-06-25): Comment from XXXX (XXXX): 1003 |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134993 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Legal Description is not present in file. | Reviewer Comment (2026-06-29): Legal description provided.
Cleared. Seller Comment (2026-06-29): Comment from XXXX (XXXX): legal description Reviewer Comment (2026-06-25): We need a copy for our file. Buyer Comment (2026-06-25): Comment from XXXX (XXXX): uploaded legal description with the Deed of Trust |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132559 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment is missing. | Reviewer Comment (2026-06-26): Note Addendum - Prepayment -
cleared Seller Comment (2026-06-26): Comment from XXXX (XXXX): note addendum |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | D | B | D | B | A | A | N/A | Yes | ||||||||||||||
| XXXXX | 4000132559 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate is missing. | Reviewer Comment (2026-06-26): Associated to the Business
Purpose Cert, cleared Seller Comment (2026-06-26): Comment from XXXX (XXXX): Occupancy Affidavit |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132559 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception to XXXX guidelines short term rental DSCR under XXXX. and a First Time Investor Low LTV XXXX %; Exception approved for DSCR transaction w/STR income <XXXX DSCR ratio and first-time investor with - XXXX LPA and with noted comp factors = DSCR purchase transaction w/XXXX % down payment, XXXX FICO, XXXX DSCR ratio, & 12 months reserves. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-25): Lender exception approved |
06/25/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000132559 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 is missing. | Reviewer Comment (2026-06-26): Final 1003, cleared Seller Comment (2026-06-26): Comment from XXXX (XXXX): 1003 |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132559 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing. | Reviewer Comment (2026-06-26): Guarantor Agreement,
cleared Seller Comment (2026-06-26): Comment from XXXX (XXXX): personal guaranty |
06/26/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000130516 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Donor Check is missing for Gift funds in the amount of $XXXX. | Reviewer Comment (2026-06-29): Received Wire confirmation.
Exception cleared. Seller Comment (2026-06-29): Comment from XXXX (XXXX): Please see source attached |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000130516 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing | Reviewer Comment (2026-06-24): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132051 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-06-24): Accepted as is. |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132051 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-25): Clearing based on review
coming back within tolerances. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000132422 | XXXXX | XXXXX | 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 (2026-06-24): Accepted as is. |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133025 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-24): Accepted as is. |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132340 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lease income used since appraisal reflects unit two as vacant. The unit has been used as an XXXX until a new long-term tenant could be found. New lease has been signed and goes into effect on XXXX. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-25): Client exception
received. Seller Comment (2026-06-25): Comment from XXXX (XXXX): Credit Exception Approved and XXXX email |
06/25/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CT | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000133079 | XXXXX | XXXXX | 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 XXXX. 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 XXXX. | QM/ATR testing was performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains XXXX. | Reviewer Comment (2026-06-24): Accepted as is. |
06/24/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000133079 | XXXXX | XXXXX | 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 Fraud Prevention. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance was exceeded for Fraud Prevention. Fee amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-01): XXXX Received Corrected PCCD
and LOE moving fee to section H. Seller Comment (2026-06-30): Comment from XXXX (XXXX): See attached PCCD Reviewer Comment (2026-06-26): XXXX received rebuttal, however on CD fee is disclosed without title prefix. If fee is a title fee, corrected PCCD updating title prefix and LOE are required to clear. Seller Comment (2026-06-25): Comment from XXXX (XXXX): This was a Title required fee charged by the borrower chosen title service added at closing. See attached Settlement Statement |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 4000134028 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-06-24): Accepted as is. |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134024 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-24): Accepted as is. |
06/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134027 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-06-25): Accepted as is. |
06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134031 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-29): Clearing based on review
coming back within tolerances. |
06/29/2026 | No | 1 | A | A | A | A | A | VA | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000134473 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | Reviewer Comment (2026-06-25): Accepted as is. |
06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134188 | XXXXX | XXXXX | 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 (2026-06-25): Accepted as is. |
06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134188 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-29): Clearing based on review
coming back within tolerances. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000134496 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-25): Accepted as is. |
06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134498 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-25): Accepted as is. |
06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135459 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance policy start date XXXX. | Reviewer Comment (2026-06-25): Received, Clearing. Seller Comment (2026-06-25): Comment from XXXX (XXXX): Please see correct EOI uploaded. |
06/25/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133354 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2026-06-29): Received, Clearing. Seller Comment (2026-06-29): Comment from XXXX (XXXX): XXXX: please note the updated lender letter from Fannie Mae XXXX confirms that the insurance must confirm the insurance loss settlement is covered by replacement cost. as long as the insurance confirms replacement cost is the lose settlement for the dwelling we have sufficient coverage. Please see the attached lender letter from XXXX on page #4 that confirms "The property insurance policy must provide coverage on a replacement cost basis, with the exception of roofs; property insurance policies that provide such terms of coverage will be deemed to provide sufficient coverage. " Please see page #4 of the insurance policy that confirms the limit of liability for this structure is based on an estimated replacement cost. Because the insurance was underwritten to a loss settlement basis of replacement cost, we are within the allowable guidelines and the coverage would be considered sufficient based on the updated guidelines. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133354 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-06-25): Accepted as is. |
06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000134486 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-25): Accepted as is. |
06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Refinance - Cash-out - Other | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134486 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-08): Received Appraisal.
Exception cleared. Seller Comment (2026-07-08): Comment from XXXX (XXXX): Appraisal #1 Reviewer Comment (2026-07-07): Two independent appraisals are required to be delivered for loan amounts > $XXXX. Same appraisal report provided. Exception remains. Seller Comment (2026-07-07): Comment from XXXX (XXXX): 2nd appraisal attached again. please confirm receipt Reviewer Comment (2026-07-01): Secondary Valuation is required to clear the exception. Exception remains. Buyer Comment (2026-07-01): Comment from XXXX (XXXX): Is there anything you need from me to help clear this? Reviewer Comment (2026-06-30): Exception is for missing secondary valuation. COC doesn't resolve this. Seller Comment (2026-06-29): Comment from XXXX (XXXX): See attached COC / this was an appraisal rush fee Reviewer Comment (2026-06-26): Document didn't come through. Seller Comment (2026-06-25): Comment from XXXX (XXXX): 2nd appraisal |
07/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Second Home | Refinance - Cash-out - Other | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000134486 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $XXXX on Loan Estimate but disclosed as $XXXX on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. Provide a post-close Closing Disclosure disclosing the tolerance cure to include $XXXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | Reviewer Comment (2026-07-10): XXXX Received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-07-09): Comment from XXXX (XXXX): Cure credit: copy of check, PCCD, letter to borr and XXXXX label for check shipped to borr Reviewer Comment (2026-07-06): XXXX received Changed Circumstance dated XXXX, but it does not give sufficient information on why the rush was requested. Please provide additional information why the rush was requested or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Seller Comment (2026-07-01): Comment from XXXX (XXXX): See attached COC - this was including the appr rush fee Reviewer Comment (2026-06-26): XXXX received Changed Circumstance dated XXXX, but it does not give sufficient information on why the appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Seller Comment (2026-06-25): Comment from XXXX (XXXX): COC dated XXXX w appr fee increase |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134486 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-10): Client elects to waive with
compensating factors |
07/10/2026 | No | 2 | B | B | B | B | B | CA | Second Home | Refinance - Cash-out - Other | D | B | A | A | C | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000133170 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The signature block on the Note is missing the individual's member title. | Reviewer Comment (2026-07-13): Corrected Note provided.
Cleared. Seller Comment (2026-07-13): Comment from XXXX (XXXX): New Note, Allonge & Tracking Reviewer Comment (2026-06-30): The note must also list the guarantors title with the company. An exception from the buyer of the loan is needed without the update. Buyer Comment (2026-06-29): Comment from XXXX (XXXX): Per instructions for a LLC, only the DOT was supposed to have the word member behind the name. Please clear this finding |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133270 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-06-26): Received Fraud Report.
Exception cleared. Seller Comment (2026-06-26): Comment from Post Closing (XXXX): Fraud Report |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133270 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided | OFAC is missing. | Reviewer Comment (2026-06-26): Received Fraud Report.
Exception cleared. Seller Comment (2026-06-26): Comment from Post Closing (XXXX): OFAC with Fraud |
06/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133270 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (final title policy was not found in file). | Reviewer Comment (2026-06-25): Accepted as is. |
06/25/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000126779 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Reviewer Comment (2026-06-29): Received Employer
Identification Number (EIN). Exception cleared. Seller Comment (2026-06-29): Comment from XXXX (XXXX): XXXX: please see the attached documentation to support the Entity ID. EIN number is listed at the bottom of the page. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135455 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-29): Clearing based on review
coming back within tolerances. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134239 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided | Final settlement statement/HUD was not provided for the sale of XXXX. | Reviewer Comment (2026-07-02): Received, Clearing. Seller Comment (2026-07-01): Comment from XXXX (XXXX): Hud from sale of home |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134246 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not found in file. | Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134253 | XXXXX | XXXXX | 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 XXXX, prior to three (3) business days from transaction date of XXXX. | Subject loan transaction disbursed on XXXX, prior to 3 business days from transaction date of XXXX. | Reviewer Comment (2026-07-01): PCCD provided with corrected
disbursement date. Cleared. Seller Comment (2026-07-01): Comment from XXXX (XXXX): please see certified Reviewer Comment (2026-06-30): Received PCCD dated XXXX with disbursement date of XXXX. Please provide final stamped/signed settlement statement confirming the disbursement date is XXXX Seller Comment (2026-06-30): Comment from XXXX (XXXX): CD uploaded |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134253 | XXXXX | XXXXX | 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). | Actual date(s) on Notice of Right to Cancel occur prior to expected date(s). | Reviewer Comment (2026-07-01): PCCD provided with corrected
disbursement date. Cleared. Seller Comment (2026-07-01): Comment from XXXX (XXXX): NTC uploaded |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134253 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on XXXX did not disclose the reason for no escrow account. | Reviewer Comment (2026-07-06): XXXX received corrected PCCD
and LOE Seller Comment (2026-07-02): Comment from XXXX (XXXX): LOX from borrower uploaded Reviewer Comment (2026-07-01): Corrected PCCD provided. Please provided LOX to borrower to clear. Seller Comment (2026-06-30): Comment from XXXX (XXXX): updated CD |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134245 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134245 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134800 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | A valid UCDP Score was not provided. Secondary Valuation required. | Reviewer Comment (2026-06-29): Received Secondary
valuation. Exception cleared. Seller Comment (2026-06-29): Comment from XXXX (XXXX): Please see attached CDA report. |
06/29/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | D | A | A | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000134493 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131207 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134240 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower but was not provided. | Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132811 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132044 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132044 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Reviewer Comment (2026-06-29): Received POCB Appraisal
Invoice of $XXXX. Assets Available for Closing is sufficient to cover Cash
From Borrower. Exception cleared. Seller Comment (2026-06-26): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000131922 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-06-26): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000132959 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Preliminary in file. | Reviewer Comment (2026-06-29): Accepted as is. |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Refinance - Cash-out - Other | C | B | B | B | C | A | N/A | No | |||||||||||||
| XXXXX | 4000132959 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Reviewer Comment (2026-06-29): Valuation completed as-is,
cleared Seller Comment (2026-06-29): Comment from XXXX (XXXX): The attached revised report was uploaded XXXX and shows As Is with below photo of pool filled on page 32 |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Refinance - Cash-out - Other | C | B | B | B | C | A | N/A | No | ||||||||||||||
| XXXXX | 4000134193 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX% exceeds Guideline loan to value percentage of XXXX%. | Reviewer Comment (2026-07-02): "DSCR 4"
Guidelines allow XXXX% LTV Reviewer Comment (2026-07-02): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated loan to value percentage of XXXX% exceeds Guideline loan to value percentage of XXXX%. Reviewer Comment (2026-07-01): As per XXXX DSCR Guidelines XXXX, a maximum XXXX% LTV/CLTV is permitted for purchase transactions. However, for rate/term refinance transactions, the borrower is eligible for a maximum XXXX% LTV with a FICO score of XXXX when the DSCR is ≥ XXXX. Exception remains. Seller Comment (2026-07-01): Comment from XXXX (XXXX): Program XXXX does allow XXXX% ltv. Please see XXXX DSCR 4 matrix to confirm. Please also see 1008 confirming program is XXXX |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134193 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX% exceeds Guideline combined loan to value percentage of XXXX%. | Reviewer Comment (2026-07-02): "DSCR 4"
Guidelines allow XXXX% LTV Reviewer Comment (2026-07-02): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated combined loan to value percentage of XXXX% exceeds Guideline combined loan to value percentage of XXXX%. Reviewer Comment (2026-07-01): As per XXXX DSCR Guidelines XXXX, a maximum XXXX% LTV/CLTV is permitted for purchase transactions. However, for rate/term refinance transactions, the borrower is eligible for a maximum XXXX% CLTV with a FICO score of XXXX when the DSCR is ≥ XXXX. Exception remains. Seller Comment (2026-07-01): Comment from XXXX (XXXX): Program XXXX does allow XXXX% cltv. Please see XXXX DSCR 4 matrix to confirm. Please also see 1008 confirming program is XXXX |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134797 | XXXXX | XXXXX | 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. (Type:Primary/XXXX) | Reviewer Comment (2026-06-29): Accepted as is. |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000134646 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-30): Clearing based on review
coming back within tolerances. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134646 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136397 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-30): Clearing based on review
coming back within tolerances. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134565 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Missing Account Statement for XXXX checking #XXXX as listed on 1003. Required to meet reserves requirement. | Reviewer Comment (2026-07-01): Received Bank statements.
Exception cleared. Seller Comment (2026-07-01): Comment from XXXX (XXXX): XXXX bank statement |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134633 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-29): Clearing based on review
coming back within tolerances. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134737 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-06-29): Clearing based on review
coming back within tolerances. |
06/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135203 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133623 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-06-26): Accepted as is. |
06/26/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000134344 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-06-29): Accepted as is. |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134344 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-06-29): Accepted as is. |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134612 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/CD is not provided. | Reviewer Comment (2026-07-01): Closing Statement provided.
Cleared. Seller Comment (2026-07-01): Comment from XXXX (XXXX): Please see attached for Final SS |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134612 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from insurer. Calculations are based on 80% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2026-07-01): Hazard coverage equals the
loan amount which is sufficient Reviewer Comment (2026-07-01): Reviewed policy provided, coverage is short, exception remains. Seller Comment (2026-07-01): Comment from XXXX (XXXX): attached showing on page 4 hazard insurance coverage is $XXXX |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133417 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | Maryland HB1399 - No evidence of required counseling disclosure language per Maryland HB 1399. | No evidence of required counseling disclosure language per Maryland HB 1399. | Reviewer Comment (2026-06-30): Accepted as is. |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133417 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | Net Tangible Benefit Worksheet was not provided to borrower. | Reviewer Comment (2026-06-30): Accepted as is. |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133417 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | RTC Executed | TILA - Right To Cancel: Loan file contains evidence consumer rescinded loan. | Loan file contains evidence the consumer rescinded the loan. | Reviewer Comment (2026-07-07): Received, Clearing. Seller Comment (2026-07-07): Comment from XXXX (XXXX): RTC form uploaded Reviewer Comment (2026-07-01): RTC provided states borrower rescinded loan on XXXX. Exception remains. Seller Comment (2026-07-01): Comment from XXXX (XXXX): RTC uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136001 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-01): Cleared based on review
coming back within tolerances |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134042 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-01): Cleared based on review
coming back within tolerances |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134674 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-01): Cleared based on review
coming back within tolerances |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000133012 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Reviewer Comment (2026-07-06): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-07-06): Comment from XXXX (XXXX): HOI eff dated XXXX |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000133012 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The verification of employment is required and was not found in file. | Reviewer Comment (2026-07-01): Received VVOE. Exception
cleared. Seller Comment (2026-07-01): Comment from XXXX (XXXX): VVOE for XXXX |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000133012 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of employment is not within 10 business days of the Note. | Reviewer Comment (2026-07-01): Received VVOE dated within
10 business days of the Note date. Exception cleared. Seller Comment (2026-07-01): Comment from XXXX (XXXX): VVOE for XXXX |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000133012 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease agreement was not found in file. | Reviewer Comment (2026-07-06): Received Lease agreement.
Exception cleared. Seller Comment (2026-07-06): Comment from XXXX (XXXX): XXXX - lease agreement |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000133012 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Lease agreement was not found in file. | Reviewer Comment (2026-07-06): Received Lease agreement.
Exception cleared. Seller Comment (2026-07-06): Comment from XXXX (XXXX): XXXX - lease agreement |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | C | A | C | A | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000135152 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of ___ does not match Calculated P&I of ___ | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-02): Client elects to waive with
compensating factors Reviewer Comment (2026-07-01): Exception requested should be escalated to the seller's portal Seller Comment (2026-06-30): Comment from XXXX (XXXX): Please see rebuttal. |
07/02/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000135152 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-01): Cleared based on review
coming back within tolerances |
07/01/2026 | No | 1 | A | A | A | A | A | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000131877 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Fraud report identified 29 tax liens against the borrower. Please provide documentation that lender has reviewed and excluded any requirement for proof they have been paid. | Reviewer Comment (2026-06-30): The title company provided
written confirmation that the title company is aware of the outstanding tax
lien and there is no impact on the first lien position Buyer Comment (2026-06-30): Comment from XXXX (XXXX): XXXX DSCR Guidelines state that any outstanding liens affecting title on the property should be cleared. Any items showing in the background report do not affect title, as per the title office's confirmation. Furthermore, title ran individual searches against the borrowers and confirmed that "nothing came up" for either of them. Guidelines are being followed since there are no open liens/judgments that could affect title. Reviewer Comment (2026-06-30): Per guidelines: All open judgments, garnishments, and all outstanding liens affecting title on property or borrower searches must be paid off prior to or at loan closing. Since the guidelines also state the borrower an exception is needed. Seller Comment (2026-06-29): Comment from XXXX (XXXX): Please see uploaded correspondence with title. A lien search was pulled for each borrower and there were no lien/judgments against the subject. |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133893 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-13): Received CDA. Exception
cleared. Seller Comment (2026-07-13): Comment from XXXX (XXXX): Please see attached CDA |
07/13/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MA | Investment | Purchase | D | A | C | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000133893 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-01): Cleared based on review
coming back within tolerances |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | D | A | C | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000136745 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-01): Cleared based on review
coming back within tolerances |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 2000000896 | XXXXX | XXXXX | 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 (2026-06-29): Accepted as is. |
06/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 2000000896 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification is missing. | Reviewer Comment (2026-07-28): HOI doc provided. Cleared Reviewer Comment (2026-07-02): The received Mortgage Statement reflects an escrow payment; however, it does not confirm that the escrow funds are designated for Hazard Insurance. Additionally, the Closing Disclosure (D0340) available in the file indicates that taxes and insurance are not escrowed. Please provide the Hazard Insurance policy. Exception remains. Buyer Comment (2026-07-01): Mtg stmt impounded |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 2000000896 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | There is a lien position discrepancy in Note, Security Instrument, and Final 1003. Note and Security Instrument bottom page reflects a second lien. | Reviewer Comment (2026-07-24): Received, Clearing. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000130682 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-06-30): Accepted as is. |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130682 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-06-30): Accepted as is. |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000130682 | XXXXX | XXXXX | 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 XXXX, prior to three (3) business days from transaction date of XXXX. | Final Closing Disclosure reflects disbursement date is XXXX. | Reviewer Comment (2026-07-01): PCCD provided. Cleared. Seller Comment (2026-07-01): Comment from XXXX (XXXX): Please see attached PCCD items reflecting correct closing, disbursement dates, etc. to clear condition. |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000131673 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception approved to utilize pension income in
addition to asset depletion. Compensating Factors include LTV below MAX, FICO above minimum, DTI below max, additional REO that generates rent that is not being used to qualify. |
Borrower has verified disposable income of at least
$2500.00. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-06-30): Lender exception approved |
06/30/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | ID | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000135710 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent Loss Insurance for the subject property is required and must equal at least 6 months PITIA for the subject property. | Reviewer Comment (2026-07-14): Received, Clearing. Seller Comment (2026-07-14): Comment from XXXX (XXXX): endorsement |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135710 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-06): Clearing based on review
coming back within tolerances. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000136550 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage of $XXXX Dwelling + replacement cost coverage is sufficient to cover the mortgage amount of $XXXX, however, is insufficient to cover the 80% estimated cost new of $XXXX. Please provide a letter from the Insurer stating the maximum insurable amount and/or a replacement cost estimator from the insurer. Coverage shortfall is $XXXX. | Reviewer Comment (2026-07-10): Received updated hazard
insurance policy with sufficient coverage amount. Exception cleared. Seller Comment (2026-07-10): Comment from XXXX (XXXX): attached |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136566 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent Loss Insurance is required and must equal 6 months of rental income. | Reviewer Comment (2026-07-29): Rent Loss provided.
Cleared. Seller Comment (2026-07-29): Comment from XXXX (XXXX): attached |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133429 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-06-30): Accepted as is. |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133429 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided) | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower. | Reviewer Comment (2026-06-30): Accepted as is. |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133429 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX did not disclose the APR. | Loan Calculations: Final Closing Disclosure provided on XXXX did not disclose the APR. (Final/XXXX) | Reviewer Comment (2026-07-07): Lender disclosed accurately
on Final CD at Close. Final CD at
Close was not provided in loan file during initial review. Seller Comment (2026-07-06): Comment from XXXX (XXXX): Final CD uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133429 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX did not disclose the Finance Charge. | Loan Calculations: Final Closing Disclosure provided on XXXX did not disclose the Finance Charge. (Final/XXXX) | Reviewer Comment (2026-07-07): XXXX received final CD. Seller Comment (2026-07-06): Comment from XXXX (XXXX): Final CD uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133429 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan contains Negative Amortization. | Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan contains Negative Amortization. (Final/XXXX) | Reviewer Comment (2026-07-07): XXXX received final CD. Seller Comment (2026-07-06): Comment from XXXX (XXXX): Final CD uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133429 | XXXXX | XXXXX | 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 XXXX are underdisclosed. | Loan Disclosures: Non Escrowed Property Costs over Year 1 on Final Closing Disclosure provided on XXXX are underdisclosed. (Final/XXXX) | Reviewer Comment (2026-07-07): Lender disclosed accurately
on Final CD at Close. Final CD at
Close was not provided in loan file during initial review. Seller Comment (2026-07-06): Comment from XXXX (XXXX): Final CD uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133429 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan allows for Partial Payments. | Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan allows for Partial Payments. (Final/XXXX) | Reviewer Comment (2026-07-07): XXXX received final CD. Seller Comment (2026-07-06): Comment from XXXX (XXXX): final CD uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133429 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX did not disclose the Total of Payments. | Loan Calculations: Final Closing Disclosure provided on XXXX did not disclose the Total of Payments. (Final/XXXX) | Reviewer Comment (2026-07-07): XXXX received final CD. Seller Comment (2026-07-06): Comment from XXXX (XXXX): Final CD uploaded |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission i(required on rescindable transactions) | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133429 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | XXXX received rebuttal comment. However, please see doc ID D0100 CD dated XXXX that was submitted in file, which incomplete information and XXXX% APR on page 5 and signed by borrower on XXXX. Any CD signed by borrowers must be included in testing, as they were disclosed to borrower and cannot be omitted from testing. Provide a lender attestation to give the specific disclosure (CD doc ID# is acceptable to specify) and explain why it was included in package for review and attest they were never issued or disclosed to borrower. | Reviewer Comment (2026-07-23): XXXX received LOE. Seller Comment (2026-07-23): Comment from XXXX (XXXX): LOE uploaded Reviewer Comment (2026-07-22): The XXXX CD was signed by the borrower. Please provide an attestation from the lender confirming the incomplete CD was generated and inadvertently included by the settlement agent solely for the purpose of disclosing fees, notwithstanding the fact that the lender did not authorize or assign the settlement agent responsibility for issuing a CD, and the lender-issued CD at consummation e-signed by the consumer is the final CD that contains all disclosures required under 1026.19(f). Seller Comment (2026-07-21): Comment from XXXX (XXXX): LOX uploaded |
07/23/2026 | No | 1 | A | A | A | A | A | MD | Primary | Refinance - Rate/Term | No Defined Cure | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| XXXXX | 4000135211 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-06-30): Accepted as is. |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135413 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-06): Clearing based on review
coming back within tolerances. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134857 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-06-30): Accepted as is. |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | HI | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132992 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Reviewer Comment (2026-07-02): Received Tax Certificate.
Exception cleared. Seller Comment (2026-07-02): Comment from XXXX (XXXX): XXXX: Please see attached. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134935 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-06): Clearing based on review
coming back within tolerances. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000133469 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-06): Clearing based on review
coming back within tolerances. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000133469 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | As per Final 1003 application, Citizenship is U.S. Citizen; however, we have a Permanent Resident Card, require clarification or an updated 1003 with correct Citizenship. | Reviewer Comment (2026-07-22): Received signed final
1003 Seller Comment (2026-07-22): Comment from XXXX (XXXX): XXXX: Please see attached. Reviewer Comment (2026-07-07): The corrected 1003 needs to be signed by the borrowers. Seller Comment (2026-07-07): Comment from XXXX (XXXX): XXXX: Please see attached. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133469 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX% Compliant Higher Priced Loan. | Reviewer Comment (2026-06-30): Accepted as is. |
06/30/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Purchase | No obvious cure | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134653 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The file is missing E-sign Consent Agreement. | Reviewer Comment (2026-07-02): Received, Clearing. Seller Comment (2026-07-02): Comment from Post Closing (XXXX): Econsent Form |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134731 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-20): XXXX Received Email
Communication showing Survey order by title. Seller Comment (2026-07-17): Comment from XXXX (XXXX): SEE ATTACHED EMAIL FROM ATTORNEY & BRANCH Reviewer Comment (2026-07-13): XXXX received email log for survey fee but email does not specify if the Survey was lender required or title required or it is borrower selected fee and provider is borrower chosen. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Seller Comment (2026-07-09): Comment from XXXX (XXXX): please see attached email information regarding survey fee |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134731 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The date the valuation provided to the applicant is prior to the date the valuation was performed. | Reviewer Comment (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134881 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Date Issued is missing on the Closing Disclosure. | Reviewer Comment (2026-07-07): XXXX received LOE. Seller Comment (2026-07-06): Comment from XXXX (XXXX): Please see attached lender attestation. Reviewer Comment (2026-07-02): XXXX received XXXX CD. However, the CD in question is missing a Date Issued on Doc ID 0358 which reflects $XXXX on the cash to close on page 1. Please provide a lender's attestation giving confirming status of this CD and if lender issued to borrower. Seller Comment (2026-07-01): Comment from XXXX (XXXX): Please see attached initial CD with Issued date XXXX and signed date. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | Good Faith Redisclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134974 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-01): Cleared based on review
coming back within tolerances |
07/01/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134974 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | There is no date on the notary page of the Security Agreement | Reviewer Comment (2026-06-30): Received corrected security
agreement Seller Comment (2026-06-30): Comment from XXXX (XXXX): DOT SHOWING DATE UPLOADED |
06/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135850 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-06): Clearing based on review
coming back within tolerances. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135646 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Reviewer Comment (2026-07-02): Received, Clearing. Seller Comment (2026-07-02): Comment from XXXX (XXXX): XXXX: The appraisal was made subject to a professionally inspection of the foundation as opposed to being subject to repairs, and the attached property inspection report confirms no repairs being required. A 1004D is not required per FNMA B4-1.3-06, Property Condition and Quality of Construction of the Improvements (XXXX) |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MO | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | N/A | No | ||||||||||||||
| XXXXX | 4000134684 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Document is Missing. | Reviewer Comment (2026-07-07): HOA Document already
available in file. Exception cleared. Buyer Comment (2026-07-06): Comment from XXXX (XXXX): condition needs to be waived---the HOA documents are starting on page -387 of your loan package for this property |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134684 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | D0596 Appraisal downloaded on XXXX. | Reviewer Comment (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Second Home | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135059 | XXXXX | XXXXX | 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. | Receipt of Appraisal is not found in the file. | Reviewer Comment (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135059 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134020 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133993 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Reviewer Comment (2026-07-02): Cleared updated policy
received. Seller Comment (2026-07-02): Comment from XXXX (XXXX): updated EOI |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000134623 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate is missing in the file. | Reviewer Comment (2026-07-07): Occupancy Cert in file |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132810 | XXXXX | XXXXX | 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 (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135971 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Reviewer Comment (2026-07-06): Received Articles of
Organization/Formation. Exception cleared. Seller Comment (2026-07-06): Comment from XXXX (XXXX): business docs attached. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132794 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132794 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136424 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-07-02): Received, Clearing. Seller Comment (2026-07-01): Comment from XXXX (XXXX): Certificate of Good Standing is not applicable for the borrowing entity. The LLC was newly formed on XXXX. See attached articles. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132734 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133140 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133140 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136594 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-06): Received, Clearing. Seller Comment (2026-07-06): Comment from XXXX (XXXX): Please see attached CDA. |
07/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000136594 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Reviewer Comment (2026-07-02): Received 1004D/442.
Exception cleared. Seller Comment (2026-07-02): Comment from XXXX (XXXX): Please see attached 1004D. |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | A | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000136594 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-02): Cleared based on review
coming back within tolerances |
07/02/2026 | No | 1 | A | A | A | A | A | FL | Investment | Purchase | D | A | A | A | D | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000134483 | XXXXX | XXXXX | 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 (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134702 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-02): Cleared based on review
coming back within tolerances |
07/02/2026 | No | 1 | A | A | A | A | A | NV | Investment | Purchase | A | A | A | A | A | A | N/A | No | ||||||||||||||||||||
| XXXXX | 4000134929 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report for borrower. | Reviewer Comment (2026-07-06): Received Credit Report.
Exception cleared. Seller Comment (2026-07-02): Comment from XXXX (XXXX): Kindly see attached credit report |
07/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134929 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-07-06): Received Property history
report confirms the property taxes for XXXX.
Exception cleared. Seller Comment (2026-07-02): Comment from XXXX (XXXX): Kindly see attached document |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134929 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-07-06): Received Credit Report.
Exception cleared. |
07/06/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134929 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. Missing credit report for occupying borrower. | Reviewer Comment (2026-07-06): Received Credit Report.
Exception cleared. Seller Comment (2026-07-02): Comment from XXXX (XXXX): Kindly see attached document |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000132222 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-01): Client elects to waive |
07/01/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135051 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Legal Description not provided | Reviewer Comment (2026-07-06): Received Legal Description.
Exception cleared. Seller Comment (2026-07-06): Comment from XXXX (XXXX): Deed of Trust with Legal |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134980 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX. | Reviewer Comment (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000137003 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA 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. (Type:Primary/XXXX) | Reviewer Comment (2026-07-02): Excepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000137003 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Initial 1003 was not found in file. | Reviewer Comment (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | N/A | No | |||||||||||
| XXXXX | 4000137003 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution not provided. | Reviewer Comment (2026-07-05): Received Operating
Agreement. Exception cleared. Seller Comment (2026-07-03): Comment from Post Closing (XXXX): See attached |
07/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | N/A | No | |||||||||||
| XXXXX | 4000137003 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | 1008/Approval missing from the file | Reviewer Comment (2026-07-05): Received 1008. Exception
cleared. Seller Comment (2026-07-03): Comment from Post Closing (XXXX): See attached |
07/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | N/A | No | |||||||||||
| XXXXX | 4000137003 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Missing final closing statement/HUD to document proceeds from real estate sold | Reviewer Comment (2026-07-10): Received, Clearing. Seller Comment (2026-07-10): Comment from Post Closing (XXXX): See attached Reviewer Comment (2026-07-09): The provided is for the subject property not the sold property. Seller Comment (2026-07-08): Comment from Post Closing (XXXX): See attached Reviewer Comment (2026-07-05): Received bank statement reflects funds that have already been included in the verified assets. Please provide the final Closing Disclosure/HUD-1 Settlement Statement or other closing documents evidencing the sale/refinance of the real estate and confirming the net proceeds of $XXXX. Exception remains. Seller Comment (2026-07-03): Comment from Post Closing (XXXX): See attached |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | N/A | No | |||||||||||
| XXXXX | 4000137003 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | XXXX (properties with a XXXX) may be considered on a case-by-case basis and will require an investor exception approval. | Borrower has verified disposable income of at least
$2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by 20% or more. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-10): Client exception
received. Seller Comment (2026-07-10): Comment from Post Closing (XXXX): See attached Reviewer Comment (2026-07-06): Exception request must go to the buyers portal. Seller Comment (2026-07-03): Comment from Post Closing (XXXX): See attached |
07/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | TN | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | N/A | No | |||||||||
| XXXXX | 4000134978 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Notice of Action extended the expiration of the Permanent Resident Card by 48 months. The Permanent Resident Card expired XXXX. Need updated identification/documentation for the Permanent Resident borrower. | Reviewer Comment (2026-07-07): Received, Clearing. Seller Comment (2026-07-06): Comment from XXXX (XXXX): XXXX: The Permanent Resident Card did expire on XXXX however, there is document in the file with the I-551 Stamp that shows employment is authorized through XXXX. An I-551 stamp, also known as an ADIT stamp, is a temporary stamp placed in a passport or on Form I-94 to prove lawful permanent resident status. It serves as temporary proof of permanent residence while awaiting the arrival of the Green Card. Regardless of expiration date, this stamp can be used in place of a green card as long as the stamp can be tied to the borrower. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135497 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated months reserves of XXXX is less than guidelines PITIA months of reserves of 6 months. POCB of $XXXX. Reserves hold $$XXXX, EMD $XXXX, Checking $XXXX (includes gift funds of $XXXX) | Reviewer Comment (2026-07-06): Received, Clearing. Buyer Comment (2026-07-02): Comment from XXXX (XXXX): Our approved guideline only requires 3 months of PITI reserves. The reserve requirement increases to 6 months of PITI only if the DSCR ratio is below XXXX. The DSCR Ratio for this loan is XXXX. Please confirm with the buyer. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133822 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-02): Cleared based on review
coming back within tolerances |
07/02/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000133202 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Reviewer Comment (2026-07-07): Received PCCD confirming
Disbursement Date XXXX & Hazard Effective date XXXX. Exception
cleared. Seller Comment (2026-07-06): Comment from XXXX (XXXX): Hello, please kindly see the attached PCCD showing the updated disbursement date that was included in the loan file, thank you. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133202 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133202 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000868 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Reviewer Comment (2026-07-08): Received Guarantor
Agreement. Exception cleated. Reviewer Comment (2026-07-07): Received Incomplete Guarantor Agreement. Exception remains. |
07/08/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OK | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000136056 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard coverage is $XXXX. The Loan amount is $XXXX. Replacement Cost Estimator is missing. | Reviewer Comment (2026-07-07): Received, Clearing. Seller Comment (2026-07-06): Comment from XXXX (XXXX): XXXX: Please see attached lender letter from Fannie Mae that states that they are retiring the requirement for documenting the replacement cost value. The attached policy does state that the dwelling replacement cost is included into the policy which would confirm the RCE is based off the dwelling coverage. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136022 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135708 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-07-14): PCCD provided. Cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Kindly see attached documents Reviewer Comment (2026-07-08): Gift funds are excluded from Reserve requirements per guides. Exception remains. Seller Comment (2026-07-08): Comment from XXXX (XXXX): Kindly see attached LOE Reviewer Comment (2026-07-06): Verified funds to close are $XXXX. (XXXX Savings XXXX $XXXX, checking XXXX $XXXX, business account XXXX $XXXX, EMD $XXXX, Gift $XXXX, POC $XXXX) Required to close $XXXX + EMD $XXXX = $XXXX. Remaining for reserves $XXXX. Required $XXXX ($XXXX for subject + 2 months for REO $XXXX) Seller Comment (2026-07-06): Comment from XXXX (XXXX): Kindly see attached LOE from XXXX. Thank you. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000135708 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Waterfall due to Insufficient Reserves. | Reviewer Comment (2026-07-14): PCCD provided. Cleared. |
07/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000135708 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to Insufficient Reserves. | Reviewer Comment (2026-07-14): PCCD provided. Cleared. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135708 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134500 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134500 | XXXXX | XXXXX | 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. | Receipt of appraisal was not found in the file. | Reviewer Comment (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134500 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan allows for Partial Payments. | Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan allows for partial payments. (Final/XXXX) | Reviewer Comment (2026-07-06): XXXX received final CD. Seller Comment (2026-07-02): Comment from XXXX (XXXX): Please see revised Final Closing Disclosure |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134795 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135061 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA and does not reflect a coverage amount. | Reviewer Comment (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135061 | XXXXX | XXXXX | 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 (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134953 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not found in file. | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134953 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not found in file. | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134953 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XXXX are overdisclosed. | Reviewer Comment (2026-07-09): XXXX received Letter of
Explanation & Corrected Closing Disclosure Seller Comment (2026-07-08): Comment from XXXX (XXXX): Please see attached the post CD. Reviewer Comment (2026-07-08): XXXX received correct CD dated XXXX same as final CD issued. If this was intended to be a Post Close CD/Corrected CD after Final CD, then the issue date cannot be the same date as the Final CD date and back dated, as it would not be considered a post close correction. A Corrected CD would need issued after the XXXX final CD with LOE in order to test as a correction. Seller Comment (2026-07-06): Comment from XXXX (XXXX): Please find attached the correct Closing Disclosure which we had originally provided to the borrower. I am unsure why the version containing the typographical error was included in the closing package. Kindly utilize this newly sent FCD moving forward. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000135568 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-06): Clearing based on review
coming back within tolerances. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000136289 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000136289 | XXXXX | XXXXX | 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 3 business days prior to consummation. | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000133528 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not Signed) | South Carolina Home Loan: Borrower(s) did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Reviewer Comment (2026-07-06): Disclosure received Seller Comment (2026-07-06): Comment from XXXX (XXXX): Please see attached |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Primary | Purchase | "Within forty-five days of the loan closing and before
the institution of an action pursuant to this article, the lender notifies
the borrower of the compliance failure, makes appropriate restitution, and
makes necessary adjustments to the loan to make the consumer home loan
satisfy the requirements of Section 37-23-70, 37-23-75, or 37-23-80 Provide copy of LOE to borrower notifying consumer of error, provide copy of disclosure signed by all consumers, and proof of mailing within 45 days of consummation." |
C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134679 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-06): Clearing based on review
coming back within tolerances. |
07/06/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135781 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-02): Accepted as is. |
07/02/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134029 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134029 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary Title Policy amount is blank. | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137355 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-06): Received, Clearing. Seller Comment (2026-07-06): Comment from XXXX (XXXX): Please see attached CDA Report |
07/06/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Purchase | D | A | A | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000135383 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135383 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $XXXX exceeds tolerance of $XXXX plus XXXX % or $XXXX. $XXXX over legal limit. A cure of $XXXX was provided. | Reviewer Comment (2026-07-17): XXXX received Letter of
Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-07-16): Comment from XXXX (XXXX): LOX PCCD CURE CHECK XXXXX LABEL Reviewer Comment (2026-07-09): XXXX received COC dated XXXX with reason fees updated as per title prelim but the reason provided is not a valid reason for increase in recording fee. An increase in the invoice amount is not an actual changed circumstance and cannot be tested as such. An increase requires a change in circumstance that the lender did not or could not have known at the time of disclosure. TRID Grid 4.0, Appendix, Additional Considerations, Row 14 indicates:To illustrate, see examples of sufficient vs. insufficient COC reasons. Cure is required. Seller Comment (2026-07-08): Comment from XXXX (XXXX): no cure required. COC was done to reflect this within the timeline allowed from receiving the title companies prelim CD |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000135383 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. A cure of $XXXX was provided. | Reviewer Comment (2026-07-06): Cured at closing or within
60 days of consummation prior to TPR review |
XXXXX | No | 1 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134328 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134328 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX 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 $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX 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 XXXX). | The disclosed Finance Charge in the amount of $XXXX is under-disclosed by $XXXX. | Reviewer Comment (2026-07-22): XXXX received Letter of
Explanation, Proof of Delivery, Refund check & Corrected CD Seller Comment (2026-07-21): Comment from XXXX (XXXX): Please find the PCCD. Reviewer Comment (2026-07-21): XXXX received copy of cure refund, proof of mailing and LOE to borrower. The LOE provided was detailed and specifying what the violation was related to the cure and without a detailed LOE, a Corrected CD would need to be provided also. Please provide a Corrected CD with the cure, or can provide a more specific and detailed LOE to borrower explaining what the violation is and what cured. Seller Comment (2026-07-20): Comment from XXXX (XXXX): Please find attached the cure documents for your review. |
XXXXX | 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 | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134328 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135262 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135260 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135260 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was not delivered to the borrower. | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133132 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000133132 | XXXXX | XXXXX | 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 XXXX. 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 XXXX. | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Exempt from ATR | No | |||||||||||
| XXXXX | 4000135858 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-07): Clearing based on review
coming back within tolerances. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135411 | XXXXX | XXXXX | 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 (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135411 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | File is missing Seller Closing Disclosure. | Reviewer Comment (2026-07-08): XXXX received a seller CD
with seller paid closing costs. Seller Comment (2026-07-07): Comment from XXXX (XXXX): seller's CD |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000135411 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure does not list reason for not having Escrow account. Reason Box left unchecked. | Reviewer Comment (2026-07-10): XXXX Received Letter of
Explanation & Corrected Closing Disclosure. Seller Comment (2026-07-09): Comment from XXXX (XXXX): Please see attached Post CD, LOE, Fex Ex Label Reviewer Comment (2026-07-08): XXXX received the updated final CD. However, the XXXX Final CD and XXXX Post-Closing CD provided in the loan file do not include (You declined it or your lender does not offer one) and complete for the "will not have an escrow account" section on Page 4. Provided XXXX CD in the trailing image was intended to be a Post Close CD/Corrected CD after Final CD, then the issue date cannot be the same date as the Final CD date. as it would not be considered a post close correction, A Corrected CD would need to issue after the XXXX final CD along with required LOX in order to test as a correction. Seller Comment (2026-07-07): Comment from XXXX (XXXX): final CD |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000135411 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | P&L provided is dated XXXX to XXXX. | Reviewer Comment (2026-07-07): Cleared P&L received Seller Comment (2026-07-07): Comment from XXXX (XXXX): updated P&L |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135411 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | P&L dated XXXX - XXXX. | Reviewer Comment (2026-07-20): P&L has been received |
07/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000135411 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | P&L dated XXXX - XXXX. | Reviewer Comment (2026-07-20): P&L has been received |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134384 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance is required and must equal 6 months of rental income. | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-17): Comment from XXXX (XXXX): Rent Loss Insurance. Loss of Rental Income would be under Coverage D - Loss of Use |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133645 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement and/or Corporate Resolution Document is Missing. | Reviewer Comment (2026-07-07): Received, cleared Seller Comment (2026-07-07): Comment from XXXX (XXXX): XXXX: Please see attached. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134023 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134248 | XXXXX | XXXXX | 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 (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134248 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher-Priced Mortgage Loan. | Reviewer Comment (2026-07-08): Received, Clearing. Seller Comment (2026-07-07): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134248 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor requirements not satisfied. | Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134248 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-08): Received, Clearing. Seller Comment (2026-07-07): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135782 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-06): Accepted as is. |
07/06/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134634 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy coverage is $XXXX. The Loan amount is $XXXX. | Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000135538 | XXXXX | XXXXX | 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 (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000133824 | XXXXX | XXXXX | 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. | Receipt of Appraisal was not found in file. | Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133824 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135598 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OR | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136211 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-07): Clearing based on review
coming back within tolerances. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000136204 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136204 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Agricultural Zoning not permitted per guidelines. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-10): Client exception
received. Seller Comment (2026-07-10): Comment from XXXX (XXXX): a |
07/10/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | WA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000136018 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136018 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000137108 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title is missing. | Reviewer Comment (2026-07-09): Final title policy
received Reviewer Comment (2026-07-07): No document came through. Buyer Comment (2026-07-07): Comment from XXXX (XXXX): FTP uploaded |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000137108 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Title is missing. | Reviewer Comment (2026-07-09): Final title received Reviewer Comment (2026-07-07): No document came through. Buyer Comment (2026-07-07): Comment from XXXX (XXXX): FTP uploaded |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000137108 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | Title is missing. | Reviewer Comment (2026-07-09): Final title received Reviewer Comment (2026-07-07): No document came through. Buyer Comment (2026-07-07): Comment from XXXX (XXXX): FTP uploaded |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134614 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file was missing a copy of a Mortgage Statement. | Reviewer Comment (2026-07-08): Received, cleared Seller Comment (2026-07-08): Comment from XXXX (XXXX): Please see upl docs |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000134614 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000134614 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Testing | No evidence of application date located in file. Compliance tests were run using an application date of XXXX which is 1 months prior to consummation. A lookback was performed to determine this application date using the following dates: XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Lookback testing performed up to one of the following: TRID start date, TIL/MDIA 2011 start date, RESPA 2010 start date, TIL/MDIA 2009 start date, LOS Application Date, Broker Application Date, or six months prior to consummation. | No evidence of application date located in file. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000134614 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide Rent ledger for XXXX, for short-term rental income as used to qualify. | Reviewer Comment (2026-07-08): Received, cleared Seller Comment (2026-07-08): Comment from XXXX (XXXX): please see the uploaded docs |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000134614 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||||||
| XXXXX | 4000134614 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing Test | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Interest Accrual Start Date of XXXX used as disbursement date for compliance testing. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||||||
| XXXXX | 4000134614 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | Missing Closing Disclosure: No Document Used For Fee Testing | Missing Final Closing Disclosure. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Reviewer Comment (2026-07-09): Final Hud1 received Seller Comment (2026-07-09): Comment from XXXX (XXXX): Please see the upl final ss |
07/09/2026 | No | 1 | A | A | A | A | A | FL | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||||||
| XXXXX | 4000134614 | XXXXX | XXXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Reviewer Comment (2026-07-09): Client elects to waive |
07/09/2026 | No | 2 | B | B | B | B | B | FL | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||||||||
| XXXXX | 4000136060 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135743 | XXXXX | XXXXX | 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 (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000135743 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance verification document missing | Reviewer Comment (2026-07-09): Received, Clearing. Seller Comment (2026-07-09): Comment from XXXX (XXXX): This is a self-storage commercial property, and we do not require commercial insurance. See attached property profile |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000135076 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133823 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133823 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134690 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134690 | XXXXX | XXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | Reviewer Comment (2026-07-09): Itemization of seller
credits in file Buyer Comment (2026-07-09): Comment from XXXX (XXXX): XXXX A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134690 | XXXXX | XXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | Reviewer Comment (2026-07-09): Itemization of seller
credits in file Buyer Comment (2026-07-09): Comment from XXXX (XXXX): XXXX A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134690 | XXXXX | XXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of XXXX% of the amount past due or grace period of less than 15 days. | Reviewer Comment (2026-07-09): Itemization of seller
credits in file Buyer Comment (2026-07-09): Comment from XXXX (XXXX): XXXX A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134690 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or XXXX%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-07-09): Itemization of seller
credits in file Buyer Comment (2026-07-09): Comment from XXXX (XXXX): XXXX A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000134690 | XXXXX | XXXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | Reviewer Comment (2026-07-09): Itemization of seller
credits in file Buyer Comment (2026-07-09): Comment from XXXX (XXXX): XXXX A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134690 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) California Covered Loan (Consumer Caution and Home Ownership Counseling Notice Not Provided) | California Covered Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice. | Reviewer Comment (2026-07-09): Itemization of seller
credits in file Buyer Comment (2026-07-09): Comment from XXXX (XXXX): XXXX A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134690 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) California Covered Loan (Financed Fees Exceeds Threshold) | California Covered Loan: Lender financed points and fees in excess of the greater of XXXX% or $XXXX. | Reviewer Comment (2026-07-09): Itemization of seller
credits in file Buyer Comment (2026-07-09): Comment from XXXX (XXXX): XXXX A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134690 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State Defect | (State High Cost) California Covered Loan (Points and Fees) | California Anti-Predatory Lending Statute: Points and Fees on subject loan of XXXX% is in excess of the allowable maximum of XXXX% of the Total Loan Amount. Points and Fees total $XXXX on a Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or XXXX%). Non-Compliant High Cost Loan. | Reviewer Comment (2026-07-09): Itemization of seller
credits in file Buyer Comment (2026-07-09): Comment from XXXX (XXXX): XXXX A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 45 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-cost threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000134690 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-08): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000135852 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-07): Clearing based on review
coming back within tolerances. |
07/07/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134510 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134510 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | Tax Returns, both 1120 and 1040, are for the year 2024. Tax Extension document is missing. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134510 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | Tax Returns, both 1120 and 1040, are for the year 2024. Tax Extension document is missing. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134510 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list coverage amount. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134510 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | Loan was submitted as a Rate/Term transaction. Cash-Out includes any applicable debts paid off outside the original non-purchase money transaction. | Reviewer Comment (2026-07-08): Loan qualifies for rate/term
refinance Reviewer Comment (2026-07-08): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: HUD-1 total cash-out of $XXXX is greater than Guideline total cash-out of $XXXX. Seller Comment (2026-07-08): Comment from XXXX (XXXX): Per guideline, seasoned non-purchase second can be paid off through rate/term refinance. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000132598 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | The Final HUD/Closing Disclosure for the subject was not provided. | Reviewer Comment (2026-07-08): Clearing. Buyer Comment (2026-07-08): Comment from XXXX (XXXX): STARTING ON PAGE 288 THRU 293 OF YOUR LOAN PACKAGE IS THE FINAL ALTA |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000137121 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-08): Clearing based on review
coming back within tolerances. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000137121 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-13): LOE of no claims or damage
received. Seller Comment (2026-07-10): Comment from XXXX (XXXX): see email from insurance agent verification no losses reported. |
07/13/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | MD | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000137106 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard Insurance Policy expires within 90 days of the Note Date. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Second Home | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136068 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-08): Clearing based on review
coming back within tolerances. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000134603 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-08): Clearing based on review
coming back within tolerances. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000133234 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-08): Clearing based on review
coming back within tolerances. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000133234 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing. | Reviewer Comment (2026-07-09): Per guidelines, single
member LLC may use the EIN or the guarantor social security number Seller Comment (2026-07-09): Comment from XXXX (XXXX): Uploading the SSA89 |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133234 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2026-07-09): Received Business Entity
Listing. Exception cleared. Seller Comment (2026-07-09): Comment from XXXX (XXXX): Uploading LLC SI from SOS |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133234 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing. | Reviewer Comment (2026-07-09): Received, Clearing. Seller Comment (2026-07-09): Comment from XXXX (XXXX): Uploading the LLC SI from SOS. The entity was a LLC so the operating agreement was in the initial package that was uploaded. |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136085 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-08): Clearing based on review
coming back within tolerances. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000136085 | XXXXX | XXXXX | 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 $XXXX may be required. | Loan Estimate is missing. | Reviewer Comment (2026-07-16): XXXX received initial LE. Seller Comment (2026-07-16): Comment from XXXX (XXXX): please see attached initial le |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000136085 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | LE was not provided | Reviewer Comment (2026-07-16): XXXX received initial LE. Seller Comment (2026-07-16): Comment from XXXX (XXXX): please see attached |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133624 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134026 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136215 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-07-07): Accepted as is. |
07/07/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000135784 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135784 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133660 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133851 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-07-09): Received, Clearing. Seller Comment (2026-07-09): Comment from XXXX (XXXX): Two months statements for XXXX Investment w/bal $XXXX |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000133851 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Missing source of gift funds totaling $XXXX. | Reviewer Comment (2026-07-08): Received Wire Confirmation -
Fed Ref Number. Exception cleared. Seller Comment (2026-07-08): Comment from XXXX (XXXX): Gift $XXXX - Gift Letter, Source XXXX, Wire receipt of funds from donor |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133851 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Missing source of gift funds totaling $XXXX. | Reviewer Comment (2026-07-10): Received updated gift letter
and wire confirmaiton Seller Comment (2026-07-10): Comment from XXXX (XXXX): Gift amount was lowered from $XXXX to $XXXX. Please find proof of receipt and new gift letter. Reviewer Comment (2026-07-08): Require Source of Funds/Deposit. Exception remains. Seller Comment (2026-07-08): Comment from XXXX (XXXX): Gift $XXXX: Gift letter, source is XXXX, copy of wire receipt from donor |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134247 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-08): Accepted as is. |
07/08/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134264 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000134774 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit report is missing. | Reviewer Comment (2026-07-12): Received Credit Report.
Exception cleared. Seller Comment (2026-07-10): Comment from XXXX (XXXX): credit report |
07/12/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134774 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Requesting an exception to qualify using asset depletion and borrower's pension. Exception approved; loan subject to final review with no additional exceptions. Compensating factors include strong FICO, +10% LTV, strong residual income. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-08): Client elects to
waive/regrade with compensating factors. |
07/08/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000134774 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Reviewer Comment (2026-07-12): Received Credit Report.
Exception cleared. |
07/12/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | D | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134774 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Credit report is missing. | Reviewer Comment (2026-07-12): Received Credit Report.
Exception cleared. Seller Comment (2026-07-10): Comment from XXXX (XXXX): credit report |
07/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | D | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136025 | XXXXX | XXXXX | 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 (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133388 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133585 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX 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 $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX 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 XXXX). | The disclosed Finance Charge in the amount of $XXXX is under-disclosed by $XXXX | Reviewer Comment (2026-07-13): XXXX received PCCD and
LOE. |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133585 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XXXX). The disclosed Total of Payments in the amount of $XXXX is under disclosed by $XXXX compared to the calculated total of payments of $XXXX which exceeds the $XXX threshold. | The disclosed Total of Payments in the amount of $XXXX is under-disclosed by $XXXX | Reviewer Comment (2026-07-13): XXXX received PCCD and
LOE. Seller Comment (2026-07-10): Comment from XXXX (XXXX): revised cd |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133585 | XXXXX | XXXXX | 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 XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Final Closing Disclosure provided on XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133810 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | - | Verification(s) of employment is not within 10 calendar days of the Note. | Reviewer Comment (2026-07-24): Received paystub dated
within 15 days of closing Seller Comment (2026-07-24): Comment from XXXX (XXXX): Attached |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133810 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Calculated available for reserves of $XXXX is less than guidelines' required reserves of $XXXX. | Reviewer Comment (2026-07-27): Borrower has sufficient
reserves verified with cash back Reviewer Comment (2026-07-27): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX. Reviewer Comment (2026-07-24): $XXXX in available assets with $XXXX needed for closing including any POC items. Buyer Comment (2026-07-23): Comment from XXXX (XXXX): Please provide XXXX calculations. Asset statements in file show an available liquid amount of $XXXX with the borrower receiving $XXXX at close. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133810 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | ATR due to short reserves. | Reviewer Comment (2026-07-27): Borrower has sufficient
reserves verified with cash back |
07/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | OH | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133810 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan is short reserves. | Reviewer Comment (2026-07-27): Borrower has sufficient
reserves verified with cash back |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Second Home | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134289 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134289 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134334 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134521 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Reviewer Comment (2026-07-15): XXXX received a seller CD
with the seller paid closing costs. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Seller Side Final CD uploaded. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134521 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Missing trust agreement for evidence of access to funds. | Reviewer Comment (2026-07-17): The trust is only a
beneficiary, not an owner Reviewer Comment (2026-07-14): The XXXX account lists POD the XXXX Trust. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Condition is not valid. No asset is 'owned' in the name of a Trust. Please see write up and please remove condition |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134629 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-07-14): Fraud Report, cleared Seller Comment (2026-07-14): Comment from XXXX (XXXX): please clarify what's needed to clear the condition. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135119 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA 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. (Type:Primary/XXXX) | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | HI | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135237 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of XXXX% exceeds Guideline loan to value percentage of XXXX%. | Reviewer Comment (2026-07-13): Received Lender Exception.
Exception cleared. Seller Comment (2026-07-13): Comment from XXXX (XXXX): attached signed excpt approval Reviewer Comment (2026-07-10): Please provide approval form signed by the borrower in order to waive the exception Buyer Comment (2026-07-10): Comment from XXXX (XXXX): excp form on other LTV condt |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135237 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of XXXX% exceeds Guideline combined loan to value percentage of XXXX%. | Reviewer Comment (2026-07-13): Received Lender Exception.
Exception cleared. Buyer Comment (2026-07-13): Comment from XXXX (XXXX): linked with other LTV condt Reviewer Comment (2026-07-10): Please provide approval form signed by the borrower in order to waive the exception Seller Comment (2026-07-10): Comment from XXXX (XXXX): excp form |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135237 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Rent Free LOE or VOR to verify housing history is not in file. | Reviewer Comment (2026-07-10): Received quit claim deed and
evidence taxes paid up to date Seller Comment (2026-07-10): Comment from XXXX (XXXX): borr did recently quit claimed the property over to her spouse on XXXX, please see attached quit claim and tax cert. are paid current. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | SC | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135420 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-08): Clearing based on review
coming back within tolerances. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135420 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136402 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Article of Organization is missing in file. | Reviewer Comment (2026-07-09): Articles provided.
Cleared. Seller Comment (2026-07-09): Comment from XXXX (XXXX): XXXX: According to XXXX Guidelines Articles of Incorporation or Articles of Organization is required. Please see attached Articles of Incorporation |
07/09/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136466 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Provision Increasing Rate After Default) | New York Subprime Loan: Mortgage loan contains a provision that increases interest rate after default. | Mortgage loan contains a provision that increases interest rate after default. Default rate is 18%. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | Provide the following: Letter of Explanation, modification of loan terms to remove the provision to increase the interest rate after default and proof of mailing. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000136466 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000132913 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-08): Clearing based on review
coming back within tolerances. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132913 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The file is missing a Fraud report. | Reviewer Comment (2026-07-10): Received Fraud Report.
Exception cleared. Seller Comment (2026-07-10): Comment from XXXX (XXXX): Fraud Report attached |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134184 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Counseling Disclosure Not Provided) | New York Subprime Loan: Counseling Disclosure not provided to borrower. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134184 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Subprime Legend Not on Mortgage) | New York Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking Law. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend) signed by consumers, and proof of re-recording. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000134184 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Non-Compliant | New York Subprime Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is in excess of allowable threshold of Prime Mortgage Market Rate XXXX+ XXXX%, or XXXX%. Non-Compliant SubPrime Loan. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000134184 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) New York Subprime Loan (Notice of Taxes and Insurance Not Provided) | New York Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134184 | XXXXX | XXXXX | 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 Compliance Audit / Quality Control Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Compliance Audit / Quality Control fee was added on Closing Disclosure XXXX. File does not contain a valid Change of Circumstance for this fee, nor evidence of a cure. | Reviewer Comment (2026-07-20): XXXX received LOX for
rebuttal response with additional information and a valid Changed
circumstance. Seller Comment (2026-07-16): Comment from XXXX (XXXX): COC LOE from opener regarding $XXXX FEE ADDED Reviewer Comment (2026-07-15): XXXX received COC dated XXXX, but it does not provide sufficient information why compliance inspection fee added as fees revised to match updated loan amount is not valid reason for addition of compliance inspection fee. Please provide additional information why fee was added or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Seller Comment (2026-07-14): Comment from XXXX (XXXX): COC -XXXX fees revised to match updated loan amount Reviewer Comment (2026-07-14): XXXX received rebuttal comment that fee increased due to loan amount change but as per file the fee was added on revised LE dated XXXX and the COC provided does not provide information for adding the additional fee on LE. Please provide more information as to why the fee was added on LE dated XXXX. Seller Comment (2026-07-10): Comment from XXXX (XXXX): CD showing the change for loan amount in turn increases the fees |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134184 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax fee increased to $XXXX on Closing Disclosure XXXX. File does not contain a valid Change of Circumstance for this fee, nor evidence of a cure. | Reviewer Comment (2026-07-14): Upon further review consumer
within 0% tolerance requirements. Seller Comment (2026-07-10): Comment from XXXX (XXXX): was disclosed on previous disclosures as well as final Cd |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000136248 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000137232 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller Closing Disclosure was not found in file. | Reviewer Comment (2026-07-14): XXXX received a seller CD
with seller paid closing costs. Seller Comment (2026-07-10): Comment from XXXX (XXXX): please see attached |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000137248 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal, which was delivered to the borrower, was not found in the file. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AL | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137248 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000137248 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to use stock accounts for funds to close without evidence of liquidation. Comp factors FICO XXXX. Meets OBF. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-09): Client elects to
waive/regrade with compensating factors. |
07/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | AL | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000137883 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-08): Clearing based on review
coming back within tolerances. |
07/08/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000137883 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137883 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137883 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137883 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller CD was not provided. | Reviewer Comment (2026-07-15): XXXX received seller CD. Seller Comment (2026-07-14): Comment from XXXX (XXXX): please see attached |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000826 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure was provided. | Reviewer Comment (2026-07-15): XXXX received LE and COC
dated XXXX. Buyer Comment (2026-07-14): CD Reviewer Comment (2026-07-10): XXXX received changed circumstance dated XXXX, but a corresponding LE/CD was not provided in file within 3 days of COC. Please provide LE/CD for further analysis. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000128194 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Co-Borrower does not meet tradeline requirements and is using Asset Qualifier, and one of the accounts is in her name. There are a lot of assets, and not all are reflected on the application. There is one mortgage that is right on the edge of meeting requirements. XXXX/XXXX. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-09): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
07/09/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000128194 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2026-07-14): RCE provided. Cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): please review RCE |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134648 | XXXXX | XXXXX | 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 (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135783 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136017 | XXXXX | XXXXX | 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. | File is missing evidence of appraisal delivery to the borrower. | Reviewer Comment (2026-07-10): Accepted as is. Buyer Comment (2026-07-09): Comment from XXXX (XXXX): Hello, this loan is not HPML. May we please request a waiver on this condition? Thank you. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136017 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135288 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-10): Clearing based on review
coming back within tolerances. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AK | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000137963 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-10): Clearing based on review
coming back within tolerances. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000137963 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-07-13): Fraud Report - cleared Seller Comment (2026-07-13): Comment from XXXX (XXXX): FRAUD REPORT |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000137963 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-09): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | OH | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000137372 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000137372 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000137372 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | P&L Statement not provided. | Reviewer Comment (2026-07-10): P&L provided.
Cleared. Seller Comment (2026-07-10): Comment from XXXX (XXXX): P&L uploaded |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137372 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Reviewer Comment (2026-07-10): P&L provided. Cleared |
07/10/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000137372 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-07-10): P&L provided. Cleared |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133872 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134362 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | The loan amount is $XXXX, which is less than Guideline minimum loan amount of $XXXX. | Reviewer Comment (2026-07-20): Per updated XXXX Matrix,
$XXXX is minimum Reviewer Comment (2026-07-14): Per matrix from approved XXXX guidelines: $XXXX max; $XXXX min. Seller Comment (2026-07-13): Comment from XXXX (XXXX): Please see the guideline excerpt attached. The investor's minimum loan amount is $XXXX, and this loan amount of $XXXX is above that requirement |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000134484 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000131377 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor Agreement is missing for all three guarantors | Reviewer Comment (2026-07-14): Received Guarantor
Agreement. Exception cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): guaranty |
07/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133979 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-10): Clearing based on review
coming back within tolerances. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135887 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Buydown Agreement not provided | The file is missing a copy of the Buydown Agreement. | Reviewer Comment (2026-07-16): Buydown Agreement provided.
Cleared Seller Comment (2026-07-16): Comment from XXXX (XXXX): Buydown agreement |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135887 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal revision provided in file was provided to the borrower within 3 business days of closing with no evidence of the borrower waiving the 72-hour notice. Initial appraisal version was not provided in file. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135887 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Compliance | Buydown Subsidy Collected Greater Than Buydown Terms - Buydown Terms Not Considered | HUD/CD reflects Temporary Buydown Amount in the amount of $XXXX. Temporary Buydown Agreement not in file. Unable to determine if temporary buydown amount collected is sufficient per terms of Buydown Agreement Payment Schedule. Additional subsidy or refund/credit of overage may be required if amount collected does not match terms of buydown agreement. | Seller paid Temporary Buydown located in section H of the Closing Disclosure. Missing required Temporary Buydown Agreement in file to verify the buydown terms. | Reviewer Comment (2026-07-16): Buydown Agreement provided.
Cleared |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135887 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Compliance | Temporary Buydown Agreement Missing | Temporary Buydown Agreement Missing from File. Unable to source buydown terms from alternate documents in file. | Reviewer Comment (2026-07-16): Buydown Agreement provided.
Cleared |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135887 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The file is missing a complete copy of the Fraud Report. Provided fraud report is not a full scope as required by lender guidelines. | Reviewer Comment (2026-07-16): Fraud Report provided.
Cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): frauds |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135887 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Missing required borrower ownership documentation for the borrower's self-employment bank statement income. Either a CPA letter or an Operating Agreement signed by both members of the business is required. Provided stated ownership that is not signed or filed with the state is not allowable documentation. | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-16): Comment from XXXX (XXXX): se income docs |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135887 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Loan Designation failure due to the missing business ownership documentation for the borrower's self-employment bank statement income. Provided stated ownership was not signed by either member or a CPA letter provided. Valid third-party ownership documentation is required. | Reviewer Comment (2026-07-17): Received, Clearing. |
07/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CO | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000135887 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay failure due to the missing business ownership documentation for the borrower's self-employment bank statement income. Provided stated ownership was not signed by either member or a CPA letter provided. Valid third-party ownership documentation is required. | Reviewer Comment (2026-07-17): Received, Clearing. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135887 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Buydown Term is missing. | Reviewer Comment (2026-07-16): Provided. Cleared. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000136299 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Reviewer Comment (2026-07-12): Received Legal Description.
Exception cleared. Seller Comment (2026-07-10): Comment from XXXX (XXXX): XXXX Please see attached Legal Description |
07/12/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000134945 | XXXXX | XXXXX | 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 XXXX. 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 XXXX. | 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 (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Refinance - Rate/Term | A | A | A | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000137127 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Exception will be cleared once appraisal report is received reflecting no damage | Reviewer Comment (2026-07-15): Appraisal received Seller Comment (2026-07-15): Comment from XXXX (XXXX): see uploaded Appraisal with added comments reg. XXXX Disaster & SSRs with a score < 2.5 |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | C | A | A | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000137127 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Reviewer Comment (2026-07-15): Appraisal received |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Primary | Purchase | D | B | C | A | A | B | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000137127 | XXXXX | XXXXX | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is missing secondary valuation product required for securitization. | Reviewer Comment (2026-07-15): Valid UCDP scores
provided |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | D | B | C | A | A | B | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000137127 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The appraisal provided has a report date of XXXX which is post closing. Please provide the earlier dated appraisal completed prior to the note date of XXXX. | Reviewer Comment (2026-07-15): Received appraisal completed
prior to closing in trailing
documents, cleared Seller Comment (2026-07-15): Comment from XXXX (XXXX): Earlier appraisal complete prior to note date was already provided with initial loan file.. uploaded again here.. |
07/15/2026 | No | 1 | A | A | A | A | A | FL | Primary | Purchase | D | B | C | A | A | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000137127 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-15): Client elects to waive |
07/15/2026 | No | 2 | B | B | B | B | B | FL | Primary | Purchase | D | B | C | A | A | B | D | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000132987 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Legal Description is missing | Reviewer Comment (2026-07-10): Received Legal Description.
Exception cleared. Seller Comment (2026-07-10): Comment from XXXX (XXXX): legal to deed |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132987 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The signatures on the note and security instrument are missing the individual's member/manager title in the signature block | Reviewer Comment (2026-07-16): Corrected Note and SECI
provided. Cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Updated docs with correct member/manager title listed |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135855 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-07-09): Accepted as is. |
07/09/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MT | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000136276 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-10): Clearing based on review
coming back within tolerances. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000136276 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000131574 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CT | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131574 | XXXXX | XXXXX | Credit | Credit | Credit Eligibility | Credit | Borrower has active Tradelines which are less than the minimum required by guidelines. | - Active Tradelines: ___ | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. |
SitusAMC SitusAMC |
Reviewer Comment (2026-07-10): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
07/10/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CT | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000135935 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Operating agreement for XXXX is not signed, provide signed copy. | Reviewer Comment (2026-07-15): Executed Operating Agreement
provided. Cleared. Seller Comment (2026-07-15): Comment from XXXX (XXXX): attached Reviewer Comment (2026-07-13): Exception is for the signed copy of the XXXX operating agreement Seller Comment (2026-07-13): Comment from XXXX (XXXX): attached LLC docs related to the money tree. Reviewer Comment (2026-07-13): Received an unsigned copy of the operating agreement in trailing documents. Please provide the executed copy. Exception remains Seller Comment (2026-07-13): Comment from XXXX (XXXX): attached |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000131873 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | The appraisal is subject to completion and the 442 final inspection by the appraiser is not located in the loan file. | Reviewer Comment (2026-07-13): Received, Clearing. Seller Comment (2026-07-10): Comment from XXXX (XXXX): Please see uploaded attestation letter. Items addressed on appraisal are resolved. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | A | A | C | A | N/A | No | |||||||||||||
| XXXXX | 4000137059 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000137059 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Please provide the complete pages of Security Instrument. | Reviewer Comment (2026-07-14): Received Security
Instrument. Exception cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): DOT |
07/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134144 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134144 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX 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 $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX 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 XXXX). | Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. | Reviewer Comment (2026-07-22): XXXX received PCCD, LOE,
Copy of Refund Check and Proof of Mailing. Seller Comment (2026-07-21): Comment from XXXX (XXXX): Please find the PCCD. Reviewer Comment (2026-07-21): XXXX received LOE, copy of cure refund and proof of mailing. As the LOE to borrower was not specific in explaining the violation and what the cure was related to, it would not be acceptable alone without a PCCD showing the cure. Please provide a Corrected CD to finalize this cure. Seller Comment (2026-07-20): Comment from XXXX (XXXX): Please find attached the cure documents for your review. |
XXXXX | 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 | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000135851 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for subject being a log
construction. Compensating factors include LTV is XXXX% and the FICO is XXXX. |
Borrower has owned the subject property for at least 5
years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-13): Lender exception approved |
07/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000136019 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Mortgage Statement is missing for REO property "XXXX". | Reviewer Comment (2026-07-14): Received Closing Disclosure.
Exception cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000136019 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type: Primary/XXXX) Remove/Clear Exceptions. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000136019 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000136418 | XXXXX | XXXXX | 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. (Type:Primary/XXXX) | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136418 | XXXXX | XXXXX | 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. (Client:XXXX/XXXX) | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136661 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-13): Clearing based on review
coming back within tolerances. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000136661 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136661 | XXXXX | XXXXX | 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 (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134381 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-07-13): Received, cleared Seller Comment (2026-07-13): Comment from XXXX (XXXX): Cert of Good Standing for XXXX |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134130 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of the borrower's receipt of the appraisal was missing from the file. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MT | Investment | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||
| XXXXX | 4000134130 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MT | Investment | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||
| XXXXX | 4000136250 | XXXXX | XXXXX | 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. | File is missing evidence of appraisal delivery to the borrower. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136250 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135453 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135952 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we
require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not
required. If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. |
B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000136522 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136522 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Paid appraisal invoice was not found in file. | Reviewer Comment (2026-07-14): Provided. Cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): I have never been asked to provide, nor have I ever submitted, an invoice for an appraisal before, so I'm not sure why it is being requested this time. Attached is the invoice for the appraisal as requested. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136522 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Available for Closing is insufficient to cover Cash from Borrower. | Reviewer Comment (2026-07-14): PCCD provided. Cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): The Post Closing Disclosure was already included in the closing package. Please refer to the Post Closing Disclosure in the closing package once again. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136522 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Available for Closing is insufficient to cover Cash from Borrower. | Reviewer Comment (2026-07-14): PCCD provided. Cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): The Post Closing Disclosure was already included in the closing package. Please refer to the Post Closing Disclosure in the closing package once again. |
07/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000136522 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Available for Closing is insufficient to cover Cash from Borrower. | Reviewer Comment (2026-07-14): PCCD provided. Cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): The Post Closing Disclosure was already included in the closing package. Please refer to the Post Closing Disclosure in the closing package once again. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133566 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133566 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133566 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-07-15): Sufficient cure provided.
Full cure amount for tolerance violation was provided at or before closing
(on final CD) resulting in a cleared exception. Seller Comment (2026-07-14): Comment from XXXX (XXXX): The final CD is showing a lender cure for $XXXX. The Final LE is showing the COC LE with increase of transfer taxes. The only show the cure for $XXXX and this was already cured on the final cd. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133566 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133566 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Tax return extension missing for XXXX. | Reviewer Comment (2026-07-14): Tax Return Extension
provided. Cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Proof of Extension |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133566 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Originator loan designation of XXXX does not match due diligence of XXXX. | Reviewer Comment (2026-07-14): Tax Return Extension
provided. Cleared. |
07/14/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000133566 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR due to missing tax return extension for business. | Reviewer Comment (2026-07-14): Tax Return Extension
provided. Cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Proof of extension |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133566 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-15): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000137193 | XXXXX | XXXXX | 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. | File is missing evidence of appraisal delivery to the borrower. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135018 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-13): Clearing based on review
coming back within tolerances. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000136020 | XXXXX | XXXXX | 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. | File is missing evidence of appraisal delivery to the borrower. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136020 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000138407 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136660 | XXXXX | XXXXX | 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. | File is missing evidence of appraisal delivery to the borrower. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136716 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133062 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is Incomplete. | Reviewer Comment (2026-07-13): Received Fraud Report.
Exception cleared. Seller Comment (2026-07-13): Comment from XXXX (XXXX): Fraud Report attached. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136247 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-13): Clearing based on review
coming back within tolerances. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132834 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing was not found in file. | Reviewer Comment (2026-07-19): Received Certificate of Good
Standing. Exception cleared. Seller Comment (2026-07-17): Comment from XXXX (XXXX): COGS |
07/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132834 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate was not found in file. | Reviewer Comment (2026-07-22): Associated to the Business
Purpose & Occupancy Affidavit, cleared Seller Comment (2026-07-22): Comment from XXXX (XXXX): OC Reviewer Comment (2026-07-19): Received Business purpose Affidavit. Please provide Occupancy affidavit/Certificate. Exception remains. Seller Comment (2026-07-17): Comment from XXXX (XXXX): OC part of the BPL Affidavit |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132834 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Missing Trust Agreement for XXXX Account ending in XXXX | Reviewer Comment (2026-07-20): Account not being used for
closing/reserves Buyer Comment (2026-07-17): Comment from XXXX (XXXX): Not using this account. Used business acct #XXXX at XXXX% = $XXXX for funds to closing. Also using XXXX IRA #XXXX = $XXXX x XXXX% = $XXXX for reserves. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132834 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Missing Trust Agreement for XXXX account ending in XXXX | Reviewer Comment (2026-07-20): Assets not being used for
closing/reserves Buyer Comment (2026-07-17): Comment from XXXX (XXXX): Not using this account. Used business acct #XXXX at XXXX% = $XXXX for funds to closing. Also using XXXX IRA #XXXX = $XXXXx XXXX% = $XXXX for reserves. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132834 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Missing approval/1008 | Reviewer Comment (2026-07-24): Received, Clearing. Seller Comment (2026-07-24): Comment from XXXX (XXXX): Loan Approval Attached Reviewer Comment (2026-07-20): Exception can be cleared with 1008 or loan approval. Exception remains. Buyer Comment (2026-07-17): Comment from XXXX (XXXX): This is a BPL loan. Due to its commercial nature, 1008s/Manual approvals are not required. Please waive. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132891 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-13): Clearing based on review
coming back within tolerances. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000132891 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing. | Reviewer Comment (2026-07-22): Received Articles of
Organization/Formation. Exception cleared. Seller Comment (2026-07-22): Comment from XXXX (XXXX): AOI Reviewer Comment (2026-07-19): As per XXXX XXXX guidelines, required Entity documentation are Articles of Organization, Operating Agreement (or equivalent), Tax Identification Number and Certificate of Good Standing. Please provide Articles of Organization of XXXX. Exception remains. Seller Comment (2026-07-17): Comment from XXXX (XXXX): AOO are part of the OA |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132891 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2026-07-19): Received Certificate of Good
Standing. Exception cleared. Seller Comment (2026-07-17): Comment from XXXX (XXXX): COGS |
07/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132891 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate is missing. | Reviewer Comment (2026-07-22): Associated to the Business
Purpose & Occupancy Affidavit, cleared Seller Comment (2026-07-22): Comment from XXXX (XXXX): OC Reviewer Comment (2026-07-19): Received Business purpose Affidavit. Please provide Occupancy affidavit/Certificate. Exception remains. Seller Comment (2026-07-17): Comment from XXXX (XXXX): Part of BPL affidavit |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132891 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing. | Reviewer Comment (2026-07-19): Received Operating
Agreement. Exception cleared. Seller Comment (2026-07-17): Comment from XXXX (XXXX): OA |
07/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132891 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease Agreement is missing for Unit XXXX. | Reviewer Comment (2026-07-24): Received, Clearing. Seller Comment (2026-07-24): Comment from XXXX (XXXX): Per the appraiser I have a picture of unit XXXX that shows the unit is labeled XXXX. There is also a photo included for reference that has been uploaded Reviewer Comment (2026-07-20): Please provide updated appraisal reflecting correct unit number Seller Comment (2026-07-17): Comment from XXXX (XXXX): Unit XXXX is actually Unit XXXX. Appraiser was off by one digit. A correction to the Appraisal has been requested. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132891 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Rent loss insurance is required and must equal 6 months of rental coverage. | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-17): Comment from XXXX (XXXX): Email from Agent confirming rent loss in included in coverage E, which is a percentage between 4% - 7% of Coverage A. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000132891 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | File is missing Approval/1008. | Reviewer Comment (2026-07-24): Received, Clearing. Seller Comment (2026-07-24): Comment from XXXX (XXXX): Loan Approval attached |
07/24/2026 | No | 1 | A | A | A | A | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| XXXXX | 4000133973 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Reviewer Comment (2026-07-13): Rent Loss coverage provided.
Cleared. Seller Comment (2026-07-13): Comment fromXXXX (XXXX): XXXX includes Fair Rental Value as part of their Standard Coverage. Please see the attached Account Summary showing $XXXX Fair Rental Value. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134981 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000865 | XXXXX | XXXXX | 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. | Receipt of appraisal was not found in the file. | Reviewer Comment (2026-07-10): Accepted as is. |
07/10/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000865 | XXXXX | XXXXX | 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 Extension Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | The file contains the rate lock confirmation confirming the lock extension, however it is dated XXXX and the lock extension fee was added to the XXXX CD | Reviewer Comment (2026-07-15): XXXX received COC dated
XXXX. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000865 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument was missing. | Reviewer Comment (2026-07-14): Received Security Instrument. Exception cleared. Buyer Comment (2026-07-14): DOT Reviewer Comment (2026-07-14): Note received, still missing the security instrument. Exception remains. Buyer Comment (2026-07-13): Note/DOT |
07/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MD | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000865 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Reviewer Comment (2026-07-14): Received signed flood
disclosure form signed at closing Reviewer Comment (2026-07-14): Reopened Reviewer Comment (2026-07-10): Accepted as is. |
07/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000865 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Notice of special flood hazard disclosure was signed at closing and not prior to 10 days of closing | Reviewer Comment (2026-07-14): Accepted as is. |
07/14/2026 | No | 2 | B | B | B | B | B | MD | Second Home | Purchase | D | B | D | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| XXXXX | 4000135746 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2026-07-10): Received, Clearing. Seller Comment (2026-07-10): Comment from XXXX (XXXX): The calculation also includes the UPB so the coverage must be more than or equal to the lesser of the RCV, UPB, or XXXX% of the RCV. In this case, XXXX% of the cost new is $XXXX and the XXXX is $XXXX. Since the XXXX is < XXXX% RCV, the coverage must be equal to or greater than $XXXX. The attached insurance reflects that the coverage is $XXXX which meets the minimum coverage requirements. |
07/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000138440 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-14): Clearing based on review
coming back within tolerances. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134514 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2026-07-20): RCE, cleared Seller Comment (2026-07-20): Comment from XXXX (XXXX): Hello, please see attached RCE Reviewer Comment (2026-07-16): Replacement cost estimator is not received. Exception remains. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Hello, please see attached RCE |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134514 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing. | Reviewer Comment (2026-07-16): Received Operating
Agreement. Exception cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Hello, please see attached LLC Documents |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134514 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing. | Reviewer Comment (2026-07-16): Received Operating
Agreement. Exception cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Hello, please see attached LLC Documents |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134030 | XXXXX | XXXXX | 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 (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134478 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134478 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/XXXX) | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134241 | XXXXX | XXXXX | 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 (2026-07-14): Accepted as is. |
07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134241 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary Title Policy amount is blank. | Reviewer Comment (2026-07-14): Accepted as is. |
07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135681 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-14): Clearing based on review
coming back within tolerances. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000136251 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136251 | XXXXX | XXXXX | 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 (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136002 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of good standing was not found in file. | Reviewer Comment (2026-07-16): Clearing. Buyer Comment (2026-07-15): Comment from XXXX (XXXX): This is not an exception and does not require loan buyer approval. Our XXXX Guidelines specifically state a Certificate of Good Standing is required IF the entity has been filed for at least one taxable year (if applicable) in Addendum 1. The LLC was newly formed on XXXX per the certificate of organization previously provided. COGS is not applicable in this case. Please clear/waive this condition. Reviewer Comment (2026-07-15): Provide lender exception from the buyer of the loan Buyer Comment (2026-07-15): Comment from XXXX (XXXX): Per the guidelines Addendum 1 - Certificate of Good Standing if entity has been filed for at least one taxable year (if applicable) Reviewer Comment (2026-07-15): An exception from the buyer of the loan is needed based on guidelines requiring good standing cert and no alternatives. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Certificate of Good Standing is not applicable for the borrowing entity. The LLC was newly formed on XXXX. See attached articles. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136252 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134123 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-13): Clearing based on review
coming back within tolerances. |
07/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135749 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | PA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136385 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | ECOA 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. (Type:Primary/XXXX) | Reviewer Comment (2026-07-14): Accepted as is. |
07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CT | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136385 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher-Priced Mortgage Loan. | Reviewer Comment (2026-07-15): Received Appraisal delivery
confirmation. Exception cleared. Seller Comment (2026-07-15): Comment from XXXX (XXXX): XXXX Disagree - Our Contract states that loan can close as HPML as long as all the requirements were met as they were on this loan. Please see the attached documents which shows the borrower received the Appraisal on XXXX |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136385 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-07-15): Received Appraisal delivery
confirmation. Exception cleared. Seller Comment (2026-07-15): Comment from XXXX (XXXX): XXXX Disagree - Our Contract states that loan can close as HPML as long as all the requirements were met as they were on this loan. Please see the attached documents which shows the borrower received the Appraisal on XXXX |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136385 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7506) | Reviewer Comment (2026-07-16): XXXX: Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) resulting in a cleared exception. Seller Comment (2026-07-15): Comment from XXXX (XXXX): XXXX Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Appraisal Fee. |
07/16/2026 | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000136385 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (7507) | Reviewer Comment (2026-07-16): XXXX: Sufficient cure
provided. Full cure amount for tolerance violation was provided at closing
(on final CD) resulting in a cleared exception. Seller Comment (2026-07-15): Comment from XXXX (XXXX): XXXX Please see the attached Final Closing Disclosure and Tolerance Cure breakdown which shows the borrower was provided a credit at closing for the increase in the Second Appraisal Fee. |
07/16/2026 | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000136385 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. (75103) | Reviewer Comment (2026-07-16): XXXX received updated CD
with valid rebuttal comment and supporting changed circumstance. Seller Comment (2026-07-15): Comment from XXXX (XXXX): XXXX The appraisal came in on XXXX on the property was subject to repairs. On XXXX a Change of Circumstance was submitted for the final inspection changing the fee from $XXXX to $XXXX. On XXXX a closing disclosure went out to the borrower to re-disclose the final inspection fee. Please see attached. |
07/16/2026 | 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 | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000136385 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-16): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000136385 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-16): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | CT | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||
| XXXXX | 4000138542 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien is missing. | Reviewer Comment (2026-07-15): Received Security Instrument
- Subject Lien. Exception cleared. Seller Comment (2026-07-15): Comment from XXXX (XXXX): QCD, Note, DOT, riders |
07/15/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | WA | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134970 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-14): Clearing based on review
coming back within tolerances. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135263 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000136569 | XXXXX | XXXXX | 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. | D0168 reflects appraisal sent via email XXXX. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OH | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136569 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-15): Received, Clearing. Buyer Comment (2026-07-14): Comment from XXXX (XXXX): Under Reg B the appraisal is "provided" when it's delivered to the borrower not when the borrower receives it. The appraisal was emailed to the borrower on XXXX which is at least 3 business days before consummation of XXXX. Reviewer Comment (2026-07-14): The borrower confirmed the appraisal receipt on XXXX, which is not at least 3 business days from closing. Exception remains. Buyer Comment (2026-07-14): Comment from XXXX (XXXX): XXXX is purchasing this loan as a Non-Qm |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136569 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | D0168 reflects appraisal sent via email XXXX. | Reviewer Comment (2026-07-15): Received, Clearing. Buyer Comment (2026-07-14): Comment from XXXX (XXXX): Under Reg B the appraisal is "provided" when it's delivered to the borrower not when the borrower receives it. The appraisal was emailed to the borrower on XXXX which is at least 3 business days before consummation of XXXX. Reviewer Comment (2026-07-14): The borrower confirmed the appraisal receipt on XXXX, which is not at least 3 business days from closing. Exception remains. Seller Comment (2026-07-14): Comment from XXXX (XXXX): The loan closed on XXXX, and the appraisal report was sent to the borrower on XXXX. It was sent 3 business days before consummation. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136887 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134244 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136667 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136912 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-13): Accepted as is. |
07/13/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136669 | XXXXX | XXXXX | 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 (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000136669 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000133403 | XXXXX | XXXXX | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-07-14): Received Hazard Insurance
Policy. Exception cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): eoi |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000136577 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-15): Clearing based on review
coming back within tolerances. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000136735 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the right to receive a copy of the appraisal at least three (3) business days prior to closing, and the appraisal was not provided at or before closing. | Reviewer Comment (2026-07-14): Accepted as is. |
07/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | HI | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136735 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Gift Donor Check for $XXXX is not in file. | Reviewer Comment (2026-07-14): Received Deposit Receipt and
Donor Check for gift funds of $XXXX. Exception cleared. Seller Comment (2026-07-14): Comment from Post Closing (XXXX): Please see attached. |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | HI | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000133674 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MO | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135883 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-15): Clearing based on review
coming back within tolerances. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000133695 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | The file is missing a copy of Rider - 1-4 Family. | Reviewer Comment (2026-07-14): Received 1-4 Family Rider.
Exception cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): RIDER |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135785 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-15): Clearing based on review
coming back within tolerances. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000136628 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-15): Clearing based on review
coming back within tolerances. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000136628 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXXis less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000136628 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Legal Description not provided | Legal Description is missing. | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-17): Comment from XXXX (XXXX): XXXX Please see attached Recorded Security Instrument with the Legal Description |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136715 | XXXXX | XXXXX | 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. | Receipt of Appraisal is not found in the file. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136715 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Preliminary Title Policy is within CA and does not reflect a coverage amount (no Final Title Policy in file). | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136649 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report is missing. | Reviewer Comment (2026-07-14): Received Credit Report.
Exception cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Credit Report |
07/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136649 | XXXXX | XXXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Credit Report is missing. | Reviewer Comment (2026-07-14): Received Credit Report.
Representative FICO Score is within the guideline limit. Exception
cleared. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Credit Report |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000138795 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-15): E-Sign Consent Agreement,
cleared Seller Comment (2026-07-15): Comment from XXXX (XXXX): attached |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000138606 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Reviewer Comment (2026-07-14): Received HUD from refinance
of REO property confirming cash out proceeds Reviewer Comment (2026-07-14): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX. Seller Comment (2026-07-14): Comment from XXXX (XXXX): Closing was concurrent with another file and paid off a blanket loan. Please see additional HUD from concurrent closing Reviewer Comment (2026-07-14): Additional assets were captured however still reserves not met. Exception remains. Seller Comment (2026-07-14): Comment from XXXX (XXXX): assets |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000138606 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing verification of proceeds from XXXX-XXXX as listed on the closing statement in the amount of $XXXX | Reviewer Comment (2026-07-14): Received HUD from refinance
of REO property confirming cash out proceeds Reviewer Comment (2026-07-14): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. Seller Comment (2026-07-14): Comment from XXXX (XXXX): This closing was concurrent with another file. Please see line item on the HUD "Proceeds from XXXX TO XXXX" and review the attached HUD Reviewer Comment (2026-07-14): Additional assets were captured however still reserves not met. Exception remains. Seller Comment (2026-07-14): Comment from XXXX (XXXX): assets and hud |
07/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134617 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Fully executed Lender Exception from XXXX is missing. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC |
Reviewer Comment (2026-07-21): Client exception
received. Seller Comment (2026-07-21): Comment from XXXX (XXXX): Filled out exception form attached. Reviewer Comment (2026-07-17): The top of the form remains unfilled out. Without a complete form we can't verify what property it goes to. Buyer Comment (2026-07-17): Comment from XXXX (XXXX): The form uploaded is completed. I am unsure as to why the form is showing as blank once uploaded. If the form is downloaded to PDF, you can click on the blank fields and the verbiage will be shown. Reviewer Comment (2026-07-16): Lender Exception document provided is incomplete. Exception remains. Seller Comment (2026-07-16): Comment from XXXX (XXXX): XXXX Exception Form attached |
07/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CT | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000134617 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Missing the Guarantee agreement. | Reviewer Comment (2026-07-16): Received Guarantor
Agreement. Exception cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Personal Guaranty and XXXX Guaranty attached. |
07/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CT | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134617 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Rent loss insurance is required and must equal 6 months of rental income. | Reviewer Comment (2026-07-22): Policy with increased Rent
Loss provided. Cleared. Seller Comment (2026-07-22): Comment from XXXX (XXXX): Updated HOI with Loss updated. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135408 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing. | Reviewer Comment (2026-07-16): Provided. Cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): please see the attached operating agreement |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000135408 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title does not list policy amount. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000135408 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Articles of Organization is missing. | Reviewer Comment (2026-07-16): Provided. Cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Articles of Organization |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | CA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000135408 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Missing Certificate of Good Standing. | Reviewer Comment (2026-07-21): Provided. Cleared. Seller Comment (2026-07-21): Comment from XXXX (XXXX): XXXX u Reviewer Comment (2026-07-20): Require Certificate of Good Standing for XXXX. Exception remains. Seller Comment (2026-07-20): Comment from XXXX (XXXX): uploaded updated one Seller Comment (2026-07-16): Comment from XXXX (XXXX): good standing |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000135408 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Employer Identification is missing. | Reviewer Comment (2026-07-16): Provided. Cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Employer Identification |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | D | B | D | B | A | A | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000134522 | XXXXX | XXXXX | 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 XXXX. 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 XXXX. | Loan exempt from QM/ATR submitted with a loan originator designation of other than XXXX. 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 XXXX. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000134522 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The file is missing a copy of E-sign consent agreement. | Reviewer Comment (2026-07-16): Received E-Sign Consent
Agreement. Exception cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): See attached |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000134522 | XXXXX | XXXXX | 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 XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-07-21): XXXX received e-consent
dated XXXX Seller Comment (2026-07-20): Comment from XXXX (XXXX): Page 4 of the disclosure tracking shows the consent was sent and accepted on XXXX |
07/21/2026 | No | 1 | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||||
| XXXXX | 4000136666 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000137338 | XXXXX | XXXXX | 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 (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000136579 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-16): Clearing based on review
coming back within tolerances. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134086 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Verification of non-US citizen is missing. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000134086 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Verification of non-US citizen status is missing. | Reviewer Comment (2026-07-16): Received the Permanent
Resident Card for co-borrower XXXX. Exception cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Permanent Resident Card - XXXX |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134598 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-16): Clearing based on review
coming back within tolerances. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | D | A | C | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000134598 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | A valid UCDP Score was not provided. Secondary Valuation required. | Reviewer Comment (2026-07-15): FSD score of .04 is valid
for collateral analytics Seller Comment (2026-07-15): Comment from XXXX (XXXX): See uploaded Rebuttal regarding AVM 2nd Valuation |
07/15/2026 | No | 1 | A | A | D | A | A | A | A | A | A | A | FL | Investment | Purchase | D | A | C | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000134647 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list title policy coverage amount. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | C | B | C | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134647 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided | Account Statements - Personal with account ending #XXXX listed on 1003 was not provided and needed for funds to close. | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-17): Comment from XXXX (XXXX): Hello, please see attached. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | C | B | C | B | D | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134647 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | D | B | C | B | C | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134647 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Account Statements - Personal with account ending #XXXX listed on 1003 was not provided and needed for funds to close. | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-17): Comment from XXXX (XXXX): Hello, please see attached. |
07/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | C | B | C | B | D | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000134647 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Account Statements - Personal with account ending #XXXX listed on 1003 was not provided and needed for funds to close. | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-17): Comment from XXXX (XXXX): Hello, please see attached. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | D | B | C | B | C | B | D | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134647 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-19): Received Subject property
UCDP Submission Summary report with CU score less than 2.5. Hence, Secondary
Valuation is not required. Exception cleared. Reviewer Comment (2026-07-17): Received UCDP report property address is not matching. Exception remains. Seller Comment (2026-07-17): Comment from XXXX (XXXX): Hello, please see attached. |
07/19/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Primary | Purchase | D | B | C | B | C | B | D | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000136659 | XXXXX | XXXXX | 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 of verification appraisal delivery to borrower was not found in file. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136662 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000136662 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud report was not found in file. | Reviewer Comment (2026-07-17): Received Fraud Report.
Exception cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Hello, please see attached. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000137340 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance verification is missing. | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-17): Comment from XXXX (XXXX): HOI FOR XXXX |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MT | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137340 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX plus XXXX% or $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-15): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MT | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000135824 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135824 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136212 | XXXXX | XXXXX | 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 (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136212 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. | No Cure was provided. | Reviewer Comment (2026-07-22): XXXX Received Corrected PCCD
and LOE along with true and certified
final settlement statement. Seller Comment (2026-07-21): Comment from XXXX (XXXX): Certified true copy provided by escrow. Seller Comment (2026-07-20): Comment from XXXX (XXXX): We've provided the final closing statement provided by escrow company, email proof attached. Reviewer Comment (2026-07-20): XXXX Received Corrected PCCD, LOE and Final SS; however, provided Final settlement statement is not true and certified nor signed. Provide true and certified copy of final settlement statement. Seller Comment (2026-07-17): Comment from XXXX (XXXX): Borrower was refunded at disbursement. Final Settlement Statement and PCCD showing lender credit and amount refunded to borrower. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000136347 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136347 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-15): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000136347 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Paystub was dated more than 30 days prior to closing. | Reviewer Comment (2026-07-21): Loan is NonQM |
07/21/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | NY | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000138699 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating agreement is missing to verify percentage of ownership. | Reviewer Comment (2026-07-30): Received Operating
Agreement. Exception cleared. Seller Comment (2026-07-29): Comment from XXXX (XXXX): Operating Agreement Reviewer Comment (2026-07-27): Operating agreement was not provided to verify percentage of ownership for each borrower. Exception remains. Seller Comment (2026-07-27): Comment from XXXX (XXXX): multiple memeber Reviewer Comment (2026-07-16): The operating agreement was not provided, Articles of organization was received. Exception remains. Seller Comment (2026-07-16): Comment from XXXX (XXXX): OPERATING AGREEMENT |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000138699 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided | Guarantor agreement is missing. | Reviewer Comment (2026-07-27): Provided via Note
signatures. Cleared Seller Comment (2026-07-27): Comment from XXXX (XXXX): Note was signed both Reviewer Comment (2026-07-16): The note was signed as XXXX XXXX. by XXXX, Member and XXXX, Member. The note was not signed in an individual capacity; Guarantor agreement is required. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Guarantor Agreement not provided |
07/27/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MI | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000137470 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137470 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000137599 | XXXXX | XXXXX | 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. | Receipt of Appraisal is not found in the file. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137599 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137537 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-16): Clearing based on review
coming back within tolerances. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000138710 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-16): Clearing based on review
coming back within tolerances. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134607 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Non-warrantable condo. Investor concentration is XXXX% versus XXXX% guideline. Also, the developer hasn't transferred control per questionnaire. The control is transferred when the property is purchased. Have attached questionnaire and appraisal. The project was recently converted from one building to individual condos. Incomplete Exception document was provided in file. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-21): Client exception
received. Seller Comment (2026-07-21): Comment from XXXX (XXXX): Filled out exception form attached. Reviewer Comment (2026-07-17): Completed form is required in order to waive exception Buyer Comment (2026-07-17): Comment from XXXX (XXXX): The form uploaded is completed. I am unsure as to why the form is showing as blank once uploaded. If the form is downloaded to PDF, you can click on the blank fields and the verbiage will be shown. Reviewer Comment (2026-07-16): Exception form provided is not completed. Exception remains Seller Comment (2026-07-16): Comment from XXXX (XXXX): Exception Form attached. |
07/21/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | CT | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000139221 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-16): Clearing based on review
coming back within tolerances. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000139221 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Commitment title policy amount is blank. | Reviewer Comment (2026-07-20): Updated commitment
received Seller Comment (2026-07-20): Comment from XXXX (XXXX): updated title |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000139221 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval/1008 is missing. | Reviewer Comment (2026-07-16): Received Approval. Exception
cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): 1008 |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000139221 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing. | Reviewer Comment (2026-07-16): Received Fraud Report.
Exception cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Fraud |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000001008 | XXXXX | XXXXX | 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 (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000001008 | XXXXX | XXXXX | 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 Desk Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided. | Reviewer Comment (2026-07-22): XXXX received valid COC
document Buyer Comment (2026-07-21): The SSR was uploaded XXXX for UW. UW determined it needed a CDA. It was over 2.5. The approval cert was sent to seller XXXX. Reviewer Comment (2026-07-17): XXXX received Changed Circumstance dated XXXX, but it does not give sufficient information on why the appraisal desk review 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. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000001008 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided. | Reviewer Comment (2026-07-22): Sufficient cure provided.
Full cure amount for tolerance violation was provided at or before closing
(on final CD) resulting in a cleared exception. Reviewer Comment (2026-07-17): XXXX received Changed Circumstance dated XXXX, but it does not give sufficient information on why the XXXX fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000001008 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | No cure provided. | Reviewer Comment (2026-07-17): XXXX received rebuttal
suffice |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000001008 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing. | Reviewer Comment (2026-07-16): Received E-Sign Consent
Agreement. Exception cleared. |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000001008 | XXXXX | XXXXX | 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 Management Company (Service Fee). Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing | Reviewer Comment (2026-07-22): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||
| XXXXX | 4000137375 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136929 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133421 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXXis less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CO | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000133902 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-17): Clearing based on review
coming back within tolerances. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 2000000986 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000946 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Please provide the donor's check, wire confirmation, or other evidence supporting the transfer of the $XXXX gift funds. | Reviewer Comment (2026-07-15): Received wire confirmation
confirming the gift funds of $XXXX. Exception cleared. |
07/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136882 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134396 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | The file is missing copy of Closing Disclosure . | Reviewer Comment (2026-07-16): CD provided. Cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Please find the attached final CD |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136714 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal Notice was not found in file. | Reviewer Comment (2026-07-15): Accepted as is. |
07/15/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137810 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-17): Clearing based on review
coming back within tolerances. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000137810 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134371 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Non-warrantable condo. Investor concentration is XXXX% versus XXXX% guideline. Also, the developer hasn't transferred control per questionnaire. The control is transferred when the property is purchased. Have attached questionnaire and appraisal. The project was recently converted. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-15): Lender exception approved |
07/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CT | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000136663 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136663 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136883 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136883 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136883 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Hello, the Cash to Close on the PCCD included in the loan file is $XXXX and verified assets amount is $XXXX. Therefore, there is $XXXX remaining for reserves. In addition, the POC invoices were also included behind the PCCD as well. Please kindly see one more time for reference, thank you. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000136883 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Hello, the Cash to Close on the PCCD included in the loan file is $XXXX and verified assets amount is $XXXX. Therefore, there is $XXXX remaining for reserves. In addition, the POC invoices were also included behind the PCCD as well. Please kindly see one more time for reference, thank you. |
07/17/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000136883 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Need bank statements to satisfy the reserve requirement | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-16): Comment from XXXX (XXXX): Hello, the Cash to Close on the PCCD included in the loan file is $XXXX and verified assets amount is $XXXX Therefore, there is $XXXX remaining for reserves. In addition, the POC invoices were also included behind the PCCD as well. Please kindly see one more time for reference, thank you. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137299 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent loss insurance for the subject property is required
and must equal at least six (6) months of local average monthly rents |
Reviewer Comment (2026-07-20): Received policy confirming
loss of use Seller Comment (2026-07-18): Comment from XXXX (XXXX): see attached |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136379 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Need three (3) most recent, consecutive months of rent receipts to use the $XXXX for the DSCR calculation. | Reviewer Comment (2026-07-29): $XXXX used to qualify at
origination. DSCR .XXXX Seller Comment (2026-07-28): Comment from XXXX (XXXX): PLEASE CLARIFY WHERE YOU SEE THAT WE ARE UTILIZING THE $XXXX---MY SYSTEM SHOWS WE ARE USING THE $XXXX MARKET RENT IN OUR LOAN FILE--THIS CONDITION IS NOT VALID--PLEASE WAIVE OR CLARIFY WHERE YOU SEE THAT. Reviewer Comment (2026-07-28): Lease Amount $XXXX which is higher than Market Rent of $XXXX which was utilized. 3 months' rent receipts required per guides to use higher lease amount. Exception remains. Seller Comment (2026-07-28): Comment from XXXX (XXXX): rebuttal |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135612 | XXXXX | XXXXX | 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. | Receipt of Appraisal is not found in the file. | Reviewer Comment (2026-07-17): Accepted as is |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135325 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-17): Clearing based on review
coming back within tolerances. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000137499 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137173 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage Statement and HOI Verification not provided. | Reviewer Comment (2026-07-17): Received, Clearing. Seller Comment (2026-07-17): Comment from XXXX (XXXX): Please see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137200 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Hazard Insurance Policy expires within 90 days of the Note Date. | Hazard Insurance Policy Expiration Date ___, Note Date ___ | Hazard Insurance Policy Expiration Date XXXX, Note Date XXXX. | Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | IL | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000135447 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-21): Received, Clearing. Seller Comment (2026-07-21): Comment from XXXX (XXXX): econsent |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000137195 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000138086 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy amount of $XXXX is less than the note amount of $XXXX based on the commitment in the file. | Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000137874 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-17): Clearing based on review
coming back within tolerances. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000137874 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Max LTV for I/O loans is 70% for DSCR >=.75 | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Seasoned Borrower/Investor whose experience exceeds 10 completed projects. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-30): Client elects to waive with
compensating factors Seller Comment (2026-07-30): Comment from XXXX (XXXX): XXXX: Please see attached exception approval from investor. Reviewer Comment (2026-07-29): Max LTV is XXXX% with I/O loan and DSCR >=.XXXX. Loan was approved with an LTV of XXXX% Seller Comment (2026-07-29): Comment from XXXX (XXXX): XXXX Please see the attached XXXX guidelines when a property is a purchase with DSCR >=.XXXX the LTV is XXXX. Reviewer Comment (2026-07-27): Loan must meet XXXX requirements for I/O loans Buyer Comment (2026-07-27): Comment from XXXX (XXXX): XXXX: Based on the agreed guidelines with XXXX DSCR >=.XXXX with FICO of XXXX the LTV can be XXXX%. |
07/30/2026 | Yes | 2 | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| XXXXX | 4000137199 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-07-16): Accepted as is. |
07/16/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000134329 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Reviewer Comment (2026-07-17): Accepted as is. |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Second Home | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136123 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2026-07-17): Received Certificate of Good
Standing. Exception cleared. Seller Comment (2026-07-16): Comment from XXXX (XXXX): BUSINESS CERT |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000137999 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Safe Harbor requirements were not satisfied. | Reviewer Comment (2026-07-17): Accepted as is. |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135264 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-21): Clearing based on review
coming back within tolerances. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000139528 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Provided assets are insufficient to meet reserve requirement. | Reviewer Comment (2026-07-28): Received Asset
Documentation. Exception cleared. Seller Comment (2026-07-28): Comment from XXXX (XXXX): Upload is additional assets XXXX |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000139528 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Originator Loan Designation of XXXX does not match Due Diligence. | Reviewer Comment (2026-08-03): Received, Clearing. |
08/03/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000139528 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-08-03): Received, Clearing. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137373 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-07-17): Accepted as is. |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000137373 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing for REO Property "XXXX". | Reviewer Comment (2026-07-21): Received Insurance
Verification. Exception cleared. Seller Comment (2026-07-21): Comment from XXXX (XXXX): LOX uploaded |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000137373 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing for REO Property "XXXX". | Reviewer Comment (2026-07-21): Received Insurance
Verification. Exception cleared. Seller Comment (2026-07-21): Comment from XXXX (XXXX): LOX uploaded |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000137373 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification is missing for REO Property "XXXX". | Reviewer Comment (2026-07-21): Received Insurance
Verification. Exception cleared. Seller Comment (2026-07-21): Comment from XXXX (XXXX): LOX uploaded |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000137378 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Missing paid invoices for the paid outside of closing for appraisal and credit report. | Reviewer Comment (2026-07-27): Received invoices Seller Comment (2026-07-27): Comment from XXXX (XXXX): invoices uploaded |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000137378 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | ATR due to missing paid invoices. | Reviewer Comment (2026-07-27): Received invoices for POC
fees Seller Comment (2026-07-27): Comment from XXXX (XXXX): invoices uploaded |
07/27/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000137378 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | ATR due to missing paid invoices. | Reviewer Comment (2026-07-27): Received invoices for POC
fees Seller Comment (2026-07-27): Comment from XXXX (XXXX): invoices uploaded |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137134 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-21): Clearing based on review
coming back within tolerances. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | B | C | A | B | B | D | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000137134 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Appraisal provided is signed post closing. Provide the appraisal with an effective date and signature date prior to the note date | Reviewer Comment (2026-07-20): Received, cleared Seller Comment (2026-07-20): Comment from XXXX (XXXX): APPRAISAL #3 (DATED XXXX) WAS ORIGINAL, AND VALUE WAS RECERTIFIED SINCE THE APPRAISAL REPORT WAS STILL VALID. THE PREVIOUS APPRAISAL PROVIDED WAS DATED AFTER NOTE DATE BECAUSE WE WERE TRYING TO REVISE THE SUBJECT RENTAL INCOME : APPRAISER TO CORRECT SUBJECT RENTAL INCOME FOR XXXX $XXXX XXXX XXXX XXXX XXXX $XXXX BUT WHEN WE RECEIVED APPRAISAL #4, SUBJECT RENTAL INCOME WAS UPDATED BUT THE PICTURES WERE MISSING. Reviewer Comment (2026-07-20): Appraisal provided is signed post closing. Provide the appraisal with an effective date and signature date prior to the note date Seller Comment (2026-07-20): Comment from XXXX (XXXX): Second valuation was provided- please see attached AVM . |
07/20/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | CA | Investment | Refinance - Rate/Term | D | B | C | A | B | B | D | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000137134 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | All revolving accounts are being paid off with the concurrent loan. No supporting documents were provided. The calculated investor qualifying total debt ratio of XXXX% exceeds the guideline total debt ratio of XXXX%. | Reviewer Comment (2026-07-20): Received closing statement
from REO refinance confirming debts paid off Reviewer Comment (2026-07-20): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%. Seller Comment (2026-07-20): Comment from XXXX (XXXX): please see attached Final Statement for REO property XXXX. Liabilities were paid off at funding. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | B | C | A | B | B | D | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000137134 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-07-20): Client elects to waive |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | D | B | C | A | B | B | D | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000137134 | XXXXX | XXXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Subject photos are missing or not legible. | - | Reviewer Comment (2026-07-20): Received appraisal with
subject and comp photos Seller Comment (2026-07-20): Comment from XXXX (XXXX): Here is appraisal #3 with the pictures, however the reason why we conditioned for appraisal #4 (the one you saw without pictures) was because we were getting the subject rental income updated. However here is appraisal #3 that shows the pictures. For some reason the appraisal #4 came back without pictures but we will get that updated to show that. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | B | C | A | B | B | D | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000137134 | XXXXX | XXXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Comparable(s) photos are missing or not legible. | - | Reviewer Comment (2026-07-20): Received appraisal with
subject and comp photos |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | B | C | A | B | B | D | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000137134 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The fraud report and letter of explanation list ownership in a business. Provide K-1, business returns. | Reviewer Comment (2026-07-20): Secondary income not
required to be verified when qualifying with wages Seller Comment (2026-07-20): Comment from XXXX (XXXX): Fraud Report and Confirmation from XXXX stating that only LOE is required to explain the nature of business. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | D | B | C | A | B | B | D | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000134920 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-21): Clearing based on review
coming back within tolerances. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000134920 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | HUD/Closing Disclosure is missing in file. | Reviewer Comment (2026-07-18): Received, Clearing. Seller Comment (2026-07-18): Comment from XXXX (XXXX): Please see attached |
07/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000139534 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of Organization/Formation is missing. | Reviewer Comment (2026-07-20): Received Articles of
Organization/Formation. Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): Please see attached |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000139534 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Certificate of Good Standing is missing. | Reviewer Comment (2026-07-20): Received Certificate of Good
Standing. Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): Please see attached |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000139534 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Corporate Resolution is missing. | Reviewer Comment (2026-07-20): Received Operating
Agreement. Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): See attached |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000139534 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification Number (EIN) is missing. | Reviewer Comment (2026-07-20): Received Employer
Identification Number (EIN). Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): See attached |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000139534 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement is missing. | Reviewer Comment (2026-07-20): Received Operating
Agreement. Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): See attached |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135479 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Need complete Fraud Report. | Reviewer Comment (2026-07-20): Received Fraud report.
Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): Copy of complete fraud guard report uploaded. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136405 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Reviewer Comment (2026-07-22): Received Hazard Insurance
Policy with an effective date of XXXX, which matches the disbursement date.
Exception cleared. Seller Comment (2026-07-22): Comment from XXXX (XXXX): XXXX: Please see attached insurance policy with the effective date of XXXX |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000136405 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing | Reviewer Comment (2026-07-20): Client elects to waive |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133725 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-07-20): Client elects to waive |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135609 | XXXXX | XXXXX | 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 closing. | Reviewer Comment (2026-07-17): Accepted as is. |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135001 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Employer Identification is missing in file. | Reviewer Comment (2026-07-21): Received Employer
Identification Number (EIN). Exception cleared. Seller Comment (2026-07-21): Comment from XXXX (XXXX): EIN Documentation |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000137467 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-07-17): Accepted as is. |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135613 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The verification appraisal delivered to the borrower was not provided. | Reviewer Comment (2026-07-17): Accepted as is. |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135613 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Preliminary Title Report does not list title policy coverage amount. | Reviewer Comment (2026-07-17): Accepted as is. |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135613 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided | Paid Appraisal Invoice is missing. | Reviewer Comment (2026-07-20): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): Hello, please see attached. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135613 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Paid Appraisal Invoice is missing. | Reviewer Comment (2026-07-20): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): Hello, please see attached. |
07/20/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000135613 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Paid Appraisal Invoice is missing. | Reviewer Comment (2026-07-20): Received POCB Invoice for
Appraisal Fee. Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): Hello, please see attached. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136740 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-21): Clearing based on review
coming back within tolerances. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000136740 | XXXXX | XXXXX | 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. | Receipt of Appraisal is missing. | Reviewer Comment (2026-07-20): Client elects to waive |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136740 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. $XXXX over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax increased from $XXXX to $XXXX. No cure provided. | Reviewer Comment (2026-07-22): XXXX received rebuttal and
LOE suffice Seller Comment (2026-07-21): Comment from XXXX (XXXX): The $XXXX is the XXXX Foreclosure Prevention Fee and not transfer taxes. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000001001 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment was not found in file. | Reviewer Comment (2026-07-20): Received Note Addendum -
Prepayment. Exception cleared. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | Yes | ||||||||||||||
| XXXXX | 2000001001 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in file for request to allow for loan to close as rate and term with HELOC draw >$XXXX within the last 12 months. HELOC draw XXXX and XXXX, per guidelines, would require a change to cash out, which would limit LTV to XXXX%. Seller would like to close rate and term since we are <30 days from the 12-month deadline of the last HELOC draw. Compensating factors include 14 months of reserves and XXXX FICO. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | SitusAMC | Reviewer Comment (2026-07-17): Client elects to waive with
compensating factors |
07/17/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000137497 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-07-17): Accepted as is. |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135610 | XXXXX | XXXXX | 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 (2026-07-20): Client elects to waive |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135610 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-07-20): Client elects to waive |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135003 | XXXXX | XXXXX | 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 (2026-07-17): Accepted as is. |
07/17/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137856 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-20): Client elects to waive |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137856 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | Approval was not provided in the file. | Reviewer Comment (2026-07-20): Received Loan Underwriting
and Transmittal Summary (1008) / MCAW. Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): Hello, please see attached |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000137856 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary Title Policy amount is blank. | Reviewer Comment (2026-07-20): Client elects to waive |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134507 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Truth in Lending Act: Notice of Right to Cancel was not provided. | Reviewer Comment (2026-07-21): Received, Clearing. Seller Comment (2026-07-21): Comment from XXXX (XXXX): NRTC uploaded |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000138694 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-17): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000138694 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Title evidence was not found in file. A supplemental report was provided. |
Reviewer Comment (2026-07-21): Received Title Preliminary.
Exception cleared. Seller Comment (2026-07-21): Comment from XXXX (XXXX): Title Report |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000137764 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 calendar days of the Note. | - | Verification(s) of employment is not within 10 calendar days of the Note. | Reviewer Comment (2026-07-21): Received VVOE dated within
10 calendar days of the Note date. Exception cleared. Seller Comment (2026-07-21): Comment from XXXX (XXXX): The note date was on the XXXX & the VVOE was completed on the XXXX. It was 3 calendar days before the note date which falls within the 10 days. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137764 | XXXXX | XXXXX | 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 (2026-07-20): Client elects to waive with
compensating factors |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137764 | XXXXX | XXXXX | Property | Valuation | General | Valuation | Valuation Product pending | XXXXl / Post Disaster Inspection + XXXX - 2 Days | Reviewer Comment (2026-07-22): Received, Clearing. |
07/22/2026 | No | 1 | A | A | A | A | A | TX | Primary | Purchase | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000136258 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-21): Clearing based on review
coming back within tolerances. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000136258 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI exceeds as installment accounts included in the DTI calculation, which is not included as per 1008, and no supporting documentation was received for XXXX, XXXX,XXXX, and XXXX. Calculated investor qualifying total debt ratio of XXXX% exceeds guideline total debt ratio of 50.00000%. | Reviewer Comment (2026-07-24): Received evidence debt paid
by others Reviewer Comment (2026-07-24): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of XXXX% exceeds Guideline total debt ratio of XXXX%. Seller Comment (2026-07-24): Comment from XXXX (XXXX): Please see attached payment proofs for auto loans - XXXX, XXXX, XXXX no 1, and XXXX No 2. 3rd party payments attached showing XXXX and XXXX made the payments. LOE's attached to support timing of payments. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136258 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the right to receive a copy of the appraisal at least three (3) business days prior to closing, and the appraisal was not provided at or before closing. | Reviewer Comment (2026-07-20): Accepted as is per
client. |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136258 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Originator loan designation of XXXX does not match due diligence loan designation of XXXX, due to exceedance in DTI. | Reviewer Comment (2026-07-24): Received evidence debt paid
by others |
07/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000136258 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components, which could impact the borrower's ability to repay. | Reviewer Comment (2026-07-24): Received evidence debt paid
by others |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136258 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XXXX% significantly exceeds the guideline maximum of XXXX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The DTI calculated in accordance with the lender's guidelines and 1026.43(c)(5) of XXXX% significantly exceeds the guideline maximum of XXXX%. (DTI exception requires compelling compensating factors to consider regrading to EV2-B.) | Reviewer Comment (2026-07-24): Received evidence debt paid
by others |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000001032 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception was provided but is incomplete. | Reviewer Comment (2026-07-17): Received, Clearing. |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000001032 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-17): Client exception
received. |
07/17/2026 | Yes | 2 | B | B | B | B | B | AZ | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| XXXXX | 2000001032 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-17): Client exception
received. |
07/17/2026 | Yes | 2 | B | B | B | B | B | AZ | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| XXXXX | 4000136136 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-21): Clearing based on review
coming back within tolerances. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||
| XXXXX | 4000136136 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-20): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000134682 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal notice is missing. | Reviewer Comment (2026-07-20): Client elects to waive with
compensating factors |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000134682 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal notice is missing. | Reviewer Comment (2026-07-20): Client elects to waive with
compensating factors |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WI | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000134682 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Provide gift letter in the amount of $XXXX. The gift letter in the file is cut off on one side. | Reviewer Comment (2026-07-22): Gift Letter, cleared Seller Comment (2026-07-22): Comment from XXXX (XXXX): Here is the full gift letter - amount is $XXXX that also matches the final cd. We were only allowed to do up to the down payment amount so not sure why you are showing $XXXX. |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000134682 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Missing donor check in the amount of $XXXX. | Reviewer Comment (2026-07-22): Received, Clearing. Seller Comment (2026-07-22): Comment from XXXX (XXXX): THE GIFT IS XXXX PLEASE SEE FINAL CD. ATTACHED IS THE WIRE FROM TITLE |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Investment | Purchase | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000134300 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | The file is missing a copy of Note Addendum - Prepayment. | Reviewer Comment (2026-07-20): Received Note Addendum -
Prepayment. Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): note addendum |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| XXXXX | 4000134300 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Rider - Prepayment not provided | The file is missing a copy of Prepayment rider. | Reviewer Comment (2026-07-20): Received Rider - Prepayment.
Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): prepayment rider |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000134300 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | The file is missing a copy of Rider - 1-4 Family. | Reviewer Comment (2026-07-20): Received Rider - 1-4 Family.
Exception cleared. Seller Comment (2026-07-20): Comment from XXXX (XXXX): 1- 4 family rider |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135771 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount. No final title policy was found in file. | Reviewer Comment (2026-07-20): Client elects to waive with
compensating factors |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135771 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-Sign Consent Agreement was not found in file. | Reviewer Comment (2026-07-21): E-Consent provided.
Cleared. Seller Comment (2026-07-21): Comment from XXXX (XXXX): e-consent |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135771 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | Reviewer Comment (2026-07-24): XXXX Received Letter of
Explanation & Corrected Closing Disclosure. Seller Comment (2026-07-23): Comment from XXXX (XXXX): LOX uploaded Reviewer Comment (2026-07-22): XXXX received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize. Seller Comment (2026-07-21): Comment from XXXX (XXXX): POCD uploaded |
XXXXX | No | 2 | C | B | C | B | C | B | C | B | C | B | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000137745 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-07-21): Accepted as is. |
07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | GA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136282 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-07-21): Accepted as is. |
07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137304 | XXXXX | XXXXX | 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. | List of Homeownership Counseling Organizations to borrower is Missing. | Reviewer Comment (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137304 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-21): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000137304 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | D0170 Email reflects Appraisal sent XXXX. | Reviewer Comment (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135537 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-21): Accepted as is. |
07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137701 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Title Commitment or Preliminary title policy amount is blank. If the commitment or prelim does not state a coverage amount. | Reviewer Comment (2026-07-20): Accepted as is per
client. |
07/20/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000140010 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-24): Received CDA. Exception
cleared. Seller Comment (2026-07-24): Comment from XXXX (XXXX): CDA Report Attached |
07/24/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NY | Investment | Refinance - Cash-out - Other | D | A | A | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 4000137284 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-21): Accepted as is. |
07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NC | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000136585 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien is missing | Reviewer Comment (2026-07-21): Received Security Instrument
- Subject Lien. Exception cleared. Seller Comment (2026-07-21): Comment from XXXX (XXXX): SECI originally sent with the file is for the wrong loan. Attached is the correct SECI for XXXX with loan amount $XXXX. Warranty Deed also uploaded. |
07/21/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | IN | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000137073 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing. | Reviewer Comment (2026-07-21): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000137073 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing. | Reviewer Comment (2026-07-21): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000136717 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-07-21): Accepted as is. |
07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136717 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX are less than Cash From Borrower $XXXX. | Reviewer Comment (2026-07-21): Received POC invoice Reviewer Comment (2026-07-21): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. Seller Comment (2026-07-21): Comment from XXXX (XXXX): Hello, please see attached PCCD previously provided and the credit poc invoice. |
07/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000136717 | XXXXX | XXXXX | 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. (Type:Primary/XXXX) | Reviewer Comment (2026-07-21): Accepted as is. |
07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | C | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136886 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-07-21): Accepted as is. |
07/21/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 2000001033 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower is a first-time investor with DSCR under 1. Incomplete Lender Exception provided. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-23): Client exception
received. |
07/23/2026 | Yes | 2 | C | B | C | B | C | B | C | B | C | B | NH | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000136933 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Commitment in file. | Reviewer Comment (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136933 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | VA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136933 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher-Priced Mortgage Loan. | Reviewer Comment (2026-07-23): Received, Clearing. Reviewer Comment (2026-07-22): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136933 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-07-23): Received, Clearing. Seller Comment (2026-07-23): Comment from XXXX (XXXX): ROV uploaded Reviewer Comment (2026-07-22): We have to see receipt prior to closing as waiver cannot be done on HPML loans. Seller Comment (2026-07-22): Comment from XXXX (XXXX): 3 days waiver |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136933 | XXXXX | XXXXX | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice) | Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. | Reviewer Comment (2026-07-22): Originator is not the real
estate agent Reviewer Comment (2026-07-22): Reopened Reviewer Comment (2026-07-22): Accepted as is. |
07/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | VA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136933 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX 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 $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX 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 XXXX). | The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold. | Reviewer Comment (2026-07-22): Flat fee of $XXXX paid to
real estate agent per seller clarification |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | 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 | B | B | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000136933 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | VA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||||
| XXXXX | 4000136154 | XXXXX | XXXXX | 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 (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136154 | XXXXX | XXXXX | 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 (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136052 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-23): Clearing based on review
coming back within tolerances. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000136052 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000137587 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Fraud Report missing in the file. | Reviewer Comment (2026-07-22): Received fraud report Seller Comment (2026-07-22): Comment from Post Closing (XXXX): Credit Report |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 4000137587 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report missing in the file. | Reviewer Comment (2026-07-22): Received fraud report Seller Comment (2026-07-22): Comment from Post Closing (XXXX): Dataverify |
07/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000139972 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Coverage is $XXXX. The loan amount is $XXXX. | Reviewer Comment (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | OK | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000140464 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided | Gift letter was not found in file for gift amount $XXXX. | Reviewer Comment (2026-07-24): Received, Clearing. Seller Comment (2026-07-23): Comment from XXXX (XXXX): corrected gift letter |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000140464 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Reviewer Comment (2026-07-24): Received, Clearing. |
07/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | CT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000140464 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Reviewer Comment (2026-07-24): Received, Clearing. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137998 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-23): Clearing based on review
coming back within tolerances. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000137998 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000137998 | XXXXX | XXXXX | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. | Reviewer Comment (2026-07-23): Received, Clearing. Buyer Comment (2026-07-23): Comment from XXXX (XXXX): A commitment was issued to the borrower on XXXX that is valid for 40 days and we honored this rate. In this example the standard rate lock was done with the investor after closing, when we identified this loan to be sold. There are times when a loan is not sold immediately after closing. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000140460 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000140460 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000140460 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000140460 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000140460 | XXXXX | XXXXX | 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 (2026-07-27): XXXX received initial CD. Seller Comment (2026-07-23): Comment from XXXX (XXXX): Initial CD |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000140457 | XXXXX | XXXXX | 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 (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000140457 | XXXXX | XXXXX | 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 XXXX. 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 XXXX. | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. | Reviewer Comment (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | No | ||||||||||
| XXXXX | 4000140457 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller Closing Disclosure was not found in file. | Reviewer Comment (2026-07-24): XXXX received combined final
SS with seller paid fees. Seller Comment (2026-07-23): Comment from XXXX (XXXX): Settlement statement with seller side |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Exempt from ATR | Yes | |||||||||
| XXXXX | 2000001072 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-22): Accepted as is. |
07/22/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | B | B | A | A | B | B | A | A | N/A | N/A | No | |||||||||||
| XXXXX | 4000135780 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Reviewer Comment (2026-07-27): Received Business Purpose
Certificate. Exception cleared. Seller Comment (2026-07-24): Comment from XXXX (XXXX): Hello, please see attached. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000135342 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | Credit Report is missing. | Reviewer Comment (2026-07-23): Received Credit report.
Exception cleared. Seller Comment (2026-07-22): Comment from XXXX (XXXX): see attached |
07/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | PA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135342 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Verification of Identification is missing. | Reviewer Comment (2026-07-23): Received Verification of
Identification. Exception cleared. Seller Comment (2026-07-22): Comment from XXXX (XXXX): see attached |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135342 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 application is missing. | Reviewer Comment (2026-07-23): Received Final 1003.
Exception cleared. Seller Comment (2026-07-22): Comment from XXXX (XXXX): see attached |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135342 | XXXXX | XXXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Reviewer Comment (2026-07-23): Received Credit report.
Exception cleared. Seller Comment (2026-07-22): Comment from XXXX (XXXX): see attached |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000137416 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-23): Clearing based on review
coming back within tolerances. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | LA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000136613 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-22): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000137819 | XXXXX | XXXXX | 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. (Type:Primary/XXXX). | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000140291 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-23): Clearing based on review
coming back within tolerances. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||||
| XXXXX | 4000140291 | XXXXX | XXXXX | 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 (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NY | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | N/A | N/A | No | ||||||||||
| XXXXX | 4000137615 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating agreement or corporate resolution is missing. | Reviewer Comment (2026-07-24): Received, Clearing. Seller Comment (2026-07-23): Comment from XXXX (XXXX): Certification of Incorporation provided in the closing package. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136931 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136931 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher-Priced Mortgage Loan. | Reviewer Comment (2026-07-29): Received earlier dated
appraisal Seller Comment (2026-07-28): Comment from XXXX (XXXX): Hello, please see attached. Reviewer Comment (2026-07-24): Please provide the earlier dated provided appraisal. Seller Comment (2026-07-24): Comment from XXXX (XXXX): Hello, please see attached. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136931 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-07-29): Received earlier dated
appraisal Seller Comment (2026-07-28): Comment from XXXX (XXXX): Hello, please see attached. Reviewer Comment (2026-07-24): Please provide the earlier dated provided appraisal. Seller Comment (2026-07-24): Comment from XXXX (XXXX): Hello, please see attached. |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136931 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133996 | XXXXX | XXXXX | 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 XXXX, prior to three (3) business days from transaction date of XXXX. | Reviewer Comment (2026-07-23): Received final closing
statement confirming XXXX disbursement date Seller Comment (2026-07-23): Comment from XXXX (XXXX): final hud shows disbursement XXXX |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000133996 | XXXXX | XXXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on XXXX% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $XXXX. | Reviewer Comment (2026-07-23): Policy indicates replacement
cost coverage Seller Comment (2026-07-23): Comment from XXXX (XXXX): please see replacement cost XXXX% included |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000001022 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment is missing. | Reviewer Comment (2026-07-28): Received Note Addendum -
Prepayment. Exception cleared. |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AL | Investment | Purchase | C | A | C | A | A | A | N/A | Yes | ||||||||||||||
| XXXXX | 4000138150 | XXXXX | XXXXX | 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 (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137409 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-24): Clearing based on review
coming back within tolerances. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000137617 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-24): Clearing based on review
coming back within tolerances. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000137617 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| XXXXX | 4000137617 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating Agreement or Corporate resolution is missing. | Reviewer Comment (2026-07-24): Received, Clearing. Seller Comment (2026-07-23): Comment from XXXX (XXXX): Certification of Incorporation provided in the closing package. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136885 | XXXXX | XXXXX | 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 (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136885 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Marital Status was not provided | - | Marital Status is blank on both the initial and final 1003. | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136885 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000138659 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Guidelines state self-employed borrower income in a licensed profession will be considered from a business that has been in existence for less than 2 years, but at least one year if the borrower has at least 2 years in a related field. XXXX are owned XXXX% by the borrower and 10% by the co-borrower and is being used for income qualification. XXXX was incorporated XXXX. Borrowers also own XXXX., XXXX% by the borrower and XXXX% by the co-borrower, which is a travel blog and has been open since XXXX. A CPA letter was provided stating that XXXX operates under the umbrella of XXXX. However, they further confirm the businesses are filed separately. | Borrower has been employed in the same industry for more
than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-23): Client elected to
waive/regrade with compensating factors. Lender exception provided. |
07/23/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CO | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||
| XXXXX | 4000138735 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Appraisal not provided. | Reviewer Comment (2026-07-23): Appraisal received Seller Comment (2026-07-23): Comment from XXXX (XXXX): Appraisal |
07/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000138735 | XXXXX | XXXXX | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | The file is missing a copy of Appraisal document | Reviewer Comment (2026-07-23): Appraisal received Seller Comment (2026-07-23): Comment from XXXX (XXXX): Appraisal |
07/23/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NJ | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000138735 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | The file is missing a copy of appraisal document | Reviewer Comment (2026-07-23): Appraisal received Seller Comment (2026-07-23): Comment from XXXX (XXXX): Appraisal |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||
| XXXXX | 4000136884 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Purchase | C | B | C | A | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000136884 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | The Hazard Insurance Policy Effective Date is after the later of the disbursement, note, or transaction date. | Reviewer Comment (2026-07-29): Received PCCD confirming the
Disbursement Date as XXXX and the Hazard Insurance Effective Date XXXX, which
is prior to the disbursement date. Exception cleared. Seller Comment (2026-07-28): Comment from XXXX (XXXX): Hello, Please see attached |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000136884 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification is missing. | Reviewer Comment (2026-07-29): Received HOA Verification.
Exception cleared. Seller Comment (2026-07-28): Comment from XXXX (XXXX): Hello, Please see attached |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | B | C | A | B | B | A | A | Non QM | N/A | No | ||||||||||
| XXXXX | 4000140760 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Red flag warning list hit. | - | Reviewer Comment (2026-07-27): Appraiser not on
exclusionary list provided by client. Reviewer Comment (2026-07-23): An exception from the buyer of the loan is needed as this person is on the red flag list. Buyer Comment (2026-07-23): Comment from XXXX (XXXX): see page 289 of your investor package that shows XXXX on the loan safe report already---please clarify what else is needed if this isn't what you are looking for. all alerts on report have been cleared |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000133149 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Insurance Verification is missing. | Reviewer Comment (2026-07-27): Received explanation of
property ownership. Borrower is not owner of the property Seller Comment (2026-07-27): Comment from XXXX (XXXX): The borrower is not the owner of this property per the attached LOE. Documentation was provided (and attached) to support that property is owned by the borrower's father who shares the same name - XXXX. Please note that the signature on the DoT and the father's government issued ID are the same and do not match our borrower's signature. It should also be noted that the Trust holding ownership of the property which was established in XXXX is not the same Trust as our borrower's which was established in XXXX. The taxes and insurance for this property were included in the DTI but our borrower is not responsible for those payments. Even with the inclusion of the payments, the DTI is well below eligibility or pricing adjustments. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133149 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | D0555 Tax Filing Extension for (Personal) and D0899 Tax Return Extension (Business) for 2025 in file. | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133149 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | D0555 Tax Filing Extension for (Personal) and D0899 Tax Return Extension (Business) for 2025 in file. | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133149 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided | Please provide CPA Letter confirming that the withdrawal of business funds for this transaction will not have a negative impact on the business. Acct #XXXX. | Reviewer Comment (2026-07-27): Assets from XXXX are not required for closing/reserves Buyer Comment (2026-07-27): Comment from XXXX (XXXX): This account was not used for XXXX or required to meet reserve requirements. The borrower has over $XXXX documented in personal accounts with XXXX, XXXX, XXXX, XXXX, and XXXX (personal) which is well over the approximate $XXXX needed for reserves. The business account xxXXXXcan be disregarded. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000135220 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | WA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000138511 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in file). | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000138511 | XXXXX | XXXXX | 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. | Receipt of Appraisal is not found in the file. | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000134743 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Note Addendum - Prepayment was not found in file. | Reviewer Comment (2026-07-29): Received Note Addendum -
Prepayment. Exception cleared. Seller Comment (2026-07-28): Comment from XXXX (XXXX ): PPP ADDENDUM |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | A | A | N/A | N/A | Yes | |||||||||||
| XXXXX | 4000140278 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Qualifying assets for closing of $XXXX is less than cash from borrower of $XXXX. | Reviewer Comment (2026-07-24): Received, Clearing. Seller Comment (2026-07-24): Comment from XXXX (XXXX ): Total CTC required to close include: Cash to closed from HUD ($XXXX ) which already included XXXX month required reserve of $XXXX + EMD ($XXXX ) = $XXXX . The assets verified from borrower include: borrower's XXXX account balance ($XXXX ) + EMD ($XXXX ) + POC item ($XXXX ) = $XXXX . This amount is more than the required $XXXX . |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000139558 | XXXXX | XXXXX | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Reviewer Comment (2026-07-23): Lease agreements recieved Seller Comment (2026-07-23): Comment from XXXX (XXXX ): Lease Agreement |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000140601 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Require Signed Closing Statement. | Reviewer Comment (2026-07-23): Received, Clearing. Seller Comment (2026-07-23): Comment from XXXX XXXX ): Final HUD uploaded, originally uploaded w/credit pkg |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000140601 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. | Reviewer Comment (2026-07-23): Received updated insurance
policy effective XXXX Reviewer Comment (2026-07-23): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Hazard Insurance Policy Effective Date XXXX , Disbursement Date: XXXX Seller Comment (2026-07-23): Comment from XXXX (XXXX): HOI updated date |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000138716 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-24): Accepted as is. |
07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000138453 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-07-24): Clearing based on review
coming back within tolerances. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000137469 | XXXXX | XXXXX | 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 (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137469 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. | Available for reserves of $XXXX is less than guideline available for reserves of $XXXX. | Reviewer Comment (2026-07-24): Received POCB Appraisal
Invoice of $XXXX . Assets available for reserves is sufficient to meet
guidelines reserves requirement. Exception cleared. Seller Comment (2026-07-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000137469 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of XXXX does not match Due Diligence Loan Designation of XXXX. | Originator loan designation of XXXX does not match due diligence loan designation of XXXX. | Reviewer Comment (2026-07-24): Received POCB Appraisal
Invoice of $XXXX . Assets available for reserves is sufficient to meet
guidelines reserves requirement. Exception cleared. Seller Comment (2026-07-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
07/24/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 4000137469 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General Ability to Repay Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay is deficient due to short reserves. | Reviewer Comment (2026-07-24): Received POCB Appraisal
Invoice of $XXXX . Assets available for reserves is sufficient to meet
guidelines reserves requirement. Exception cleared. Seller Comment (2026-07-23): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000139553 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Evidence of title is missing. | Reviewer Comment (2026-07-24): Received, Clearing. Seller Comment (2026-07-24): Comment from XXXX (XXXX ): TITLE REPORT PLEASE SEE ATTACHED :) THANKS |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136124 | XXXXX | XXXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $XXXX is less than the note amount of $XXXX based on the Preliminary Title Commitment in file. | Reviewer Comment (2026-07-24): Accepted as is. |
07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| XXXXX | 4000136541 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
Reviewer Comment (2026-07-24): Accepted as is. |
07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000136462 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. | Reviewer Comment (2026-07-24): Accepted as is. |
07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | TX | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000001019 | XXXXX | XXXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. | Rent Loss coverage is not specified on the Insurance
policy. Rent loss insurance for the subject property is required and must equal at least six (6) months of local average monthly rents, per guidelines. |
Reviewer Comment (2026-07-27): Rent Loss Coverage provided.
Cleared. Reviewer Comment (2026-07-24): Same as prior, No Rent Loss coverage is listed on the policy provided. Exception remains. Reviewer Comment (2026-07-24): No Rent Loss coverage is listed on the policy provided. |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000001060 | XXXXX | XXXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-07-23): Received, Clearing. |
07/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000001060 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal delivered to borrower was not provided. | Reviewer Comment (2026-07-23): Accepted as is. |
07/23/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000001060 | XXXXX | XXXXX | 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 Desk Review Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000001060 | XXXXX | XXXXX | 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 Management Company (Service Fee). Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-23): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000138548 | XXXXX | XXXXX | 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. (Type:Primary/XXXX) | Reviewer Comment (2026-07-24): Accepted as is. |
07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000138548 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of XXXX% or Final Disclosure APR of XXXX% is equal to or greater than the threshold of APOR XXXX% + XXXX%, or XXXX%. Non-Compliant Higher Priced Mortgage Loan. | Federal Non-Compliant Higher Priced Mortgage Loan. | Reviewer Comment (2026-07-24): Received, Clearing. Seller Comment (2026-07-24): Comment from XXXX (XXXX): Hello, XXXX is open on Saturdays per the attached google listing. If counting Saturdays, 3 business days from the Note date is XXXX . Thank you. Reviewer Comment (2026-07-24): The note date less 3 business days is XXXX , and the appraisal was provided to the borrower on XXXX which does not meet the 3 day rule. Exception remains. Seller Comment (2026-07-24): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000138548 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-07-24): Received, Clearing. Seller Comment (2026-07-24): Comment from XXXX (XXXX): Hello, XXXX is open on Saturdays per the attached google listing. If counting Saturdays, 3 business days from the Note date is XXXX . Thank you. Reviewer Comment (2026-07-24): The note date less 3 business days is XXXX , and the appraisal was provided to the borrower on XXXX which does not meet the 3 day rule. Exception remains. Seller Comment (2026-07-24): Comment from XXXX (XXXX): Hello, please see attached, thank you. |
07/24/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000138548 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-07-24): Accepted as is. |
07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000136021 | XXXXX | XXXXX | 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 (2026-07-24): Accepted as is. |
07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000135309 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of XXXX is less than guideline PITIA months reserves of XXXX due to assets missing in file. | Reviewer Comment (2026-07-28): Received Asset
Documentation. Exception cleared. Seller Comment (2026-07-28): Comment from XXXX (XXXX ): Bank Statement |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135309 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Due to missing asset documents in file, available for closing is insufficient to cover cash from borrower. | Reviewer Comment (2026-07-28): Received Asset
Documentation. Exception cleared. Seller Comment (2026-07-28): Comment from XXXX (XXXX ): Bank Statement |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000135309 | XXXXX | XXXXX | Credit | Asset | Asset Documentation | Asset | Missing Document: Asset Documentation not provided | Asset statements required to meet cash to close were not found in file. | Reviewer Comment (2026-07-28): Received Asset
Documentation. Exception cleared. Seller Comment (2026-07-28): Comment from XXXX (XXXX ): assets |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000138552 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Reviewer Comment (2026-07-24): Accepted as is. |
07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000138552 | XXXXX | XXXXX | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. | Reviewer Comment (2026-07-24): Accepted as is. |
07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000138430 | XXXXX | XXXXX | 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 (2026-07-24): Accepted as is. |
07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000133525 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for LTV of XXXX%. Comp Factors DSCR above XXXX and XXXX months of reserves. | Borrower has owned the subject property for at least 5
years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |
SitusAMC SitusAMC |
Reviewer Comment (2026-07-24): Client elects to
waive/regrade with compensating factors. |
07/24/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | WA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||
| XXXXX | 4000137744 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-07-24): Accepted as is. |
07/24/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | MD | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000140534 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing Operating agreement for XXXX. | Reviewer Comment (2026-07-29): Received bylaws for XXXX Seller Comment (2026-07-29): Comment from XXXX (XXXX ): XXXX is a XXXX we would not have the standard operating agreement but rather the bylaws that would be used in its place. Reuploaded |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000140534 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | 1031 Exchange agreement is missing. | Reviewer Comment (2026-07-29): Received 1031 exchange Seller Comment (2026-07-29): Comment from XXXX (XXXX ): Reuploaded regarding the 1031 exchange and that show borrower as sole member/owner/operator ofXXXX as well as XXXX which does have the XXXX included |
07/29/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NH | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000138020 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Reviewer Comment (2026-07-28): Received, Clearing. Seller Comment (2026-07-28): Comment from XXXX (XXXX ): Operating Agreement |
07/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000138020 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | Operating agreement or Corporate Resolution is missing. | Reviewer Comment (2026-07-27): Cleared Operating agreement
received Seller Comment (2026-07-27): Comment from XXXX (XXXX ): Operating Agreement for XXXX |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000138020 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Missing Document: Employment Income Documentation not provided | Missing EIN. | Reviewer Comment (2026-07-27): Cleared- EIN received Seller Comment (2026-07-27): Comment from XXXX (XXXX ): EIN # |
07/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000863 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Rent loss insurance is required and must equal 6 months of rental income. | Reviewer Comment (2026-07-30): Rent Loss Policy provided.
Cleared. |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000001066 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-27): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000001066 | XXXXX | XXXXX | 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 Tax Service Fee (Life Of Loan). Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-27): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000001066 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | D2184 Appraisal sent and downloaded on XXXX. | Reviewer Comment (2026-07-27): Client elects to waive |
07/27/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000001142 | XXXXX | XXXXX | 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 Tax Service Fee (Life Of Loan). Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | TN | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000001142 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Departing Residence Obligation can be excluded as per guidelines. If the property has sold please provide a closing statement. Otherwise, please submit a purchase agreement/sales contract or signed letter of intent from the borrower indicating they intend to list the departure residence for sale within ninety (90) days of closing. Additionally, insurance documentation is required if the property has not been sold. | Reviewer Comment (2026-08-04): Received, Clearing. Buyer Comment (2026-08-03): The Listing and the Insurance have been uploaded. LOE is not needed. Reviewer Comment (2026-07-30): Only the HOA amount has been received. Since the property is intended for sale, the LOE and insurance document are required. Exception remains. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000001053 | XXXXX | XXXXX | 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 (2026-07-29): Accepted as is. |
07/29/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NV | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000001053 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 2000001053 | XXXXX | XXXXX | 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 Tax Service Fee (Life Of Loan). Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-07-28): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | ||||||||||
| XXXXX | 4000140555 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease Agreement is missing. | Reviewer Comment (2026-07-30): Lease Agreement provided.
Cleared. Seller Comment (2026-07-30): Comment from XXXX (XXXX ): lease agreement |
07/30/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000140555 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Reviewer Comment (2026-08-05): Reserves not required for
rate/term loan amounts under $XXXX
XXXX , cleared Seller Comment (2026-08-05): Comment from XXXX (XXXX ): Please pushback on this one, this loan is a no-cash refi with a loan amount of XXXX , no reserves are required per our guidelines/matrix Reviewer Comment (2026-07-31): Reserves must meet buyers hard locking requirements which is 3 months reserves. The loan was locked with 6 months, however only XXXX months was verified Buyer Comment (2026-07-31): Comment from XXXX (XXXX ): this loan is a no-cash refi with a loan amount of XXXX , no reserves are required per our guidelines/matrix |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OK | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000001079 | XXXXX | XXXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification, statement, and tax verification for new loan are missing for REO 6166 S Netherland Circle. | Reviewer Comment (2026-07-31): Received Note. Exception
cleared. Buyer Comment (2026-07-31): Note Reviewer Comment (2026-07-30): Received Insurance and Tax Verification. Please provide Note or First Payment Letter or Closing Disclosure to verify P&I for the property XXXX , XXXX , XXXX . Exception remains. |
07/31/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 4000137124 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided | Donor check or evidence of source not provided for gift of $XXXX. | Reviewer Comment (2026-08-03): Received Donor withdrawal
Slips. Exception cleared. Seller Comment (2026-08-01): Comment from XXXX (XXXX ): Assets-Gift Letter Source of Funds showing the gifts in accounts |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000137124 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Reviewer Comment (2026-07-31): Accepted as is. |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Rate/Term | C | B | C | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000000921 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Business Purpose Certificate was not found in file. | Reviewer Comment (2026-08-03): Received Business Purpose
Certificate. Exception cleared. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000921 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Cash-Out Utilization was not found in file. | Reviewer Comment (2026-08-03): Received Business Purpose
Certificate. Exception cleared. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000921 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final and signed HUD/Closing Disclosure was not found in file. | Reviewer Comment (2026-08-03): Received Closing Statement.
Exception cleared. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000921 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: Occupancy Certificate not provided | Occupancy Certificate was not found in file. | Reviewer Comment (2026-08-03): Received Occupancy
Certificate. Exception cleared. |
08/03/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000000921 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in file for exception to use three months bank statements to calculate rental income in lieu of leases. Units have been rented for 20 years, and leases are not present in 3 of the units. A fourth lease has been provided. | Borrower's monthly reserves have been verified and exceed
the amount required based on the guidelines by at least 4 months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-31): Client elected to
waive/regrade with compensating factors.
Lender exception provided. |
07/31/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 2000001132 | XXXXX | XXXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived the right to receive a copy of the appraisal at least three (3) business days prior to closing, and the appraisal was not provided at or before closing. | Reviewer Comment (2026-07-31): Client elects to waive |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000001132 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-31): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000001132 | XXXXX | XXXXX | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-07-31): Sufficient Cure Provided At
Closing |
XXXXX | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||
| XXXXX | 2000000830 | XXXXX | XXXXX | 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 (2026-07-31): Client elects to waive |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | B | B | B | B | A | A | Non QM | Non QM | No | ||||||||||
| XXXXX | 2000000830 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception request to use depletion + distributions of IRA (36 months) and use asset balance of IRA to meet asset balance requirement. We are short $XXXX of the required $XXXX balance requirement the depletion requires. | Borrower has verified disposable income of at least
$2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-07-31): Lender exception approved |
07/31/2026 | 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 | Non QM | Non QM | No | |||||||||
| XXXXX | 2000001125 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-07-31): Client elects to waive |
07/31/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 2000001010 | XXXXX | XXXXX | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. | - | Reviewer Comment (2026-08-05): Required in Community
Property States when loan is signed with a Personal Guaranty and Spouse is
not included on the loan Reviewer Comment (2026-08-05): Spousal Consent as the property is located in a community property state. Buyer Comment (2026-08-04): What is the consent for? |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 2000001010 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Missing verification of borrower deposits listed on the CD | Reviewer Comment (2026-08-05): Sufficient reserves verified
on file Reviewer Comment (2026-08-05): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Calculated PITIA months reserves of XXXX is less than Guideline PITIA months reserves of XXXX . |
08/05/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000140565 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-08-04): Clearing based on review
coming back within tolerances. |
08/04/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000140909 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-08-10): Clearing based on review
coming back within tolerances. |
08/10/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 6000131946 | XXXXX | XXXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-07-10): Secondary valuation is not
required as Collateral Underwriter Score is 1.1. Exception cleared. Buyer Comment (2026-07-08): Please see attached |
07/10/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | OR | Investment | Refinance - Cash-out - Other | D | A | A | A | D | A | N/A | No | |||||||||||||||
| XXXXX | 6000131955 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Missing Final HUD/Closing Disclosure in the Loan file. | Reviewer Comment (2026-07-16): Received final HUD-1.
Exception cleared. Buyer Comment (2026-07-14): Final SS |
07/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131923 | XXXXX | XXXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | The representative FICO score exceeds the guideline minimum by at least 40 points. | SitusAMC | Reviewer Comment (2026-07-10): Waived with compensating
factors per lender request. Buyer Comment (2026-07-10): Please waive. |
07/10/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||
| XXXXX | 6000131905 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided | Closing protection letter is missing in the file. | Reviewer Comment (2026-07-20): Received Closing Protection
Letter. Exception cleared. Buyer Comment (2026-07-16): Please see attached CPL |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131905 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | Final HUD/Closing Disclosure is missing in the file. | Reviewer Comment (2026-07-20): Received Final Closing
Statement. Transaction details section revalidated. Exception cleared. Buyer Comment (2026-07-16): Please see attached Final SS |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131905 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Title Preliminary not provided | The file is missing a copy of the final title policy. | Reviewer Comment (2026-07-20): Received Title Commitment.
Exception cleared. Buyer Comment (2026-07-16): Please see attached Prelim |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131905 | XXXXX | XXXXX | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | The file was missing the final title policy. | Reviewer Comment (2026-07-20): Received Title Commitment.
Exception cleared. Buyer Comment (2026-07-16): Please see trailing doc - Prelim |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131905 | XXXXX | XXXXX | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | The file was missing the final title policy. | Reviewer Comment (2026-07-20): Received Title Commitment.
Exception cleared. Buyer Comment (2026-07-16): Please see trailing doc - Prelim |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131905 | XXXXX | XXXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | Missing final closing statement. | Reviewer Comment (2026-07-20): Received Closing Statement.
Transaction details section revalidated. Exception cleared. Buyer Comment (2026-07-16): Please see trailing doc - Final SS |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131905 | XXXXX | XXXXX | Credit | Guideline | Guideline Issue | Guideline | Ineligible borrower per guidelines. | Per guidelines, borrowers living rent-free are not permitted. Per LOE in file, borrower residence in ex-spouse's property, which does not meet guideline requirements. | Reviewer Comment (2026-07-20): Received 1008 with
Underwriter discretion. Exception cleared. Buyer Comment (2026-07-16): 1008 with UW rent free commentary. Thank you. Buyer Comment (2026-07-16): Please see guideline attached for XXXX Buyer Comment (2026-07-16): Please see documents attached. Thank you. |
07/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 6000131905 | XXXXX | XXXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Bank statements showing sufficient funds, or documentation evidencing the source/proof of payment for the appraisal invoice $XXXX, are required to satisfy the requirement. | Reviewer Comment (2026-07-20): Received appraisal invoice
reflecting paid outside of closing. Buyer Comment (2026-07-20): Please see appraisal invoice attached. Thank you. Reviewer Comment (2026-07-20): This is not in relation to reserves. Final settlement statement reflects cash to borrower; however, it also reflects the $XXXX appraisal fee paid outside of closing by borrower, which must be documented. Buyer Comment (2026-07-20): Please note XXXX document # XXXX reflects cash back to Borrower of $XXXX & per XXXX guidelines no reserves for loan amounts under $XXXX million. Thank you. |
07/20/2026 | No | 1 | A | A | A | A | A | TX | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||||
| XXXXX | 6000131941 | XXXXX | XXXXX | Credit | Borrower and Mortgage Eligibility | Credit Eligibility | Borrower and Mortgage Eligibility | Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis. Confirm residency requirements with Investor Guidelines. | - | EAD card was not found in file. | Reviewer Comment (2026-07-17): Received form XXXX showing
immigration status. Exception Cleared. Buyer Comment (2026-07-15): Please see attached |
07/17/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||
| XXXXX | 6000131941 | XXXXX | XXXXX | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Reviewer Comment (2026-07-17): Received form XXXX showing
immigration status. Exception Cleared. Buyer Comment (2026-07-15): Please see attached |
07/17/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000142911 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Credit | Loan Selected for Enhanced Valuation Review | Reviewer Comment (2026-08-18): Cleared based on review
coming back within tolerances |
08/18/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||
| XXXXX | 4000139774 | XXXXX | XXXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for 1x30 mortgage late in past 12 months. Compensating factors include XXXX% LTV versus XXXX% maximum LTV, XXXX% DSCR versus XXXX% minimum DSCR. Oldest tradeline: XXXX. 20 years at primary residence. Borrower willing to make XXXX mortgage payment prior to closing. Derogatory mortgage LOX in file. | Reviewer Comment (2026-08-13): Borrower made XXXX payment
is now due for XXXX. No longer XXXX Seller Comment (2026-08-13): Comment from XXXX (XXXX): Please see attached rebuttal from XXXX. The lender exception was not used. |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000139774 | XXXXX | XXXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | LOE for mortgage late was required per lender exception, and was not provided in file. | Reviewer Comment (2026-08-13): Borrower made XXXX payment
is now due for XXXX. No longer XXXX Buyer Comment (2026-08-13): Comment from XXXX (XXXX): see attached LOE for mortgage late |
08/13/2026 | No | 1 | C | A | C | A | C | A | C | A | D | A | CT | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | ||||||||||||||
| XXXXX | 4000140823 | XXXXX | XXXXX | 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. | Reviewer Comment (2026-08-19): Client elects to waive |
08/19/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | B | B | A | A | B | B | A | A | Non QM | Non QM | No | |||||||||||
| XXXXX | 4000134456 | XXXXX | XXXXX | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | File is missing 12 month pay history for subject property. The statements provided in the file do not reflect the previous payment date, only the next date and amount due. A complete history, reflecting date payments were made, will be required for review. | The representative FICO score exceeds the guideline minimum
by at least 40 points. The qualifying DSCR on the loan is greater than the guideline minimum. |
Guidelines Representative FICO: 700 Representative FICO: XXXX The DSCR of XXXX is greater than the minimum required DSCR of 1.00. |
Originator,SitusAMC SitusAMC,Originator |
Reviewer Comment (2026-07-13): Waived with compensating
factors per lender approved exception received in trailing doucments. Buyer Comment (2026-07-13): exception |
07/13/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | FL | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No |