Exhibit 99.05 Schedule 1
| Loan ID | Customer Loan ID | Seller Loan ID | Note Date | Original Loan Amount | Last Name | Property State | Occupancy | Purpose | Originator QM Status | TPR QM Status | Exception ID | Exception Number | Exception Date | Exception Type | Exception Subcategory | Exception | Exception Remedy | Rebuttal | TPR Response | Compensating Factors | Status Update Date | Finding Status | Initial Exception Grade | Final Exception Grade | Initial Loan Grade | Final Loan Grade |
| 4000115913 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 7 | xx/xx/xxxx | Compliance | 1-4 Family Rider is Missing | The file is missing the 1-4 Family Rider. Please provide the 1-4
Family Rider or the Assignment of Rents |
DEED WITH RIDER - xx/xx/xxxx |
Received recorded DOT with all riders - xx/xx/xxxx DEED WITH RIDER - xx/xx/xxxx |
2026-03-12 15:53 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000131103 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 10 | xx/xx/xxxx | Compliance | 1-4 Family Rider is Missing | The file is missing the 1-4 Family Rider. The loan file is
missing the 1-4 Family rider. |
The 1-4 Family Rider is Present - xx/xx/xxxx |
2026-06-24 19:17 | Resolved | 3 | 1 | 4 | 1 | |||||
| 4000134956 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 6 | xx/xx/xxxx | Compliance | 1-4 Family Rider is Missing | The file is missing the 1-4 Family Rider. DSCR loan and the 1-4
Family Rider is not in the file. |
DOT, PUD and 1-4 provided - xx/xx/xxxx deed - xx/xx/xxxx |
The 1-4 Family Rider is Present - xx/xx/xxxx DOT, PUD and 1-4 provided - xx/xx/xxxx deed - xx/xx/xxxx |
2026-09-23 17:33 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000133753 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | All Interested Parties Not Checked with Exclusionary Lists | All interested parties not checked with exclusionary lists.
Document Uploaded. Exclusionary and exposure lists provided |
All Interested Parties Checked against Exclusionary Lists -
xx/xx/xxxx |
2026-07-06 12:27 | Resolved | 3 | 1 | 3 | 1 | |||||
| 4000135731 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | All Interested Parties Not Checked with Exclusionary Lists | All interested parties not checked with exclusionary lists. File
contains a xxxxxx Person Report;
however, that report does not contain evidence that all parties to the
transaction have been checked with exclusionary lists. |
Informational - xx/xx/xxxx |
2026-07-06 17:12 | Cleared | 3 | 1 | 3 | 1 | |||||
| 4000139198 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Appraisal - Borrower Info | The borrower's name on the appraisal does not match other loan
file documentation. The borrower's name is xxxxxx . However, the appraisal
lists the real estate broker, xxxxxx , as the borrower. |
corrected appraisal - xx/xx/xxxx |
Updated 1004, FNMA CU and FHLMC UCDP provided - xx/xx/xxxx corrected appraisal - xx/xx/xxxx |
2026-07-27 13:06 | Resolved | 2 | 1 | 2 | 1 | ||||
| 4000132711 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Property | Appraisal - Incomplete | The appraisal provided was incomplete. The Auditor was unable to
review the entire appraisal report. Appraisal pages 14-35 blank. Missing
photos, etc to make complete appraisal |
Re-uploaded appraisal attached.
For whatever reason the format used by the appraiser, certain pages
only show the content at a certain zoom in/out level. If pages are appearing blank, please try
zooming in or out. Sorry for any
inconvenience. - xx/xx/xxxx |
Complete Appraisal provided.
Condition resolved. - xx/xx/xxxx Re-uploaded appraisal attached. For whatever reason the format used by the appraiser, certain pages only show the content at a certain zoom in/out level. If pages are appearing blank, please try zooming in or out. Sorry for any inconvenience. - xx/xx/xxxx |
2026-06-18 14:23 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132761 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Property | Appraisal - Incomplete | The appraisal provided was incomplete. The Auditor was unable to
review the entire appraisal report. Appraisal in file missing pages and cut
off. Appraisal require full color photos, appraisal in file photos black
& white. |
See attached -
xx/xx/xxxx |
Complete Color Appraisal provided. Condition resolved. -
xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-01 20:43 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000133344 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Appraisal - Miscellaneous | The subject appraisal reflected issues. Appraisal in file does
not have clear descriptive color photos as mandatory for standard residential
mortgage loans. Provide appraisal with the color photos meeting standard
appraisal guidelines. |
color appraisal - xx/xx/xxxx colored appraisal - xx/xx/xxxx |
Complete Color Appraisal provided. Condition resolved. -
xx/xx/xxxx color appraisal - xx/xx/xxxx Condition upheld. No documents were uploaded. - xx/xx/xxxx colored appraisal - xx/xx/xxxx |
2026-07-01 20:52 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134391 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Appraisal - Miscellaneous | The subject appraisal reflected issues. Lender to clarify the
project classification. The appraisal reflects a PUD; however, the insurance
provided is an HO-6 policy with a master condominium policy. Please confirm
the correct project type and verify that the insurance coverage is
appropriate. |
Hi Team, The subject is an attached PUD and the HOA Master
POLICY covers the Units and the common areas, but the only has walls in
coverage up to the builders original model.
The H06 is provided to cover the subjects betterments and
improvements. - xx/xx/xxxx |
Explanation provided.
Condition resolved. - xx/xx/xxxx Hi Team, The subject is an attached PUD and the HOA Master POLICY covers the Units and the common areas, but the only has walls in coverage up to the builders original model. The H06 is provided to cover the subjects betterments and improvements. - xx/xx/xxxx |
2026-07-02 13:07 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000138626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Appraisal - Other | There are additional appraisal findings. Missing TPV |
CDA - xx/xx/xxxx |
CDA provided - xx/xx/xxxx CDA - xx/xx/xxxx |
2026-07-23 16:42 | Resolved | 2 | 1 | 3 | 1 | ||||
| 4000131140 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Appraisal - Photos Missing | The loan file did not contain appraisal photos as required. The
loan file does contain photos; However, they are in black and white and
blurry. Unable to verify if there is any damage. |
Appraisal - xx/xx/xxxx |
Complete colored appraisal was provided. Condition resolved. - xx/xx/xxxx Appraisal - xx/xx/xxxx |
2026-07-02 13:20 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137019 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Appraisal - Photos Missing | The loan file did not contain appraisal photos as required. Both
required appraisal do not meet guideline requirements. Appraisal provided
should have clear interior and exterior color photos. The photos on both
appraisals are black and white. The color photos could not be found in the
loan documents, which are required. |
Informational - xx/xx/xxxx |
2026-07-23 17:14 | Cleared | 3 | 1 | 3 | 1 | |||||
| 4000128090 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Appraisal is Missing | The file is missing the appraisal. |
APPRAISAL - xx/xx/xxxx as per our underwriter We provided full 1004 (full appraisal) which includes photos and analysis of interior. can you please specify what are you looking for Can you also please provide the exterior only if you have. - xx/xx/xxxx appraisal - xx/xx/xxxx |
Full Appraisal provided.
Condition resolved. - xx/xx/xxxx Appraisal is Present or is Waived - xx/xx/xxxx APPRAISAL - xx/xx/xxxx Please see bottom pg 1 of the appraisal you uploaded, it states an interior inspection was not completed. - xx/xx/xxxx as per our underwriter We provided full 1004 (full appraisal) which includes photos and analysis of interior. can you please specify what are you looking for Can you also please provide the exterior only if you have. - xx/xx/xxxx A full interior and exterior Appraisal is missing from the loan file. The 1004 Appraisal in file is an Exterior Only review. The Appraiser even states on page 1: The appraisal report is not a home inspection report and an Interior Inspection was not completed. Provide and a Full 1004 Interior/Exterior with 1007 Appraisal as required per Guidelines. - xx/xx/xxxx appraisal - xx/xx/xxxx |
2026-06-29 15:04 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000128890 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Appraisal is Missing | The file is missing the appraisal. The loan file is missing the
Third-party valuation. |
CDA provided that supports value. - xx/xx/xxxx CDA value $xxxxxx, Appraisal value $xxxxxx, - xx/xx/xxxx |
Appraisal is Present or is Waived - xx/xx/xxxx CDA provided that supports value. - xx/xx/xxxx CDA value $xxxxxx, Appraisal value $xxxxxx, - xx/xx/xxxx |
2026-07-27 16:02 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000130998 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 11 of 11 | xx/xx/xxxx | Property | Appraisal is Missing | The file is missing the appraisal. |
appraisal - xx/xx/xxxx |
Appraisal provided.
Condition resolved. - xx/xx/xxxx Appraisal is Present or is Waived - xx/xx/xxxx appraisal - xx/xx/xxxx |
2026-07-02 15:16 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000133210 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Appraisal is Missing | The file is missing the appraisal. |
Appr - xx/xx/xxxx |
Appraisal is Present or is Waived - xx/xx/xxxx Appr - xx/xx/xxxx |
2026-07-24 15:57 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000134559 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 6 of 6 | xx/xx/xxxx | Property | Appraisal is Missing | The file is missing the appraisal. |
Document Uploaded. Appraisal provided - xx/xx/xxxx |
Appraisal is Present or is Waived - xx/xx/xxxx Document Uploaded. Appraisal provided - xx/xx/xxxx |
2026-09-02 18:50 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000135918 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Appraisal is Missing | The file is missing the appraisal. Per the Linder guidelines
v1.1 dated xx/xx/xxxx - 10.5.1 Appraisals - A 2nd Appraisal is required in
instances where the Allocated Loan Amount > $xxxxxx, The loan file
contains a primary appraisal; however, due to the loan amount being over
$xxxxxx a second full appraisal is
required. |
Appraisal #2 - xx/xx/xxxx |
2nd Appraisal provided supporting value. Condition resolved -
xx/xx/xxxx Appraisal is Present or is Waived - xx/xx/xxxx Appraisal #2 - xx/xx/xxxx |
2026-07-13 21:15 | Resolved | 4 | 1 | 4 | 2 | ||||
| 4000141908 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Appraisal is Missing | The file is missing the appraisal. Missing Third party valuation
|
CDA value $xxxxxx .
Appraisal value $xxxxxx -
xx/xx/xxxx |
CDA supporting value was provided. Condition resolved. - xx/xx/xxxx Appraisal is Present or is Waived - xx/xx/xxxx CDA value $xxxxxx . Appraisal value $xxxxxx - xx/xx/xxxx |
2026-08-14 17:44 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000143096 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Appraisal is Missing | The file is missing the appraisal. Guidelines require all loans
to have a second appraisal, xxxxxx , xxxxxx or equivalent product or field
review evidencing a reasonable appraisal value. |
CDA value $xxxxxx
Appraisal value $xxxxxx - xx/xx/xxxx |
CDA supporting value was provided. Condition resolved. - xx/xx/xxxx Appraisal is Present or is Waived - xx/xx/xxxx CDA value $xxxxxx Appraisal value $xxxxxx - xx/xx/xxxx |
2026-08-12 19:53 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000119860 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | Approval - Lender Income Calculation Missing | The loan file did not contain the lender income calculation
worksheet as required. Lender to provide the UW income calculation worksheet |
income calc - xx/xx/xxxx 1008 - xx/xx/xxxx |
Asset Depletion Worksheet provided. Condition resolved. - xx/xx/xxxx income calc - xx/xx/xxxx Condition upheld. The 1008 was provided and is the loan file. The loan file is missing the Asset Depletion Calculation Worksheet. - xx/xx/xxxx 1008 - xx/xx/xxxx |
2026-05-19 19:51 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130667 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. The
Loan Approval and the 1008 show the debt ratio is xxxxxx% when guideline
maximum for xxxxxx program is 55%. |
see attached - xx/xx/xxxx |
Loan Approval was provided.
Condition resolved. - xx/xx/xxxx Approval/Underwriting Summary is fully present - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-16 19:20 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132007 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 9 | xx/xx/xxxx | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. The
loan file is missing the 1008/AUS Approval.
|
1008 - xx/xx/xxxx |
1008 provided. Condition
resolved. - xx/xx/xxxx Approval/Underwriting Summary is fully present - xx/xx/xxxx 1008 - xx/xx/xxxx |
2026-06-17 18:14 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 14 | xx/xx/xxxx | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. File
is missing the 1008. |
1008 - xx/xx/xxxx |
1008 was provided.
Condition resolved. - xx/xx/xxxx 1008 - xx/xx/xxxx |
2026-06-23 14:58 | Resolved | 1 | 1 | 3 | 1 | ||||
| 4000139413 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary.
Missing evidence of Approval/Underwriting Summary. |
1008 Provided - xx/xx/xxxx 1008 - xx/xx/xxxx |
Approval/Underwriting Summary is fully present - xx/xx/xxxx 1008 Provided - xx/xx/xxxx 1008 - xx/xx/xxxx |
2026-07-28 13:30 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000135731 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset does not meet G/L Requirements. Guidelines require full
asset documentation consisting of the most recent 1-month statement. The file
contains only a screen print of xxxxxx checking #xxxxxx which reflects 2
transactions covering a 1-day period.
|
Asset Record 1 Meets G/L Requirements - xx/xx/xxxx |
2026-07-06 17:24 | Resolved | 3 | 1 | 3 | 1 | |||||
| 4000133984 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 7 | xx/xx/xxxx | Credit | Asset 1 Missing | Asset documentation is missing from the file. Lender to provide
the asset statement from xxxxxx that was used in the loan approval |
xxxxxx STATEMENT - xx/xx/xxxx |
Asset statement provided.
Condition resolved. - xx/xx/xxxx Asset 1 Provided - xx/xx/xxxx xxxxxx STATEMENT - xx/xx/xxxx |
2026-07-15 17:18 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133984 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 7 | xx/xx/xxxx | Credit | Asset 2 Missing | Asset documentation is missing from the file. Please provide the
xxxxxx statement that was used in the approval. |
xxxxxx STATEMENT -
xx/xx/xxxx |
Asset statement provided.
Condition resolved. - xx/xx/xxxx Asset 2 Provided Or Not Applicable - xx/xx/xxxx xxxxxx STATEMENT - xx/xx/xxxx |
2026-07-15 17:18 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136734 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Asset 3 Does Not Meet Guideline Requirements | Asset does not meet G/L Requirements. Only the first 2 pages of
the investment statment for xxxxxx (xxxxxx)) are provided. The full
investement statement with all pages is required. |
Complete statements provided.
- xx/xx/xxxx Supporting Docs - xx/xx/xxxx |
Asset Record 3 Meets G/L Requirements Or Not Applicable -
xx/xx/xxxx Complete statements provided. - xx/xx/xxxx Supporting Docs - xx/xx/xxxx |
2026-07-27 12:14 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000129778 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Asset 4 Missing | Asset documentation is missing from the file. Please provide
documentation of the secured funds for $xxxxxx to along with documentation to
support the payment of $xxxxxx |
Bridge loan documents provided.
- xx/xx/xxxx Note and final CD from bridge loan - xx/xx/xxxx Please confirm which asset this is referring to - xx/xx/xxxx |
Asset 4 Provided Or Not Applicable - xx/xx/xxxx Bridge loan documents provided. - xx/xx/xxxx Note and final CD from bridge loan - xx/xx/xxxx Condition upheld. Bridge Loan. - xx/xx/xxxx Please confirm which asset this is referring to - xx/xx/xxxx |
2026-07-08 21:14 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130998 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 11 | xx/xx/xxxx | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification does not meet guideline requirements.
Missing all bank statements forxxxxxxassets 1-6 listed on final 1003 |
combined statement - xx/xx/xxxx |
Combined Asset statement provided. Condition resolved. - xx/xx/xxxx Asset Qualification Meets Guideline Requirements - xx/xx/xxxx combined statement - xx/xx/xxxx |
2026-06-29 14:13 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000135688 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 8 | xx/xx/xxxx | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification does not meet guideline requirements. Per
the HUD's provided for dates xxxxxx +xxxxxx funds were required for each
property to close. The Fraud Report includes an additional 10 properties with
xxxxxx recording dates ofxxxxxx thru
xxxxxx. The bank statements provided have an end date ofxx/xx/xxxxwith
a funding date ofxx/xx/xxxx - more recent bank statements are needed to
confirm sufficient assets remained to cover the subject transaction. |
statements - xx/xx/xxxx |
Additional Asset Statement and Operating Agreement was
provided. Condition resolved. -
xx/xx/xxxx Asset Qualification Meets Guideline Requirements - xx/xx/xxxx statements - xx/xx/xxxx |
2026-09-22 20:11 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000137328 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 8 of 9 | xx/xx/xxxx | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification does not meet guideline requirements. The
loan was approved using an asset statement, but the account was just opened
xx/xx/xxxx and goes through xx/xx/xxxx. Per guidelines, the most recent
one-month (1) statement is required. Please provide the asset statement that
covers a full 30 days. Asset
Qualification does not meet guideline Requirements |
Bank Statements are not required, this is a DSCR loan and the
LTV on this is loan is 58%. - xx/xx/xxxx |
Asset Qualification Meets Guideline Requirements - xx/xx/xxxx Bank Statements are not required, this is a DSCR loan and the LTV on this is loan is 58%. - xx/xx/xxxx |
2026-07-16 16:20 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137328 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 9 of 9 | xx/xx/xxxx | Credit | Assets - Earnest Money Deposit | The earnest money deposit was not properly documented and/or
sourced. Please provide documentation showing the earnest money deposit has
cleared the borrower's account. Without this documentation, the borrower will
be short on funds to close and reserves. |
This is DSCR loan. There is no source needed. The LTV on this
loan is 58 - xx/xx/xxxx |
EMD Wired to Title. Wire in file and verified. - xx/xx/xxxx This is DSCR loan. There is no source needed. The LTV on this loan is 58 - xx/xx/xxxx |
2026-07-15 16:42 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132633 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | Assets - Insufficient Cash to Close or Reserves | Liquid Funds Post-Close of '$xxxxxx', are less than $0. The
borrower was required to bring $xxxxxx to closing and have 6 months PITIA for
the subject of $xxxxxx and 2 months REO for $xxxxxx. The loan file reflects
total assets of $xxxxxx, the file does contain a Gift letter for $xxxxxx;
however, those funds cannot be verified.
Liquid Funds Post-Close of '$xxxxxx', are less than $0. Borrower(s)
total verified assets are insufficient for cash to close or reserves. Liquid
Funds Post-Close of '$xxxxxx', are less than $0. Per Guidelines: Gift funds are acceptable for loans
>=75% LTV / CLTV however the underlying Borrower(s) must contribute at
least 5% of the transaction (lower of Purchase Price or appraised Value) from
their own funds. Sales Price: $xxxxxx
x 5% = $xxxxxx. Borrower has an EMD
deposit of $xxxxxx |
CD, 1003 1008 gift letter wire, wire transfer recieved. -
xx/xx/xxxx Final CD, Updated 1003, updated 1008, updated gift letter, wire from donor, wire transfer email, wire transfer. please re-review and clear for purchase. thank you - xx/xx/xxxx asset docs uploaded - xx/xx/xxxx |
Liquid Funds Post-Close are greater than or equal to $0. -
xx/xx/xxxx Liquid Funds Post-Close are greater than or equal to $0. Borrower(s) total verified assets are insufficient for cash to close or reserves. - xx/xx/xxxx CD, 1003 1008 gift letter wire, wire transfer recieved. - xx/xx/xxxx Final CD, Updated 1003, updated 1008, updated gift letter, wire from donor, wire transfer email, wire transfer. please re-review and clear for purchase. thank you - xx/xx/xxxx Per Guidelines: Gift funds are acceptable for loans >=75% LTV / CLTV however the underlying Borrower(s) must contribute at least 5% of the transaction (lower of Purchase Price or appraised Value) from their own funds. Sales Price: $xxxxxx x 5% = $xxxxxx. Borrower has an EMD deposit of $xxxxxx - xx/xx/xxxx asset docs uploaded - xx/xx/xxxx |
2026-07-08 21:10 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137328 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 9 | xx/xx/xxxx | Credit | Assets - Insufficient Cash to Close or Reserves | Liquid Funds Post-Close of '$xxxxxx', are less than $0. The loan
was approved using $xxxxxx in business assets. The borrower owns 51% of the
business; therefore, per guidelines, only the borrower's ownership interest
in the business assets may be considered available for the transaction. Based
on the 51% ownership interest, only $xxxxxx is eligible to be used toward
closing. Per the Closing Disclosure, the required cash to close is $xxxxxx ,
and six months of required reserves total $xxxxxx , resulting in a total
asset requirement of $xxxxxx . Please provide documentation demonstrating
that the borrower has sufficient eligible funds to satisfy both the
cash-to-close and reserve requirements. Liquid Funds Post-Close of '$-xxxxxx
', are less than $0. Borrower's ownership in xxxxxx is only 51%, therefore
only 51% of funds in the LLC account were credited to the Borrower. Liquid Funds Post-Close of '$-xxxxxx ', are
less than $0. Borrower(s) total verified assets are insufficient for cash to
close or reserves. |
Document Uploaded. -
xx/xx/xxxx Please access letter attached for Assets. - xx/xx/xxxx Please see attached regarding 3 months of reserves. - xx/xx/xxxx |
Per management, the access letter is sufficient. - xx/xx/xxxx Liquid Funds Post-Close are greater than or equal to $0. - xx/xx/xxxx Liquid Funds Post-Close are greater than or equal to $0. Borrower(s) total verified assets are insufficient for cash to close or reserves. - xx/xx/xxxx Document Uploaded. - xx/xx/xxxx Please access letter attached for Assets. - xx/xx/xxxx Liquid Funds Post-Close of '$-xxxxxx ', are less than $0. Borrower's ownership in xxxxxx is only 51%, therefore only 51% of funds in the LLC account were credited to the Borrower. Liquid Funds Post-Close of '$-xxxxxx ', are less than $0. Borrower(s) total verified assets are insufficient for cash to close or reserves. - xx/xx/xxxx Please see attached regarding 3 months of reserves. - xx/xx/xxxx |
2026-07-16 16:23 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134464 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Assets - LOE Missing | The loan file does not contain all required asset documentation.
The required letter of explanation was not provided in the loan file. The
subject transaction is a cash-out on investment property. Missing the
Business-Purpose LOE for Cash-Out. |
depleted his reserves to expand his business and then got cash
out to replenish. - xx/xx/xxxx |
cash-out letter from borrower provided. Condition resolved. - xx/xx/xxxx depleted his reserves to expand his business and then got cash out to replenish. - xx/xx/xxxx |
2026-07-16 14:53 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134956 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 6 | xx/xx/xxxx | Credit | Assets - LOE Missing | The loan file does not contain all required asset documentation.
The required letter of explanation was not provided in the loan file. Assets
from accounts held with the non-borrowing spouse were used for the subject
transaction. xxxxxx guidelines require
a relationship letter in order to use funds from a non-borrowing spousal
joint account. The letter was not in the file. |
lox - xx/xx/xxxx |
Use of funds LOE provided.
- xx/xx/xxxx lox - xx/xx/xxxx |
2026-07-21 20:41 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000135008 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 7 | xx/xx/xxxx | Credit | Assets - LOE Missing | The loan file does not contain all required asset documentation.
The required letter of explanation was not provided in the loan file. Lender
to provide, per xxxxxx Guidelines section 9.9, an LOE from the borrower
detailing the purpose and use of the proceeds from this Cash Out, missing
from the loan file. |
LOE Cash Out - xx/xx/xxxx |
LOE for cash-out was provided.
Condition resolved. - xx/xx/xxxx LOE Cash Out - xx/xx/xxxx |
2026-06-23 13:16 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000136177 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Assets - Miscellaneous | The loan file does not contain all required asset documentation.
Business assets were used for the subject transaction. xxxxxx guidelines
require a CPA letter verifying that the withdrawal of funds for the
transaction will not have a negative impact on the business. |
provided business narrative on other open condition - that
should clear this cond. as well. -
xx/xx/xxxx |
Business narrative provided, CPA confirmed the withdrawal will
not harm business account. -
xx/xx/xxxx provided business narrative on other open condition - that should clear this cond. as well. - xx/xx/xxxx |
2026-07-08 19:38 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134812 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable income or assets not considered. The audited
debt-to-income (DTI) ratio exceeds guideline requirements due to insufficient
support for Borrower #2's qualifying income. The loan was qualified using
Borrower #2's stated monthly qualifying income of $xxxxxx ; however, the
documentation contained in the loan file supports verified monthly qualifying
income of $xxxxxx , a variance of $xxxxxx . Recalculating the DTI using the
verified qualifying income results in a DTI that exceeds the applicable
program guideline. |
B1 income worksheet, xxxxxx & xxxxxx YE paystub, 1003, 1008
and UW response uploaded for review - xx/xx/xxxx |
Received updated 1008, xxxxxx and xxxxxx year end pay stubs with
income worksheet for B1. Bonus earnings for B1 being used to qualify now,
adjusting DTI to xxxxxx% and within
guideline DTI maximum of 55.0%. -
xx/xx/xxxx B1 income worksheet, xxxxxx & xxxxxx YE paystub, 1003, 1008 and UW response uploaded for review - xx/xx/xxxx |
2026-07-22 00:40 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000128920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. The DTI is over due to the
lender did not add the PITIA for xxxxxx
which had a total payment if $xxxxxx . The Borrower was going to sale
the property; however, decided not to. The loan file contains an LOX
explaining this information. Did allow credit for rental income from the
xxxxxx Tax returns, Schedule E and only used $xxxxxx . |
UW response with PITIA for condition review. Thank you. -
xx/xx/xxxx 20% equity verified and borrower meets terms per GL to omit pending sale departure residence - xx/xx/xxxx Please review uploaded documents for condition and clear loan for purchase. Thank you - xx/xx/xxxx UW Response - attached for condition review - xx/xx/xxxx UW response - xx/xx/xxxx |
Recalculated the rent loss, within GL - xx/xx/xxxx Audited DTI of xxxxxx% is less than or equal to Guideline DTI of 55% - xx/xx/xxxx UW response with PITIA for condition review. Thank you. - xx/xx/xxxx Departing primary residence has always been excluded, the issue is the PITIA for rental propertyxxxxxx which is listed on 1003 as pending sale, GL do not allow for omission of PITIA for non primary residence. The DTI is over due to the lender did not add the PITIA for xxxxxx which had a total payment if $xxxxxx . The Borrower was going to sale the property; however, decided not to. The loan file contains an LOX explaining this information. Did allow credit for rental income from the xxxxxx Tax returns, Schedule E and only used $xxxxxx . adding the negative rental income increased the DTI. - xx/xx/xxxx 20% equity verified and borrower meets terms per GL to omit pending sale departure residence - xx/xx/xxxx Please review uploaded documents for condition and clear loan for purchase. Thank you - xx/xx/xxxx Condition upheld. -$xxxxxx is being used for xxxxxx . DTI is still xxxxxx% - xx/xx/xxxx UW Response - attached for condition review - xx/xx/xxxx Condition upheld. xxxxxx neg rent was re-calculated. Borrower still has a pending sale atxxxxxx that was not evidenced so full PITIA was included in DTI. DTI is xxxxxx which exceeds guideline max of 55% - xx/xx/xxxx UW response - xx/xx/xxxx |
2026-07-16 21:40 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133347 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. The lender excluded the
departing residence payment in accordance with guideline provisions; however,
the required documentation to support the exclusion was not obtained.
Guidelines require the equity in the departing residence to be verified by
either a Form 2055 exterior appraisal or a full appraisal. The loan file
contains only a restricted appraisal, which does not satisfy this
requirement. As a result, the departing residence principal, interest, taxes,
insurance, and association dues payment of $xxxxxx was included in the debt-to-income
calculation. This increased the debt-to-income ratio to xxxxxx%, exceeding
the maximum allowable guideline of 55%. |
See attached -
xx/xx/xxxx |
Exterior Only Appraisal was provided. LOE for intent to sale is file. Payment was excluded. - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-17 14:02 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134559 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 6 | xx/xx/xxxx | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. Audit DTI of xxxxxx% exceeds 55% maximum DTI allowed per the
xxxxxx xxxxxx guidelines. The 1008 reflects other debts of $xxxxxx , but the
final 1003 reflects debts of $xxxxxx
and the initial 1003 reflects debts of $xxxxxx . Based on updated
credit report/updates in the file, Audit calculated debts of $xxxxxx which exceeds the amount used by the lender
on the 1008. |
Please see below debt as per xxxxxx (Total $xxxxxx .00): *xxxxxx will be satisfied (pending sale docs provided) *xxxxxx -paid by other (documentation provided) *xxxxxx - Paid in full (proof provided) Please also see refresh report attached (UDN previously sent) for easier viewing. Note: current monthly debt is much lower than below/used for qualification. - xx/xx/xxxx documentation was provided for pending sale to exclude mortgage debt. please see pending cos/required documents - xx/xx/xxxx |
Evidence debt paid by other was provided. Condition resolved. - xx/xx/xxxx Audited DTI of xxxxxx% is less than or equal to Guideline DTI of 55% - xx/xx/xxxx Please see below debt as per xxxxxx (Total $xxxxxx .00): *xxxxxx will be satisfied (pending sale docs provided) *xxxxxx -paid by other (documentation provided) *xxxxxx - Paid in full (proof provided) Please also see refresh report attached (UDN previously sent) for easier viewing. Note: current monthly debt is much lower than below/used for qualification. - xx/xx/xxxx documentation was provided for pending sale to exclude mortgage debt. please see pending cos/required documents - xx/xx/xxxx |
2026-07-08 19:56 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000134812 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. The audited debt-to-income
(DTI) ratio exceeds guideline requirements due to insufficient support for
Borrower #2's qualifying income. The loan was qualified using Borrower #2's
stated monthly qualifying income of $xxxxxx ; however, the documentation
contained in the loan file supports verified monthly qualifying income of
$xxxxxx , a variance of $xxxxxx . Recalculating the DTI using the verified
qualifying income results in a DTI that exceeds the applicable program guideline.
|
B1 income worksheet, xxxxxx & xxxxxx YE paystub, 1003, 1008
and UW response - xx/xx/xxxx |
Received updated 1008, xxxxxx and xxxxxx year end pay stubs with
income worksheet for B1. Bonus earnings for B1 being used to qualify now,
adjusting DTI to xxxxxx% and within
guideline DTI maximum of 55.0%. - xx/xx/xxxx B1 income worksheet, xxxxxx & xxxxxx YE paystub, 1003, 1008 and UW response - xx/xx/xxxx |
2026-07-22 00:41 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137038 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. Lender to provide
documentation supporting the borrower's entitlement to the rental income and
the exclusion of the related mortgage obligation from the qualifying analysis
or revise the income calculation as appropriate. After including the
full PITIA for xxxxxx as well as the rental income, the DTI
increased from xx% to xx%, which exceeds the max DTI per guidelines of 55%.
|
UW info and docs on both conditions - xx/xx/xxxx |
Audited DTI of xx% is less than or equal to Guideline DTI of 55%
- xx/xx/xxxx UW info and docs on both conditions - xx/xx/xxxx |
2026-07-22 17:39 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135967 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Audited FICO is less than Guideline FICO | Audited FICO is less than guideline FICO. Lender to validate
FICO score per xxxxxx lock confirmation dated xx/xx/xxxx, loan was approved
with a FICO of xxxxxx and max LTV for cash out of 75% however, unable to
verify due to missing borrower 2 credit report/FICO scores. Borrower 1 mid
score of xxxxxx makes max LTV/CLTV/HCLTV 70% per xxxxxx DSCR Matrix Waiving
|
DSCR ratio is .xxxxxx please review the lease agreement provided
showing current rent of $xxxxxx with
two most recent rental deposits in lieu of three months. Please advise if we
can use the $xxxxxx or move forward
with a cashout refi at x.xxxx DSCR
Ratio as an exception. The Exception is conditionally approved to allow the use of the higher rents at $xxxxxx ; subject to verification of the past 12 months housing history for the subject property paid timely 0x30. No other exception allowed. Comp factors include REO ownership on Primary paid 0x30x36 months, borrower has 12 months investor experience and cashout towards reserves. - xx/xx/xxxx exception - xx/xx/xxxx |
Waived by investor with compensating factors. - xx/xx/xxxx DSCR ratio is x.xxxx please review the lease agreement provided showing current rent of $xxxxxx with two most recent rental deposits in lieu of three months. Please advise if we can use the $xxxxxx or move forward with a cashout refi at x.xxxx DSCR Ratio as an exception. The Exception is conditionally approved to allow the use of the higher rents at $xxxxxx ; subject to verification of the past 12 months housing history for the subject property paid timely 0x30. No other exception allowed. Comp factors include REO ownership on Primary paid 0x30x36 months, borrower has 12 months investor experience and cashout towards reserves. - xx/xx/xxxx exception - xx/xx/xxxx |
The borrower has a FICO xxxxxx. | 2026-07-08 21:09 | Waived | 3 | 2 | 4 | 2 | |||
| 4000132520 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Audited FICO is less than Guideline FICO | Audited FICO is less than guideline FICO. Missing evidence of
borrower credit report to determine Fico. |
Credit Report - xx/xx/xxxx |
Credit report provided.
Condition resolved. - xx/xx/xxxx Audited FICO of xxxxxx is greater than or equal to Guideline FICO of xxxxxx - xx/xx/xxxx Credit Report - xx/xx/xxxx |
2026-07-02 13:48 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000134149 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Audited FICO is less than Guideline FICO | Audited FICO is less than guideline FICO. Missing credit report
to verify FICO scores |
See attached -
xx/xx/xxxx |
FICO score is within guidelines. - xx/xx/xxxx Audited FICO of xxxxxx is greater than or equal to Guideline FICO of xxxxxx - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-07 15:06 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000135688 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 8 | xx/xx/xxxx | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited loan amount is less than the guideline Minimum loan
amount. The Minimum Loan Amount for DSCR per the xxxxxx guides is $xxxxxx . The subject loan amount is
$xxxxxx and does not meet guides. |
please see exception - xx/xx/xxxx Internal exception to GL to allign with xxxxxx guidelines. - xx/xx/xxxx We were told that we didnt need to complete an exception form to get this cleared. please see email - xx/xx/xxxx see number 5 - xx/xx/xxxx |
xxxxxx Exeption provided
for loan amount under minimum. Loan is within xxxxxx limits. - xx/xx/xxxx please see exception - xx/xx/xxxx Acknowledged that this is internal exception to the xxxxxx GL, please provided the xxxxxx exception form. - xx/xx/xxxx Internal exception to GL to allign with xxxxxx guidelines. - xx/xx/xxxx We were told that we didnt need to complete an exception form to get this cleared. please see email - xx/xx/xxxx Condition upheld. Provided Approved xxxxxx Exception for Loan amount less that guideline minimum. - xx/xx/xxxx see number 5 - xx/xx/xxxx |
Fico over minimum by 20 pts, PITIA reserces above program minimum by 6 months or higher, 0x30x24 month housing history. | 2026-07-10 18:19 | Waived | 3 | 2 | 4 | 2 | |||
| 4000132567 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited loan amount is less than the guideline Minimum loan
amount. Per guidelines, the minimum loan amount is $xxxxxx . The approved loan amount was $xxxxxx .
|
Seller provided exception to their guidelines. - xx/xx/xxxx exception was given - xx/xx/xxxx |
Seller provided exception to their guidelines. - xx/xx/xxxx exception was given - xx/xx/xxxx |
DSCR Purchase with 20% down, xxxxxx FIco, xxxxxx DSCR and 100 months reserves. | 2026-09-24 18:29 | Acknowledged | 3 | 2 | 3 | 2 | |||
| 4000118368 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited loan amount is less than the guideline Minimum loan
amount. Minimum loan amount
$xxxxxx per program guidelines.
No exception in file |
APPROVAL - xx/xx/xxxx |
Approved Exception provided for: Borrower had a 1x30 last May on
a mortgage. Clean before and after that. Also, loan amount is only $xxxxxx . - xx/xx/xxxx APPROVAL - xx/xx/xxxx |
Comp Factors: xxxxxx FICO with otherwise clean MTG ratings, experienced investor with ample reserves. Loan will be subject to final review with no additional exceptions. | 2026-05-05 18:19 | Waived | 3 | 2 | 3 | 2 | |||
| 4000137238 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 6 | xx/xx/xxxx | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Per guidelines, the maximum
LTV for a borrower purchasing an investment property with a minimum FICO
score of xxxxxx is 70%. The loan was approved with an LTV of 80%. The
investor's exception has been provided and is approved. |
Qualifying DTI ≤ 40% and 5% ≤ maximum | 2026-07-23 18:54 | Waived | 2 | 2 | 4 | 2 | |||||
| 4000131951 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Audited LTV Exceeds Guideline LTV | Condition resolved, recalculation of DSCR was over 1.0 and this
no longer applies. Audited LTV exceeds guideline LTV. Condition resolved,
recalculation of DSCR was over 1.0 and this no longer applies. |
Audited LTV exceeds guideline LTV. Condition resolved,
recalculation of DSCR was over 1.0 and this no longer applies. -
xx/xx/xxxx |
2026-07-07 17:56 | Resolved | 1 | 1 | 1 | ||||||
| 4000131793 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited reserves months are less than the guideline required
reserve months. Lender to provide sufficient assets to cover the required
reserves of $xxxxxx Assets provided
are insufficient. |
Exception added - xx/xx/xxxx xxxxxx APPROVED AN EXCEPTION - SEE ATTACHED - xx/xx/xxxx |
This loan has been sent to you and was sent back for short
reserves - we are short reserves as cash to close came in higher than was
reviewed during final underwrite. Please advise if we can move forward with
an exception. Required reserves were $xxxxxx
we have verified total reserves of $xxxxxx and are short by approx $xxxxxx . The Exception is approved for insufficient reserves (borrower has 4.5 verified and 6 is required) with -.250 LPA and with noted comp factors = DSCR purchase transaction w/25% down payment, xxxxxx FICO, xxxxxx DSCR ratio and 4.5 months reserves. No other exceptions allowed and subject to final review. - xx/xx/xxxx Exception added - xx/xx/xxxx xxxxxx APPROVED AN EXCEPTION - SEE ATTACHED - xx/xx/xxxx |
The compensating factors are the FICO xxxxxx, 5 years of mortgage payment history with 0 lates. | 2026-07-08 20:07 | Waived | 3 | 2 | 3 | 2 | |||
| 4000104939 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited reserves months are less than the guideline required
reserve months. Audited reserves 4.41 months are less than the guideline
required reserve 6 months. Condition upheld. A joint account between xxxxxx
with a balance of $xxxxxx (not enough to cover shortage) and a
statement for xxxxxx (not able to use) were provided. Borrower
is still short verified reserves. |
attached - xx/xx/xxxx |
Audited Reserves of
month(s) are greater than or equal to Guideline Required Reserves
of month(s) - xx/xx/xxxx Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of month(s) - xx/xx/xxxx attached - xx/xx/xxxx |
2026-01-09 16:47 | Resolved | 3 | 1 | 3 | 1 | |||
| 4000128920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited reserves months are less than the guideline required
reserve months. Per lender Guidelines 12.1.1
Required reserves for the departure residence are based on the market
ing time indicated by the departure residence appraisal: – If appraisal indicates market ing time of
six (6) months or less = twelve (12) months PITIA / ITIA Subject property = 12 months reserves /Four additional REO's = 8 month reserves/departing residence 12 months reserves TOTAL = 32 total months reserves. Reviewing reserves. |
UW response provided for condition review - xx/xx/xxxx UW response has been uploaded for previous and this condition. - xx/xx/xxxx |
Audited Reserves of xxxxxx month(s) are greater than or equal to
Guideline Required Reserves of 12 month(s) - xx/xx/xxxx Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of month(s) - xx/xx/xxxx UW response provided for condition review - xx/xx/xxxx Condition upheld. xxxxxx neg rent was re-calculated. Borrower still has a pending sale atxxxxxx that was not evidenced so full PITIA was included in DTI. DTI is xxxxxx which exceeds guideline max of 55% - xx/xx/xxxx UW response has been uploaded for previous and this condition. - xx/xx/xxxx |
2026-07-16 21:39 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136315 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 6 | xx/xx/xxxx | Credit | Borrower - Conflict of Interest | A borrower associated with the loan was found to be employed by
the Originator and, or Seller. The party shown on the mortgage note being
paid off and payoff with xxxxxx is not
a party listed under xxxxxx . Subject transaction is cash out refi, but party
liable for subject note being paid off is not a member of xxxxxx |
OA for xxxxxx -
xx/xx/xxxx |
documentation meet requirements. new OA amended showing 10%
ownership for xxxxxx . - xx/xx/xxxx OA for xxxxxx - xx/xx/xxxx |
2026-07-22 15:24 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000128920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. The loan file
is missing the VVOE within 10 days of closing. |
VOE - xx/xx/xxxx |
VVOE provided. Condition
resolved. - xx/xx/xxxx Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx VOE - xx/xx/xxxx |
2026-07-16 21:38 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130720 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. Guidelines
require verification of business existence and that the business is fully
operational/active within 10 days of closing. Guidelines also require
verification that the business, xxxxxx, has been in existence for at least 2
years via CPA letter, confirmation from state agency, or applicable licensing
bureau. CPA letter is 11 working days from note. |
Please see attached proof business is active and we have xxxxxx
and xxxxxx tax returns which document the business has been in existence for
at least two years - xx/xx/xxxx |
Business existence was provided.
Condition resolved. - xx/xx/xxxx Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx Please see attached proof business is active and we have xxxxxx and xxxxxx tax returns which document the business has been in existence for at least two years - xx/xx/xxxx |
2026-07-09 15:14 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132893 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. xxxxxx x/x/xx guide Section 8.4 Bank Statement Program:
Verification of business existence and that the business is fully operational
/ active required within ten (10) calendar days of closing. The VOE is
missing in the loan file. The most
recent SOS statement of Good Standing for the business used in qualifying is
datedxx/xx/xxxx with the Note date ofxx/xx/xxxx. |
SOS good standing -
xx/xx/xxxx |
Evidence Business is in existence was provided. Condition resolved. - xx/xx/xxxx Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx SOS good standing - xx/xx/xxxx |
2026-07-15 19:23 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 14 | xx/xx/xxxx | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. File is missing
verification that business is still active at time of closing. |
FVOE - xx/xx/xxxx |
Evidence of business existence was provided. Condition resolved. - xx/xx/xxxx Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx FVOE - xx/xx/xxxx |
2026-06-23 15:06 | Resolved | 1 | 1 | 3 | 1 | ||||
| 4000134502 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. Guidelines
require a verbal verification of employment to be completed within 10
calendar days of the closing date. |
VVOE - xx/xx/xxxx |
VVOE provided. Condition
resolved. - xx/xx/xxxx Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx VVOE - xx/xx/xxxx |
2026-07-14 18:12 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136362 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 6 | xx/xx/xxxx | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. Verification of
an active business within 10 days of closing could not be found in the loan
documents. |
BBB and internet verification of active business provided. - xx/xx/xxxx Additionally, underwriter called number on xxxxxx and still active. - xx/xx/xxxx |
Borrower 1 3rd Party VOE prior to close was provided. -
xx/xx/xxxx BBB and internet verification of active business provided. - xx/xx/xxxx Additionally, underwriter called number on xxxxxx and still active. - xx/xx/xxxx |
2026-07-27 17:35 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136533 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. Borrower 1 3rd
party VOE prior to close missing to validated business has been active within
the last 30 days and 10 days of closing.
|
Business is active - xx/xx/xxxx |
Existence of business was provided. Condition resolved. - xx/xx/xxxx Borrower 1 3rd Party VOE prior to close was provided. - xx/xx/xxxx Business is active - xx/xx/xxxx |
2026-07-17 18:13 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136362 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 5 of 6 | xx/xx/xxxx | Credit | Borrower 1 Business Bank Statements Missing | Missingxx/xx/xxxx andxx/xx/xxxx business bank statements.
Guidelines require a minimum of 12 months business bank statements and 10
months were provided. Borrower 1
Business Bank Statements missing from the file. Missing xx/xx/xxxx
andxx/xx/xxxx business bank statements - Guidelines require a minimum of 12
months bank statements when only 10 months provided. Borrower 1 Business Bank Statements missing
from the file. |
Statements - xx/xx/xxxx |
Borrower 1 Business Bank Statements Provided - xx/xx/xxxx Statements - xx/xx/xxxx |
2026-07-27 17:35 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000129204 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 10 | xx/xx/xxxx | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA letter missing from the file. Provide CPA letter
as required by guidelines. |
voe docs - xx/xx/xxxx |
Borrower 1 CPA letter provided - xx/xx/xxxx voe docs - xx/xx/xxxx |
2026-07-20 17:57 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000136177 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA letter missing from the file. Self-employed
income calculated using a 12-month Profit & Loss statement. xxxxxx
guidelines require an attestation from the CPA, which was not in the
file. |
Business narrative provided.
- xx/xx/xxxx business narrative - should clear up both open conditions - please review - xx/xx/xxxx |
Borrower 1 CPA letter provided - xx/xx/xxxx Business narrative provided. - xx/xx/xxxx business narrative - should clear up both open conditions - please review - xx/xx/xxxx |
2026-07-08 19:37 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132761 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Credit | Borrower 1 Credit Report is Incomplete | CBR in file missing tradelines although all debt extracted.
Unable to verify payments, verify MR for primary to verify housing history,
and accurately account for the # of charge off accts/balances due to
tradelines not on pages of cbr in file. Borrower 1 Credit Report is Partially
Present. |
See attached -
xx/xx/xxxx |
Complete Credit Report provided.
Condition resolved. - xx/xx/xxxx Borrower 1 Credit Report is not partially present. - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-09-22 18:55 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000104038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 9 | xx/xx/xxxx | Credit | Borrower 1 Credit Report is Missing | Borrower 1 credit report is missing. Please provide full credit
report for borrower. |
Credit report - xx/xx/xxxx |
Updated Credit Report provided.
Condition resolved. - xx/xx/xxxx Credit Report provided. Condition resolved. - xx/xx/xxxx Borrower 1 Credit Report is not missing. - xx/xx/xxxx Credit report - xx/xx/xxxx |
2026-04-15 16:30 | Resolved | 4 | 1 | 4 | 1 | |||
| 4000129204 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 4 of 10 | xx/xx/xxxx | Credit | Borrower 1 Credit Report is Missing | Borrower 1 credit report is missing. Missing evidence of
borrower's credit report. |
credit report - xx/xx/xxxx |
Credit Report provided. - xx/xx/xxxx Borrower 1 Credit Report is not missing. - xx/xx/xxxx credit report - xx/xx/xxxx |
2026-09-22 18:45 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000130998 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 11 | xx/xx/xxxx | Credit | Borrower 1 Credit Report is Missing | Borrower 1 credit report is missing. credit report not in file
|
credit report - xx/xx/xxxx |
Borrower 1 Credit Report is not missing. - xx/xx/xxxx Document Uploaded. - xx/xx/xxxx Credit Report provided. Condition resolved. - xx/xx/xxxx Credit Report provided. Condition resolved. - xx/xx/xxxx credit report - xx/xx/xxxx |
2026-09-22 18:47 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000132520 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Borrower 1 Credit Report is Missing | Borrower 1 credit report is missing. Missing evidence of
borrower's credit report. |
Credit Report - xx/xx/xxxx |
Credit report provided.
Condition resolved. - xx/xx/xxxx Borrower 1 Credit Report is not missing. - xx/xx/xxxx Credit Report - xx/xx/xxxx |
2026-09-22 18:49 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000132786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Borrower 1 Credit Report is Missing | Borrower 1 credit report is missing. Lender to provide the
completed credit report and all supplements if applicable. |
credit - xx/xx/xxxx |
Credit Report provided.
Condition resolved. - xx/xx/xxxx Borrower 1 Credit Report is not missing. - xx/xx/xxxx credit - xx/xx/xxxx |
2026-06-30 17:07 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000132881 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Borrower 1 Credit Report is Missing | Borrower 1 credit report is missing. Missing evidence of
borrower's Credit Report. |
See attached credit report
- xx/xx/xxxx |
Credit Report provided.
Condition resolved. - xx/xx/xxxx Borrower 1 Credit Report is not missing. - xx/xx/xxxx See attached credit report - xx/xx/xxxx |
2026-09-22 18:52 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000133184 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Borrower 1 Credit Report is Missing | Borrower 1 credit report is missing. Lender to provide
qualifying credit report |
CREDIT REPORT - xx/xx/xxxx |
Credit Report provided.
Condition resolved. - xx/xx/xxxx Borrower 1 Credit Report is not missing. - xx/xx/xxxx CREDIT REPORT - xx/xx/xxxx |
2026-09-22 19:31 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000134149 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Borrower 1 Credit Report is Missing | Borrower 1 credit report is missing. Missing credit report, gap
credit if applicable and al credit supplements |
See attached -
xx/xx/xxxx |
Credit Report provided.
Condition resolved. - xx/xx/xxxx Borrower 1 Credit Report is not missing. - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-07 15:05 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000136445 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Borrower 1 Credit Report is Missing | Borrower 1 credit report is missing. Lender to provide creit
report. |
Credit Report - xx/xx/xxxx |
Credit Report provided.
Condition resolved. - xx/xx/xxxx Borrower 1 Credit Report is not missing. - xx/xx/xxxx Credit Report - xx/xx/xxxx |
2026-09-22 19:15 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000131786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 8 | xx/xx/xxxx | Credit | Borrower 1 Deed of Trust Signature does not match Note | Borrower 1 Signature does not match Note Signature. The Deed of
Trust is incomplete. Per xxxxxx GL, 4.7.1 - § Properties vested in any of
these manners are limited to Investment and Business Purpose and the
following requirements must be met: § Entities must be formed for the purpose
of Ownership and Management of Real Estate§ Max of four (4) entity owners
allowed– All eligible guarantors must be disclosed, and credit qualify -
eligibility listed in section below§ All Borrower(s) must execute the Occupancy
Certification or similar form subject to xxxxxx pre-approval§ For DSCR Borrower(s)
obtaining a Rate / Term or Cash-Out Refinance loan, the Borrower must execute
the xxxxxx Business Purpose &
Occupancy Affidavit. Please reach out to xxxxxx for exception to vest only in
Entity and not close as an entity. |
Updated Deed - xx/xx/xxxx Occupancy Aff - xx/xx/xxxx Title Explanation - xx/xx/xxxx |
The business entity names match. - xx/xx/xxxx Borrower 1 Signature matches Note - xx/xx/xxxx The business entity names match. - xx/xx/xxxx updated DOT signed in business entity - xx/xx/xxxx Updated Deed - xx/xx/xxxx xxxxxx GL 4.7.1 vesting must match to signatures. Please reach out to xxxxxx for exception to vest only in Entity and not close as an entity. - xx/xx/xxxx Occupancy Aff - xx/xx/xxxx Unable to open the attachments to verify business ownership - xx/xx/xxxx Title Explanation - xx/xx/xxxx |
2026-09-09 15:54 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000131920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 10 | xx/xx/xxxx | Credit | Borrower 1 Deed of Trust Signature does not match Note | Borrower 1 Signature does not match Note Signature. The Business
Entity Name does not match the note page. The Deed in the loan file was
issued in a business name; however, it was signed by an Individual borrower
and not as a business. |
Updated Note - xx/xx/xxxx
Escrow Explanation - xx/xx/xxxx |
The business entity names match. - xx/xx/xxxx Borrower 1 Signature matches Note - xx/xx/xxxx The business entity names match. - xx/xx/xxxx Borrower 1 Signature matches Note - xx/xx/xxxx The business entity names match. - xx/xx/xxxx The business entity names match. - xx/xx/xxxx Borrower 1 Signature matches Note - xx/xx/xxxx The business entity names match. - xx/xx/xxxx Borrower 1 Signature matches Note - xx/xx/xxxx The business entity names match. - xx/xx/xxxx Updated Note - xx/xx/xxxx xxxxxx GL 4.7.1 Vesting to match signatures. Please reach out to xxxxxx for exception to vest only in Entity and not close as an entity. - xx/xx/xxxx Escrow Explanation - xx/xx/xxxx |
2026-09-09 16:24 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000137040 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T missing from the file. Per guidelines
4506-C transcripts required on all loans.
|
4506C is not required as program is alt docs with 12 months CPA
prepare P&L. - xx/xx/xxxx |
4506 required on wage earner, not applicable to P&L -
xx/xx/xxxx Borrower 1 Executed 4506-T Provided - xx/xx/xxxx 4506C is not required as program is alt docs with 12 months CPA prepare P&L. - xx/xx/xxxx |
2026-07-21 13:25 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135014 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing The Borrower's credit
report expires today,xx/xx/xxxx and would like an exception to close with
credit report being > 90 days but < 120 days. The exception in file is
incomplete, only states exception summary and a signature. Please provide
completed exception. The Seller guide exception approved for credit report >90 and <120 days with -.xxxxxx LPA and with noted comp factors. This is an Expanded Prime R/T refinance transaction at 80% LTV with xxxxxx FICO, xxxxxx% DTI, 8 months reserves and $xxxxxx + monthly residual. No other exceptions allowed and subject to final review. |
UDN - xx/xx/xxxx |
GAP/UDM Report provided.
Condition resolved. - xx/xx/xxxx Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx UDN - xx/xx/xxxx |
The Borrower's score is xxxxxx which is > 20 points above minimum required of xxxxxx, the credit contains a 0x30x24 on mortgages, including axxxxxxmortgage on subject property. Borrower's Reserves > 6 months post-closing and the residual income = $xxxxxx against required of $xxxxxx. | 2026-07-01 15:07 | Resolved | 2 | 1 | 3 | 1 | |||
| 4000104038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 8 of 9 | xx/xx/xxxx | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing |
please see attached -
xx/xx/xxxx is this duplicate suspense? Please clear - xx/xx/xxxx |
Updated Credit Report provided.
Condition resolved. - xx/xx/xxxx Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx please see attached - xx/xx/xxxx Condition upheld. Not a duplicate. Provide the UDM Report. Credit Report is datedxx/xx/xxxx, Note is xx/xx/xxxx. - xx/xx/xxxx is this duplicate suspense? Please clear - xx/xx/xxxx |
2026-04-15 16:30 | Resolved | 4 | 1 | 4 | 1 | |||
| 4000132786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing |
credit - xx/xx/xxxx |
GAP/UDM Report provided.
Condition resolved. - xx/xx/xxxx Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx credit - xx/xx/xxxx |
2026-06-30 17:09 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000132881 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing |
See attached -
xx/xx/xxxx |
GAP/UDM Report provided.
Condition resolved. - xx/xx/xxxx Borrower 1 Gap Credit Report is not missing. - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-09-22 18:52 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000135688 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 8 of 8 | xx/xx/xxxx | Credit | Borrower 1 Lease Agreements Missing | Borrower 1 Lease Agreements missing from the file. DSCR
calculated on gross monthly rent of $xxxxxx . No copy of lease in file. |
see rebuttal number 3 - xx/xx/xxxx |
Borrower 1 Lease Agreements Provided - xx/xx/xxxx Lender used the Current rent of $xxxxxx from the 1007. market Rent from the 1007 is $xxxxxx Contract Addendum states all properties will be delivered vacant. So using the lesser $xxxxxx is a worse case scenario. Condition resolved. - xx/xx/xxxx see rebuttal number 3 - xx/xx/xxxx |
2026-09-22 19:50 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000129204 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 9 of 10 | xx/xx/xxxx | Credit | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Borrower 1 personal tax returns less than 24 months provided.
The loan was approved using 24 months of income. Please provide the xxxxxx
tax returns to document the employment for the borrower's previous
employment. |
taxes - xx/xx/xxxx |
Borrower 1 personal tax returns less than 24 months provided
condition resolved - xx/xx/xxxx taxes - xx/xx/xxxx |
2026-07-20 17:57 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000104038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 9 | xx/xx/xxxx | Credit | Borrower 1 Personal Tax Returns Missing | Borrower 1 personal Tax Returns missing. Need tax returns to
calculate self employment income |
This is P&L loan, theres is no income docs - xx/xx/xxxx |
Borrower 1 Personal Tax Returns Provided - xx/xx/xxxx Condition set in error. - xx/xx/xxxx Borrower 1 Personal Tax Returns Provided - xx/xx/xxxx This is P&L loan, theres is no income docs - xx/xx/xxxx |
2026-07-01 15:53 | Resolved | 3 | 1 | 4 | 1 | |||
| 4000104038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 9 of 9 | xx/xx/xxxx | Credit | Borrower 1 YTD Profit & Loss Missing | Borrower 1 YTD Profit & Loss missing. Provide P & L. |
P&L - xx/xx/xxxx |
P&L provided. -
xx/xx/xxxx Borrower 1 YTD Profit & Loss Provided - xx/xx/xxxx P&L - xx/xx/xxxx |
2026-07-01 15:53 | Resolved | 3 | 1 | 4 | 1 | |||
| 4000129204 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 10 | xx/xx/xxxx | Credit | Borrower 1 YTD Profit & Loss Missing | Missing YTD Profit & Loss statement per guidelines for any
business in which the borrower has a 25% or greater ownership interest when
used for qualifying. Borrower 1 YTD
Profit & Loss missing. |
signed pl - xx/xx/xxxx please see p&l provided - xx/xx/xxxx P&L - xx/xx/xxxx |
Signed CPA Letter provided.
Condition resolved. -
xx/xx/xxxx Borrower 1 YTD Profit & Loss Provided - xx/xx/xxxx signed pl - xx/xx/xxxx Condition upheld. Unsigned P&L provided. Provide signed P&L. - xx/xx/xxxx please see p&l provided - xx/xx/xxxx Provide a Signed P&L. - xx/xx/xxxx P&L - xx/xx/xxxx |
2026-07-20 18:02 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000130720 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Borrower 1 YTD Profit & Loss Missing | Borrower 1 YTD Profit & Loss missing. Borrower is
self-employed as 50% owner of xxxxxx.
Income was documented with 2 years personal and business tax returns.
Guidelines also require a YTD P&L which was not in the file. |
P and L attached -
xx/xx/xxxx |
documentation meet guidelines requirements - xx/xx/xxxx Borrower 1 YTD Profit & Loss Provided - xx/xx/xxxx P and L attached - xx/xx/xxxx |
2026-07-09 15:14 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000128920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd party VOE prior to close missing. The loan file
is missing the VVOE within 10 days of closing. |
VOE - xx/xx/xxxx |
VVOE provided. Condition
resolved. - xx/xx/xxxx Borrower 2 3rd party VOE prior to close was provided. (Number of Borrowers equals 2) - xx/xx/xxxx VOE - xx/xx/xxxx |
2026-07-16 21:38 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130667 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Borrower 2 Credit Report is Missing | Borrower 2 credit report is missing. Missing the credit report
for B2 including all credit supplements or re-pulls, subject to review for
credit and debt ratio purposes. |
see attached - xx/xx/xxxx |
CR provided. Condition
resolved. - xx/xx/xxxx Borrower 2 Credit Report is not missing. - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-16 19:19 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000135967 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Borrower 2 Credit Report is Missing | Borrower 2 credit report is missing. |
credit report -
xx/xx/xxxx |
B2 credit report entered - xx/xx/xxxx Borrower 2 Credit Report is not missing. - xx/xx/xxxx credit report - xx/xx/xxxx |
2026-07-08 20:13 | Resolved | 4 | 1 | 4 | 2 | ||||
| 4000136445 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Borrower 2 Credit Report is Missing | Borrower 2 credit report is missing. Lender to provide creit
report. |
Credit Report - xx/xx/xxxx |
Borrower 2 Credit Report is not missing. - xx/xx/xxxx Credit Report provided. Condition resolved. - xx/xx/xxxx Credit Report - xx/xx/xxxx |
2026-09-22 19:15 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000138435 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Borrower 3 Credit Report is Missing | Borrower 3 Credit Report is Missing. File did not contain
Borrower 3 credit report as required. |
B3 credit report provided - xx/xx/xxxx All 3 Credit Reports - xx/xx/xxxx |
Borrower 3 Credit Report is not missing. - xx/xx/xxxx B3 credit report provided - xx/xx/xxxx All 3 Credit Reports - xx/xx/xxxx |
2026-07-27 12:11 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000105626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 7 | xx/xx/xxxx | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. Please provide the
personal guaranty |
loan guaranty - xx/xx/xxxx |
Personal Guaranty was provided.
Condition resolved. - xx/xx/xxxx The Personal Loan Guaranty is not missing. - xx/xx/xxxx loan guaranty - xx/xx/xxxx |
2026-09-23 19:20 | Resolved | 4 | 1 | 4 | 2 | ||||
| 4000128830 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. |
Personal loan guaranty - xx/xx/xxxx |
Personal Guaranty was provided.
Condition resolved. - xx/xx/xxxx The Personal Loan Guaranty is not missing. - xx/xx/xxxx Personal loan guaranty - xx/xx/xxxx |
2026-07-23 13:57 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000129356 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. Personal Guaranty (PG) is
required when any party on the Note has signed on behalf of the business
rather than individually |
Personal Guaranty -
xx/xx/xxxx |
Personal Guaranty was provided.
Condition resolved. - xx/xx/xxxx The Personal Loan Guaranty is not missing. - xx/xx/xxxx Personal Guaranty - xx/xx/xxxx |
2026-05-28 14:31 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000129609 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 11 | xx/xx/xxxx | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. Loan guaranty not in file
|
Guaranty provided - xx/xx/xxxx Personal Guaranty - xx/xx/xxxx Business Purpose Affidavit - xx/xx/xxxx |
The Personal Loan Guaranty is not missing. - xx/xx/xxxx Guaranty provided - xx/xx/xxxx Personal Guaranty - xx/xx/xxxx Business Purpose & Occupancy Affidavit provided is signed and initialed but otherwise blank. No Loan number, borrower or address listed on form. Condition was for the Personal Guaranty, not the BP affidavit. - xx/xx/xxxx Business Purpose Affidavit - xx/xx/xxxx |
2026-07-23 14:50 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000131786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 8 of 8 | xx/xx/xxxx | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. Per lender guidelines 9.7
Recourse/Guaranty - Personal recourse required. The loan file is missing the Guaranty
agreement. The Personal Loan Guaranty
is missing or partial. |
The Personal Loan Guaranty is not missing. - xx/xx/xxxx |
2026-09-09 15:53 | Resolved | 4 | 1 | 4 | 1 | |||||
| 4000131920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 10 | xx/xx/xxxx | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. The Personal Loan
Guaranty is missing Per lender guidelines 9.7 Recourse/Guaranty - Personal
recourse required. The loan file is
missing the Guaranty agreement. The Personal Loan Guaranty is missing or
partial. Guaranty provided |
Guaranty - xx/xx/xxxx |
The Personal Loan Guaranty is not missing. - xx/xx/xxxx Guaranty uploaded - xx/xx/xxxx Guaranty - xx/xx/xxxx |
2026-09-09 16:24 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000132007 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 9 | xx/xx/xxxx | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. The loan file is missing
the Personal Guaranty. |
personal guaranty -
xx/xx/xxxx |
Personal Guaranty provided.
Condition resolved. - xx/xx/xxxx The Personal Loan Guaranty is not missing. - xx/xx/xxxx personal guaranty - xx/xx/xxxx |
2026-06-12 19:08 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000133639 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 6 | xx/xx/xxxx | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. The Personal Loan
Guaranty is missing |
Guaranty provided - xx/xx/xxxx Attached Personal Guaranty identifies xxxxxx and xxxxxx as the individual guarantors for xxxxxx ’s $xxxxxx loan. The guaranty is signed by both guarantors and was notarized onxx/xx/xxxx, the same date as the Note. Please Cancel. - xx/xx/xxxx |
The Personal Loan Guaranty is not missing. - xx/xx/xxxx Guaranty provided - xx/xx/xxxx Attached Personal Guaranty identifies xxxxxx and xxxxxx as the individual guarantors forxxxxxx ’s $xxxxxx loan. The guaranty is signed by both guarantors and was notarized onxx/xx/xxxx, the same date as the Note. Please Cancel. - xx/xx/xxxx |
2026-08-07 16:13 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000135688 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 8 | xx/xx/xxxx | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. The Personal Loan
Guaranty is missing |
personal guaranty - xx/xx/xxxx |
The Personal Loan Guaranty is not missing. - xx/xx/xxxx Personal Loan Guaranty provided, Condition resolved. - xx/xx/xxxx personal guaranty - xx/xx/xxxx |
2026-09-23 16:19 | Resolved | 4 | 1 | 4 | 2 | ||||
| 4000135768 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. The subject is vested in
an entity. The personal guaranty is missing in the loan file. |
Fully executed Guaranty provided - xx/xx/xxxx Guaranty - xx/xx/xxxx |
The Personal Loan Guaranty is not missing. - xx/xx/xxxx Fully executed Guaranty provided - xx/xx/xxxx Guaranty - xx/xx/xxxx |
2026-07-22 14:00 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000137238 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 6 | xx/xx/xxxx | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. |
The Personal Loan Guaranty is not missing. - xx/xx/xxxx |
2026-07-27 14:46 | Resolved | 4 | 1 | 4 | 2 | |||||
| 4000132912 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Bwr1 Income - Business Bank Statements Less than 12 Months | The loan file did not contain 12 months of the borrower's
business bank statements as required. the file only contains xxxxxx Bank business account statements for 3
months. xxxxxx bank statements for the prior 12 months. GL require 12 months
for all accounts, the summary in the file only reflects 3 months for
xxxxxx Bank and 9 mos for xxxxxx .
Provide documentation regarding 2 separate accounts for 12 mos income. |
statements - xx/xx/xxxx |
All Bank Statements were provided. Condition resolved. - xx/xx/xxxx statements - xx/xx/xxxx |
2026-07-10 13:30 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000139279 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The Calculated DSCR of 'xxxxxx% ' is less than the minimum
required DSCR of'1'. Per the lender guidelines, the higher 12-month lease
agreement amount may be used with evidence of the most recent 2 months,
consecutive history of timely receipt and the lease agreement amount may not
be greater than 125% of the market
rent from appraisal report. The loan file contained the market rents reflect the monthly payment as
$xxxxxx and a lease for $xxxxxx per month along with a cashier's check for
$xxxxxx which was stated for the 1st months' rent and 1 month deposit.
Therefore, there is not a 2-month payment history to allow the lease rents to
be used, and it causes the DSCR score to be .xxxxxx which is lower than the
Guideline allowed of a DSCR score of 1. In addition, DSCR scores from 0.75 to 1.0 the maximum LTV is 70% due to the property is a non-warrantable condo, The subject was closed at a 75% LTV/CLTV. Guidelines do not differentiate between purchase and refinance to use the rent received. |
attached - xx/xx/xxxx This loan is a purchase and not a refinance. Since the borrower did not own the property before closing, it is impossible to provide two months of rental payment history before the loan funds. The file includes a fully executed 12-month lease for $xxxxxx per month, along with a cashier's check for $xxxxxx covering the first month's rent and the security deposit. This demonstrates that the lease was in place and the tenant had already provided the required funds at the time of closing. The guideline requiring two months of rental receipts is intended for situations where the property is already owned and rented, such as a refinance. It is not practical to apply that same requirement to a purchase because there is no way for a borrower to have two months of rental history before purchasing the property. - xx/xx/xxxx |
Exception to use 1 month rent and security deposit to use 125%
of market rent. Approved -
xx/xx/xxxx attached - xx/xx/xxxx Guidelines require 2 months rent history, they do not differentiate between purchase and refi, therefore 2 months rents are required to use the higher amount. - xx/xx/xxxx This loan is a purchase and not a refinance. Since the borrower did not own the property before closing, it is impossible to provide two months of rental payment history before the loan funds. The file includes a fully executed 12-month lease for $xxxxxx per month, along with a cashier's check for $xxxxxx covering the first month's rent and the security deposit. This demonstrates that the lease was in place and the tenant had already provided the required funds at the time of closing. The guideline requiring two months of rental receipts is intended for situations where the property is already owned and rented, such as a refinance. It is not practical to apply that same requirement to a purchase because there is no way for a borrower to have two months of rental history before purchasing the property. - xx/xx/xxxx |
Fico xxxxxx and DSCR xxxxxx% | 2026-08-05 12:28 | Waived | 3 | 2 | 3 | 2 | |||
| 4000128684 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The Calculated DSCR of xxxxxx
is less than the minimum required DSCR of'1'. Guidelines required
first time investors to have a DSCR > 1.0, the credit score > 700, and
no other exceptions in the file. Borrower's DSCR is xxxxxx The exception provided in the loan file is
blank. Please provide the updated form.
|
exception approval - xx/xx/xxxx |
Approved Exception provided for First Time Investor <1 -
xx/xx/xxxx exception approval - xx/xx/xxxx |
DSCR .xxxxxx, Credit xxxxxx+, and 12+ months reserves. | 2026-06-26 20:01 | Waived | 3 | 2 | 3 | 2 | |||
| 4000131631 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The Calculated DSCR of 'xxxxxx ' is less than the minimum
required DSCR of'1'. Per guidelines, First Time Investors are allowed
provided that the DSCR is >1.0, the Credit score is >xxxxxx and there
are no exceptions on the file. Rents are $xxxxxx , PITIA is $xxxxxx .
DSCR< 1.0 |
xxxxxx Exception -
xx/xx/xxxx Please reach out to $xxxxxx , this will require exception - xx/xx/xxxx Please see our UW response below - I'd like you to push back to $xxxxxx . They do/did a Pre-Closing Review audit, before we funded. I have attached their pre-closing review above. They notate the DSCR is xxxxxx xxxxxx on the bottom of page 1 of 2. They issued no Pre-Funding Findings. The UW's HP calculator rounded it to 1.00, it was an oversight. So max LTV is 75% and we went to 76% also not noted in their finding or pre-closing review. - xx/xx/xxxx |
Exception provided. First time investor. mis calculation by
seller. 1st time investor under 1% DSCR. LTV over maximum by 1.5%. Approved,
subject to final review with no additional exceptions. Verification of comp
factors. - xx/xx/xxxx xxxxxx Exception - xx/xx/xxxx Please reach out to $xxxxxx , this will require exception - xx/xx/xxxx Please reach out to $xxxxxx , this will require exception - xx/xx/xxxx Please see our UW response below - I'd like you to push back to $xxxxxx . They do/did a Pre-Closing Review audit, before we funded. I have attached their pre-closing review above. They notate the DSCR is xxxxxx xxxxxx on the bottom of page 1 of 2. They issued no Pre-Funding Findings. The UW's HP calculator rounded it to 1.00, it was an oversight. So max LTV is 75% and we went to 76% also not noted in their finding or pre-closing review. - xx/xx/xxxx |
0x30 housing history. min fico is xxxxxx and borrower is at xxxxxx. Min reserves 3 months and borrower has 14 months. | 2026-07-28 20:14 | Waived | 3 | 2 | 3 | 2 | |||
| 4000105626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 7 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The Calculated DSCR of 'xxxxxx ' is less than the minimum
required DSCR of'1'. The minimum DSCR when using short term rental income is
1. The audited DSCR is xxxxxx using
short term rental income of $xxxxxx and a PITIA of xxxxxx |
The Calculated DSCR is equal to or greater than the minimum
required DSCR, or Not Applicable - xx/xx/xxxx |
2026-06-24 16:14 | Resolved | 3 | 1 | 4 | 2 | |||||
| 4000128090 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The Calculated DSCR of xxxxxx
is less than the minimum required DSCR of'0.75'. Per updated lock
confirmation, loan amount was raised to xxxxxx and appraised amount $xxxxxx
therefore PITIA was raised however 1007 was still xxxxxx so the DSCR no
longer meets criteria required. Pending interior and Exterior Appraisal as
required by guidelines. |
Regarding the condition below as per our underwriter the
executed lease agreement reflects a higher monthly rent than Appraisal, it
may be used in the calculation with sufficient evidence of receipt. Three (3)
most recent, consecutive months should be provided Additionally , The rental agreement in file reflects the higher. xxxxxx however we have 3 months of receipt of rents for this amount ofxxxxxx . The underwriter went with the rental agreement and hence the DSCR ratio is .75. - xx/xx/xxxx LOE UW RESPONSE - xx/xx/xxxx LOE UEW response - xx/xx/xxxx May we ask for the status of this remaining condition as stated on the revised condition once the Full Interior and Exterior Appraisal provided this condition will cleared. Please advise - xx/xx/xxxx LOE - xx/xx/xxxx LOE - xx/xx/xxxx As per our underwriter we are using LEASE AGREEMENT with rent deposit proof. Rent on Lease agreement is $xxxxxx. - xx/xx/xxxx LEASE AGREEMENT, MISC INCOME - xx/xx/xxxx |
The DSCR calculation is 0.752 - xx/xx/xxxx Regarding the condition below as per our underwriter the executed lease agreement reflects a higher monthly rent than Appraisal, it may be used in the calculation with sufficient evidence of receipt. Three (3) most recent, consecutive months should be provided Additionally , The rental agreement in file reflects the higher. xxxxxx however we have 3 months of receipt of rents for this amount ofxxxxxx . The underwriter went with the rental agreement and hence the DSCR ratio is .75. - xx/xx/xxxx Uusing the Actual Rent in place is 0.736 which is less than the required minimum of 0.75. xxxxxx Lock needs to be corrected as Lock shows DSCR is 0.80. Provide corrected lock and Approved xxxxxx exception for the DSCR. - xx/xx/xxxx LOE UW RESPONSE - xx/xx/xxxx Condition upheld. DSCR using the Actual Rent in place is xxxxxx which is less than the required minimum of 0.75. xxxxxx Lock needs to be corrected as Lock shows DSCR is XXXXXX. Provide corrected lock and Approved xxxxxx exception for the DSCR. - xx/xx/xxxx LOE UEW response - xx/xx/xxxx Condition upheld. Lease provided expiredxx/xx/xxxx. Provided updated Lease Agreement. - xx/xx/xxxx May we ask for the status of this remaining condition as stated on the revised condition once the Full Interior and Exterior Appraisal provided this condition will cleared. Please advise - xx/xx/xxxx Condition upheld. Lease provided expiredxx/xx/xxxx. Provided updated Lease Agreement. - xx/xx/xxxx Condition on hold and will not be reviewed until a Full Interior and Exterior Appraisal is provided per Guidelines. - xx/xx/xxxx LOE - xx/xx/xxxx Pending interior and Exterior Appraisal as required by guidelines, loan was reviewed to xxxxxx guidelines, rebuttal indicates Mega guidelines which were not used. - xx/xx/xxxx Pending interior and Exterior Appraisal as required by guidelines. - xx/xx/xxxx LOE - xx/xx/xxxx Condition on hold, pending complete Interior/Exterior Appraisal as required per guidelines. - xx/xx/xxxx As per our underwriter we are using LEASE AGREEMENT with rent deposit proof. Rent on Lease agreement is $2,850. - xx/xx/xxxx Condition on hold, pending complete Interior/Exterior Appraisal. - xx/xx/xxxx LEASE AGREEMENT, MISC INCOME - xx/xx/xxxx |
2026-07-15 15:53 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000128430 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The Calculated DSCR of xxxxxx
is less than the minimum required DSCR of'1'. Verified |
UW rebuttal - xx/xx/xxxx |
Final URLA indicates borrower is not a first time investor. - xx/xx/xxxx Condition upheld. Per Guidelines: First Time Investors are allowed provided that the DSCR is >1.0, the Credit score is >XXXXXX and there are no exceptions on the file. The calculated DSCR is less than 1.00. The calculated DSCR is XXXXXX, which is the same on the 1008 provided. Provide Exception from xxxxxx - xx/xx/xxxx UW rebuttal - xx/xx/xxxx |
2026-07-09 20:26 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000128978 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The Calculated DSCR of '0' is less than the minimum required
DSCR of'1'. Missing evidence of market
rent required to determine the Debt Service Coverage Ratio (DSCR). |
The Calculated DSCR is equal to or greater than the minimum
required DSCR, or Not Applicable - xx/xx/xxxx |
2026-07-28 19:06 | Resolved | 3 | 1 | 3 | 1 | |||||
| 4000130784 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 6 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The Calculated DSCR of 'xxxxxx ' is less than the minimum
required DSCR of'1'. The borrower is a first time investor and homebuyer. Per
guidelines, a minimum DSCR of 1 is required for all Inexperienced Investors.
The audited DSCR is xxxxxx A formal exception is not located in the loan
file. Locked DSCR is xxxxxx |
Documentation provided to confirm investor experience. - xx/xx/xxxx Not a FTHB/investor. Docs uploaded earlier today. - xx/xx/xxxx |
The Calculated DSCR is equal to or greater than the minimum
required DSCR, or Not Applicable - xx/xx/xxxx Documentation provided to confirm investor experience. - xx/xx/xxxx Not a FTHB/investor. Docs uploaded earlier today. - xx/xx/xxxx |
2026-07-02 17:59 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000130896 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The Calculated DSCR of 'xxxxxx ' is less than the minimum
required DSCR of'1'. Higher taxes are causing the DSCR to fall below 1.00 for
first time investor loan. Per Tax Record Information Sheet, General taxes are
xxxxxx per half and School taxes are xxxxxx per half. As a result, DSCR is
below 1.0 and guidelines require a minimum of 1.0 DSCR for first time
investor loans. |
Tax information sheet was manually filled out incorrectly.
please defer to tax search in the title for correct taxes - xx/xx/xxxx |
Tax search received. Lower actual taxes used, brings DSCR to
1.08%. Condition resolved. - xx/xx/xxxx Tax information sheet was manually filled out incorrectly. please defer to tax search in the title for correct taxes - xx/xx/xxxx |
2026-07-10 21:33 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131103 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 10 of 10 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | DSCR subject to recalculation pending receipt of note and
deed. |
The Calculated DSCR is equal to or greater than the minimum
required DSCR, or Not Applicable - xx/xx/xxxx |
2026-06-24 19:28 | Resolved | 3 | 1 | 4 | 1 | |||||
| 4000132720 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 7 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The Calculated DSCR of 'xxxxxx' is less than the minimum
required DSCR of'0.75'. Using the lessor of the rental lease amount ($xxxxxx)
and the rent amount on the 1007 ($xxxxxx), the DSCR score does not meet the
required .75. |
Attached xxxxxx, xxxxxx and xxxxxx rent receipts - xx/xx/xxxx
xxxxxx guidelines allow us to use the full lease amount when rent receipts from the last 3 months are provided. Attached are the rent receipts from the current tenant from xxxxxx, xxxxxx, and xxxxxx. - xx/xx/xxxx |
Lease and 3 months verification or rent payments provided. Condition resolved. - xx/xx/xxxx The Calculated DSCR is equal to or greater than the minimum required DSCR, or Not Applicable - xx/xx/xxxx Attached March, May and June rent receipts - xx/xx/xxxx Condition upheld. A Deposit Slip from the Borrower does not prove rental income. Provide canceled checks, bank statements, etc to tile the tenant to the payment. - xx/xx/xxxx xxxxxx guidelines allow us to use the full lease amount when rent receipts from the last 3 months are provided. Attached are the rent receipts from the current tenant from xxxxxx, xxxxxx, and xxxxxx. - xx/xx/xxxx |
2026-07-10 16:22 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000133210 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The Calculated DSCR of 'xxxxxx' is less than the minimum
required DSCR of'1'. Appraisal and 1007 missing from the loan file. Unable to calculate DSCR ratio. |
Appraisal and inspection - xx/xx/xxxx |
Appraisal provided to calculate DSCR - xx/xx/xxxx Appraisal and inspection - xx/xx/xxxx |
2026-07-24 15:56 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000133984 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 7 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The audited DSCR is xxxxxx. The borrower is a first time
investor. Per guidelines, DSCR less
than 1 is not permitted for first time investors. |
PLEASE PROVIDE YOUR CALCUATIONS. AS WE HAVE THE FOLLOWING PER
UNDERWRTIER. . We have an ADU with $xxxxxx
and Floor 2 with $xxxxxx total
rent is $xxxxxx PITIA is $xxxxxx =
xxxxxx% a. P&I $xxxxxx b. HOI $xxxxxx c. Flood Insurance $xxxxxx d. Taxes $xxxxxx - xx/xx/xxxx |
Calculated DSCR using both main unit and ADU per
guidelines. - xx/xx/xxxx PLEASE PROVIDE YOUR CALCUATIONS. AS WE HAVE THE FOLLOWING PER UNDERWRTIER. . We have an ADU with $xxxxxx and Floor 2 with $xxxxxx total rent is $xxxxxx PITIA is $xxxxxx = xxxxxx% a. P&I $xxxxxx b. HOI $xxxxxx c. Flood Insurance $xxxxxx d. Taxes $xxxxxx - xx/xx/xxxx |
2026-07-17 14:07 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000138962 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The Calculated DSCR of 'xxxxxx% ' is less than the minimum
required DSCR of'1.25'. DSCR of xxxxxx%
does meet the minimum of 1.25 when the LTV is less than or equal to
75%. The Calculated DSCR of 'xxxxxx% ' is less than the minimum required DSCR
of'1.25'. . |
The subject loan is an Access DSCR purchase transaction with a
70% LTV. Page 4, footnote 7 of the xxxxxxand xxxxxx DSCR Product Matrix states that short-term rental purchase
transactions require a minimum 1.25 DSCR only when the LTV exceeds 75%. When
the LTV is 75% or less, the minimum required DSCR is 1.00. The calculated
DSCR of xxxxxx% meets the applicable
requirement. Please Cancel. - xx/xx/xxxx |
Explanation of Guidelines were provided. Condition resolved. - xx/xx/xxxx The Calculated DSCR is equal to or greater than the minimum required DSCR, or Not Applicable - xx/xx/xxxx The subject loan is an Access DSCR purchase transaction with a 70% LTV. Page 4, footnote 7 of the xxxxxxand xxxxxx DSCR Product Matrix states that short-term rental purchase transactions require a minimum 1.25 DSCR only when the LTV exceeds 75%. When the LTV is 75% or less, the minimum required DSCR is 1.00. The calculated DSCR of xxxxxx% meets the applicable requirement. Please Cancel. - xx/xx/xxxx |
2026-08-17 18:13 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131103 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 10 | xx/xx/xxxx | Credit | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Calculated Initial P&I Payment Amount does not match Initial
P&I Payment Amount. The loan file is missing the Note. |
Calculated Initial P&I Payment Amount matches Initial
Payment Amount - xx/xx/xxxx |
2026-07-08 13:44 | Resolved | 3 | 1 | 4 | 1 | |||||
| 4000130998 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 11 | xx/xx/xxxx | Credit | Cash Deposit | missing documentation verifying $xxxxxx cleared borrowers
account. Loan purpose is purchase, confirm if cash deposit has cleared
account. . Loan purpose is purchase, confirm if cash deposit has cleared
account. |
per the uw transmittal summary we provided, the $xxxxxx was
backed out of thexxxxxx for the EM due to there being more than sufficient
reserves. bank statement was provided in other condition. can we please have this waived? - xx/xx/xxxx |
Loan purpose is purchase, confirm if cash deposit has cleared
account. - xx/xx/xxxx Loan purpose is purchase, confirm if cash deposit has cleared account. Not resolved per Seller. EMD was subtracted from verified funds. - xx/xx/xxxx Loan purpose is purchase, confirm if cash deposit has cleared account. EMD was not verified, and subtracted from verified funds. - xx/xx/xxxx Loan purpose is purchase, confirm if cash deposit has cleared account. - xx/xx/xxxx Loan purpose is purchase, confirm if cash deposit has cleared account. EMD was not verified, and subtracted from verified funds. - xx/xx/xxxx per the uw transmittal summary we provided, the $xxxxxx was backed out of thexxxxxx for the EM due to there being more than sufficient reserves. bank statement was provided in other condition. can we please have this waived? - xx/xx/xxxx |
2026-06-29 14:13 | Resolved | 1 | 1 | 4 | 1 | ||||
| 4000134680 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Cash Deposit | Loan purpose is purchase, confirm if cash deposit has cleared
account. There isnt any proof the EMD funds were cleared. |
EMD not cleared nor factored into the total cash to
close/reserves. not needed to be
sourced. - xx/xx/xxxx |
Loan purpose is purchase, confirm if cash deposit has cleared
account. - xx/xx/xxxx Loan purpose is purchase, confirm if cash deposit has cleared account. Per Seller EMD was not verified. Borrower has sufficient verified funds to cover. - xx/xx/xxxx EMD not cleared nor factored into the total cash to close/reserves. not needed to be sourced. - xx/xx/xxxx |
2026-07-09 18:03 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132001 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 6 | xx/xx/xxxx | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-xxxxxx' are less than $0. 3 months
reserves are required and they have 2.89 |
xxxxxx had an ending balance of $xxxxxx as of xx/xx/xxxx Account *xxxxxx had an ending balance of $xxxxxx as of xx/xx/xxxx - xx/xx/xxxx 2 statements for account ending in *xxxxxx . Statement ending on xx/xx/xxxx has a final balance of $xxxxxx . - xx/xx/xxxx |
xxxxxx had an ending balance of $xxxxxx as of xx/xx/xxxx Account *xxxxxx had an ending balance of $xxxxxx as of xx/xx/xxxx - xx/xx/xxxx Condition upheld. The provided print-out for account ending in xxxxxx datedxx/xx/xxxx shows a balance of $xxxxxx . The actual statement in the file for account ending in xxxxxx datedxx/xx/xxxx shows a balance of $xxxxxx . Borrower is short funds to close/reserves. - xx/xx/xxxx 2 statements for account ending in *xxxxxx . Statement ending on xx/xx/xxxx has a final balance of $xxxxxx . - xx/xx/xxxx |
LTV of xxxxxx% under guideline 70% maximum. Fico xxxxxx points over minimum of xxxxxx. | 2026-07-10 17:07 | Waived | 3 | 2 | 3 | 2 | |||
| 4000130556 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-xxxxxx' are less than $0. TM QC: This
finding is duplicative of the Audited Reserves Less Than Required and Final
CD errors findings, so I rescinded it. DV Per the Final CD page 1, the borrower was required to bring $xxxxxx to closing, plus have 3 months reserves for $xxxxxx . The Bank statement only reflects a balance of $xxxxxx which leave the borrower short to close -$xxxxxx . In addition, Page 3 of the Final CD reflects a seller credit of $xxxxxx ; however, that credit wasnt added to the Calculating Cash to Close section on the Final CD. The Final Sales Contract reflected the Borrower was going to put $xxxxxx down, which is not reflected on the Final CD and the Seller is paying up to 6% of the closing cost. Total cash reserves of $xxxxxx or 1.2 months is less than required 6 months reserves. |
Total Cash reserves meets guidelines, PCCD provided with updated
cash to close. - xx/xx/xxxx |
2026-06-26 15:04 | Resolved | 1 | 1 | 3 | 1 | |||||
| 4000131157 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-xxxxxx' are less than $0. Total
verified assets-$$xxxxxx . CTC-$xxxxxx
+ 6mos res subj ($xxxxxx * 6=$xxxxxx ) + 2 mos addl res finance
properties ($xxxxxx * 2=$xxxxxx
)=$xxxxxx ($xxxxxx ) shortage. |
Document Uploaded. -
xx/xx/xxxx |
Total Cash reserves are greater than $0. - xx/xx/xxxx Document Uploaded. - xx/xx/xxxx |
2026-07-10 18:46 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131516 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Cash reserves less than required by guidelines | Insufficient reserves. Total liquid funds available are $xxxxxx
. After deducting the cash required to close of $xxxxxx , the remaining
post-closing funds are $xxxxxx . Three months of PITIA reserves are required.
Based on a monthly PITIA payment of $xxxxxx , the required reserve amount is
$xxxxxx ($xxxxxx × 3). With post-closing reserves of $xxxxxx
, there is a reserve shortfall of $xxxxxx
when compared to the required reserve amount. Total Cash reserves of
'$xxxxxx ' are less than $0. |
COC at closing to remove HOI. Use lesser cash to close CD -
xx/xx/xxxx Bumping this comment: the cash to close on the CD is $xxxxxx - where are the numbers coming from on this condition - xx/xx/xxxx |
Total Cash reserves are greater than $0. - xx/xx/xxxx COC at closing to remove HOI. Use lesser cash to close CD - xx/xx/xxxx Condition upheld. Borrower is short $xxxxxx in verified funds to close/reserves. - xx/xx/xxxx Bumping this comment: the cash to close on the CD is $xxxxxx - where are the numbers coming from on this condition - xx/xx/xxxx |
2026-06-09 19:17 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131939 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-xxxxxx' are less than $0. Guidelines
require 3 months of reserves totaling $xxxxxx
for the subject property. After closing costs, borrower has total
available assets of $xxxxxx
(xxxxxx $xxxxxx and xxxxxx
#xxxxxx $xxxxxx ). Gift funds were documented in the file and counted towards
the closing costs. Guidelines do not allow the gift funds to be used for
reserves. |
rebuttal - xx/xx/xxxx |
Condition resolved.
Assets verified. - xx/xx/xxxx Total Cash reserves are greater than $0. - xx/xx/xxxx rebuttal - xx/xx/xxxx |
2026-07-17 14:25 | Resolved | 1 | 1 | 1 | 1 | ||||
| 4000132633 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Cash reserves less than required by guidelines | The borrower was required to bring $xxxxxx to closing and have 6
months PITIA for the subject of $xxxxxx and 2 months REO for $xxxxxx. The
loan file reflects total assets of $xxxxxx, the file does contain a Gift
letter for $xxxxxx; however, those funds cannot be verified. Total Cash reserves of '$-xxxxxx' are less
than $0. Per Guidelines, Gift Funds are not acceptable to used for reserves.
|
Gift documentation provided, $xxxxxx wired directly to title co.
Gift letter, CD provided. - xx/xx/xxxx
uploaded documentation for review - xx/xx/xxxx Assets, CD, updated gift letter and title wire receipt - xx/xx/xxxx |
Total Cash reserves are greater than $0. - xx/xx/xxxx Gift documentation provided, $xxxxxx wired directly to title co. Gift letter, CD provided. - xx/xx/xxxx uploaded documentation for review - xx/xx/xxxx Per Guidelines, Gift Funds are not acceptable to used for reserves. - xx/xx/xxxx Assets, CD, updated gift letter and title wire receipt - xx/xx/xxxx |
2026-07-08 21:10 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134680 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-xxxxxx' are less than $0. The borrower
was required to bring $xxxxxx to
closing and have 6 months of reserves for $xxxxxx . The bank statements
reflect a total balance of $xxxxxx . The borrower is short to close $xxxxxx
. |
sufficient assets - xx/xx/xxxx |
Condition set in error.
Final CD was not read correctly. - xx/xx/xxxx Total Cash reserves are greater than $0. - xx/xx/xxxx sufficient assets - xx/xx/xxxx |
2026-07-09 18:04 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135672 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-xxxxxx' are less than $0. Per
guidelines the balance of the business assets must be multiplied by the
ownership percentage to determine the owner’s portion of business assets
allowed for the transaction . The loan was approved using 100% of the
business assets in the subject transaction. Per the CPA letter, the borrower
is a 50% owner of the companies, allowing use of only 50% of the funds in the
subject transaction. Accordingly this has caused a shortfall in funds to
close of $xxxxxx and a shortfall for
reserves as additional funds of $xxxxxx . Additionally, there is no 100%
accees letter from the other owners of the business assets alllowing use of
all the funds towards the subject transaction as required in this same
section of the guides. |
LOE and access letter for funds.
- xx/xx/xxxx LOE _UW RESPONSE - xx/xx/xxxx As per our underwriter this file was underwritten by OUR program guideline, and our guideline does not state that the business asset needs to be multiplied by the % of ownership... - xx/xx/xxxx As per our underwriter Our MVP DSCR Guideline does not states that business account must be multiplied by the ownership percentage. - xx/xx/xxxx |
Total Cash reserves are greater than $0. - xx/xx/xxxx LOE and access letter for funds. - xx/xx/xxxx LOE _UW RESPONSE - xx/xx/xxxx Loan is locked under xxxxxx 30 Fixed DSCR Plus and must adhere to those Guidelines. Per guidelines 11.2 the balance of the business assets must be multiplied by the ownership percentage to determine the owner’s portion of business assets allowed for the transaction . The loan was approved using 100% of the business assets in the subject transaction. Per the CPA letter, the borrower is a 50% owner of the companies, allowing use of only 50% of the funds in the subject transaction. Accordingly this has caused a shortfall in funds to close of $xxxxxx and a shortfall for reserves as additional funds of $xxxxxx . Additionally, there is no 100% access letter from the other owners of the business assets allowing use of all the funds towards the subject transaction as required in this same section of the guides. - xx/xx/xxxx As per our underwriter this file was underwritten by OUR program guideline, and our guideline does not state that the business asset needs to be multiplied by the % of ownership... - xx/xx/xxxx Document Uploaded. Condition upheld. See attached Guideline. Additional Assets are required. Loan file is missing an approved exception. - xx/xx/xxxx As per our underwriter Our MVP DSCR Guideline does not states that business account must be multiplied by the ownership percentage. - xx/xx/xxxx |
2026-07-23 17:05 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136813 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-xxxxxx' are less than $0. The loan
file contained assets of $xxxxxx . The borrower needed to bring $xxxxxx to closing and have $xxxxxx for reserves. The loan file is short to
close of $xxxxxx . |
PCCD provided reflecting gift in cash to close - xx/xx/xxxx please note the borrower only needed to bring $xxxxxx , as $xxxxxx was already received and held in escrow- can you please re-review. - xx/xx/xxxx |
Total Cash reserves are greater than $0. - xx/xx/xxxx PCCD provided reflecting gift in cash to close - xx/xx/xxxx please note the borrower only needed to bring $xxxxxx , as $xxxxxx was already received and held in escrow- can you please re-review. - xx/xx/xxxx |
2026-07-21 17:11 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137328 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 9 | xx/xx/xxxx | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-xxxxxx' are less than $0. The loan was
approved using $xxxxxx in business assets. The borrower owns 51% of the
business; therefore, per guidelines, only the borrower's ownership interest
in the business assets may be considered available for the transaction. Based
on the 51% ownership interest, only $xxxxxx is eligible to be used toward
closing. Per the Closing Disclosure, the required cash to close is $xxxxxx ,
and six months of required reserves total $xxxxxx , resulting in a total
asset requirement of $xxxxxx . Please provide documentation demonstrating
that the borrower has sufficient eligible funds to satisfy both the
cash-to-close and reserve requirements.
Total Cash reserves of '$-xxxxxx' are less than $0. |
Document Uploaded. -
xx/xx/xxxx Please see access letter for assets attached - xx/xx/xxxx Attached is the xxxxxx Account Balance with enough fund to close plus reserves. We only need 3 months of reserves NOT 6 months. - xx/xx/xxxx |
Per management, the access letter is sufficient - xx/xx/xxxx Total Cash reserves are greater than $0. - xx/xx/xxxx Document Uploaded. - xx/xx/xxxx Please see access letter for assets attached - xx/xx/xxxx Borrower's ownership in xxxxxx is only 51%, therefore only 51% of funds in the LLC account were credited to the Borrower. Total Cash reserves of '$-xxxxxx' are less than $0. - xx/xx/xxxx Attached is the xxxxxx Account Balance with enough fund to close plus reserves. We only need 3 months of reserves NOT 6 months. - xx/xx/xxxx |
2026-07-16 16:25 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000142969 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$-xxxxxx' are less than $0. Audited
reserves months are less than the guideline required reserve months. Verified
assets iao $xxxxxx and $xxxxxx from xxxxxx Bank are missing from the
file. |
This is below 65% LTV which does not require any reserves. Thank
you. - xx/xx/xxxx |
Total Cash reserves are greater than $0. - xx/xx/xxxx Finding voided. Erroneous condition. - xx/xx/xxxx Condition set in error. LTV less than 65%, no reserves required. - xx/xx/xxxx Total Cash reserves are greater than $0. - xx/xx/xxxx |
2026-09-01 22:19 | Resolved | 3 | 1 | 3 | 1 | |||
| 4000129609 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 8 of 11 | xx/xx/xxxx | Credit | Citizenship Documentation Not Provided | Borrower 1 Citizenship Documentation is missing from the file.
Could not locate copy of identification or USA patriot act disclosure. |
Patriot Act form provided for B1 & B2 - xx/xx/xxxx Patriot Act xxxxxx And xxxxxx - xx/xx/xxxx |
Patriot Act form provided for B1 & B2 - xx/xx/xxxx Patriot Act xxxxxx And xxxxxx - xx/xx/xxxx |
2026-06-08 14:41 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000131157 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Citizenship Documentation Not Provided | Borrower 1 Citizenship Documentation is missing from the file.
Final 1003 indicates borrower is a non-permanent resident alien. There is no
documentation in the file verifying this status. 4.3 NON-PERMANENT RESIDENT ALIENS 4.3.1 Non-Permanent Resident Aliens Must Meet the Following Requirements § The following Visa classifications are allowed as Non-Permanent Resident Aliens: – E-1, E-2, E-3 – H-1B – O-1 – EB-5 – L-1 – R-1 – G-1 through G-5 – NATO – TN (NAFTA)R-1 § Copies of the Borrower’s passport and unexpired visa must be obtained. Acceptable alternative documentation to verify visa classification is an I-797 form (Notice of Action) with valid extension dates and an I-94 form (Arrival / Departure Record). Borrowers unable to provide evidence of lawful residency status in the U.S. are not eligible for financing § A valid employment authorization document (EAD) must be obtained if the visa is not sponsored by the Borrower’s current employer. If the visa will expire within six (6) months of note date, it is acceptable to obtain a letter from the employer documenting the Borrower’s continued employment and continued visa renewal sponsorship (employer on the loan application must be the same as on the unexpired visa) § If a non-U.S. citizen is borrowing with a U.S. citizen, it does not eliminate visa or other residency requirements. Individuals in possession of spouse or family member vixxxxxx are to qualify as co-Borrowers only. A valid EAD must be provided to use income for qualification § Borrowers who are residents of countries which participate in the Department of Homeland Security’s Visa Waiver Program (VWP) will not be required to provide a valid visa. Participating countries can be verified through the U.S. Department of State website: https://www.dhs.gov/visa-waiver-program-requirements |
Perm Resident Card provided.
Condition resolved. - xx/xx/xxxx See attached - xx/xx/xxxx |
Borrower 1 Citizenship Documentation Provided or Not Required -
xx/xx/xxxx Perm Resident Card provided. Condition resolved. - xx/xx/xxxx Perm Resident Card provided. Condition resolved. - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-09-23 12:54 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136911 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Citizenship Documentation Not Provided | Borrower 1 Citizenship Documentation is missing from the file.
Per the lender guidelines, v8.9 - section 4.2 - PERMANENT RESIDENT ALIEN
- Acceptable evidence of lawful
permanent residency must be documented and meet one of the following
criteria: – I-151 – Permanent Resident Card (Green Card) that does not have
an expiration date – I-551 – Permanent
Resident Card (Green Card) issued for 10 years that has not expired – I-551 –
Conditional Permanent Resident Card (Green Card) issued for two (2) years
that has an expiration date, if it is accompanied by a copy of USCIS form
I-751 requesting removal of the conditions. The Final 1003 reflects the
Borrower is a Permanent resident; however, there isnt any evidence of the
I-151 or I-551. |
Naturalization certificate provided - xx/xx/xxxx corrected 1003 to us citizen, cert of naturalization - xx/xx/xxxx |
Borrower 1 Citizenship Documentation Provided or Not Required -
xx/xx/xxxx Naturalization certificate provided - xx/xx/xxxx corrected 1003 to us citizen, cert of naturalization - xx/xx/xxxx |
2026-07-21 20:02 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130771 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Closing Protection Letter is missing. | Please provide a copy of the Closing Protection Letter. The CPL
is invalid as its in the name of the TRUST. The CPL for the vested individual
is missing in the loan file. |
see attached - xx/xx/xxxx |
CPL provided. -
xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-08 20:04 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126527 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 7 | xx/xx/xxxx | Credit | Condo - Master Policy Insufficient | The master hazard insurance policy verified total coverage which
was not sufficient to cover total required coverage. he Master Condo Project
Policy is missing. A Commercial Multi Peril Quote is provided. |
attached - xx/xx/xxxx |
Commercial policy provided.
Condition resolved. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-04 17:36 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126554 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Property | Condo - Warrantability | Condominium project is not warrantable, or documentation not
provided to determine warrantability Per guidelines, on non-warrantable
condominiums, a single entity may not own more than 30% of the units.
Borrower appears to own 6 units or 35% of the units. |
attached - xx/xx/xxxx |
Approved Exception provided for: Condo Warrantability due to a
single entity owning more than 30% of the units. - xx/xx/xxxx attached - xx/xx/xxxx |
xxxxxx FICO, xxxxxx% LTV. | 2026-06-04 17:59 | Waived | 3 | 2 | 3 | 2 | |||
| 4000126527 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 7 | xx/xx/xxxx | Compliance | Condo Rider is Missing | Condo Rider is missing. |
This is a business purpose loan, a condo rider is not required
and all of the information that it typically would entail is already
incorporated into the security instrument and note. - xx/xx/xxxx |
Section 38 of mortgage included condominium verbiage -
xx/xx/xxxx This is a business purpose loan, a condo rider is not required and all of the information that it typically would entail is already incorporated into the security instrument and note. - xx/xx/xxxx |
2026-06-01 14:39 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126535 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Compliance | Condo Rider is Missing | Condo Rider is missing. The loan file is missing the Condo
Rider. |
This is a business purpose loan, a condo rider is not required
and all of the information that it typically would entail is already
incorporated into the security instrument and note. - xx/xx/xxxx |
Confirmed section 38 of mortgage included condominium verbiage.
- xx/xx/xxxx This is a business purpose loan, a condo rider is not required and all of the information that it typically would entail is already incorporated into the security instrument and note. - xx/xx/xxxx |
2026-06-01 14:37 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126543 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Compliance | Condo Rider is Missing | Condo Rider is missing. |
This is a business purpose loan, there are not riders. any necessary information is included in
the mortgage/DOT - xx/xx/xxxx |
Section 38 of mortgage included condominium verbiage -
xx/xx/xxxx This is a business purpose loan, there are not riders. any necessary information is included in the mortgage/DOT - xx/xx/xxxx |
2026-06-01 14:41 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126554 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Compliance | Condo Rider is Missing | Condo Rider is missing. |
This is a business purpose loan, a condo rider is not required
and all of the information that it typically would entail is already
incorporated into the security instrument and note. - xx/xx/xxxx |
Section 38 of mortgage included condominium verbiage -
xx/xx/xxxx This is a business purpose loan, a condo rider is not required and all of the information that it typically would entail is already incorporated into the security instrument and note. - xx/xx/xxxx |
2026-06-01 14:40 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000105626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 7 | xx/xx/xxxx | Credit | Corporation/LLC: Certificate of Good Standing Doc is Missing | The loan file does not contain the Corporation/LLC: Certificate
of Good Standing. Please provide the certificate of good standing for the
borrower's business |
good standing - xx/xx/xxxx |
Certificate of Good Standing was provided. Condition resolved. - xx/xx/xxxx good standing - xx/xx/xxxx |
2026-06-12 14:43 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000129182 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Corporation/LLC: Certificate of Good Standing Doc is Missing | The loan file does not contain the Corporation/LLC: Certificate
of Good Standing. Per guidelines, a Certificate of Good Standing is required
that is dated within 30 days of the Note date when property is vested in an
entity. This document could not be located in the loan file. |
cert of good standing - xx/xx/xxxx |
Certificate of Good Standing was provided. Condition resolved. - xx/xx/xxxx cert of good standing - xx/xx/xxxx |
2026-07-13 20:03 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130864 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Corporation/LLC: Certificate of Good Standing Doc is Missing | The loan file does not contain the Corporation/LLC: Certificate
of Good Standing. Missing Cert of Good standing for xxxxxx xxxxxx . |
COGS provided - xx/xx/xxxx |
Document Uploaded. COGS provided - xx/xx/xxxx |
2026-08-20 20:06 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133107 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 7 | xx/xx/xxxx | Credit | Corporation/LLC: Certificate of Good Standing Doc is Missing | The loan file does not contain the Corporation/LLC: Certificate
of Good Standing. Please provide the certificate of good standing for the
business that the loan is vested in |
business search active - xx/xx/xxxx Exception - xx/xx/xxxx In the state of xxxxxx certificate of good standing are for Corporations. Cert of Fact are issued for LLCs. A Certificate of Good Standing (for corporations) or a Certificate of Fact of Existence/Registration (for LLCs) verifies that a business is properly registered with the xxxxxx State Corporation Commission (SCC) and has met all filing and fee obligations as of the date on the certificate legalclarity.org legalclarity.org +1 . It is often required for activities such as obtaining financing, renewing licenses, or registering as a foreign entity in another state - xx/xx/xxxx cert of good standing - xx/xx/xxxx |
Certificate provided, condition resolved. - xx/xx/xxxx business search active - xx/xx/xxxx Condition upheld. Provide the Certificate dated within 30 days. The Certificate of fact is from xxxxxx. Exception does not cover this. - xx/xx/xxxx Exception - xx/xx/xxxx Condition upheld. Provide the Certificate dated within 30 days. The Certificate of fact is from xxxxxx. - xx/xx/xxxx In the state of xxxxxx certificate of good standing are for Corporations. Cert of Fact are issued for LLCs. A Certificate of Good Standing (for corporations) or a Certificate of Fact of Existence/Registration (for LLCs) verifies that a business is properly registered with the xxxxxx State Corporation Commission (SCC) and has met all filing and fee obligations as of the date on the certificate legalclarity.org legalclarity.org +1 . It is often required for activities such as obtaining financing, renewing licenses, or registering as a foreign entity in another state - xx/xx/xxxx Condition upheld. Per Guidelines: Certificate of Good Standing Must be dated within 30 days of closing - xx/xx/xxxx cert of good standing - xx/xx/xxxx |
2026-07-08 19:45 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000129609 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 11 | xx/xx/xxxx | Credit | Corporation/LLC: EIN Doc is Incomplete | The Corporation/LLC: EIN documentation in file is incomplete.
xxxxxx Franchise Taxpayer number is not EIN. Please provide EIN. |
EIN - xx/xx/xxxx |
EIN provided - xx/xx/xxxx EIN - xx/xx/xxxx |
2026-07-23 14:49 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000134798 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Corporation/LLC: EIN Doc is Incomplete | The Corporation/LLC: EIN documentation in file is incomplete.
Missing tax identification number for borrower business entity per Mortgage.
Guidelines require the Tax Identification Number of the Borrower Business
Entity. The xxxxxx IRS EIN number letter is for the former entity xxxxxx. An
explanation letter was provided; however, it is from the Guarantor and not
from a third party nor the IRS. |
See attached from the tax professional. - xx/xx/xxxx proof what needed - xx/xx/xxxx CPA letter attached - xx/xx/xxxx |
CPA signed letter providing EIN.
- xx/xx/xxxx See attached from the tax professional. - xx/xx/xxxx Condition upheld. Provide the IRS EIN Verification Letter. - xx/xx/xxxx proof what needed - xx/xx/xxxx Received Addendum To Purchase Contract which doesn't address the matter. Provide EIN number from third party for xxxxxx. - xx/xx/xxxx CPA letter attached - xx/xx/xxxx |
2026-07-23 18:25 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000128166 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN
documentation. Lender o provide EIN documentation missing from the loan file.
|
exception - xx/xx/xxxx
EIN - xx/xx/xxxx |
Approved exception provided for LLC does not have a Federal EIN.
- xx/xx/xxxx exception - xx/xx/xxxx Condition upheld. Document provided is from the State of WI. Provide evidence of the EIN # from the IRS. - xx/xx/xxxx EIN - xx/xx/xxxx |
Strong FICO, DSCR score of 1, and 12 months reserves. | 2026-07-13 19:56 | Waived | 3 | 2 | 3 | 2 | |||
| 4000105626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 7 | xx/xx/xxxx | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN
documentation. Please provide proof of the EIN for the borrower's business
|
EIN per IRS not required for single entity - xx/xx/xxxx |
2026-06-23 16:26 | Waived | 3 | 2 | 4 | 2 | |||||
| 4000129609 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 11 | xx/xx/xxxx | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN
documentation. Operating agreement in file. Missing the remaining guideline
required documents for entity. – Articles of Incorporation – Tax Identification Number – Certificate of Good Standing § Must be dated within 30 days of closing |
EIN provided - xx/xx/xxxx EIN and State Formation Docs - xx/xx/xxxx Operating Agreement - xx/xx/xxxx |
Tx taxpayer number is not EIN - xx/xx/xxxx EIN provided - xx/xx/xxxx EIN and State Formation Docs - xx/xx/xxxx LLC Operating agreement provided does not show EIN. Please provide documented EIN. - xx/xx/xxxx Operating Agreement - xx/xx/xxxx |
2026-07-20 18:34 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000130864 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN
documentation. EIN missing for xxxxxx xxxxxx
|
EIN provided - xx/xx/xxxx EIN for subject LLC - xx/xx/xxxx Document Uploaded. EIN provided - xx/xx/xxxx Document Uploaded. - xx/xx/xxxx |
EIN provided - xx/xx/xxxx Document Uploaded. EIN provided - xx/xx/xxxx Document Uploaded. - xx/xx/xxxx |
2026-08-20 20:08 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 8 | xx/xx/xxxx | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN
documentation. The loan file does not contain the Corporation/LLC: EIN
documentation. Operating agreement in file. Missing the remaining guideline
required documents for entity. – Articles of Incorporation – Tax
Identification Number – Certificate of Good Standing § Must be dated within
30 days of closing |
LLC Docs - xx/xx/xxxx |
Updated EIN - xx/xx/xxxx LLC Docs - xx/xx/xxxx |
2026-07-13 21:26 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000131920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 9 of 10 | xx/xx/xxxx | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN
documentation. The loan file does not contain the Corporation/LLC: EIN
documentation. Operating agreement in file. Missing the remaining guideline
required documents for entity. – Articles of Incorporation – Tax
Identification Number – Certificate of Good Standing § Must be dated within
30 days of closing. The EIN number in the loan file is different than the EIN
number on the Title. |
EIN provided, SOS , LLC cert of formation, - xx/xx/xxxx LLC docs - xx/xx/xxxx Operating Agreement - xx/xx/xxxx |
Entity formation and EIN provided - xx/xx/xxxx EIN provided, SOS , LLC cert of formation, - xx/xx/xxxx LLC docs - xx/xx/xxxx Still missing certificate of good standing, articles of incorporation, EIN. Operating agreement was previously provided. - xx/xx/xxxx Operating Agreement - xx/xx/xxxx |
2026-07-21 20:16 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000133562 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN
documentation. The EIN documentation could not be found in the loan file. |
EIN - xx/xx/xxxx |
EIN provided. Condition
resolved. - xx/xx/xxxx EIN - xx/xx/xxxx |
2026-07-14 19:30 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135008 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 7 | xx/xx/xxxx | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN
documentation. |
EIN provided - xx/xx/xxxx EIN - xx/xx/xxxx |
EIN provided - xx/xx/xxxx EIN provided - xx/xx/xxxx EIN - xx/xx/xxxx |
2026-06-22 16:18 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000135680 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN
documentation. Guidelines require Tax Identification Number documentation for
borrower business entity transactions.
|
EIN Timberex - xx/xx/xxxx |
EIN provided. Condition
resolved. - xx/xx/xxxx EIN Timberex - xx/xx/xxxx |
2026-07-02 14:16 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136755 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Corporation/LLC: EIN Doc is Missing | The loan file does not contain the Coporation/LLC: EIN
documentation. The EIN for xxxxxx could not be found in the loan documents.
|
EIN - xx/xx/xxxx |
EIN provided - xx/xx/xxxx EIN - xx/xx/xxxx |
2026-07-24 15:46 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000125645 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Corporation/LLC: Operating Agreement Doc is Incomplete | The Corporation/LLC: Operating Agreement in file is incomplete.
The title commitment and the lender's guidelines require an executed
Operating Agreement. The Operating
Agreement for xxxxxx provided in the loan file is not executed by the
Members. The borrower is 50% owner of
xxxxxx , the current owner of the subject property. Lender to provide an executed Operating
Agreement and evidence the quitclaim deed into individual name from LLC is
authorized. |
quitclaim - xx/xx/xxxx Executed Op agreement provided, missing quit claim from LLC to individual - xx/xx/xxxx operating agreement - xx/xx/xxxx |
Quitclaim from LLC to individual provided. - xx/xx/xxxx quitclaim - xx/xx/xxxx Executed Op agreement provided, missing quit claim from LLC to individual - xx/xx/xxxx Executed Op agreement provided, missing quit claim from LLC to individual - xx/xx/xxxx operating agreement - xx/xx/xxxx |
2026-07-22 18:48 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000105626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 7 | xx/xx/xxxx | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating
Agreement. Please provide the operating agreement for xxxxxx |
documents - xx/xx/xxxx articles - xx/xx/xxxx |
Operating Agreement provided.
Condition resolved. - xx/xx/xxxx documents - xx/xx/xxxx articles - xx/xx/xxxx |
2026-06-12 14:49 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000130864 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating
Agreement. Missing Cert of Operating agreement for xxxxxx xxxxxx . |
Operating agreement provided - xx/xx/xxxx |
Document Uploaded. Operating agreement provided - xx/xx/xxxx |
2026-08-20 20:09 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133531 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating
Agreement. Documentation required per guidelines could not be located in file
for is xxxxxx now known as xxxxxx ,
. 4.7.3 Required Entity Documentation § The following entity documents are required: – Articles of Incorporation – Operating Agreement (or equivalent) – Tax Identification Number |
EIN and cert of good standing for Fusion - xx/xx/xxxx |
EIN and LLC docs provided.
Condition resolved. - xx/xx/xxxx EIN and cert of good standing for Fusion - xx/xx/xxxx |
2026-07-14 19:20 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137324 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | Corporation/LLC: Operating Agreement Doc is Missing | The loan file does not contain the Corporation/LLC: Operating
Agreement. Business assets were used in the approval. Please provide the
operating agreement for the business assets used in the approval |
please re-review the CPA letter that confirms everything that is
required to utilize business assets. -
xx/xx/xxxx |
Borrower is 100% owner. Re reviewed CPA - xx/xx/xxxx please re-review the CPA letter that confirms everything that is required to utilize business assets. - xx/xx/xxxx |
2026-07-22 15:24 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131209 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as
required. The borrower was 60 days late on a revolving debt within the last 4
years. Per guidelines, all derogatory revolving and installment accounts >
sixty (60) days within four (4) years of closing require a full explanation.
this documentation is missing from the loan file. |
LOE - xx/xx/xxxx |
LOE from Borrower explaining the late payment xx/xx/xxxx was
provided. Condition resolved. -
xx/xx/xxxx LOE - xx/xx/xxxx |
2026-07-10 17:38 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132762 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as
required. Please provide Letter of explanation (LOE) and or supporting
documents to support DSCR of 1.0. The DSCR calculation could not be
validated. The calculation includes an unsupported $xxxxxx monthly
"Other" expense with no documentation identifying the charge or
confirming it pertains to the subject property. Additionally, the monthly
real estate taxes reflected on the 1008 and 1003 do not reconcile with the
tax documentation in the file. Using the supported tax amount, verified
insurance, and the documented monthly lease income of $xxxxxx , the
calculated DSCR is xxxxxx, resulting in a 0.31 variance. Please provide an
updated 1008 reflecting the supported figures or documentation supporting the
additional $xxxxxx monthly "Other" expense and any other supporting
documents included in the DSCR calculation. |
explanation letter --shows delinquency on student loan
incidental and immediately remediated - xx/xx/xxxx |
Received the updated 1003 removing the additional $xxxxxx - xx/xx/xxxx explanation letter --shows delinquency on student loan incidental and immediately remediated - xx/xx/xxxx |
2026-07-23 18:46 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133107 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 7 | xx/xx/xxxx | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as
required. Per guidelines, a Letter of Explanation (LOE) by the Borrower /
Guarantor is required to detail relevant real estate experience. This
documentation is missing from the loan file.
|
LOE - xx/xx/xxxx |
LOE from Borrower's was provided. Condition resolved. - xx/xx/xxxx LOE - xx/xx/xxxx |
2026-06-29 13:50 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000136580 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as
required. The credit report reflects multiple revolving and installment lates
>60 days between xxxxxx and xxxxxx. xxxxxx guidelines section 7.4.2
requires a letter of explanation for all revolving and installment derogatory
accounts with lates >60 days within 4 years of closing. The LOE was not
found in the file. |
please see attached -
xx/xx/xxxx |
Signed LOE from Borrower was provided. Condition resolved. - xx/xx/xxxx please see attached - xx/xx/xxxx |
2026-07-20 19:11 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 8 | xx/xx/xxxx | Credit | Credit Documentation - Lien Documentation | The loan file did not contain sufficient documentation to verify
the (senior/subordinate) lien as required. Lender to clarify the discrepancy
between the mortgage statement indicating "multiple properties" and
the title documentation provided. Confirm whether the existing indebtedness
is secured solely by the subject property or by multiple properties
(cross-collateralized/blanket lien). If multiple properties secure the debt,
provide documentation demonstrating the subject property may be released and
refinanced independently, or provide evidence that all collateral is being
refinanced as required. |
payoff docs - not secured by multiple properties - xx/xx/xxxx Updated title report - xx/xx/xxxx |
Updated the payoff information - xx/xx/xxxx payoff docs - not secured by multiple properties - xx/xx/xxxx If multiple properties secure the debt, provide documentation demonstrating the subject property may be released and refinanced independently, or provide evidence that all collateral is being refinanced as required. - xx/xx/xxxx Updated title report - xx/xx/xxxx |
2026-07-23 16:39 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000129609 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 11 | xx/xx/xxxx | Credit | Credit Documentation - Mortgage History | The loan file did not contain sufficient mortgage payment
history. Missing loan statement for primary and all REO properties showing
due for xx/xx/xxxx , due to subject property closedxx/xx/xxxxStatements in
file validate current for xxxxxx, due for xx/xx/xxxx payments. |
mORTGAGE LOAN STATEMENT FROM xxxxxx - xx/xx/xxxx VOM - xx/xx/xxxx |
payment history on primary provided - xx/xx/xxxx mORTGAGE LOAN STATEMENT FROM xxxxxx TO xxxxxx - xx/xx/xxxx VOM received for subject property. Missing VOM for primary residence and Investment onxxxxxx. - xx/xx/xxxx VOM - xx/xx/xxxx |
2026-06-17 14:30 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 14 of 14 | xx/xx/xxxx | Credit | Credit Documentation - Undisclosed Liabilities | An undisclosed liability was found on the updated credit report
that was not located on the original credit report. Per Fraud Report it
appears Borrower may own two undisclosed REO's.xxxxxx & xxxxxx |
xxxxxx in Business
Name xxxxxx not in his property - xx/xx/xxxx Those properties are not owned by him they are under his business - xx/xx/xxxx |
Evidence provided showing Undisclosed REO's not Borrower's. Condition resolved. - xx/xx/xxxx xxxxxx in Business Name xxxxxx not in his property - xx/xx/xxxx Condition upheld. Provide evidence of such. - xx/xx/xxxx Those properties are not owned by him they are under his business - xx/xx/xxxx |
2026-07-02 17:09 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130784 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 6 | xx/xx/xxxx | Credit | Credit Profile - Insufficient Tradelines | The documented tradelines do not meet the minimum tradelines
required per guidelines. Per guidelines, the borrower is required to have a
minimum of two (2) trade lines within the last twenty-four (24) months that
show a twelve (12) month history (open or closed). The borrower has 2
tradelines open, but one reflects the borrower as an authorized user, which
is not allowed. A formal exception is located in the loan file but states the
borrower is an experienced investor and not other exceptions are allowed. The
borrower is an inexperienced investor with a DSCR below 1 and will require an
exception. |
Exception for tradeline requirements. Borrower has 1 current
tradeline. Exception approved. -
xx/xx/xxxx |
xxxxxx FICO. Low debt exposure. Experienced Investor, more than 6 months reserves. | 2026-07-02 18:02 | Waived | 3 | 2 | 3 | 2 | ||||
| 4000135918 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | Credit Profile - Insufficient Tradelines | The documented tradelines do not meet the minimum tradelines
required per guidelines. Per lender Guidelines Nono-QM Guidelines, v1.1 dated
xx/xx/xxxx - Section 7.4.1 Tradelines, Three (3) open tradelines rated for at
least twelve (12) months (activity not required). The borrower has 2
Tradeline open for 4 months and 25 months, the Co-borrower has 1 Tradeline
open for 52 months and there is a joint tradeline open for 22 months. The
Borrowers Income is derived from rentals owned by borrower 1 (using B1 FICO).
Tradeline requirements not met. Borrowers are US citizens who have been
living abroad up until xxxxxx and purchasing primary residence in the US now
- as a result has minimal US credit. Exception approved; loan must be full documentation for rental income and subject to final review. No other exceptions allowed. Comp factors include Strong REO ownership via investment, LOW DTI and strong residual income, fico xxxxxx. |
The Borrowers have a mid FICO score of xxxxxx and xxxxxx which is 20+ above min required. The DTI is 15% below max allowed. Residual income $xxxxxx above the program minimum required which is xxxxx. | 2026-07-09 20:38 | Waived | 2 | 2 | 4 | 2 | |||||
| 4000137328 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 9 | xx/xx/xxxx | Credit | Credit Profile - Insufficient Tradelines | The documented tradelines do not meet the minimum tradelines
required per guidelines. The borrower has 2 open tradelines, but is an
authorized user on 1. Per guidelines, Each Borrower’s credit profile must
include a minimum of two (2) trade lines within the last twenty-four (24)
months that show a twelve (12) month history. Authorized user accounts will
not be included in the number of tradelines. |
Please see credit report supplement. - xx/xx/xxxx |
Credit Supp provided. Condition resolved. - xx/xx/xxxx Please see credit report supplement. - xx/xx/xxxx |
2026-07-15 15:03 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132765 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | Disclosure - CHARM Booklet/Late | CHARM Booklet not provided within 3 days of application date.
|
Lock Changed from Fixed to ARM on 5/29 - xx/xx/xxxx |
Booklet was provided timely after program change - xx/xx/xxxx Lock Changed from Fixed to ARM on xxxxxx- xx/xx/xxxx |
2026-06-30 14:59 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133210 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Compliance | Disclosure - Mortgage Riders Incomplete/Inaccurate | The loan file verified that the Mortgage Riders were
incomplete/inaccurate. Lender to provide PUD and Prepayment Penalty Riders
missing from the loan file. |
MTG - xx/xx/xxxx |
1-4, PUD and PPP riders provided - xx/xx/xxxx MTG - xx/xx/xxxx |
2026-07-24 15:54 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000128602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | DTI - Missing Debts/DTI Within Tolerance (43%) | The DTI did not reflect all of the borrower's debts, however,
the recalculated DTI is still within allowable tolerances (3%) or 43% MAX.
Condition resolved, DTI within guidelines.
|
Condition resolved, DTI within guidelines. - xx/xx/xxxx |
2026-07-07 18:39 | Resolved | 1 | 1 | 1 | ||||||
| 4000133639 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 6 | xx/xx/xxxx | Credit | Eligibility - Borrower Identity | The loan file reflected potential identity issues. Per
xxxxxx NON-QM Section 4.8. of the
guides regarding Vesting in the Name of an Entity - A Borrowing Resolution and Incumbency
Certificate (LLC Borrowing Resolution/Corporate Borrowing Resolution) is
required and is missing in the loan file. |
Attached is the executed xxxxxx
Borrowing Resolution forxxxxxx . The resolution is datedxx/xx/xxxx,
identifies xxxxxx and xxxxxx as members, approves the $xxxxxx loan from
xxxxxx secured by xxxxxx , and is
executed by both members. The Operating Agreement in the file also confirms
xxxxxx and xxxxxx as the two 50% members ofxxxxxx . Please
Clear. - xx/xx/xxxx |
LLC Borrowing Resolution was provided. Condition resolved. -
xx/xx/xxxx Attached is the executed xxxxxx Borrowing Resolution forxxxxxx . The resolution is datedxx/xx/xxxx, identifies xxxxxx and xxxxxx as members, approves the $xxxxxx loan from xxxxxx secured by xxxxxx , and is executed by both members. The Operating Agreement in the file also confirms xxxxxx and xxxxxx as the two 50% members ofxxxxxx . Please Clear. - xx/xx/xxxx |
2026-08-11 13:20 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000134708 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Eligibility - Borrower Identity | The loan file reflected potential identity issues. Missing
verification of the borrower's identity.
|
See attached -
xx/xx/xxxx |
Patriot Act Form provided.
Condition resolved. - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-10 13:43 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126117 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 6 | xx/xx/xxxx | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline
requirements. Requesting an exception to proceed with a borrower who is both
short the landlord history requirement of 12 months and the housing history
requirement of 12 months. The borrower lives rent free and has only owned the
subject property for 10 months so does not have the required landlord history
or housing history. |
The Borrower's compensating factors are Strong DSCR (xxxxxx),
High fico (xxxxxx), Low LTV (xxxxxx%). The Exception approved-loan subject to final review with no additional exceptions. Comp factors include: Strong DSCR (xxxxxx), High fico (xxxxxx), Low LTV (xxxxxx%) |
2026-06-12 21:45 | Waived | 2 | 2 | 3 | 2 | |||||
| 4000131631 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline
requirements. Rents are $xxxxxx .00 and PITIA $xxxxxx DSCR under 1.0 |
Please see our UW response -
I'd like you to push back to $xxxxxx . They do/did a Pre-Closing
Review audit, before we funded. I have attached their pre-closing review
above. They notate the DSCR is xxxxxx
on the bottom of page 1 of 2. They issued no Pre-Funding Findings. The
UW's HP calculator rounded it to 1.00, it was an oversight. So max LTV is 75%
and we went to 76% also not noted in their finding or pre-closing review. -
xx/xx/xxxx |
Exception provided. First time investor. mis calculation by
seller. 1st time investor under 1% DSCR. LTV over maximum by 1.5%. Approved,
subject to final review with no additional exceptions. Verification of comp
factors. - xx/xx/xxxx Please reach out to $xxxxxx , this will require exception. - xx/xx/xxxx Please see our UW response - I'd like you to push back to $xxxxxx . They do/did a Pre-Closing Review audit, before we funded. I have attached their pre-closing review above. They notate the DSCR is xxxxxx on the bottom of page 1 of 2. They issued no Pre-Funding Findings. The UW's HP calculator rounded it to 1.00, it was an oversight. So max LTV is 75% and we went to 76% also not noted in their finding or pre-closing review. - xx/xx/xxxx |
Strong FICO xxxxxx, 0x30x12, strong reserves | 2026-07-28 20:17 | Waived | 3 | 2 | 3 | 2 | |||
| 4000128830 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline
requirements. Missing investor
experience letter of explanation as required per guidelines. |
LOX - xx/xx/xxxx |
Loan file meets guidelines.
DSCR>1, FICO >xxxxxx, no other exceptions on file and not a
FTHB. Condition resolved. -
xx/xx/xxxx LOX - xx/xx/xxxx |
2026-06-04 21:33 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000130784 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 6 | xx/xx/xxxx | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline
requirements. Conflicting information regarding the borrower's rental
experience. She owns no property in
her name. Primary is under an LLC owned free & clear per the property
report in file The other property is an industrial warehouse in xxxxxx .
Borrower has 6.04% ownership per the xxxxxx K-1 in file. She took a loss on the property. I checked
a couple of online sources and the property looks vacant. This is where B1
states their investor experience is stemming from. |
Documentation provided to confirm history of investor
experience. - xx/xx/xxxx it's leased to multiple tenants (see attached - page 3 of the xxxxxx search shows the different tenants - xx/xx/xxxx |
Yes - xx/xx/xxxx The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx Yes - xx/xx/xxxx The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx Documentation provided to confirm history of investor experience. - xx/xx/xxxx it's leased to multiple tenants (see attached - page 3 of the xxxxxx search shows the different tenants - xx/xx/xxxx |
2026-07-02 17:57 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000131951 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline
requirements. Although the borrower provided a letter stating prior property
management experience, the property referenced is titled in the name of a
non-borrower. As a result, the borrower is considered a first-time investor
under program guidelines. First-time investors are eligible provided the Debt
Service Coverage Ratio (DSCR) exceeds 1.00, the credit score is greater than
700, and no exceptions are required. The audited DSCR is below 1.00, and an
exception is necessary to support the loan-to-value ratio, resulting in the
transaction not meeting standard guideline requirements for a first-time
investor. Condition resolved, recalculation of DSCR was over 1.0 and this no
longer applies. The audited DSCR is below 1.00, and an exception is necessary
to support the loan-to-value ratio, resulting in the transaction not meeting
standard guideline requirements for a first-time investor. |
The audited DSCR is below 1.00, and an exception is necessary to
support the loan-to-value ratio, resulting in the transaction not meeting
standard guideline requirements for a first-time investor. - xx/xx/xxxx |
2026-07-07 17:57 | Resolved | 1 | 1 | 1 | ||||||
| 4000136315 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 6 | xx/xx/xxxx | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline
requirements. Unsupported Investor Experience as stated in xxxxxx G/L's section 9.5: The borrower's credit
report supports no recent mortgage payment history. The file is missing the
property detail reports for the other properties xxxxxx identified on the borrower's investor
experience LOE to support the investor experience. Inexperience investor not
met with a rent free letter provided as 12 month mortgage/housing history is
not in file for the primary residence. The VOM and mortgage statement for the
loan being paid off is in the name of a non-affiliated party and the current
vesting business. |
proof of experience - xx/xx/xxxx |
documentation meet requirements - xx/xx/xxxx proof of experience - xx/xx/xxxx |
2026-07-22 15:29 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000140246 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline
requirements. Documentation to support that the borrower owns property in her
name or owns a business that owns property to support that she is not a First
Time Home Buyer was not found in the loan documents. A fraud alert was
cleared stating documentation was provided but was not found. |
Mortgage statement provided to confirm property is owned by
owner of. Not First time home buyer. -
xx/xx/xxxx We have a mortgage statement from xxxxxx under xxxxxx which our borrower is an owner of said Corp. - xx/xx/xxxx attached - xx/xx/xxxx |
Yes - xx/xx/xxxx The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx The borrower(s) investor experience does meet guideline requirements. - xx/xx/xxxx Yes - xx/xx/xxxx Mortgage statement provided to confirm property is owned by owner of. Not First time home buyer. - xx/xx/xxxx We have a mortgage statement from xxxxxx under xxxxxx which our borrower is an owner of said Corp. - xx/xx/xxxx Certificate of incorporation does not confirm ownership of property to verify borrower owns property and is not a first time homebuyer. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-08-04 14:56 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132001 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 6 | xx/xx/xxxx | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. Missing tax documentation to
validate $xxxxxx annual taxes |
Subject property sits on 2 parcels, both tax certs are attached.
- xx/xx/xxxx |
Both Tax Certs (subject is on two separate parcels) were
provided. Condition resolved. -
xx/xx/xxxx Evidence of property tax is present - xx/xx/xxxx Subject property sits on 2 parcels, both tax certs are attached. - xx/xx/xxxx |
2026-06-11 15:13 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000133107 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 7 | xx/xx/xxxx | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. Please provide documentation
to support the monthly tax payment of $xxxxxx. |
Tax Bill - xx/xx/xxxx |
Tax bill provided.
Condition resolved. - xx/xx/xxxx Evidence of property tax is present - xx/xx/xxxx Tax Bill - xx/xx/xxxx |
2026-06-25 20:21 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000132735 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Executed Exchange Agreement/Forward Sales Agreement Missing | The loan file does not contain the executed Exchange
Agreement/Forward Sale Agreement as required. The exchange agreement in file
has not been signed by the borrowers |
attached - xx/xx/xxxx |
Executed Exchange Agreement/Forward Sale Agreement was
provided. Condition resolved. -
xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-26 14:30 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000134559 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 6 | xx/xx/xxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure Received Date of (xxxxxx) is not
three business days before the consummation date of (xxxxxx). Three business
days before the consummation date is (20260617). Under Regulation Z, a
consumer must receive the Initial Closing Disclosure reflecting the actual
terms of the transaction no later than three business days before
consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The Initial
Closing disclosure is missing. N/A;
known NJ fee labeling issue. |
signed icd - xx/xx/xxxx |
Received electronic delivery of ICD - xx/xx/xxxx signed icd - xx/xx/xxxx . - xx/xx/xxxx - xx/xx/xxxx |
2026-07-02 18:26 | Resolved | 1 | 1 | 4 | 1 | ||||
| 4000134559 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 5 of 6 | xx/xx/xxxx | Compliance | Federal - Closing Disclosure and Consummation Date | The Initial Closing Disclosure was provided on (xxxxxx) via
(xxxxxxFirstClassMail). Under Regulation Z, a consumer must receive the
Initial Closing Disclosure reflecting the actual terms of the transaction not
later than three business days prior to the consummation date of (xxxxxx).
Since the Initial Closing Disclosure was not provided in person, a consumer
is considered to have received it on (xx/xx/xxxx), which is three business
days after it was delivered or placed in the mail. Since the Initial Closing
Disclosure was not provided to the consumer in person, it should have been
provided to the consumer no later than (xxxxxx), for consummation to occur on
(xxxxxx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) . Initial CD was
not signed and electronic delivery was not evidenced in the loan file |
signed icd - xx/xx/xxxx |
Received electronic delivery of ICD - xx/xx/xxxx - xx/xx/xxxx signed icd - xx/xx/xxxx |
2026-07-02 18:26 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000104426 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | The loan disbursement date (xxxxxx) is earlier than, or the same
day as, the calculated "Right to Cancel Expire Date" (xxxxxx).
Under Regulation Z, funds may not be disbursed to the borrower until after
the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and
Official Staff Commentary) ROR in file is signed by the borrowers on
xx/xx/xxxx with an expiration date of xx/xx/xxxx. Per Final CD dated
xx/xx/xxxx, the Disbursement date is xx/xx/xxxx. Disbursement date is before
the end of the statutory recission period. |
PCCD - xx/xx/xxxx |
Received PCCD correcting the disbursement date - xx/xx/xxxx Resolved - xx/xx/xxxx PCCD - xx/xx/xxxx |
2026-01-08 15:59 | Resolved | 3 | 1 | 3 | 1 | ||
| 4000131157 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Compliance | Final CD: Prepayment Penalty is missing or inaccurate | Final CD has prepayment penalty $xxxxxx.xxxxxx input
3,2,1%/36mos/original balance-$xxxxxx |
See attached -
xx/xx/xxxx |
Received LOE to the borrower and
PCCD correcting the amount of the prepayment maximum penalty -
xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-14 14:19 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135925 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | Final CD: Prepayment Penalty is missing or inaccurate | Lender to provide corrected executed final HUD disclosing the
Prepayment Penalty. |
attached - xx/xx/xxxx |
Received final settlement statement with the prepayment penalty
disclosed on page 2 - xx/xx/xxxx attached - xx/xx/xxxx |
2026-07-01 13:59 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130604 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Please
provide the final settlement statement for the subject property |
See attached -
xx/xx/xxxx |
Final HUD-1 Document is not missing or estimated only. -
xx/xx/xxxx See attached - xx/xx/xxxx |
2026-09-02 14:31 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131103 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 10 | xx/xx/xxxx | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. The loan
file is missing the final CD. |
Updated the loan file with the missing documents - xx/xx/xxxx
full pkg to review - xx/xx/xxxx |
Final HUD-1 Document is not missing or estimated only. -
xx/xx/xxxx Updated the loan file with the missing documents - xx/xx/xxxx full pkg to review - xx/xx/xxxx |
2026-09-02 14:28 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132720 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 7 | xx/xx/xxxx | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. The final
closing disclosure/HUD-1 could not be found in the loan documents. |
Corrected HUD attached - xx/xx/xxxx Closing HUD attached - xx/xx/xxxx |
Final Settlement Statement provided. Condition resolved. -
xx/xx/xxxx Final HUD-1 Document is not missing or estimated only. - xx/xx/xxxx Corrected HUD attached - xx/xx/xxxx Condition upheld. Settlement statement provided and the several in file has a Disbursement Date of xx/xx/xxxxPrepaid Interest to and from are xx/xx/xxxx - xx/xx/xxxx Closing HUD attached - xx/xx/xxxx |
2026-09-02 14:20 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000134596 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Provide
final HUD-1 reflecting the settlement date.
|
Final settlement statement provided - xx/xx/xxxx Please see attached - xx/xx/xxxx |
Final HUD-1 Document is not missing or estimated only. -
xx/xx/xxxx Final settlement statement provided - xx/xx/xxxx Please see attached - xx/xx/xxxx |
2026-07-22 20:37 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137238 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 6 | xx/xx/xxxx | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. Please
provide the final settlement statement |
Final HUD-1 Document is not missing or estimated only. -
xx/xx/xxxx |
2026-09-02 14:21 | Resolved | 3 | 1 | 4 | 2 | |||||
| 4000138731 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. The
settlement statement in the file is illegible. Please provide a legible copy
of the settlement statement. |
Please see Settlement Statement is attached - xx/xx/xxxx |
Final HUD-1 Document is not missing or estimated only. -
xx/xx/xxxx Documentation is sufficient - xx/xx/xxxx Please see Settlement Statement is attached - xx/xx/xxxx |
2026-09-02 14:24 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000104038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 9 | xx/xx/xxxx | Credit | Flood Certificate Missing | Missing flood certificate. |
Flood cert - xx/xx/xxxx |
Flood Cert provided. Not
is flood zone. - xx/xx/xxxx Flood Certificate is fully present - xx/xx/xxxx Flood cert - xx/xx/xxxx |
2025-12-15 15:26 | Resolved | 4 | 1 | 4 | 1 | |||
| 4000130998 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 11 | xx/xx/xxxx | Credit | Flood Certificate Missing | Missing flood certificate. Flood cert not in file |
flood - xx/xx/xxxx |
Flood Cert provided.
Condition resolved. - xx/xx/xxxx Flood Certificate is fully present - xx/xx/xxxx flood - xx/xx/xxxx |
2026-06-24 15:28 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 14 | xx/xx/xxxx | Credit | Flood Certificate Missing | Missing flood certificate. |
Updated Appr - xx/xx/xxxx Flood cert - xx/xx/xxxx |
Updated Appraisal and Flood Cert provided. Subject not in Flood Zone. Condition resolved. - xx/xx/xxxx Flood Certificate is fully present - xx/xx/xxxx Updated Appr - xx/xx/xxxx Condition upheld. Flood Cert shows Zone X. Appraiser states Zone AE, there is a current Flood Policy in File. Provide explanation and further evidence as to the correct flood zone. - xx/xx/xxxx Flood cert - xx/xx/xxxx |
2026-06-26 14:43 | Resolved | 1 | 1 | 3 | 1 | ||||
| 4000134573 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Flood Certificate Missing | Missing flood certificate. Flood cert for the subject property
was not in the file. |
flood cert - xx/xx/xxxx |
Flood Cert provided.
Condition resolved. - xx/xx/xxxx Flood Certificate is fully present - xx/xx/xxxx flood cert - xx/xx/xxxx |
2026-07-09 16:41 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000135943 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 7 | xx/xx/xxxx | Credit | Flood Certificate Missing | Missing flood certificate. |
attached - xx/xx/xxxx |
Flood Certificate is fully present - xx/xx/xxxx attached - xx/xx/xxxx |
2026-07-10 17:31 | Resolved | 4 | 1 | 4 | 2 | ||||
| 4000139413 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Flood Certificate Missing | Missing flood certificate. Missing evidence of flood
certificate. |
Flood Cert provided - xx/xx/xxxx flood report - xx/xx/xxxx |
Flood Certificate is fully present - xx/xx/xxxx Flood Cert provided - xx/xx/xxxx flood report - xx/xx/xxxx |
2026-07-28 13:25 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000132761 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Credit | Flood Certificate Partially Provided | Flood certificate is partially provided. Flood cert has portion
of it that is illegible. |
See attached -
xx/xx/xxxx |
Flood Cert provided.
Condition resolved. - xx/xx/xxxx Flood Certificate is fully present - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-01 20:35 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000130091 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Flood Insurance Required | Flood policy is required. Please provide a copy of the flood
certification |
Flood policy -
xx/xx/xxxx |
Flood Policy provided.
Condition resolved. - xx/xx/xxxx Validation Resolved - xx/xx/xxxx Flood policy - xx/xx/xxxx |
2026-07-13 17:50 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136315 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 6 | xx/xx/xxxx | Credit | Fraud Report - Fraud Alerts | The credit report in the loan file verified a fraud alert that
was not sufficiently addressed. Fraud Report hit for SSN and DOB. A current
driver's license is provided to validate the DOB. The SSA-89 validation or SS
card is missing in the loan file. |
SSA - xx/xx/xxxx UW Cert- fraud - xx/xx/xxxx |
documentation meet requirements - xx/xx/xxxx SSA - xx/xx/xxxx Condition upheld. Documentation provided is not for the subject loan. - xx/xx/xxxx UW Cert- fraud - xx/xx/xxxx |
2026-07-22 15:33 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000125645 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Missing supporting
documentation to clear High Alert 5106 - Verified 2-4 unit. The alert indicates the land use for
subject property is different than the input property usage type. The hazard policy provided indicates the
subject is a duplex. Lender to provide
evidence the subject is a legally permitted 4-plex as approved. |
hoi - xx/xx/xxxx |
Updated HOI and RCE, and Fraud Report were provided. Condition resolved. - xx/xx/xxxx All Fraud Report Alerts have been cleared or None Exist - xx/xx/xxxx hoi - xx/xx/xxxx |
2026-07-08 17:21 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000129214 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Third party fraud report
provided has uncleared alerts with an Auto Refer score. |
see attached report - xx/xx/xxxx |
Cleared Fraud Report provided.
Condition resolved. - xx/xx/xxxx All Fraud Report Alerts have been cleared or None Exist - xx/xx/xxxx see attached report - xx/xx/xxxx |
2026-07-01 17:31 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133042 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Fraud report
datedxx/xx/xxxxhows an uncleared high alert and a risk score of xxxxxx. |
Fraud provided - xx/xx/xxxx Fraud report - xx/xx/xxxx 1008- Transmittal Summary - xx/xx/xxxx |
All Fraud Report Alerts have been cleared or None Exist -
xx/xx/xxxx Fraud provided - xx/xx/xxxx Fraud report - xx/xx/xxxx Condition upheld. 1008 provided stating All Alerts were cleared prior to Final was provided. Provide the cleared Fraud Report. - xx/xx/xxxx 1008- Transmittal Summary - xx/xx/xxxx |
2026-07-23 19:25 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134305 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Gift Letter - Missing | A required gift letter was missing from the file and/or the
donor funds were not verified. Please provide the gift letter |
See attached -
xx/xx/xxxx |
Gift Letter provided.
Condition resolved. - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-15 20:52 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000138787 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | Gift Letter - Missing | A required gift letter was missing from the file and/or the
donor funds were not verified. The gift letter provided reflects a gift
amount of $xxxxxx ; however, the corresponding check is in the amount of
$xxxxxx . Please provide an updated gift letter that accurately reflects the
amount of the gift funds provided. |
attached - xx/xx/xxxx |
Corrected gift letter provided - xx/xx/xxxx attached - xx/xx/xxxx |
2026-07-21 20:27 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131641 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 6 | xx/xx/xxxx | Credit | Hazard Insurance - Other Insurance Incomplete | The policy verifying other property insurance is not complete.
Lender to provide rent loss coverage equal to min of 6 months fair market
rent. |
see attached - xx/xx/xxxx
see attached - xx/xx/xxxx |
New HOI Policy provided.
Condition resolved. - xx/xx/xxxx see attached - xx/xx/xxxx Condition upheld. Provide the HOI Policy showing Rent Loss Coverage. A processor's Cert does not sufice. - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-14 16:28 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133169 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | Hazard Insurance - Other Insurance Incomplete | The policy verifying other property insurance is not complete.
Lender to provide a minimum of 6 months fair market rent rental loss coverage. |
Please see attached HOI policy which includes in excess of the
required 6 months, rent loss, at 12-months.
- xx/xx/xxxx |
HOI Policy showing Loss of Rent Coverage was provided. Condition resolved. - xx/xx/xxxx Please see attached HOI policy which includes in excess of the required 6 months, rent loss, at 12-months. - xx/xx/xxxx |
2026-06-30 20:37 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000128806 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Hazard Insurance - Other Insurance Missing | The policy verifying other property insurance is missing from
the loan file. HOI Policy provided does not cover 6 months rent loss as
required per guidelines. Monthly rent
is $xxxxxx x 6 = $xxxxxx . Coverage
per HOI Policy provided is $xxxxxx . |
Please see attached Policy with updated loss of rents in the
amount of $xxxxxx - xx/xx/xxxx dwelling coverages of $xxxxxx exceeds the $xxxxxx minimum required. - xx/xx/xxxx |
Corrected HOI Policy provided.
Condition resolved. - xx/xx/xxxx Please see attached Policy with updated loss of rents in the amount of $xxxxxx - xx/xx/xxxx Condition upheld. HOI Policy provided does not cover 6 months rent loss as required per guidelines. Monthly rent is $xxxxxx x 6 = $xxxxxx . Coverage per HOI Policy provided is $xxxxxx . - xx/xx/xxxx dwelling coverages of $xxxxxx exceeds the $xxxxxx minimum required. - xx/xx/xxxx |
2026-07-06 19:16 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000128806 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required
coverage amount. Lender to provide an updated hazard insurance dec page that
includes the dwelling coverage and rent loss coverage of at least 6 months.
Dwelling coverage needs to be at least $ $xxxxxx to cover the loan amount. |
attached - xx/xx/xxxx |
HOI Policy provided.
Condition resolved. - xx/xx/xxxx Coverage Amount - Hazard Insurance of $xxxxxx is equal to or greater than Required Coverage Amount of $xxxxxx - xx/xx/xxxx attached - xx/xx/xxxx |
2026-07-06 19:15 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137840 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required
coverage amount. Hazard Insurance Coverage Amount of $xxxxxx is less than
Total Amount of Subject Lien(s) of $xxxxxx
|
Cost estimator provided - xx/xx/xxxx See attached RCE - xx/xx/xxxx |
Coverage Amount - Hazard Insurance of $xxxxxx is equal to or
greater than Required Coverage Amount of $xxxxxx - xx/xx/xxxx Cost estimator provided - xx/xx/xxxx See attached RCE - xx/xx/xxxx |
2026-07-21 12:51 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000138732 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Hazard Insurance Coverage is less than all Subject Lien(s) | Hazard Insurance Coverage Amount of $xxxxxx is less than Total
Amount of Subject Lien(s) of $xxxxxx
The subject loan amount is $xxxxxx
but the hazard policy reflects coverage of only $xxxxxx A replacement cost estimator was not
provided. |
attached - xx/xx/xxxx |
Hazard Insurance Coverage Amount of $xxxxxx is equal to or
greater than Total Amount of Subject Lien(s) or Guaranteed Replacement
Coverage is present - xx/xx/xxxx Coverage updated to $xxxxxx - xx/xx/xxxx attached - xx/xx/xxxx |
2026-07-29 15:53 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131641 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 6 | xx/xx/xxxx | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard insurance effective date is after the disbursement date.
|
we have valid insurance as of the closing- the changed insurance
was dated after. - xx/xx/xxxx |
HOI Company was changed after closing. A valid HOI policy was in effect at
closing. Condition resolved. -
xx/xx/xxxx Hazard Insurance Effective Date of xxxxxx is prior to or equal to the Disbursement Date of xxxxxx Or the Date(s) Are Not Provided - xx/xx/xxxx we have valid insurance as of the closing- the changed insurance was dated after. - xx/xx/xxxx |
2026-07-15 17:44 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136867 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard insurance effective date is after the disbursement date.
HOI effective date of xx/xx/xxxx is after disbursement date of xx/xx/xxxx |
Updated HOI provided - xx/xx/xxxx File disbursed on xxxxxx in which our policy is in effect same day - xx/xx/xxxx |
Hazard Insurance Effective Date ofxx/xx/xxxx is prior to or equal to the Disbursement
Date ofxx/xx/xxxx Or the Date(s) Are
Not Provided - xx/xx/xxxx Updated HOI provided - xx/xx/xxxx File disbursed on xxxxxx in which our policy is in effect same day - xx/xx/xxxx |
2026-07-22 18:51 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130998 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 11 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Missing | Missing hazard insurance policy. HOI policy not in file |
hoi - xx/xx/xxxx |
HOI Policy provided.
Condition resolved. - xx/xx/xxxx Hazard Insurance Policy was provided. - xx/xx/xxxx hoi - xx/xx/xxxx |
2026-06-24 15:28 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000135943 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 7 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Missing | Missing hazard insurance policy. |
attached - xx/xx/xxxx |
Hazard Insurance Policy was provided. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-07-10 17:31 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000136867 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Missing | Missing hazard insurance policy. The insurance policy paid at
closing with xxxxxx Insurance could
not be found in the loan documents. |
HOI provided - xx/xx/xxxx See attached - xx/xx/xxxx |
Hazard Insurance Policy was provided. - xx/xx/xxxx HOI provided - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-22 18:51 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000125645 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. The hazard policy
provided states the subject property is a xxxxxx square foot 2 Family
Residence; however, per the appraisal the subject property is a xxxxxx square
foot 4-Unit property. Lender to
provide updated hazard policy or letter of explanation. |
hoi - xx/xx/xxxx |
Updated HOI and RCE were provided. Condition resolved. - xx/xx/xxxx hoi - xx/xx/xxxx |
2026-07-08 17:19 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000129609 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 11 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. Rent loss
guidelines-Rent loss insurance for the subject property is required and must
equal at least six (6) months of local average monthly rents (Rent
xxxxxx*6=$xxxxxx). Per declaration page loss of use $xxxxxx, short guideline
requirements |
HOI provided, Loss of use confirmed xxxxxx. Coverage is
enough. - xx/xx/xxxx Updated HOI - xx/xx/xxxx |
Hazard Insurance Policy is fully present - xx/xx/xxxx HOI provided, Loss of use confirmed xxxxxx. Coverage is enough. - xx/xx/xxxx Updated HOI - xx/xx/xxxx |
2026-06-08 14:34 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. The loan file does
contain the HOI which does verify the coverage has rent loss insurance;
however, the policy is not specific to the amount of rent loss. |
it covers 12 months of actual loss sustained - xx/xx/xxxx |
HOI Policy states 12 months actual rents. Condition resolved. - xx/xx/xxxx Hazard Insurance Policy is fully present - xx/xx/xxxx it covers 12 months of actual loss sustained - xx/xx/xxxx |
2026-07-08 19:21 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133639 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 6 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. Per the xxxxxx DSCR Access guides, a landlord’s hazard insurance policy on the
subject property is required. The HO3 Policy provided does not meet this
requirement. |
Attached updated hazard insurance and Homeowners Rental
Endorsement. The endorsement specifically provides coverage when the insured
location is rented or held for rental, confirming the HO3 policy covering
xxxxxx is endorsed for rental use as
required for the Access DSCR loan. Please Cancel. - xx/xx/xxxx |
Corrected HOI Policy provided.
Condition resolved. - xx/xx/xxxx Hazard Insurance Policy is fully present - xx/xx/xxxx Attached updated hazard insurance and Homeowners Rental Endorsement. The endorsement specifically provides coverage when the insured location is rented or held for rental, confirming the HO3 policy covering xxxxxx is endorsed for rental use as required for the Access DSCR loan. Please Cancel. - xx/xx/xxxx |
2026-08-17 18:08 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000134532 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. Lender to provide
rent loss coverage missing from the loan file. |
Loss of rents confirmed on HOI - xx/xx/xxxx Hazard - xx/xx/xxxx |
Hazard Insurance Policy is fully present - xx/xx/xxxx Loss of rents confirmed on HOI - xx/xx/xxxx Hazard - xx/xx/xxxx |
2026-07-10 18:23 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135002 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. |
See attached -
xx/xx/xxxx |
Corrected HOI Policy provided.
Condition resolved. - xx/xx/xxxx Hazard Insurance Policy is fully present - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-10 14:47 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135395 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. The loan file does
contain the HOI which does verify the coverage has rent loss insurance;
however, the policy is not specific to the amount of rent loss. |
see that application provides fair rental value - xx/xx/xxxx |
Received email from Insurance Co stating Rent Loss coverage of
$xxxxxx Condition resolved. -
xx/xx/xxxx Hazard Insurance Policy is fully present - xx/xx/xxxx see that application provides fair rental value - xx/xx/xxxx |
2026-07-10 17:25 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135672 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. The hazard
policy/binder with the annual premium amount is missing in the loan
file. |
HAZARD INSURANCE - xx/xx/xxxx |
HOI policy provided.
Condition resolved. - xx/xx/xxxx Hazard Insurance Policy is fully present - xx/xx/xxxx HAZARD INSURANCE - xx/xx/xxxx |
2026-07-16 14:48 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000129660 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | HELOC - Agreement Missing | Loan file does not contain terms and conditions for the HELOC
Agreement. Per the loan documentation, borrower obtained a HELOC on the
departing primary residence xxxxxx with xxxxxx for $xxxxxx , which was used for funds for
the subject transaction. The HELOC agreement, statement reflecting the
withdrawal of funds to support the $xxxxxx
deposited to xxxxxx onxx/xx/xxxx, and the monthly payment information
are missing from the loan file. |
Heloc agreement -
xx/xx/xxxx |
HELOC Agreement provided.
Condition resolved. - xx/xx/xxxx Heloc agreement - xx/xx/xxxx |
2026-07-01 19:27 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000138803 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | HO-6 Insurance Policy is Missing | HO-6 insurance policy is missing. The binder for the subject
property is in the file, but the actual policy reflecting the policy number
is missing from the loan file. |
HOI provided - xx/xx/xxxx Policy number was not available yet. Binder number was provided. - xx/xx/xxxx |
HO-6 Insurance Policy was provided. - xx/xx/xxxx HOI provided - xx/xx/xxxx Policy number was not available yet. Binder number was provided. - xx/xx/xxxx |
2026-07-23 15:46 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126554 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Credit | HO6 Master Insurance Policy is Partial | Project master insurance policy partially provided. HO-6 Condo
master insurance policy partially provided. Final in-place copy to be
provided, as the insurance provided is a quote valid for 30 days. Final Condo
master policy must also include language confirming that walls are included
in coverage. |
Please see attached Master Policy - xx/xx/xxxx |
Master policy provided.
Condition resolved. - xx/xx/xxxx HO-6 Master Insurance Policy is fully present - xx/xx/xxxx Please see attached Master Policy - xx/xx/xxxx |
2026-05-22 14:11 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000118368 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Per
guidelines-0x30x12 for any property payment history. CBR confirms 30 day late
xxxxxx5 Mtg . LOE in file explaining late payment, but could not locate
exception in file stated granted on 1008. |
EXCEPTION - xx/xx/xxxx |
Approved Exception provided for: Borrower had a 1x30 last May on
a mortgage. Clean before and after that. Also, loan amount is only $xxxxxx . - xx/xx/xxxx EXCEPTION - xx/xx/xxxx |
Comp Factors: xxxxxx FICO with otherwise clean MTG ratings, experienced investor with ample reserves. Loan will be subject to final review with no additional exceptions. | 2026-05-05 18:19 | Waived | 3 | 2 | 3 | 2 | |||
| 4000115913 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 7 | xx/xx/xxxx | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Evidence
of twelve months of on-time payments for the primary residence is missing.
The commercial HELOC statement only reflects a balance of $xxxxxx on the $xxxxxx credit line and shows the payment status as
current as ofxx/xx/xxxx. Additionally, the Fraud Report indicates the HELOC
was established onxx/xx/xxxx, which does not support a full twelve-month
payment history. |
loc pay - xx/xx/xxxx |
Pay history provided.
Condition resolved. - xx/xx/xxxx Housing history meets guideline requirements. - xx/xx/xxxx loc pay - xx/xx/xxxx |
2026-09-22 17:49 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000126527 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 7 | xx/xx/xxxx | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. 1) Missing
the VOM for the subject. 2) Missing the VOM for the primary or evidence it is owned Free and Clear. |
attached - xx/xx/xxxx |
VOM was provided.
Condition resolved. - xx/xx/xxxx Housing history meets guideline requirements. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-04 17:25 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132007 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 8 of 9 | xx/xx/xxxx | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. The loan
file is missing the borrower's rental history. |
Verified online site payment printout. - xx/xx/xxxx Please note we provided a lease which is provided by a management company not a private rental along with a printout showing the borrower has made timely payments. look at the bottom of the printout it matches the lease and the management company website. page 1 of the lease clearly states they offer an online payment site. - xx/xx/xxxx please see attached lease - xx/xx/xxxx see attached VOR from xxxxxx - xx/xx/xxxx |
Housing history meets guideline requirements. - xx/xx/xxxx Verified online site payment printout. - xx/xx/xxxx Please note we provided a lease which is provided by a management company not a private rental along with a printout showing the borrower has made timely payments. look at the bottom of the printout it matches the lease and the management company website. page 1 of the lease clearly states they offer an online payment site. - xx/xx/xxxx Document Uploaded. Condition upheld. The provided lease does not prove Housing History. The Account History does not prove Housing History as there is nothing showing the Borrower made the payments and/or to whom. Provide cancelled checks or an Institutional VOR. See attached xxxxxx Guidelines. - xx/xx/xxxx please see attached lease - xx/xx/xxxx Condition upheld. The Account History does not verify rental history. Provide a VOR and/or cancelled checks as required per guidelines. - xx/xx/xxxx see attached VOR from xxxxxx - xx/xx/xxxx |
2026-07-01 14:55 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132282 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. xxxxxx
Guides xx/xx/xxxx V 8.9 require the following: Twelve (12) months housing
history is required for all occupancy types – Primary, Second Home and
Investment Properties. If primary housing is documented as free and clear, no
exception is needed; This includes whether or not the borrower is on the Note
or Vested on Title of their primary. Finding: Only 2 mortgage statements
provided for the primary residence. This mortgage is not reflected on the
credit report, but is verified as the borrower's primary residence. The 12
month housing history is missing in the loan file. |
See attached -
xx/xx/xxxx |
12 month Mortgage history was provided from the xxxxxx
Condition resolved. - xx/xx/xxxx Housing history meets guideline requirements. - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-10 18:21 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132343 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Per lender
guidelines v8.9 7.2 Housing History - Twelve (12) months housing history is
required for all occupancy types – Primary, Second Home and Investment
Properties. The loan file contains a credit report which reflects the date
last active was xx/xx/xxxx ; however, the subject loan was closed on
xx/xx/xxxx. Missing payments from xxxxxx to xxxxxx. |
credit supp - xx/xx/xxxx |
Credit Supplement provided.
Condition resolved. - xx/xx/xxxx Housing history meets guideline requirements. - xx/xx/xxxx credit supp - xx/xx/xxxx |
2026-07-01 20:24 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132912 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Missing
complete 12 months primary housing history. |
documents - xx/xx/xxxx |
VOM and Bank Statements were provided. Condition resolved. -
xx/xx/xxxx Housing history meets guideline requirements. - xx/xx/xxxx documents - xx/xx/xxxx |
2026-07-10 13:36 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135002 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. The
housing history does not meet guideline requirements. A 12-month payment
history is required for the primary residence and any additional real estate
owned (REO), as this information is not reflected on the credit report.
Documentation is required as properties were acquired in xxxxxx and
sooner. |
See attached - xx/xx/xxxx |
Primary is F/C. - xx/xx/xxxx Housing history meets guideline requirements. - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-10 14:22 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135839 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Missing
complete 12 months primary housing history. Borrower acquired primary
residence xx/xx/xxxx and missing previous residence(s) housing history in
order to complete a full 12 months history per guideline requirements. |
mortgage on the borrower's credit report ties to his current
residence. -The 2nd mortgage on his credit report (in the amount of $xxxxxx) ties back to his previous address at xxxxxx. Attached is the property search confirming the mortgage ties to this address. - xx/xx/xxxx |
Verified payment of prior mortgage, was transferred and has 47
mos perfect pay history. -
xx/xx/xxxx Condition upheld. Per rebuttal. 1st mortgage shows 4 months, 2nd mortgage shows 6 months. Missing 12 months housing history. - xx/xx/xxxx -1st mortgage on the borrower's credit report ties to his current residence. -The 2nd mortgage on his credit report (in the amount of $xxxxxx ) ties back to his previous address at xxxxxx . Attached is the property search confirming the mortgage ties to this address. - xx/xx/xxxx |
2026-06-30 12:24 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137128 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. The loan
file is missing the borrower's rental history. |
See previous upload - xx/xx/xxxx |
Lease Agreements and bank statements showing rental payments
were made was provided. Condition
resolved. - xx/xx/xxxx Housing history meets guideline requirements. - xx/xx/xxxx See previous upload - xx/xx/xxxx |
2026-07-08 14:28 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000121802 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Income - Comparable Rent Schedule Form 1007 Missing | The loan file did not contain the comparable rent schedule form
1007 as required. |
1007 - xx/xx/xxxx |
1007 provided. Condition
resolved. - xx/xx/xxxx 1007 - xx/xx/xxxx |
2026-04-22 16:23 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000128978 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Income - Comparable Rent Schedule Form 1007 Missing | The loan file did not contain the comparable rent schedule form
1007 as required. The loan file did not contain the Comparable Rent Schedule
(Form 1007) required to support the property's market rent. Without the completed Form 1007,
there is insufficient evidence to verify the market rent used to determine the Debt Service
Coverage Ratio (DSCR). |
1007 - xx/xx/xxxx |
Rent schedule provided. -
xx/xx/xxxx 1007 - xx/xx/xxxx |
2026-07-28 19:03 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134921 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Income - Comparable Rent Schedule Form 1007 Missing | The loan file did not contain the comparable rent schedule form
1007 as required. The appraisal and 1007 in file were datedxx/xx/xxxx and
were expired. The rent schedule reflects a market rent of $xxxxxx but the lender used a market rent of $xxxxxx , per the 1008. The file
contained an appraisal update datedxx/xx/xxxx that confirmed the value, but
it did not include an updated rent schedule. Please provide documentation to
support the market rent of xxxxxx |
Can you please re-review this.
there was no new appraisal it was a recert of value which recertifies
the entire report - xx/xx/xxxx please re-review as a new rent schedule should not be required as its part of the appraisal that is recertified. “I have at minimum developed and reported this appraisal update in accordance with scope of the work requirements stated in the update and concur with the analysis and conclusion in the original appraisal report.” “I have updated the appraisal by incorporating the original appraisal report” - xx/xx/xxxx |
New 1007 is not required, the appraisal was re certified. - xx/xx/xxxx Can you please re-review this. there was no new appraisal it was a recert of value which recertifies the entire report - xx/xx/xxxx Condition upheld. A new 1007 with the updated Appraisal is required. - xx/xx/xxxx please re-review as a new rent schedule should not be required as its part of the appraisal that is recertified. “I have at minimum developed and reported this appraisal update in accordance with scope of the work requirements stated in the update and concur with the analysis and conclusion in the original appraisal report.” “I have updated the appraisal by incorporating the original appraisal report” - xx/xx/xxxx |
2026-07-17 14:10 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135680 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Income - Comparable Rent Schedule Form 1007 Missing | The loan file did not contain the comparable rent schedule form
1007 as required. Guidelines require the DSCR score to be calculated using
the lower of the executed lease agreement or market rent from the appraisal report. The 1007
market rent was not provided. |
Appraisal Rent Schedule - xx/xx/xxxx |
1007 provided. - xx/xx/xxxx Appraisal Rent Schedule - xx/xx/xxxx |
2026-07-02 14:23 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132755 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Income - Employment Gaps | The loan file verified employment gaps without sufficient
explanation provided. Lender provided an exception for the rebranding of the
borrower's business. He has been operational since xxxxxx and rebrand the business with a new name
and a better location since xxxxxx . Comp factors: FICO score 20 points higher than the min of xxxxxx (xxxxxx) Low DTI of xxxxxx%, max is 55% Reserves over the 6th month requirement (12) |
Lender provided an exception for the rebranding of the
borrower's business. He has been operational since xxxxxx and rebrand the business with a new name
and a better location since xxxxxx . - xx/xx/xxxx |
Lender provided an exception for the rebranding of the
borrower's business. He has been operational since xxxxxx and rebrand the business with a new name
and a better location since xxxxxx . Comp factors: FICO score 20 points higher than the min of xxxxxx (xxxxxx) Low DTI of xxxxxx%, max is 55% Reserves over the 6th month requirement (12) |
2026-06-26 21:19 | Waived | 3 | 2 | 3 | 2 | ||||
| 4000117280 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Income - Employment Gaps | The loan file verified employment gaps without sufficient
explanation provided. Borrower 4, xxxxxx , began employment with xxxxxx in xxxxxx. A Verification of Employment
(VOE) from the previous employer, xxxxxx , is missing from the loan file
verifying dates of employment. If there was a gap of employment greater than
30 days, a letter of explanation is required. |
VVOE xxxxxx xxxxxx - xx/xx/xxxx |
Work Number for xxxxxx
Provided. - xx/xx/xxxx VVOE xxxxxx xxxxxx - xx/xx/xxxx |
2026-03-11 14:04 | Resolved | 3 | 1 | 3 | 2 | |||
| 4000136691 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | Income - Guideline Requirements | The income documents provided in the loan file did not meet
guidelines. The borrower was qualified using asset depletion income, along
with retirement and social security income. Guidelines do not allow the use
of other income when using asset depletion to qualify. An xxxxxx exception
was provided approving the use of the additional income. |
Primary residence purchase transaction w/20% down payment, xxxxxx FICO, xxxxxx% DTI, 17 months reserves and $xxxxxx+ monthly residual. | 2026-07-14 19:37 | Waived | 2 | 2 | 3 | 2 | |||||
| 4000133401 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Income - Guideline Requirements | The income documents provided in the loan file did not meet
guidelines. Lender to provide support that the calculation of B2 bonus income
complies with program guidelines. B2 qualifying Bonus income calculation
includes an annualized xxxxxx sign-on bonus based on a partial year of
employment. Please provide xxxxxx
guideline support and/or internal exception approval permitting this
methodology. Additionally, provide documentation evidencing the likelihood of
continuance of bonus income as required by program guidelines, as such
documentation was not identified in the file.
|
PLEASE SEE ATTACHED UNDERWRITER CERT. - xx/xx/xxxx INCOME CALCULATION AND LETTER OF OF EXPLANIATION FROM UW. - xx/xx/xxxx INCOME CALCULATION AND LETTER OF OF EXPLANIATION FROM UW. THIS WAS ORIGINALLY PROVIDED - xx/xx/xxxx |
LOE reflecting calculation of bonus and that it is part of pay
structure. - xx/xx/xxxx PLEASE SEE ATTACHED UNDERWRITER CERT. - xx/xx/xxxx Per xxxxxx guideline / overlay, a 2 year average is required to calculate Bonus income, exceptions can be considered with a 1 year history of receipt and employer verification of likelihood to continue. The UW used 10k sign on Bonus that is non recurring to average 2 year bonus. Please provide xxxxxx guideline support and/or internal exception approval permitting this methodology. Additionally, provide documentation evidencing the likelihood of continuance of bonus income as required by program guidelines, as such documentation was not identified in the file. - xx/xx/xxxx INCOME CALCULATION AND LETTER OF OF EXPLANIATION FROM UW. - xx/xx/xxxx INCOME CALCULATION AND LETTER OF OF EXPLANIATION FROM UW. THIS WAS ORIGINALLY PROVIDED - xx/xx/xxxx |
2026-07-08 21:19 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136362 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 6 of 6 | xx/xx/xxxx | Credit | Income - Income Documentation Missing | The loan file did not contain the required income documentation.
Business Narrative was not provided and guidelines require a Business
Narrative, detailing the size/score and operating profile of the business,
including: Description of Business/Business Profile, Location and Associated
Rent, Number of Employees/Contractors, Estimated Cost of Goods Sold if any,
Materials/Truck/Equipment, and Commercial or Retail Client Base. |
Narrative - xx/xx/xxxx |
Received Business Narrative which showed 1 employee. Business
expense factor updated to 30% per guidelines and revised income is $xxxxxx
monthly. The revised DTI is xxxxxx% and still within program requirements. -
xx/xx/xxxx Narrative - xx/xx/xxxx |
2026-07-27 17:37 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137487 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Income - Income Documentation Missing | The loan file did not contain the required income documentation.
Assets used for qualifying must be seasoned for one hundred twenty (120) days
unless pre-approved by xxxxxx Missing 4th statement to meet guideline requirements for xxxxxx #xxxxxx & #xxxxxx |
xxxxxx statement s - xx/xx/xxxx |
documentation meet requirements - xx/xx/xxxx xxxxxx statement s - xx/xx/xxxx |
2026-07-22 20:07 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000134312 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 6 | xx/xx/xxxx | Credit | Income - LOE Missing | The loan file did not contain a letter of explanation as
required. Per guidelines business narrative to be completed/filled out. Also
internet search of business is required in file to support business
narrative. Borrower only signed business narrative document and no internet
search in file. Business Narrative – Business narrative must include details relating to the size / score and operating profile of the business, including the following: – Description of Business / Business Profile – Location and Associated Rent – Number of Employees / Contractors – Estimated Cost of Goods Sold if any – Materials / Trucks / Equipment – Commercial or Retail Client Base § An internet search of the business is required with documentation to be included in the credit file to support the Business Narrative. Underwriter certification (or notation on the 1008) if there are no returns when attempting an internet search |
Business related documents - xx/xx/xxxx |
Business Narrative provided.
Condition resolved. - xx/xx/xxxx Business related documents - xx/xx/xxxx |
2026-07-01 20:08 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134665 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Income - LOE Missing | The loan file did not contain a letter of explanation as
required. Per the Lender Guidelines xxxxxx , datedxx/xx/xxxx, Section Loan
Purpose - Cash out Refinance -Borrower must provide signed letter detailing
specific use of funds. The loan file does contain a letter stating the
proceeds are for business purpose only; however, it does not detail
specifically what the use is for the funds.
|
Letter of explanation uploaded - xx/xx/xxxx |
LOE for CO as required by guidelines provided. - xx/xx/xxxx Letter of explanation uploaded - xx/xx/xxxx |
2026-07-21 13:15 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136315 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 6 | xx/xx/xxxx | Credit | Income - LOE Missing | The loan file did not contain a letter of explanation as
required. Missing the Business Purpose
Cash-Out LOE |
LOE for CO provided. -
xx/xx/xxxx LOE - xx/xx/xxxx |
LOE for CO provided. - xx/xx/xxxx LOE for CO provided. - xx/xx/xxxx LOE - xx/xx/xxxx |
2026-07-21 19:31 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000123691 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Income - Rental Property | Rental income is not properly documented and/or supported. The
appraiser noted the subject is a STR, However, the loan file did not contain
a STR rent estimate. |
LOX - xx/xx/xxxx xxxxxx - xx/xx/xxxx |
Per $xxxxxx /xxxxxx , xxxxxx
is unacceptable. Using
market rent from 1025 Appraisal. Condition is resolved per $xxxxxx /xxxxxx .
- xx/xx/xxxx Condition upheld. Condition has been escalated to Management and xxxxxx is not an acceptable source for for income. Provide an acceptable source per guidelines (attached) or an Approved Exception from $xxxxxx /xxxxxx . - xx/xx/xxxx Document Uploaded. Condition upheld. xxxxxx was provided for Short -Term Rental income. Per the attached Guidelines, xxxxxx is NOT an acceptable source for calculating Short-Term rental income. Provide an acceptable source for Short-Term Rental income or an approved exception. - xx/xx/xxxx LOX - xx/xx/xxxx xxxxxx - xx/xx/xxxx |
2026-05-20 17:34 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134312 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 6 | xx/xx/xxxx | Credit | Income - Rental Property | Rental income is not properly documented and/or supported. Final
1003 REO#1 & REO#2 has rental income with no rental agreements in file.
REO#1- $xxxxxx; REO#2-$xxxxxx. |
Lease agreements -
xx/xx/xxxx |
Lease agreements provided.
Condition resolved. - xx/xx/xxxx Lease agreements - xx/xx/xxxx |
2026-07-01 20:06 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000104038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 9 | xx/xx/xxxx | Credit | Income 1 Months Income Verified is Missing | Income 1 months income verified is missing. Income documentation
was not provided in the file |
Its P&I loan, not full income - xx/xx/xxxx |
Income 1 Months Income Verified is Present Or Not Applicable -
xx/xx/xxxx Condition set in error. - xx/xx/xxxx Income 1 Months Income Verified is Present Or Not Applicable - xx/xx/xxxx Its P&I loan, not full income - xx/xx/xxxx |
2026-07-01 15:53 | Resolved | 3 | 1 | 4 | 1 | |||
| 4000137487 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Income and Employment Do Not Meet Guidelines | Income and employment do not meet guidelines. Per guidelines-A
Borrower using Asset Depletion / Asset Qualifier cannot use other sources of
employment income. Nonemployment sources of income may be considered on a
case-by-case basis and will require an investor exception approval, subject
to an LLPA. Loan qualified/approved with asset depletion and non-employment
income (Pension and SSI). A formal exception is on file. |
Compensating factors-Purchase transaction has a 25% down payment. Borrower has xxxxxx FICO score. Borrower has a 120-month reserves. | 2026-07-15 17:05 | Waived | 2 | 2 | 3 | 2 | |||||
| 4000129204 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 8 of 10 | xx/xx/xxxx | Credit | Income and Employment Do Not Meet Guidelines | Income and employment do not meet guidelines. The loan was
approved using 24 months of self-employment. The borrower has been employed
in current business for less than 2 years. There is an email referencing an
exception approval, but the actual document is missing from the loan
file. |
exception - xx/xx/xxxx |
Income and Employment Meet Guidelines - xx/xx/xxxx exception - xx/xx/xxxx |
2026-07-20 17:57 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000134547 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Income and Employment Do Not Meet Guidelines | Income and employment do not meet guidelines. Missing per
internet search to go with business narative per guidelines. An internet
search of the business is required with documentation to be included in the
credit file to support the Business Narrative. Underwriter certification (or
notation on the 1008) if there are no returns when attempting an internet
search |
xxxxxx SEARCH -
xx/xx/xxxx |
xxxxxx Search
provided. Condition resolved. -
xx/xx/xxxx Income and Employment Meet Guidelines - xx/xx/xxxx xxxxxx SEARCH - xx/xx/xxxx |
2026-07-15 21:09 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135289 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Income and Employment Do Not Meet Guidelines | Income and employment do not meet guidelines. Per guidelines-8.3.2 Eligibility Assets used for qualifying must be seasoned for one hundred twenty (120) days unless pre-approved by xxxxxx . Only have 2 mos xxxxxx & xxxxxx statements for each asset being used for Asset utilization, required to have 4 mos. Provide xxxxxx & xxxxxx to meet guideline requirements | Rebuttal - xx/xx/xxxx |
Investment Statement provided are seasoned for 120 days. Condition resolved. - xx/xx/xxxx Income and Employment Meet Guidelines - xx/xx/xxxx Rebuttal - xx/xx/xxxx |
2026-07-10 20:16 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130617 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Compliance | Intent to Proceed is Missing or Incomplete | Provide Intent to Proceed documentation. |
INTENT TO PROCEED -
xx/xx/xxxx |
Received ITP - xx/xx/xxxx INTENT TO PROCEED - xx/xx/xxxx |
2026-06-24 14:52 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 9 of 14 | xx/xx/xxxx | Compliance | Intent to Proceed is Missing or Incomplete | Provide Intent to Proceed documentation. Intent to Proceed is Missing or Incomplete
|
Intent - xx/xx/xxxx |
Intent to Proceed provided. - xx/xx/xxxx Received ITP - xx/xx/xxxx Intent - xx/xx/xxxx |
2026-06-24 17:13 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131103 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 10 | xx/xx/xxxx | Compliance | Late Charge Grace Period is less than 10 days | Late charge grace period is less than 10 days. Note is missing
|
Validation Resolved - xx/xx/xxxx |
2026-07-08 13:44 | Resolved | 3 | 1 | 4 | 1 | |||||
| 4000135943 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 7 | xx/xx/xxxx | Compliance | Late Charge Grace Period is less than 10 days | Late charge grace period is less than 10 days. |
xxxxxx does not impose a
statutory minimum grace period before a late charge may be assessed on a
business-purpose mortgage loan. Here's how it generally works: • Business-purpose/commercial mortgage loans are largely exempt from xxxxxx 's residential mortgage lending laws. Specifically, xxxxxx 's Mortgage Licensing Act states that it does not apply to mortgage loans made for business or commercial purposes. • Because of that exemption, there is no xxxxxx statute requiring a lender to provide a 10-day, or other minimum grace period before assessing a late charge on a business-purpose mortgage. • Instead, the borrower's obligation is governed primarily by: 1. The promissory note; 2. The mortgage or deed of trust; 3. Any applicable loan agreement; and 4. General contract law. - xx/xx/xxxx |
Business purpose loans are exempt from residential lending laws
- xx/xx/xxxx xxxxxx does not impose a statutory minimum grace period before a late charge may be assessed on a business-purpose mortgage loan. Here's how it generally works: • Business-purpose/commercial mortgage loans are largely exempt from xxxxxx 's residential mortgage lending laws. Specifically, xxxxxx 's Mortgage Licensing Act states that it does not apply to mortgage loans made for business or commercial purposes. • Because of that exemption, there is no xxxxxx statute requiring a lender to provide a 10-day, or other minimum grace period before assessing a late charge on a business-purpose mortgage. • Instead, the borrower's obligation is governed primarily by: 1. The promissory note; 2. The mortgage or deed of trust; 3. Any applicable loan agreement; and 4. General contract law. - xx/xx/xxxx |
2026-07-22 16:49 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000105626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 7 | xx/xx/xxxx | Compliance | Late Charge Percent is less than 3% | Late charge percent is less than 3%. |
need clarification concerning late charge as I am showing 5% on
the note. please advise - xx/xx/xxxx |
Late fee us 5% - xx/xx/xxxx Validation Resolved - xx/xx/xxxx need clarification concerning late charge as I am showing 5% on the note. please advise - xx/xx/xxxx |
2026-06-11 13:42 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000134312 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 6 | xx/xx/xxxx | Credit | Liabilities - Excluded Debts | There was no explanation or support for the omission of one or
more debts from the initial application. There is a mortgage statement in
file for xxxxxx . The property is not listed on final 1003 REO, nor any
documentation to advise exclusion from DTI payment $xxxxxx PI. Property not escrow, no tax & HOI
documentation in file. |
Liabilities - omission of mortgage - xx/xx/xxxx |
REO Docs received.
Condition resolved. - xx/xx/xxxx Liabilities - omission of mortgage - xx/xx/xxxx |
2026-07-01 20:05 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134390 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | Liabilities - Not Verified | The application lists debts that were not verified on the credit
report and not independently verified. Final 1003 has Mortgage xxxxxx $xxxxxx
$xxxxxx listed as a debt. No
mortgage statement to verify what property the mortgage belongs to. |
property not listed on final 1003. mtg current meeting
requirements - xx/xx/xxxx see attached - xx/xx/xxxx |
see attached - xx/xx/xxxx |
2026-07-24 19:21 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126527 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 7 | xx/xx/xxxx | Credit | Liabilities - Payoff Missing | The required debt payoffs were missing from the loan file. 1)
Missing the CEMA property detail sheet showing how much of the $xxxxxx CEMA
is affixed to the subject to support this the portion of the mortgage being
paid off and this cash-out transaction. Per the payoff the payoff total is
$xxxxxx . The subject loan amount is $xxxxxx
with the borrower paying off $xxxxxx 4 to the lien holder and
receiving $0 at closing. 2) Missing the partial loan payoff in relation to the subject transaction. |
attached - xx/xx/xxxx |
List of blanket pay-offs was provided. Condition resolved. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-04 17:29 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126535 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Liabilities - Payoff Missing | The required debt payoffs were missing from the loan file. The
loan file contains a payoff; however, the payoff is for the whole building.
Need the payoff for unit 401. |
attached - xx/xx/xxxx |
Pay-off for all units in blanket mortgage was provided. Condition resolved. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-04 18:01 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000128806 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Credit | Liabilities - Payoff Missing | The required debt payoffs were missing from the loan file.
Lender to provide the partial release / payoff for the subject property good
through the closing datexx/xx/xxxx Subject is part of a portfolio loan held
by the LLC. |
attached - xx/xx/xxxx |
Lien on Title for $xxxxxx
is Commercial Cross-collateralization loan under the Borrower's LLC.
xxxxxx Report in file shows Commercial Loan opened xx/xx/xxxx with Document
Number xxxxxx . Same Report shows a
Release of Mortgage on xx/xx/xxxx with same Document Number xxxxxx . Condition resolved. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-05-28 20:13 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 8 | xx/xx/xxxx | Credit | Liabilities - Payoff Missing | The required debt payoffs were missing from the loan file. The
loan file is missing the Payoff for the subject property or the release of
lien. The loan file contains a Mortgage statement with the business name;
however, the property address listed on the statement states: multiple
Properties xxxxxx |
payoff, lien docs - only 1 properties attached to this
payoff - xx/xx/xxxx Updated Title Report - xx/xx/xxxx Release of lien - xx/xx/xxxx |
updated payoff - xx/xx/xxxx payoff, lien docs - only 1 properties attached to this payoff - xx/xx/xxxx Need verification of the properties listed on the mortgage statement and verify the subject mortgage is part of the same mortgage. - xx/xx/xxxx Updated Title Report - xx/xx/xxxx The loan file is missing the Payoff for the subject property or the release of lien. The loan file contains a Mortgage statement with the business name; however, the property address listed on the statement states: multiple Properties xxxxxx - xx/xx/xxxx Release of lien - xx/xx/xxxx |
2026-07-23 16:40 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000131920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 10 of 10 | xx/xx/xxxx | Credit | Liabilities - Payoff Missing | The required debt payoffs were missing from the loan file. The
loan file is missing the Payoff for the subject property or the release of
lien. The loan file contains a Mortgage statement with the business name;
however, the property address listed on the statement states: multiple
Properties xxxxxx |
payoff - xx/xx/xxxx |
payoff uploaded - xx/xx/xxxx payoff - xx/xx/xxxx |
2026-07-21 14:42 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000131521 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify
debts associated with all other properties. Missing primary residence
mortgage statement to validate 12 mos housing history per guidelines |
Documentation clearing Condition Credit Liabilities - REO for
borrowers primary residence is attached to incorrect finding. Finding
resolved as documentation meet guidelines for housing history on primary. -
xx/xx/xxxx |
2026-07-10 13:23 | Resolved | 3 | 1 | 3 | 1 | |||||
| 4000132001 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 6 | xx/xx/xxxx | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify
debts associated with all other properties. Missing mortgage statement for
primary residence to validate housing history within guidelines |
Borrower has an open mortgage on his credit report to tie out
payment history on his primary residence. - xx/xx/xxxx |
Borrower has an open mortgage on his credit report to tie out
payment history on his primary residence. - xx/xx/xxxx Condition upheld. Borrower provided second residence address for the question asking if lived there less than 2 years. The Mortgage on the CR was opened xxxxxx , over two years. Provide housing history for Borrower's primary as required by guidelines. - xx/xx/xxxx Borrower has an open mortgage on his credit report to tie out payment history on his primary residence. - xx/xx/xxxx |
2026-06-22 12:20 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000132711 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify
debts associated with all other properties. Missing mortgage statement to
validate housing history for primary residence to meet guideline
requirements. |
Borrower has an open mortgage on his credit report to tie out
payment history on his primary residence. - xx/xx/xxxx |
Investor clarification provided, history not required as no
primary property mortgage, condition resolved. - xx/xx/xxxx Condition upheld. The three open Mortgages on Borrower's Credit Report are not attached to Borrower's Primary per Fraud Report. Provide Mortgage History on Borrower's Primary as required per guidelines. - xx/xx/xxxx Borrower has an open mortgage on his credit report to tie out payment history on his primary residence. - xx/xx/xxxx |
2026-06-22 16:41 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132720 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 7 | xx/xx/xxxx | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify
debts associated with all other properties. Missing mortgage statement to
validate housing history for primary residence to meet guideline
requirements. |
Attached is proof of lien on the borrower's primary residence
located at 'xxxxxx '. Proof of lien
lines up directly with the lone open mortgage on xxxxxx ' credit report. -
xx/xx/xxxx |
Mortgage history provided.
Condition resolved. - xx/xx/xxxx Attached is proof of lien on the borrower's primary residence located at 'xxxxxx '. Proof of lien lines up directly with the lone open mortgage on xxxxxx ' credit report. - xx/xx/xxxx |
2026-06-18 13:38 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000133401 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify
debts associated with all other properties. The primary residence mortgage is
not escrowed for taxes and insurance. Per the tax bill, the 2nd half of the
xxxxxx taxes due xxxxxx has not been
paid. Evidence these taxes are current is missing in the loan file. |
taxes current per county website
- xx/xx/xxxx |
Tax certificate from county verified paid current -
xx/xx/xxxx taxes current per county website - xx/xx/xxxx |
2026-07-08 21:17 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134636 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify
debts associated with all other properties. Lender to provide proof of tax
amount used in qualifying as well as proof of any HOA dues for the following
properties: xxxxxx xxxxxx xxxxxx xxxxxx |
§ Property Detail Report forxxxxxx with notes confirming how the property
taxes were calculated § xxxxxx property listing forxxxxxx confirming no HOA dues (see page 3) § Mortgage statement for xxxxxx confirming tax and insurance impounds § Evidence of the monthly HOA dues for xxxxxx § Property Detail Report for xxxxxx confirming the annual taxes § xxxxxx property listing for xxxxxx confirming no HOA dues (see page 4) § Property Detail Report for xxxxxx confirming the annual taxes § xxxxxx property listing confirming no HOA dues (see page 2) § Updated final 1003 reflecting the accurate negative rental income for xxxxxx and xxxxxx - xx/xx/xxxx |
§ Property Detail Report forxxxxxx with notes confirming how the property
taxes were calculated § xxxxxx property listing forxxxxxx confirming no HOA dues (see page 3) § Mortgage statement for xxxxxx confirming tax and insurance impounds § Evidence of the monthly HOA dues for xxxxxx § Property Detail Report for xxxxxx confirming the annual taxes § xxxxxx property listing for xxxxxx confirming no HOA dues (see page 4) § Property Detail Report for xxxxxx confirming the annual taxes § xxxxxx property listing confirming no HOA dues (see page 2) § Updated final 1003 reflecting the accurate negative rental income for xxxxxx and xxxxxx - xx/xx/xxxx |
2026-07-21 19:34 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134739 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify
debts associated with all other properties. The final 1003 reflects a TIA
payment of $xxxxxx for REO at xxxxxx .
The documentation in the file verified taxes of $xxxxxx , hazard of
$xxxxxx and no HOA for a total of
$xxxxxx . The difference of $xxxxxx
was not documented. |
updated 1003 provided - xx/xx/xxxx xxxxxx is correct, uploaded revised 1003 - xx/xx/xxxx |
1003 provided confirming PITIA - xx/xx/xxxx updated 1003 provided - xx/xx/xxxx xxxxxx is correct, uploaded revised 1003 - xx/xx/xxxx |
2026-07-23 16:41 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136090 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify
debts associated with all other properties. The loan file did not contain
sufficient documentation to verify the debts associated with all other
properties. Please provide a Letter of Explanation (LOE) detailing the
borrower's monthly obligations for the property located at xxxxxx , including
the amount and nature of the monthly payments. Originator used -$xxxxxx for housing payment of departing residence
(taxes and insurance only), when departing residencexx/xx/xxxx Loan Statement
shows P&I of $xxxxxx with no
impounds. Explanation letters in file indicate borrower is going to retain
departing residence as a rental property.
|
UW Response with REO documentation - xx/xx/xxxx |
Mortgage for REO property is not in Borrower's name. Taxes and
HOI were counted in DTI. Condition
resolved. - xx/xx/xxxx UW Response with REO documentation - xx/xx/xxxx |
2026-07-13 21:38 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136362 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 6 | xx/xx/xxxx | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify
debts associated with all other properties. The application states that the
borrower owns a property at xxxxxx as
a primary residence. It has the mortgage for the subject property and shows a
rental amount of $xxxxxx . The borrower's current address on the application
reflects as a property located at xxxxxx
and that it is owned. Both properties show as a primary residence on
the final loan application. Documentation to support that the borrower owns
any additional property other than the subject property or clarification on
the properties owned by the borrower on the application could not be found in
the loan documents. |
Does not own xxxxxx see
attached subject address is only property owned. - xx/xx/xxxx |
Documents provided confirming borrower does not own primary
residence. no additional Debt - xx/xx/xxxx Does not own xxxxxx see attached subject address is only property owned. - xx/xx/xxxx |
2026-07-21 13:29 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137038 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify
debts associated with all other properties. Lender to provide proof of
ownership, taxes and insurance for property located at xxxxxx .
|
UW info and docs on both conditions - xx/xx/xxxx |
The REO is not in the borrower's name. - xx/xx/xxxx UW info and docs on both conditions - xx/xx/xxxx |
2026-07-22 17:40 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130771 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Loan Package - Trust Agreement Missing | The loan file did not contain the Trust Agreement as required.
Currenlty the subject is vested in a TRUST - the TRUST Cert is missing in the
loan file. The completed, executed and notarized OWNER'S AFFIDAVIT AND
INDEMNITY is missing in the loan file. |
see attached • Certificate of Trust and Declaration of Trust • Grant Deed removing the vesting from the Trust - xx/xx/xxxx |
Cert of trust and deed provided.
- xx/xx/xxxx see attached • Certificate of Trust and Declaration of Trust • Grant Deed removing the vesting from the Trust - xx/xx/xxxx |
2026-07-08 20:06 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130998 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 11 | xx/xx/xxxx | Property | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Loan purpose is purchase and valuation type of purchase contract
has not been selected. missing purchase contract |
purchase agreement - xx/xx/xxxx |
Purchase Contract Doc is not Missing, or is Not Applicable. -
xx/xx/xxxx Complete purchase contract was provided. Condition resolved. - xx/xx/xxxx purchase agreement - xx/xx/xxxx |
2026-07-02 15:16 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000137840 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Property | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Loan purpose is purchase and valuation type of purchase contract
has not been selected. |
Purchase contract provided - xx/xx/xxxx See attached - xx/xx/xxxx |
Purchase Contract Doc is not Missing, or is Not Applicable. -
xx/xx/xxxx Purchase contract provided - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-21 12:54 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131521 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Credit | Master Policy Expiration Date is Prior To the Transaction Date | Master Policy expiration date is prior to the transaction date.
Master policy in file dates xx/xx/xxxxxxxxxx |
Master Insurance - xx/xx/xxxx |
Renewal Policy was provided.
Condition resolved. - xx/xx/xxxx Master Policy Expiration Date of xxxxxx is Equal to or After the Transaction Date of xxxxxx Or Master Policy Expiration Date Is Not Provided - xx/xx/xxxx Master Insurance - xx/xx/xxxx |
2026-07-13 19:25 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131103 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 10 | xx/xx/xxxx | Credit | Maturity Date is not the first of the month | Maturity date is not the first day of the month. Note is missing
|
Maturity Date is the first day of the month - xx/xx/xxxx |
2026-07-08 13:44 | Resolved | 3 | 1 | 4 | 1 | |||||
| 4000137967 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Missing Application | Missing evidence of Guarantor's application in the loan
file. |
BP application provided - xx/xx/xxxx Loan application attached - xx/xx/xxxx |
BP application provided - xx/xx/xxxx BP application provided - xx/xx/xxxx Loan application attached - xx/xx/xxxx |
2026-07-22 17:02 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137974 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Missing Application | Missing evidence of the borrower's loan application in the loan
file. |
Loan app attached - xx/xx/xxxx |
BP application provided - xx/xx/xxxx Loan app attached - xx/xx/xxxx |
2026-07-22 17:04 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133169 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Missing Appraisal | The loan file does not contain the appraisal. |
attached - xx/xx/xxxx |
Appraisal Provided.
Condition resolved. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-25 20:09 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000104038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 6 of 9 | xx/xx/xxxx | Compliance | Missing Attorney Preference Letter | Right To Choose Attorney or Attorney Preference not in file.
Executed xxxxxx Borrower Right to Select Attorney is missing from the file
|
This is not applicable -
xx/xx/xxxx |
Confirmed Attorney preference is not a required disclosure -
xx/xx/xxxx This is not applicable - xx/xx/xxxx |
2025-12-15 17:55 | Resolved | 3 | 1 | 4 | 1 | |||
| 4000127274 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | Missing Attorney Preference Letter | Right To Choose Attorney or Attorney Preference not in file. |
Attorney preference provided. - xx/xx/xxxx Right to select Attorney - xx/xx/xxxx |
Right To Choose Attorney or Attorney Preference Resolved or Not
Applicable - xx/xx/xxxx Attorney preference provided. - xx/xx/xxxx Right to select Attorney - xx/xx/xxxx |
2026-07-24 12:52 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 11 of 14 | xx/xx/xxxx | Compliance | Missing Attorney Preference Letter | Right To Choose Attorney or Attorney Preference not in file. |
attached xxxxxx disc - xx/xx/xxxx |
Right To Choose Attorney or Attorney Preference Resolved or Not
Applicable - xx/xx/xxxx Received required pamphlet - xx/xx/xxxx attached xxxxxx disc - xx/xx/xxxx |
2026-06-24 17:13 | Resolved | 1 | 1 | 3 | 1 | ||||
| 4000126117 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 6 | xx/xx/xxxx | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. The loan file
does contain the Business Purpose Affidavit; however, it was not signed. |
BP affidavit provided - xx/xx/xxxx Affidavit attached - xx/xx/xxxx |
The Business Purpose Affidavit/Disclosure has been provided. -
xx/xx/xxxx BP affidavit provided - xx/xx/xxxx Affidavit attached - xx/xx/xxxx |
2026-07-08 13:51 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000128430 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. Lender to provide
missing Business Purpose Affidavit missing from the loan file. |
BUSINESS PURPOSE AFFIDAVIT - xx/xx/xxxx |
The Business Purpose Affidavit/Disclosure has been provided. -
xx/xx/xxxx Business Purpose & Occupancy Affidavit was provided. Condition resolved. - xx/xx/xxxx BUSINESS PURPOSE AFFIDAVIT - xx/xx/xxxx |
2026-09-29 13:50 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130449 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. For DSCR
Borrower(s) obtaining a Rate / Term or Cash-Out Refinance loan, the Borrower
must execute the xxxxxx Business
Purpose & Occupancy Affidavit |
affidavit attached - xx/xx/xxxx |
The Business Purpose Affidavit/Disclosure has been provided. -
xx/xx/xxxx BP affidavit provided. - xx/xx/xxxx affidavit attached - xx/xx/xxxx |
2026-07-09 16:43 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 10 | xx/xx/xxxx | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. The loan file is
missing the Signed Business Purpose Affidavit. |
Business Purpose -
xx/xx/xxxx |
The Business Purpose Affidavit/Disclosure has been provided. -
xx/xx/xxxx Bus purp uploaded - xx/xx/xxxx Business Purpose - xx/xx/xxxx |
2026-07-30 16:31 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000137238 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 6 | xx/xx/xxxx | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. |
Hello. On my initial upload, I missed uploading the signed
closing docs. I'm attaching it here. I know on the Note condition, you wanted
just the Note in there but after submitting that, additional closing docs
were asked for since they were not provided earlier. Can you use this
attachment for the rest of the conditions and extract? Thank you -
xx/xx/xxxx |
The Business Purpose Affidavit/Disclosure has been provided. -
xx/xx/xxxx Hello. On my initial upload, I missed uploading the signed closing docs. I'm attaching it here. I know on the Note condition, you wanted just the Note in there but after submitting that, additional closing docs were asked for since they were not provided earlier. Can you use this attachment for the rest of the conditions and extract? Thank you - xx/xx/xxxx |
2026-07-24 17:07 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000137982 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. The file is
missing the required Statement of Business Purpose and Occupancy Affidavit as
required by guidelines. |
BP occupancy - xx/xx/xxxx occupancy and business purpose - xx/xx/xxxx |
The Business Purpose Affidavit/Disclosure has been provided. -
xx/xx/xxxx BP occupancy - xx/xx/xxxx occupancy and business purpose - xx/xx/xxxx |
2026-07-23 14:02 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132755 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | Missing Change of Circumstance | No COC record is in file to support reason for addition of loan
points reflected on Initial CD issued
xxxxxx |
COC for initial CD issued
xxxxxx - xx/xx/xxxx |
Received CIC for the increased fee - xx/xx/xxxx COC for initial CD issued xxxxxx - xx/xx/xxxx |
2026-06-30 14:55 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000132282 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | Missing Condo PUD rider | The subject is in a PUD (Planned Unit Development); however, the
mortgage does not have PUD Rider Selected and the executed PUD rider was not
provided. |
Complete recorded DOT with PUD rider - xx/xx/xxxx See attached - xx/xx/xxxx |
Complete recorded DOT with PUD rider - xx/xx/xxxx Complete recorded DOT with PUD rider - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-27 12:28 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000128830 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation
product. The xxxxxx review provided was not for the subject property. |
CDA - xx/xx/xxxx |
CDA supporting value was provided. Condition resolved. - xx/xx/xxxx CDA - xx/xx/xxxx |
2026-06-04 21:28 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000130998 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 9 of 11 | xx/xx/xxxx | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation
product. Missing 2nd appraisal product/3rd party valuation to meet guideline
requirements |
am i missing something? both ssr's were provided, score lower
than 2.5. - xx/xx/xxxx both ssr's ran at the same time. - xx/xx/xxxx CU score of 1. - xx/xx/xxxx |
CU score provided, meets guidelines, condition resolved. - xx/xx/xxxx am i missing something? both ssr's were provided, score lower than 2.5. - xx/xx/xxxx Condition on hold until the Appraisal Report is provided. - xx/xx/xxxx both ssr's ran at the same time. - xx/xx/xxxx Condition upheld. CU was provided. Guidelines require both to be ran at the same time. Provide LCA and CU. Note: File is missing Appraisal report as well. Condition was set. - xx/xx/xxxx CU score of 1. - xx/xx/xxxx |
2026-09-02 21:14 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132562 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation
product. |
attached - xx/xx/xxxx |
CU with a score of 1 was provided. Condition resolved. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-12 01:49 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 12 of 14 | xx/xx/xxxx | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation
product. |
CDA - xx/xx/xxxx |
CDA provided, value at origination is supported. - xx/xx/xxxx CDA - xx/xx/xxxx |
2026-07-06 12:40 | Resolved | 1 | 3 | 1 | |||||
| 4000133056 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation
product. Please provide a third-party valuation product that supports the
appraised value. The LCA and CU reports in the file exceed the maximum risk
score. |
CDA attached - xx/xx/xxxx Please confirm maximum risk score. CU score 2.2 and LCA could not be assessed in FHLMC SSR report - xx/xx/xxxx |
CDA Supporting value was provided. Condition resolved. - xx/xx/xxxx CDA attached - xx/xx/xxxx Condition upheld. CU Score is 4.1. LCA score is 0. Provide a 3rd party valuation as required per guidelines. - xx/xx/xxxx Please confirm maximum risk score. CU score 2.2 and LCA could not be assessed in FHLMC SSR report - xx/xx/xxxx |
2026-07-14 19:44 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133184 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation
product. Lender to provide Third Party Valuation/2nd valuation product that
meet guideline requirements. |
DESK REVIEW - xx/xx/xxxx |
CDA supporting Value was provided. Condition resolved. - xx/xx/xxxx DESK REVIEW - xx/xx/xxxx |
2026-07-07 15:31 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000134665 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation
product. Missy 3rd party valuation to support the appraised value of $xxxxxx
|
CDA value $xxxxxx . Appraisal value $xxxxxx .
Within 10% - xx/xx/xxxx |
CDA supporting value was provided. Condition resolved. - xx/xx/xxxx CDA value $xxxxxx . Appraisal value $xxxxxx . Within 10% - xx/xx/xxxx |
2026-07-16 21:01 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137275 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation
product. Missing valid 3rd party valuation. Desk review in file shows that
another review is recommended. CU & LPA scores are both of 2.5 |
See attached - xx/xx/xxxx
See attached - xx/xx/xxxx |
Secondary Valuation has been provided - xx/xx/xxxx CDA was indeterminate on value. Field review of appraisal provided - xx/xx/xxxx See attached - xx/xx/xxxx The desk review provided indicates additional review is recommended and does not provide a risk score or value, this is not an acceptable desk review, condition remains. - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-09-24 18:41 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000128798 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | Missing Doc - Affiliated Business Disclosure/Missing | Required Affiliated Business Disclosure missing |
Are you able to advise why this is required as we dont have any
affiliates in this transaction and the loan isnt closing in an LLC? -
xx/xx/xxxx |
Confirmed no affilates used. - xx/xx/xxxx Are you able to advise why this is required as we dont have any affiliates in this transaction and the loan isnt closing in an LLC? - xx/xx/xxxx |
2026-06-11 15:19 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000130792 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | Missing Doc - Affiliated Business Disclosure/Missing | Required Affiliated Business Disclosure missing |
No affiliate - xx/xx/xxxx |
Confirmed no affiliates - xx/xx/xxxx No affiliate - xx/xx/xxxx |
2026-07-02 18:34 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 10 of 14 | xx/xx/xxxx | Compliance | Missing Doc - Affiliated Business Disclosure/Missing | Required Affiliated Business Disclosure missing |
Not applicable - xx/xx/xxxx |
Required Affiliated Business Disclosure Resolved - xx/xx/xxxx Affliate not used - ABA not required - xx/xx/xxxx Not applicable - xx/xx/xxxx |
2026-06-24 17:13 | Resolved | 1 | 1 | 3 | 1 | ||||
| 4000137083 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | Missing Doc - Affiliated Business Disclosure/Missing | Required Affiliated Business Disclosure missing equired
Affiliated Business Disclosure missing |
No affiliates cert provided - xx/xx/xxxx see attached - xx/xx/xxxx |
Required Affiliated Business Disclosure Resolved - xx/xx/xxxx No affiliates cert provided - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-23 17:57 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Compliance | Missing Doc - ARM Disclosure/Missing | The ARM Disclosure is missing from the file. |
arm - xx/xx/xxxx |
ARM Disclosure is Present or Not Applicable - xx/xx/xxxx Received ARM disclousre - xx/xx/xxxx arm - xx/xx/xxxx |
2026-06-29 17:03 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Compliance | Missing Doc - CHARM Booklet/Missing | CHARM Booklet is missing. |
Received Charm booklet - xx/xx/xxxx charm - xx/xx/xxxx |
CHARM Booklet is Present or Not Applicable - xx/xx/xxxx Received Charm booklet - xx/xx/xxxx charm - xx/xx/xxxx |
2026-06-29 17:03 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000133556 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Compliance | Missing Doc - Escrow Waiver Missing | Escrow Waiver is missing. |
no separate escrow waiver form.
it is part of the CD. - xx/xx/xxxx |
Page 4 of FCD - xx/xx/xxxx no separate escrow waiver form. it is part of the CD. - xx/xx/xxxx |
2026-07-09 13:02 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 8 of 14 | xx/xx/xxxx | Compliance | Missing Doc - Homeownership Counseling Disclosure/Missing | Homeownership Counseling Disclosure is missing. |
HOCA - xx/xx/xxxx |
Homeownership Counseling Disclosure was provided. -
xx/xx/xxxx Received disclosure - xx/xx/xxxx HOCA - xx/xx/xxxx |
2026-06-24 17:13 | Resolved | 1 | 1 | 3 | 1 | ||||
| 4000134312 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 6 | xx/xx/xxxx | Property | Missing Doc - Second Appraisal Missing | The loan file did not contain the subject second appraisal as
required. Loan amount $xxxxxx . 2
appraisals required. Missing 2nd appraisal completed by xxxxxx Per guidelines-Two appraisals are required to be delivered for either of the following scenarios: loan amounts > $xxxxxx or HPML flip transactions as defined by the xxxxxx. Interior photos are required |
both appraisals - xx/xx/xxxx |
2nd appraisal received.
Condition resolved. - xx/xx/xxxx both appraisals - xx/xx/xxxx |
2026-07-01 20:04 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000116726 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. Lender to provide Evidence of
Rate lock and the most recent xxxxxx Lock confirmation between xxxxxx
and xxxxxx |
lock - xx/xx/xxxx |
Investor Rate Lock provided.
Condition resolved. - xx/xx/xxxx lock - xx/xx/xxxx |
2026-03-18 15:04 | Resolved | 3 | 1 | 3 | 1 | |||
| 4000128430 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. Provide corrected Lock
Confirmation from xxxxxx with the DSCR of xxxxxx, not 1.00. |
Document Uploaded. Rate lock provided, condition resolved. - xx/xx/xxxx |
2026-07-09 20:29 | Resolved | 3 | 1 | 3 | 1 | |||||
| 4000129204 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 10 of 10 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. Only 1 year of income
documentation is in file, but the loan was locked using 24 months of income
documentation. Please provide the updated lock. |
lock - xx/xx/xxxx per secondary our lock was updated; please advise if this clears the condition - xx/xx/xxxx Are you able to advise why we are being asked to provide this info on our lock as our lock doesnt show this. Is this something xxxxxx needs to reach out to our AE? - xx/xx/xxxx |
xxxxxx Rate Lock provided.
- xx/xx/xxxx lock - xx/xx/xxxx Condition upheld. The actual lock will need to be provided. - xx/xx/xxxx per secondary our lock was updated; please advise if this clears the condition - xx/xx/xxxx Condition upheld. The lock between xxxxxx and xxxxxx is required to be reviewed and the current one in file states the loan was approved with two years income documentation. Provide corrected lock from xxxxxx , approved exception, or two years income documentation. - xx/xx/xxxx Are you able to advise why we are being asked to provide this info on our lock as our lock doesnt show this. Is this something xxxxxx needs to reach out to our AE? - xx/xx/xxxx |
2026-07-16 14:06 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000130720 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. Provide xxxxxx Lock Confirmation.
|
see attached - xx/xx/xxxx |
Document Uploaded. Rate lock provided, condition resolved. - xx/xx/xxxx Provide xxxxxx Lock Confirmation. - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-09 18:48 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130771 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. The xxxxxx Lock Confirmation
provided has an interest rate of xxxxxx%. The Interest rate on the Note is
xxxxxx%. An xxxxxx Lock Confirmation matching the Note is missing in the loan
file. |
xxxxxx Lock Confirmation
attached - xx/xx/xxxx |
Rate lock provided - xx/xx/xxxx xxxxxx Lock Confirmation attached - xx/xx/xxxx |
2026-07-08 20:05 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. Missing the xxxxxx lock confirmation with xxxxxx |
see attached -
xx/xx/xxxx |
xxxxxx Lock provided.
Condition resolved. - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-08 19:25 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132912 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. Lender to provide updated xxxxxx
lock confirmation, the loan was approved under the 12 month bank statement program but the
lock confirmation reflects 24 Mo Full Documentation. |
lock - xx/xx/xxxx lock updated per xxxxxx secondary - xx/xx/xxxx |
Corrected Rate Lock provided.
Condition resolved. - xx/xx/xxxx lock - xx/xx/xxxx Provide updated xxxxxx lock, - xx/xx/xxxx lock updated per xxxxxx secondary - xx/xx/xxxx |
2026-07-16 14:08 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134305 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. Please provide the xxxxxx lock
confirmation |
See attached -
xx/xx/xxxx |
Lock provided. Condition
resolved. - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-15 20:54 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135297 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. Per the lock in file, the loan
was approved as a no cash out refinance. However, the borrower received cash
at closing. Please provide the updated lock agreement. |
Per $xxxxxx 's seller guidelines "Limited cash to the
Borrower must not exceed the lesser of $ xxxxxx or 2% of the principal amount
of the new mortgage to be considered a Rate / Term refinance" Borrower walked with $ xxxxxx which is roughly 1.4% of the total loan amount making this a Rate/Term refinance. - xx/xx/xxxx |
Guideline allows lesser of xxxxxx to be considered rate and
term, loan meets these requirements. - xx/xx/xxxx Per $xxxxxx 's seller guidelines "Limited cash to the Borrower must not exceed the lesser of $ xxxxxx or 2% of the principal amount of the new mortgage to be considered a Rate / Term refinance" Borrower walked with $ xxxxxx which is roughly 1.4% of the total loan amount making this a Rate/Term refinance. - xx/xx/xxxx |
2026-06-25 16:48 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136428 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. Please provide the xxxxxx Rate
lock. |
xxxxxx Rate Lock - xx/xx/xxxx |
xxxxxx Lock Confirmation was provided. Condition resolved. - xx/xx/xxxx xxxxxx Rate Lock - xx/xx/xxxx |
2026-07-14 19:07 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137328 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 9 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. Missing xxxxxx Rate lock
including any changes or extensions to the lock |
This loan is locked in
xxxxxx . No confirmation is needed.
- xx/xx/xxxx Please see rate lock agreement. - xx/xx/xxxx |
xxxxxx Lock provided. - xx/xx/xxxx This loan is locked in xxxxxx . No confirmation is needed. - xx/xx/xxxx Please see rate lock agreement. - xx/xx/xxxx |
2026-07-15 15:05 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000138392 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock.
The xxxxxx Lock confirmation has an incorrect appraised value of $
xxxxxx and LTV of 75% with a DIL with
60 months seasoning and No waived escrows. The appraised vaue is $
xxxxxx with loan amount $ xxxxxx for LTV of xxxxxx%, the escrow is waived as
there is no escrow deposit on the HUD, and no DIL applies per the Fraud and
Credit Reports. The xxxxxx Lock Confirmation matching the full actual loan
terms is missing in the loan file. |
the loan is escrowed, it just so
xxxxxx pens that the aggregate washed out any collected escrows. -
xx/xx/xxxx |
xxxxxx rate lock updated, in the loan file - no ratio loan -
xx/xx/xxxx the loan is escrowed, it just so xxxxxx pens that the aggregate washed out any collected escrows. - xx/xx/xxxx |
2026-07-14 20:27 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000138731 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. Please provide the xxxxxx rate
lock |
Rate lock provided - xx/xx/xxxx Document Uploaded. - xx/xx/xxxx This Loan is locked in xxxxxx . That is the evidence. - xx/xx/xxxx |
Rate lock provided - xx/xx/xxxx Document Uploaded. - xx/xx/xxxx The rate lock from xxxxxx reflecting the terms, program, etc, is missing from the loan file. - xx/xx/xxxx This Loan is locked in xxxxxx . That is the evidence. - xx/xx/xxxx |
2026-07-24 16:23 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000142969 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. Provide corrected Lock
Confirmation to show 0 reserves.
Current lock shows 12 months reserves. |
Document Uploaded. Please see uploaded. Thank you. -
xx/xx/xxxx |
Received rate lock - xx/xx/xxxx |
2026-08-12 17:35 | Resolved | 3 | 1 | 3 | 1 | |||
| 4000132893 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Missing HOA/Condo Certification | The appraisal in the loan file does not reflect there is an HOA
fee; however, the Lender added an HOA fee to the DTI. Please provide and
explanation as to why there is this fee or the HOA documentation. |
The HOA fee can be removed and only improves the DTI.
Underwriter can not recall why it was imputed. - xx/xx/xxxx |
HOA removed per Lender Comment.
Condition resolved. - xx/xx/xxxx The HOA fee can be removed and only improves the DTI. Underwriter can not recall why it was imputed. - xx/xx/xxxx |
2026-07-15 19:27 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136598 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | Missing HUD-1 Closing Statement | Final HUD-1 Document is Missing. Mortgage loan being paid with
this transaction is also getting funds from another simultaneous loan closing
(xxxxxx) in order to pay off the existing mortgage that includes both
properties. The closing statement from the xxxxxx property was not found in
the loan documents to support the funds to assist in the pay off the
mortgage. |
CD for xxxxxx -
xx/xx/xxxx |
Received CD from the refinance of xxxxxx
- xx/xx/xxxx CD for xxxxxx - xx/xx/xxxx |
2026-07-16 17:09 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000133840 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | Missing Lease Agreement | Per the appraisal, the subject property is leased. Please
provide a copy of the lease agreements.
|
Approved exception - xx/xx/xxxx Borrower has not signed updated lease agreement with tenant at this time. There is not a new lease available. Rents as per lease agreements in file are $ xxxxxx /mo. market rents per appraisal are estimated as $ xxxxxx DSCR is based on the lower amount and LTV is 27% with no credit issues. Please request exception to proceed with this without additional documentation. - xx/xx/xxxx lease agreement - xx/xx/xxxx Lease agreement - xx/xx/xxxx |
Approved Exception was provided for Lease Agreement being
expired. - xx/xx/xxxx Approved exception - xx/xx/xxxx Condition upheld. Provide approved exception from xxxxxx - xx/xx/xxxx Borrower has not signed updated lease agreement with tenant at this time. There is not a new lease available. Rents as per lease agreements in file are $ xxxxxx /mo. market rents per appraisal are estimated as $ xxxxxx DSCR is based on the lower amount and LTV is 27% with no credit issues. Please request exception to proceed with this without additional documentation. - xx/xx/xxxx Condition upheld. Lease provided for floor 2 expiredxx/xx/xxxx, Loan fundedxx/xx/xxxx. - xx/xx/xxxx lease agreement - xx/xx/xxxx Condition upheld. Subject is a 2-unit, however only one lease was provided. - xx/xx/xxxx Lease agreement - xx/xx/xxxx |
xxxxxx% LTV, xxxxxx FICO. | 2026-07-17 14:44 | Waived | 3 | 2 | 3 | 2 | |||
| 4000115913 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 7 | xx/xx/xxxx | Credit | Missing Lease Agreement | Per the appraisal, the subject property is tenant occupied, but
the lease agreement has not been provided, Please provide a ccpy of the lease
agreement. |
lease agreement - xx/xx/xxxx |
Lease Agreement provided.
Condition resolved. - xx/xx/xxxx lease agreement - xx/xx/xxxx |
2026-05-07 21:05 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000135680 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Credit | Missing Lease Agreement | Per appraisal report, the subject property is tenant-occupied
and guidelines require the DSCR score to be calculated using the lower of the
executed lease agreement or market
rent from the appraisal report.
|
lease agreement - xx/xx/xxxx |
Month to month lease provided.
Condition resolved. - xx/xx/xxxx lease agreement - xx/xx/xxxx |
2026-07-02 14:22 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137974 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Missing Lease Agreement | The tenant statement has been provided, but the lease agreement
is missing. The rent per the 1007 is $xxxxxx, but reflects as $xxxxxx on the
tenant statement. Please provide the lease agreement for the subject
property. |
xxxxxx agreement attached - xx/xx/xxxx |
xxxxxx provided confirming total xxxxxx
and tenant rent of $xxxxxx - xx/xx/xxxx xxxxxx agreement attached - xx/xx/xxxx |
2026-07-22 17:04 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126117 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 6 | xx/xx/xxxx | Credit | Missing letter of explanation | Lender to provide a cash out letter from the borrower to verify
what the loan proceeds intended use is for.
|
Business purpose affidavit confirms cash out proceeds to be used
for business purpose. Bottom of page 1 - xx/xx/xxxx |
BP affadavit. -
xx/xx/xxxx Business purpose affidavit confirms cash out proceeds to be used for business purpose. Bottom of page 1 - xx/xx/xxxx |
2026-06-17 17:55 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000129356 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Missing letter of explanation | A Letter of Explanation (LOE) by the Borrower / Guarantor is
required to detail relevant real estate experience |
Personal Guaranty -
xx/xx/xxxx |
Condition set in error.
LOE is required for FTHB, Borrower is not one. - xx/xx/xxxx Personal Guaranty - xx/xx/xxxx |
2026-05-28 14:29 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000131209 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Missing letter of explanation | Per guidelines, a Letter of Explanation (LOE) by the Borrower /
Guarantor is required to detail relevant real estate experience. This
documentation is missing from the loan file.
|
LOE - xx/xx/xxxx |
LOE from Borrower explaining Real Estate experience was
provided. Condition resolved. -
xx/xx/xxxx LOE - xx/xx/xxxx |
2026-07-10 17:31 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131641 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 6 | xx/xx/xxxx | Credit | Missing letter of explanation | Missing LOE from the borrower on why they have a xxxxxx driver's
license when they have resided in xxxxxx for the past 4 yrs. Passport in file
expired in xxxxxx. Patriot Act form is filled out w/ a xxxxxx DL # |
see attached -
xx/xx/xxxx |
LOE from Borrower was provided.
Condition resolved. - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-09 19:44 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132007 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 9 | xx/xx/xxxx | Credit | Missing letter of explanation | Lender to provide a LOE from the borrower on the motivation to
purchase the subject property over the appraised value of $ xxxxxx . |
LOE - xx/xx/xxxx The appraisal was sent to the borrower and the borrower closed on xxxxxx with the appraisal value of $ xxxxxx . attached is the proof of delivery to the borrower on xx/xx/xxxx. - xx/xx/xxxx |
Motivation LOE from Borrower was provided. Condition resolved. - xx/xx/xxxx LOE - xx/xx/xxxx Condition upheld. An Appraisal delivery Status was provided. Provide a LOE from the borrower on the motivation to purchase the subject property over the appraised value of $ xxxxxx . - xx/xx/xxxx The appraisal was sent to the borrower and the borrower closed on xxxxxx with the appraisal value of $ xxxxxx . attached is the proof of delivery to the borrower on xx/xx/xxxx. - xx/xx/xxxx |
2026-06-26 19:56 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132567 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Credit | Missing letter of explanation | Per guidelines a letter of explanation (LOE) by the Borrower is
required to detail relevant real estate experience. This documentation is
missing from the loan file. |
lox - xx/xx/xxxx Borrower is a first time investor and meets requirements per guidelines: score over 700- His score is xxxxxx DSCR > 1- Our borrower xxxxxx No credit events in last 36 months Owns primary over 12 months- Owns present home address sincexx/xx/xxxx - xx/xx/xxxx |
LOE provided. Condition
resolved. - xx/xx/xxxx lox - xx/xx/xxxx Per xxxxxx Report and cleared Alert by Seller, B2 owns another property in xxxxxx - xx/xx/xxxx Condition upheld. LOE is required as LTV is over 70%. Provide LOE or Approved Exception from xxxxxx . - xx/xx/xxxx Borrower is a first time investor and meets requirements per guidelines: score over 700- His score is xxxxxx DSCR > 1- Our borrower xxxxxx No credit events in last 36 months Owns primary over 12 months- Owns present home address sincexx/xx/xxxx - xx/xx/xxxx |
2026-06-26 14:35 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000134429 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Missing letter of explanation | Could not locate LOE to meet requirements 9.9 CASH-OUT Cash-Out proceeds on a refinance loan are allowed with the following requirements: Cash-Out is for Business Purposes only and the borrower must provide an LOE detailing the purpose and use of the proceeds. While maintaining the property is an acceptable use for cashout proceeds, major renovations, rehabs, etc. are not permitted on subject property that could deem the property uninhabitable |
depleted his reserves to expand his business and then got cash
out to replenish. - xx/xx/xxxx |
Cash-out letter from Borrower was provided. Condition resolved. - xx/xx/xxxx depleted his reserves to expand his business and then got cash out to replenish. - xx/xx/xxxx |
2026-07-16 14:51 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134708 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | Missing letter of explanation | Subject transaction is a cash-out refinance. Guidelines require
an LOE detailing the purpose and use of the cash-out proceeds which was not
in the file. |
depleted his reserves to expand his business and then got cash
out to replenish. - xx/xx/xxxx |
Cash-out letter from Borrower was provided. Condition resolved. - xx/xx/xxxx depleted his reserves to expand his business and then got cash out to replenish. - xx/xx/xxxx |
2026-07-16 14:50 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000138732 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Missing letter of explanation | Subject loan is a cash-out refinance. DSCR guidelines require a
letter of explanation from the borrower detailing the purpose and use of the
proceeds. This letter was not in the file. |
attached - xx/xx/xxxx |
LOE provided for CO - xx/xx/xxxx attached - xx/xx/xxxx |
2026-07-24 12:15 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000117280 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | Missing Power of Attorney | Please provide the power of attorney authorizing xxxxxx i to act on behalf of xxxxxx .
|
poa - xx/xx/xxxx |
POA Provided. -
xx/xx/xxxx poa - xx/xx/xxxx |
2026-03-11 14:00 | Resolved | 3 | 1 | 3 | 2 | |||
| 4000138392 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Compliance | Missing Power of Attorney | The POA for 1 seller to
sign for the other, and the e-sign's docusign are missing in the loan
file. |
attached - xx/xx/xxxx |
Received POA - xx/xx/xxxx attached - xx/xx/xxxx |
2026-07-15 13:41 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133840 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | Missing Prepayment Rider | Please provide a copy of the Prepayment Penalty Addendum to the
Note. |
Prepayment Rider and Addendum - xx/xx/xxxx |
Received the prepayment addendum to the note - xx/xx/xxxx Prepayment Rider and Addendum - xx/xx/xxxx |
2026-06-30 15:00 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000133992 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | Missing Prepayment Rider | The Prepayment Addendum to the Note is missing. CD notes a
three-year prepayment penalty with a maximum of $ xxxxxx , the Disclosure (p.
214) notes a maximum PPP of $ xxxxxx
with no further information, and the Lock (p. 329) notes a 36-month
PPP with no further information |
PAN - xx/xx/xxxx |
Received prepayment addendum to the note - xx/xx/xxxx PAN - xx/xx/xxxx |
2026-07-13 14:11 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130771 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Compliance | Missing Required rider to note | The top of the Addendum to the Note is cut off. The full page is
missing in the loan file. |
addendum attached - xx/xx/xxxx |
Received executed Prepayment addendum to the note -
xx/xx/xxxx addendum attached - xx/xx/xxxx |
2026-07-08 13:22 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130617 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Compliance | Missing Service Provider List | The loan file does not contain the Service Provider List.
Service Provider List provided in the file does not have any parties listed.
The document is blank. |
SETTLEMENT PROVIDER LIST.
- xx/xx/xxxx |
Received SSP list - xx/xx/xxxx SETTLEMENT PROVIDER LIST. - xx/xx/xxxx |
2026-06-24 14:51 | Resolved | 4 | 1 | 4 | 2 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 7 of 14 | xx/xx/xxxx | Compliance | Missing Service Provider List | The loan file does not contain the Service Provider List. |
SSPL - xx/xx/xxxx |
Received SSPL - xx/xx/xxxx SSPL - xx/xx/xxxx |
2026-06-23 14:03 | Resolved | 1 | 3 | 1 | |||||
| 4000134627 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | Missing Tangible Net Benefit Disclosure | Tangible Net Benefit Disclosure was not provided. |
This disclosure is not applicable since xxxxxx - xx/xx/xxxx |
Concur, not required - xx/xx/xxxx This disclosure is not applicable since xxxxxx - xx/xx/xxxx |
2026-07-24 13:54 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137328 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 9 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Missing 12-month housing history showing 0x30x12 for the
primary home. Per guidelines, housing history verification is required on
subject property and borrower primary residence, regardless of whether or not
the borrower is on the Note or Vested on Title. |
Please see attached VOM. - xx/xx/xxxx |
12 months MLS were provided.
Condition resolved. - xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx Please see attached VOM. - xx/xx/xxxx |
Missing 12-month housing history showing 0x30x12 for the primary home. 12 mortgage history is required per the GL's V 8.9 section 7.2 | 2026-07-15 15:12 | Resolved | 3 | 1 | 3 | 1 | |||
| 4000128798 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. The verification of mortgage in the loan file references
the borrower's primary residence, which was identified as a rental on the
final 1003. Please provide the verification of mortgage for the xxxxxx
property. |
exception - xx/xx/xxxx vom and xxxxxx of xxxxxx document - xx/xx/xxxx directly from a bank not private individual - xx/xx/xxxx vor - xx/xx/xxxx please see attached document. BORROWER RENTS - A CREDIT SUPPLEMENT IS IN THE FILE AND BORROWER OWNS LAND THAT WAS INCLUDED IN THE DTI AS BEING RETAINED - xx/xx/xxxx |
Approved exception in file to use Private VOR and Credit
Supplement to verify housing history. - xx/xx/xxxx exception - xx/xx/xxxx Condition upheld. The Borrower currently rents. A Credit Supplement from an Individual was provided for this rental. Per xxxxxx Guidelines a Credit Supplement is not sufficient to verify current housing history. Housing history evidenced by twelve (12) months proof of payment via cancelled checks, bank debits, or institutional VOR - xx/xx/xxxx vom and xxxxxx document - xx/xx/xxxx Condition upheld. Provide the Lease Agreement and Cancelled Checks to verify the Private VOR for Borrower's current rental. - xx/xx/xxxx directly from a bank not private individual - xx/xx/xxxx Condition upheld. A VOM was provided from xxxxxx for the REO. The VOR is from a Private Individual and Per Guidelines: Non-Institutional Lender/ Landlord Payments must be verified with either canceled checks or bank statements AND A copy of the note or lease is required to verify payment amount and due date - xx/xx/xxxx vor - xx/xx/xxxx Condition upheld. Per Guidelines: Non-Institutional Lender/ Landlord Payments must be verified with either canceled checks or bank statements AND A copy of the note or lease is required to verify payment amount and due date - xx/xx/xxxx please see attached document. BORROWER RENTS - A CREDIT SUPPLEMENT IS IN THE FILE AND BORROWER OWNS LAND THAT WAS INCLUDED IN THE DTI AS BEING RETAINED - xx/xx/xxxx |
xxxxxx FICO, Low DTI, >30 reserves. | 2026-07-20 20:41 | Waived | 3 | 2 | 3 | 2 | |||
| 4000129204 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 10 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. |
vor - xx/xx/xxxx VOR - xx/xx/xxxx |
Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is not Missing - xx/xx/xxxx vor - xx/xx/xxxx Condition upheld. Provide documentation tying the provided pay history to the Borrower. - xx/xx/xxxx VOR - xx/xx/xxxx |
2026-09-22 18:45 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000129936 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. The credit report does not support a mortgage history
for the property located at xxxxxx .
|
Per UW: Property located in xxxxxx is borrower's investment property, and xxxxxx
DSCR only requires housing history for subject and primary, so I don't
think this VOM/VOR is needed. -
xx/xx/xxxx |
Condition set in error.
DSCR Loan not required. - xx/xx/xxxx Per UW: Property located in xxxxxx is borrower's investment property, and xxxxxx DSCR only requires housing history for subject and primary, so I don't think this VOM/VOR is needed. - xx/xx/xxxx |
2026-06-19 00:52 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131209 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. The payment history for the borrower's primary residence
and the subject property are missing from the loan file. Per guidelines, a
twelve (12) month housing history is required for all occupancy types. |
Subject property VOM provided.
- xx/xx/xxxx VOM Subject - xx/xx/xxxx VOM - xx/xx/xxxx VOM - xx/xx/xxxx |
Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is not Missing - xx/xx/xxxx Subject property VOM provided. - xx/xx/xxxx VOM Subject - xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOM provided for primary residence confirming Paid off. Missing VOM for subject property. - xx/xx/xxxx VOM - xx/xx/xxxx Condition upheld. Provide a 12 month housing history for the Borrower's Primary and the subject property. - xx/xx/xxxx VOM - xx/xx/xxxx |
2026-07-14 16:13 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131521 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Missing 12 mos pay history for subject property to meet
housing history guidelines. |
Payment History for the last 12 months - xx/xx/xxxx Payment History - xx/xx/xxxx |
Pay history was provided.
Condition resolved. - xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx Payment History for the last 12 months - xx/xx/xxxx Attached is documentation clearing Conditions Credit Liabilities - REO for borrowers primary residence (finding resolved). This finding upheld is for 12 mos pay history for subject propertyxxxxxx - xx/xx/xxxx Payment History - xx/xx/xxxx |
2026-07-13 19:21 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131641 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 6 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Missing credit supplement or a VOM for the first and
second mortgages on the primary residences. 12-month history is required to
verify 0x30x12. |
please re-review the payment history provided and there is no
second mortgage - xx/xx/xxxx |
xxxxxx Transaction history provided. Condition resolved. - xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx please re-review the payment history provided and there is no second mortgage - xx/xx/xxxx |
2026-07-09 19:51 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 8 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Per Lender Guidelines 2.3 xxxxxx DSCR Plus Program -
Housing history verification is required on subject property and borrower
primary residence, regardless of whether or not the borrower is on the Note
or Vested on Title. Any additional housing history included in the loan file
that reflects delinquencies will be subject to review and must adhere to loan
program matrix - Per the Matrix 16.3 Housing history must reflect 0x30x12.
The loan file is missing the Full 12 months payment history for the Primary
property, and missing the xxxxxx payments for
xxxxxx , xxxxxx , xxxxxx , xxxxxx , and these properties are
missing the xxxxxx payment for xxxxxx
, xxxxxx , xxxxxx and missing thexxxxxx Mortgage payments for
the Mortgage statement which reflects multiple properties in xxxxxx .
|
Updated mortgages -
xx/xx/xxxx |
mortgage updated - xx/xx/xxxx Updated mortgages - xx/xx/xxxx |
2026-07-21 14:45 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000131920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 8 of 10 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Per Lender Guidelines 2.3 xxxxxx DSCR Plus Program -
Housing history verification is required on subject property and borrower
primary residence, regardless of whether or not the borrower is on the Note
or Vested on Title. Any additional housing history included in the loan file
that reflects delinquencies will be subject to review and must adhere to loan
program matrix - Per the Matrix 16.3 Housing history must reflect 0x30x12.
The loan file is missing the Full 12 months payment history for the Primary
property, and missing the xxxxxx to xxxxxx payments for xxxxxx ,
xxxxxx , xxxxxx , xxxxxx , and
these properties are missing the xxxxxx - xxxxxx payment for xxxxxx , xxxxxx , xxxxxx
and missing the xxxxxx to xxxxxx Mortgage payments for the Mortgage
statement which reflects multiple properties in xxxxxx . |
updated mortgage payments
- xx/xx/xxxx |
VOM pay history updated - xx/xx/xxxx updated mortgage payments - xx/xx/xxxx |
2026-07-21 14:43 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132007 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 9 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Lender to provide the VOR for the borrower's current
residence to verify timely rental payments. |
Verified online payment site - xx/xx/xxxx Please note we provided a lease which is provided by a management company not a private rental along with a printout showing the borrower has made timely payments. look at the bottom of the printout it matches the lease and the management company website. page 1 of the lease clearly states they offer an online payment site. - xx/xx/xxxx please see attached lease - xx/xx/xxxx VOR - xx/xx/xxxx |
Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is not Missing - xx/xx/xxxx Verified online payment site - xx/xx/xxxx Please note we provided a lease which is provided by a management company not a private rental along with a printout showing the borrower has made timely payments. look at the bottom of the printout it matches the lease and the management company website. page 1 of the lease clearly states they offer an online payment site. - xx/xx/xxxx Condition upheld. The provided lease does not prove Housing History. The Account History does not prove Housing History as there is nothing showing the Borrower made the payments and/or to whom. Provide cancelled checks or an Institutional VOR. See attached xxxxxx Guidelines. - xx/xx/xxxx please see attached lease - xx/xx/xxxx Condition upheld. The Account History does not verify rental history. Provide a VOR and/or cancelled checks as required per guidelines. - xx/xx/xxxx VOR - xx/xx/xxxx |
2026-07-01 14:55 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132282 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Used housing history does not meet guides condition:
xxxxxx Guides xx/xx/xxxx V 8.9 require the following: Twelve (12) months
housing history is required for all occupancy types – Primary, Second Home
and Investment Properties. If primary housing is documented as free and
clear, no exception is needed; This includes whether or not the borrower is
on the Note or Vested on Title of their primary. Finding: Only 2 mortgage
statements provided for the primary residence. This mortgage is not reflected
on the credit report, but is verified as the borrower's primary residence.
The 12 month housing history is missing in the loan file. |
Duplicate condition was previously cleared - xx/xx/xxxx |
Duplicate condition was previously cleared - xx/xx/xxxx 12 month Mortgage history was provided from the xxxxxx Condition resolved. - xx/xx/xxxx |
2026-07-13 21:32 | Resolved | 1 | 1 | 3 | 1 | ||||
| 4000133984 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 7 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Per the final 1003, there is no mortgage associated with
the borrower's primary residence. Documentation supporting this is missing
from the loan file. |
NO MORTGAGE,. SEE ATTACHED HOI AND TAX STATEMENT - xx/xx/xxxx |
Primary owned F/C. - xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx NO MORTGAGE,. SEE ATTACHED HOI AND TAX STATEMENT - xx/xx/xxxx |
2026-07-15 17:20 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134390 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Missing 12 mos mortgage pay history to meet guideline
requirements for subject property. |
see attached -
xx/xx/xxxx |
documentation meet requirments - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-24 19:25 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134877 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Per the lender guidelines, datedxx/xx/xxxx, DSCR -
Housing history verification is required on subject property and borrower
primary residence, regardless of whether or not the borrower is on the Note
or Vested on Title. Per the final 1003, it reflects the Borrower owned their
previous property for 6 years; The credit report reflects a mortgage which
was opened in xxxxxx. The loan file is missing the primary housing history from
xxxxxx. |
vom letter - xx/xx/xxxx |
VOM updated - xx/xx/xxxx vom letter - xx/xx/xxxx |
2026-07-24 19:21 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135002 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. A Verification of Rent (VOR) or Verification of Mortgage
(VOM). If no mortgage exists for the properties, provide documentation or
other evidence confirming that no mortgage obligation exists. |
See previous uploaded property info provided - xx/xx/xxxx |
Primary is F/C. - xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx See previous uploaded property info provided - xx/xx/xxxx |
2026-07-10 14:22 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136163 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Per the lender guidelines, V 8.9 Section 7.2 Housing
history - Twelve (12) months housing history is required for all occupancy
types – Primary, Second Home and Investment Properties. If the borrower is
living rent-free as a dependent with family and a 12-month housing history is
not applicable, a rent-free letter is required. For first-time homebuyers,
rent-free is permitted with no credit exceptions. The Final 1003 reflects the
borrower was living rent free; however, there was not a rent-free letter or
any other housing history in the loan file.
|
see attached -
xx/xx/xxxx |
Rent Free Letter provided.
- xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-16 14:59 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137128 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is Missing. Per lender guidelines v8.9 Housing History 7.2 - Twelve
(12) months housing history is required for all occupancy types – Primary,
Second Home and Investment Properties. All mortgages and rental payments
should be current at time of closing. The loan file did not have any
documentation of the Borrowers rental history for the past 12 months. |
See attached -
xx/xx/xxxx |
Lease Agreements and bank statements showing rental payments
were made was provided. Condition
resolved. - xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-08 14:27 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137967 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Missing VOM or VOR | Guidelines require housing history verification on the subject
property and borrower primary residence. Unable to determine if primary
residence housing history is in file as no application was provided. Verification of Rent (VOR)/Verification of
Mortgage (VOM) Document is Missing. |
12 months of mortgage statements are attached - xx/xx/xxxx |
Received 12 monthsxxxxxxmortgage statements documenting primary
residence housing history paid as agreed, xx/xx/xxxx through xx/xx/xxxx . - xx/xx/xxxx Received 12 months mortgage statement fromxxxxxx #xxxxxx to document the primary residence housing history, from xx/xx/xxxx through xx/xx/xxxx , paid as agreed. Subject loan closedxx/xx/xxxx. - xx/xx/xxxx 12 months of mortgage statements are attached - xx/xx/xxxx |
2026-07-22 18:14 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000125645 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Compliance | Missing Warranty / Transfer Deed | Warranty / Transfer Deed is not provided. Missing executed
Quitclaim deed transferring property from xxxxxx , a xxxxxx Limited Liability Company to borrower
xxxxxx . Per title vesting in individual, not LLC. |
qc - xx/xx/xxxx |
Received Quit Claim deed. - xx/xx/xxxx qc - xx/xx/xxxx |
2026-06-15 14:18 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000129660 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | Missing Warranty / Transfer Deed | Warranty / Transfer Deed is not provided. The Grant/Warranty
deed for the subject transaction is missing in the loan file. |
Received executed warranty deed - xx/xx/xxxx warranty deed - xx/xx/xxxx |
. - xx/xx/xxxx Received executed warranty deed - xx/xx/xxxx warranty deed - xx/xx/xxxx |
2026-06-23 15:33 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000135008 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 7 | xx/xx/xxxx | Compliance | Missing Warranty / Transfer Deed | Warranty / Transfer Deed is not provided. Lender to provide
quit-claim/transfer deed from xxxxxx
to xxxxxx , missing from the
loan file. |
Warranty Deed - xx/xx/xxxx |
Warranty Deed Provided - xx/xx/xxxx Warranty Deed - xx/xx/xxxx |
2026-06-23 13:47 | Resolved | 4 | 1 | 4 | 2 | ||||
| 4000135688 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 8 | xx/xx/xxxx | Compliance | Missing Warranty / Transfer Deed | Warranty / Transfer Deed is not provided. The Warranty/Transfer
Deed for the subject property is missing in the loan file. |
warranty deed - xx/xx/xxxx |
Received recorded warranty deed - xx/xx/xxxx warranty deed - xx/xx/xxxx |
2026-06-24 17:10 | Resolved | 4 | 1 | 4 | 2 | ||||
| 4000126554 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Credit | Named Insured on HO6 Master Policy does not match HOA Name | Named insured on HO-6 master insurance policy does not match HOA
name. Condo Master insurance policy omits xxxxxx as a named insured. Policy
must be updated to reflect/match HOA. |
Named Insured on HO-6 Master Insurance Policy matches HOA Name
or Property is Not a Condominium - xx/xx/xxxx |
2026-05-22 14:09 | Resolved | 3 | 1 | 3 | 2 | |||||
| 4000119860 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-04-21 20:01 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000128602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-06-19 19:12 | Cleared | 1 | 1 | 1 | |||||||
| 4000129204 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 7 of 10 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-06-10 22:53 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000129593 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-10 17:43 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000129778 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-06-17 16:22 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130519 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-06-09 21:48 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130667 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-07-14 16:29 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000130720 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-06-22 16:10 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000131140 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-06-23 21:47 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000131168 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 20:08 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131695 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-06-30 15:39 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131821 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-06-12 22:11 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000132520 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-06-22 14:24 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000132534 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
The loan meets all applicable compliance guidelines. -
xx/xx/xxxx |
2026-07-09 12:15 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000132724 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-06-30 21:36 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000132881 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Please let us know, What is required on this ? - xx/xx/xxxx |
Informational - xx/xx/xxxx Please let us know, What is required on this ? - xx/xx/xxxx |
2026-06-30 16:56 | Cleared | 1 | 1 | 4 | 1 | ||||
| 4000132893 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-07-09 19:37 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000132912 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 22:54 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133219 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 22:55 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133278 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
The loan meets all applicable compliance guidelines. -
xx/xx/xxxx |
2026-07-07 21:53 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133315 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-02 18:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133344 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-06-23 17:55 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000133347 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
The loan meets all applicable compliance guidelines. -
xx/xx/xxxx |
2026-07-09 12:05 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133415 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-14 22:11 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133755 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 22:32 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134282 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 22:39 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134391 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-06-29 21:51 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134502 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-13 17:20 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134515 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-01 22:01 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134524 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-06-29 16:40 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134547 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-13 17:21 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134570 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-06-30 21:53 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000134628 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-14 17:56 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134636 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
The loan meets all applicable compliance guidelines. -
xx/xx/xxxx |
2026-07-07 23:28 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134739 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-20 21:18 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134773 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
The loan meets all applicable compliance guidelines. -
xx/xx/xxxx |
2026-07-07 15:56 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134812 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-16 20:39 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134905 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
The loan meets all applicable compliance guidelines. -
xx/xx/xxxx |
2026-07-13 19:41 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135137 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
The loan meets all applicable compliance guidelines. -
xx/xx/xxxx |
2026-07-07 14:43 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135289 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
The loan meets all applicable compliance guidelines. -
xx/xx/xxxx |
2026-07-08 20:47 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135417 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-22 19:27 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135604 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-21 18:58 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135867 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
The loan meets all applicable compliance guidelines. -
xx/xx/xxxx |
2026-07-07 23:34 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135898 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-14 21:25 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135918 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-07-09 21:31 | Cleared | 1 | 1 | 4 | 2 | ||||||
| 4000136090 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
The loan meets all applicable compliance guidelines. -
xx/xx/xxxx |
2026-07-09 23:51 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136177 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 21:31 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136362 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 6 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-14 21:23 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136533 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-07-14 20:56 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000136691 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-14 20:02 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000136918 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-01 22:30 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137011 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-16 20:13 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137019 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-23 17:14 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137038 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-17 18:43 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137128 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 17:16 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137275 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-17 15:06 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137322 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-25 23:04 | Cleared | 1 | 1 | 2 | 2 | |||||
| 4000137393 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-20 21:20 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137487 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2026-07-15 19:11 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000137834 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-21 16:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138012 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 2 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
The loan meets all applicable compliance guidelines. -
xx/xx/xxxx |
2026-07-21 13:29 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000138357 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-28 14:55 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138462 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-29 14:51 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138670 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-29 17:02 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138719 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 2 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
Informational - xx/xx/xxxx |
2026-07-24 20:47 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000096434 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-16 20:13 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000098490 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Finding was cleared. - xx/xx/xxxx DSCR / Business Purpose loans are exempt from Reg Z and Reg X. - xx/xx/xxxx |
2025-12-26 18:37 | Cleared | 1 | 1 | 4 | 1 | |||
| 4000098495 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-02-02 17:26 | Cleared | 1 | 1 | 4 | 1 | |||
| 4000104202 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2025-12-30 08:08 | Cleared | 1 | 1 | 1 | 1 | ||||
| 4000109897 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-01-28 01:51 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000110063 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-03-02 23:13 | Cleared | 1 | 1 | 1 | 1 | |||
| 4000110647 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-03-11 15:42 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000111650 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-03-06 21:50 | Cleared | 1 | 1 | 3 | 1 | ||||
| 4000116726 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-03-13 21:15 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000118368 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-04-29 20:50 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000118372 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg
X. |
2026-04-30 12:19 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000121802 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-04-13 14:23 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000123691 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-05-01 15:04 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000125821 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-05-13 19:04 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000126117 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 6 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-06-13 13:15 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000126475 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-01 22:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000126781 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-05-11 16:16 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000128066 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-30 15:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000128090 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-09 15:03 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000128166 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-16 21:08 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000128430 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-02 15:57 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000128684 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-18 21:49 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000128806 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-05-22 19:36 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000128890 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-27 13:29 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000128978 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-20 21:26 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000129182 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-10 00:23 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000129214 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-17 18:13 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000129356 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-05-20 21:09 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000129936 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-17 16:32 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130091 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-09 23:07 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130449 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-17 15:42 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130466 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-30 22:11 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130604 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-09 23:46 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000130784 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 6 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-25 20:56 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000130788 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-10 19:20 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130864 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-08 19:55 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130896 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
if they are exempt then what is needed to clear this condition.
thanks - xx/xx/xxxx |
if they are exempt then what is needed to clear this condition.
thanks - xx/xx/xxxx |
2026-07-10 18:05 | Cleared | 1 | 1 | 3 | 1 | ||||
| 4000130998 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 10 of 11 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-08 22:08 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000131097 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-06 23:23 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131157 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-02 18:16 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000131164 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-16 20:06 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131209 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-25 15:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000131337 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-06 20:31 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131516 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-05-31 19:57 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000131631 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-13 15:39 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000131641 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 6 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-08 16:52 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000131643 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-16 15:12 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000131793 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-23 17:45 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000131822 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-07 12:08 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 10 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-07 23:40 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000131939 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg
X. |
2026-06-19 18:40 | Cleared | 1 | 1 | 1 | |||||||
| 4000131943 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg
X. - xx/xx/xxxx |
2026-07-15 17:03 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131951 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-19 19:19 | Cleared | 1 | 1 | 1 | |||||||
| 4000132001 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 6 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-06-08 21:43 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000132007 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 9 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-10 20:03 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000132050 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-01 19:14 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000132206 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-09 22:30 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000132219 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-23 19:44 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000132343 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-09 22:25 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000132562 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-09 16:45 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000132567 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-16 21:43 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000132602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-07 12:13 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000132711 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-16 22:15 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000132735 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-24 14:49 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000132761 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-30 17:43 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000132762 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-19 22:32 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000132822 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg
X. - xx/xx/xxxx |
2026-06-24 14:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000132839 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-07 12:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000132948 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-09 18:59 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000132990 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-13 19:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133014 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-21 13:31 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133016 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-17 15:56 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133042 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-26 18:59 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133056 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-16 20:37 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000133169 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-23 03:04 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000133184 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-02 15:33 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000133197 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-25 22:57 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133228 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-26 21:37 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133289 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-10 20:15 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133318 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-08 20:52 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133401 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-23 19:12 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000133498 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-02 20:38 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133531 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-13 15:30 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133544 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-01 19:18 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133561 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-17 18:41 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133562 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-13 15:33 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133639 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 6 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-31 19:11 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000133668 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-01 19:22 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133696 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-06-12 15:43 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000133753 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-18 19:29 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000133789 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 6 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-10 21:31 | Cleared | 1 | 1 | 4 | 2 | ||||||
| 4000133829 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-24 19:02 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000133982 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-10 20:35 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133984 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 7 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-13 19:23 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133999 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-14 04:41 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000134000 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-06 21:28 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134099 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-15 20:39 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000134116 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-13 15:50 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134149 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-02 19:30 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000134156 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-20 15:23 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134159 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Business Purpose - xx/xx/xxxx |
Finding cleared. Left open in error - xx/xx/xxxx Business Purpose - xx/xx/xxxx |
2026-07-02 18:36 | Cleared | 1 | 1 | 1 | 1 | ||||
| 4000134163 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-09 12:11 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134213 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-26 13:38 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134217 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 2 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-26 16:07 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134304 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-24 20:48 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134312 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 6 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-26 03:23 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134327 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-28 14:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134353 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-07 12:23 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134390 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-24 14:47 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134416 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-30 23:13 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134423 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-07 23:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134429 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-07 20:41 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134464 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-08 16:41 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134511 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-07 12:19 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134532 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-08 21:30 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134556 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-26 20:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134560 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-06-26 12:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134573 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-06 20:35 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000134596 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-22 19:47 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134635 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-29 21:47 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134665 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-15 21:25 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134677 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-23 18:59 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000134680 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-06 22:35 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134698 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-29 22:12 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134708 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-07 23:29 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134756 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-09 23:49 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134798 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-29 19:05 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134837 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-30 16:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134877 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-19 22:30 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134908 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-13 18:37 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134921 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-10 20:48 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134941 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 2 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-01 22:28 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135002 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-08 19:54 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135005 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-09 14:59 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135014 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-30 12:06 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135104 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-01 22:13 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135135 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-08 21:01 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135213 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-07 17:50 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135225 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-24 16:58 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135233 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-22 21:31 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135282 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-07 23:33 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135298 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-01 19:27 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135303 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-02 21:06 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135347 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-19 22:28 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135354 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-09 12:07 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135395 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-02 18:55 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135464 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-08 20:49 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135494 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-26 13:18 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135593 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-01 15:34 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135672 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-20 17:05 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135680 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-29 21:49 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135688 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 8 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-23 20:45 | Cleared | 1 | 1 | 4 | 2 | ||||||
| 4000135731 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-06 17:12 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135741 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-24 13:49 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135768 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-15 20:24 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000135801 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-23 17:18 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135839 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-06-25 15:54 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000135873 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-21 14:39 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135934 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-06 15:22 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135954 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-01 22:15 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135967 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-06 21:36 | Cleared | 1 | 1 | 4 | 2 | |||||
| 4000136023 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-22 19:21 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136054 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-16 20:07 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136112 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-10 20:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136137 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-28 16:16 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136209 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-20 21:22 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136240 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-13 22:02 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136309 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-10 17:47 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136327 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-23 18:18 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136334 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-10 21:59 | Cleared | 1 | 1 | 2 | 1 | |||||
| 4000136339 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-06-30 11:58 | Cleared | 1 | 1 | 2 | 1 | |||||
| 4000136357 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-21 21:06 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136378 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-14 04:16 | Cleared | 1 | 1 | 2 | 1 | ||||||
| 4000136430 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-17 18:46 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136436 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-10 19:34 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136443 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-10 18:03 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136445 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-10 21:24 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000136464 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-13 15:29 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136493 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-14 19:03 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136509 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-07 14:51 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136565 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-17 20:37 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136580 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-15 19:40 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000136596 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-23 17:26 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-15 21:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136622 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-13 22:17 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136631 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-27 13:56 | Cleared | 1 | 1 | 2 | 1 | |||||
| 4000136647 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-27 21:08 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136731 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-25 22:40 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136734 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-20 18:28 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136748 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-24 18:39 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136755 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-22 19:19 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000136796 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-21 21:16 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136848 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-22 01:17 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136862 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-20 21:23 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136865 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-08 20:45 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136867 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-22 12:21 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136911 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-19 22:38 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136913 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-29 12:33 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136988 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-16 17:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137018 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-08-06 21:47 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137040 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-17 19:32 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137242 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-23 17:16 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000137324 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-22 12:21 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137328 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 9 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
DSCR / Business Purpose loans are exempt from Reg Z and Reg X. -
xx/xx/xxxx |
2026-07-13 17:35 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-13 15:49 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137696 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-10 21:28 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137812 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-24 18:36 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137816 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-17 15:54 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137840 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-17 16:01 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137967 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-22 12:14 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137974 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-22 01:20 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000137982 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-19 22:34 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000138013 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-17 16:58 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138028 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-24 20:04 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138092 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-28 21:09 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138160 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-24 15:32 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000138435 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-24 01:14 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000138597 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-27 20:09 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-22 16:18 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000138685 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-24 18:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138700 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
Informational |
2026-07-22 17:17 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000138732 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-07-15 19:06 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000138753 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-08-12 19:11 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138787 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-20 20:35 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000138803 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-22 19:29 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000138805 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-24 20:14 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138962 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-08-12 19:10 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000139198 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-24 19:44 | Cleared | 1 | 1 | 2 | 1 | |||||
| 4000139257 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-08-05 16:31 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000139279 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-30 19:35 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000139413 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-27 13:14 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000139679 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-30 15:03 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000139704 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-27 18:44 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000140246 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-07-29 17:00 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000141158 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-08-01 00:18 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000141201 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-08-19 18:16 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000141908 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-08-06 12:51 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000142020 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-08-19 20:29 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000143096 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
Informational - xx/xx/xxxx |
2026-08-11 19:25 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000142845 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-08-05 18:42 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000142969 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X.
|
2026-08-07 15:16 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000096434 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-16 20:13 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000098490 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2025-12-29 15:50 | Cleared | 1 | 1 | 4 | 1 | ||||
| 4000098495 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2025-11-12 19:48 | Cleared | 1 | 1 | 4 | 1 | ||||
| 4000104202 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-01-02 15:49 | Cleared | 1 | 1 | 1 | 1 | |||
| 4000104426 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-01-02 05:02 | Cleared | 1 | 1 | 3 | 1 | ||||
| 4000109897 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-01-28 01:50 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000110063 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-03-02 23:13 | Cleared | 1 | 1 | 1 | 1 | |||
| 4000110647 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-03-11 15:42 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000116726 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-03-13 21:15 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000118372 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-04-30 12:19 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000125821 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-05-13 19:08 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000126475 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-01 22:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000126781 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-05-11 16:16 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000127274 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-17 17:04 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000128066 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-30 15:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000128792 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-06-12 17:50 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000128890 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-27 13:29 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000129593 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-10 17:43 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000130519 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-09 21:47 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130792 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-30 19:30 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000130795 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-19 18:57 | Cleared | 1 | 1 | 1 | |||||||
| 4000131097 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 23:23 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131140 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-23 21:47 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000131164 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-16 20:06 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131168 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Added in error.
|
Informational - xx/xx/xxxx |
2026-07-06 20:08 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131337 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 20:31 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131643 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-16 15:12 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000131695 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-30 15:39 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131822 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-07 12:08 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131943 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-15 17:05 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000132050 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-01 19:14 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000132219 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-07-23 19:44 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000132534 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-09 12:15 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000132562 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-09 16:45 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000132724 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-30 21:36 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000132765 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-29 13:00 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000132822 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-24 14:06 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000132839 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-07 12:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000132948 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-07-09 19:01 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000132990 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-13 19:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133014 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-21 13:31 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133016 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-17 15:56 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133056 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-16 20:36 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000133197 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-25 22:57 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133219 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 22:55 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133228 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-26 21:37 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133278 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-07 21:54 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133289 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-10 20:15 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133315 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-02 18:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133318 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-08 20:52 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133344 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-23 17:58 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000133415 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-14 22:11 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133498 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-02 20:38 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133556 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 23:27 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133561 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-17 18:41 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133668 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-01 19:22 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133696 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-06-12 15:43 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000133755 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 22:32 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133789 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 6 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-10 21:31 | Cleared | 1 | 1 | 4 | 2 | ||||||
| 4000133982 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-10 20:35 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133992 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-23 22:22 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000133995 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 23:31 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000133999 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-07-14 04:41 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000134000 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 21:28 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134099 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-07-15 20:39 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000134116 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-13 15:50 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134156 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-20 15:23 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134159 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-08 13:18 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134163 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-09 12:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134213 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-26 13:38 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134282 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 22:39 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134304 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-24 20:49 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134327 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-28 14:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134353 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-07 12:23 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134391 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-29 21:51 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134416 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-30 23:13 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134423 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-07 23:27 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134511 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-07 12:19 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134515 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-01 22:01 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134524 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-29 16:40 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134556 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-26 20:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134560 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-06-26 12:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134570 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-06-30 21:52 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000134627 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-07-23 17:17 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134628 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-14 17:56 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134635 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-29 21:47 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134698 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-29 22:12 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134756 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-09 23:49 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134773 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-07 15:57 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134837 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-30 16:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134905 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-13 19:41 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134908 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-13 18:37 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135005 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-07-09 14:59 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135104 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-01 22:13 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135135 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-08 21:01 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135137 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-07 14:43 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135213 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-07 17:50 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135225 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-07-24 16:58 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135233 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-22 21:31 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135282 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-07 23:33 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135298 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-01 19:27 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135303 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-02 21:06 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135347 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-07-19 22:28 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135354 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-09 12:07 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135417 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-22 19:27 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135464 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-08 20:49 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135494 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-26 13:18 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135593 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-07-01 15:34 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135604 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-21 18:58 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135605 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx Informational - xx/xx/xxxx |
2026-06-26 21:32 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000135741 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-07-24 13:49 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135801 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-07-23 17:18 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135867 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-07 23:35 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135873 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-21 14:39 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135898 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-14 21:25 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135925 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-06-29 18:50 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135934 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-06 15:22 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135954 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-01 22:15 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136023 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-22 19:21 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136054 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-16 20:07 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136112 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. wrong
finding |
Informational - xx/xx/xxxx |
2026-07-10 20:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136137 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-28 16:16 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136209 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-20 21:22 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136240 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-07-13 22:04 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136327 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-23 18:18 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136357 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-21 21:06 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136428 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-13 15:41 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136430 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-17 18:46 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136436 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-10 19:34 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136443 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-10 18:03 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136493 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-14 19:03 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136509 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-07 14:51 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136565 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-22 15:47 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136596 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-07-23 17:26 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136598 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-07-14 04:36 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000136602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-15 21:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136622 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-13 22:17 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136647 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-27 21:08 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136731 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-07-25 22:40 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136748 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-24 18:39 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136848 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-07-22 01:17 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136862 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-20 21:23 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136865 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
The loan meets all applicable credit guidelines. - xx/xx/xxxx |
2026-07-08 20:46 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136913 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-29 12:33 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136918 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-01 22:30 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136988 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-16 17:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137011 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-16 20:13 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137018 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-08-06 21:47 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137019 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-23 17:14 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137083 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-22 21:26 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137242 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-07-23 17:16 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000137322 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-25 23:04 | Cleared | 1 | 1 | 2 | 2 | |||||
| 4000137393 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-20 21:20 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Rescinded. |
Informational - xx/xx/xxxx |
2026-07-13 15:49 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137696 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-10 21:28 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137812 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-24 18:36 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137816 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-17 15:54 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137834 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-21 16:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138013 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-17 16:58 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138028 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-24 20:04 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138092 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-28 21:09 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138160 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-07-24 15:32 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000138357 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-28 14:55 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138462 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-29 14:51 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138597 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-27 20:09 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-28 21:37 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000138617 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-07-14 04:56 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000138670 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-29 17:02 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138685 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-24 18:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138700 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. Informational
|
2026-07-22 17:17 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000138753 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-08-12 19:11 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138805 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-24 20:14 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000139198 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-24 19:44 | Cleared | 1 | 1 | 2 | 1 | |||||
| 4000139257 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-08-05 16:31 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000139704 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-07-27 18:44 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000141201 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-08-19 18:16 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000141908 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-08-06 12:51 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000142020 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-08-19 20:29 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000143096 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
Informational - xx/xx/xxxx |
2026-08-11 19:25 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000142845 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2026-08-05 18:42 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000098490 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. |
2025-12-29 15:50 | Cleared | 1 | 1 | 4 | 1 | ||||
| 4000098495 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. |
2025-11-10 22:18 | Cleared | 1 | 1 | 4 | 1 | ||||
| 4000134596 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. |
Informational - xx/xx/xxxx |
2026-07-22 19:47 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133107 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 7 | xx/xx/xxxx | Credit | Other Credit Finding | The appraisal and 1004D provided is not in color. Please provide
a color copy of the appraisal and 1004D. |
color appraisal - xx/xx/xxxx |
Colored Appraisal was provided.
Condition resolved. - xx/xx/xxxx color appraisal - xx/xx/xxxx |
2026-06-25 20:16 | Resolved | 4 | 1 | 4 | 2 | ||||
| 4000104038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 7 of 9 | xx/xx/xxxx | Compliance | Other Rider is Missing | 2nd rider is missing a signature. Please have 2nd rider for
contract fully executed. |
all signatures are present
- xx/xx/xxxx |
2nd rider is signed - xx/xx/xxxx all signatures are present - xx/xx/xxxx |
2025-12-15 17:54 | Resolved | 3 | 1 | 4 | 1 | |||
| 4000128830 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Compliance | Post Consummation CD Required | Post closing CD is required due to the seller's contribution of
$xxxxxx missing, or the sales contract addendum removing the seller's
contribution. Per the sales contract the seller is to pay 3% of the sales
price to the buyers brokerage and $xxxxxx to be applied to the buyers
expenses. The sales contract amendment completedxx/xx/xxxxeduces the seller
contribution to buyer to $xxxxxx
. |
Breakdown - xx/xx/xxxx |
Confirmed seller paid fees are $xxxxxx - xx/xx/xxxx Breakdown - xx/xx/xxxx |
2026-06-01 14:07 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000123691 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | Prepayment Penalty Information Missing | Prepayment Penalty information is missing. Note reflects
Prepayment addendum is attached, missing Prepayment addendum to note. |
PPP - xx/xx/xxxx New note was delivered yesterday morning xx/xx/xxxx with tracking:xxxxxx - xx/xx/xxxx xxxxxx for new note addendum. - xx/xx/xxxx |
PPP addendum provided - xx/xx/xxxx PPP - xx/xx/xxxx Please upload a signed copy for our review, it appears you are sending to the custodian, we do not have access to their files. - xx/xx/xxxx New note was delivered yesterday morning xx/xx/xxxx with tracking:xxxxxx - xx/xx/xxxx Nothing attached and no file document uploaded. Please provide note addendum for PPP. - xx/xx/xxxx xxxxxx for new note addendum. - xx/xx/xxxx |
2026-07-14 16:14 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000128792 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | Prepayment Penalty Information Missing | Prepayment Penalty information is missing. The signed Prepayment
Addendum to the Note does not reflect any of the terms and instead has
"N/A" inserted in the blanks for this information. |
Note PPP addendum provided - xx/xx/xxxx ppp - xx/xx/xxxx |
Note PPP addendum provided - xx/xx/xxxx Note PPP addendum provided - xx/xx/xxxx ppp - xx/xx/xxxx |
2026-07-20 12:02 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131518 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | Prepayment Penalty Information Missing | Prepayment Penalty information is missing. Missing Prepayment
addendum to note. The final Closing Disclosure and final Loan Confirmation
show there is a prepayment penalty effective for this loan. |
addendum - xx/xx/xxxx xxxxxx for prepayment note addendum - xx/xx/xxxx |
Received signed copy of the prepayment addendum to the note -
xx/xx/xxxx addendum - xx/xx/xxxx Please upload a signed copy for our review, it appears you are sending to the custodian, we do not have access to their files. - xx/xx/xxxx File is missing PPP Addendum to note, Please load document for reveiw. - xx/xx/xxxx xxxxxx for prepayment note addendum - xx/xx/xxxx |
2026-07-13 13:28 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134716 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | Prepayment Penalty Information Missing | Prepayment Penalty information is missing. The loan file
contains the subject Note which states the Prepayment Penalty Addendum
Attached to the Note; however, the loan file is missing the Prepayment. |
Informational - xx/xx/xxxx |
2026-07-16 20:05 | Cleared | 3 | 1 | 3 | 1 | |||||
| 4000133789 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 6 | xx/xx/xxxx | Credit | Program Parameters - Borrower/Business Entity Ineligibility | Per xxxxxx GL, 4.7.1 - § Properties vested in any of these
manners are limited to Investment and Business Purpose and the following
requirements must be met: § Entities must be formed for the purpose of
Ownership and Management of Real Estate§ Max of four (4) entity owners
allowed– All eligible guarantors must be disclosed, and credit qualify -
eligibility listed in section below§ All Borrower(s) must execute the
Occupancy Certification or similar form subject to xxxxxx pre-approval§ For DSCR Borrower(s)
obtaining a Rate / Term or Cash-Out Refinance loan, the Borrower must execute
the xxxxxx Business Purpose &
Occupancy Affidavit. Please reach out to xxxxxx for exception to vest only in
Entity and not close as an entity. |
exception - xx/xx/xxxx |
xxxxxx exception provided. Note to be held in name of individual
and not business. Approved. - xx/xx/xxxx Exception approved, downgraded. - xx/xx/xxxx xxxxxx exception provided. Note to be held in name of individual and not business. Approved. - xx/xx/xxxx exception - xx/xx/xxxx |
Great Credit, reserves, housing and DSCR. DSCR ratio xxxxxx, FICO xxxxxx, 60 mos reserves, 75% LTV. | 2026-07-16 16:08 | Waived | 3 | 2 | 4 | 2 | |||
| 4000128830 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Credit | Program Parameters - Borrower/Business Entity Ineligibility | The subject is vested in a business. File is missing Articles of incorporation,
Operating agreement, EIN & Certificate of good standing as required in
the xxxxxx Guides xx/xx/xxxx. |
Fully executed operating agreement provided. - xx/xx/xxxx Updated form - xx/xx/xxxx Fully executed Operating agreement - xx/xx/xxxx Operating agreement - xx/xx/xxxx EIN and LLC letter - xx/xx/xxxx Certificate of filing - xx/xx/xxxx |
Fully executed operating agreement provided. - xx/xx/xxxx Fully executed operating agreement provided. - xx/xx/xxxx Updated form - xx/xx/xxxx Condition upheld. There is no LLC name on Page one. - xx/xx/xxxx Fully executed Operating agreement - xx/xx/xxxx Condition upheld. The Operating Agreement has no LLC name, No dates, No percentages. Provide a Complete and Executed Operating Agreement. - xx/xx/xxxx Operating agreement - xx/xx/xxxx Condition upheld. EIN was provided. The Operating Agreement is not executed. Provide the executed Operating Agreement. - xx/xx/xxxx EIN and LLC letter - xx/xx/xxxx Condition upheld. The Articles of incorporation, & Certificate of good standing were provided. Provide the Operating agreement, Evidence of EIN - xx/xx/xxxx Certificate of filing - xx/xx/xxxx |
2026-07-23 13:58 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000131920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 10 | xx/xx/xxxx | Credit | Program Parameters - Borrower/Business Entity Ineligibility | Program Parameters - Borrower/Per xxxxxx GL, 4.7.1 - §
Properties vested in any of these manners are limited to Investment and
Business Purpose and the following requirements must be met: § Entities must
be formed for the purpose of Ownership and Management of Real Estate§ Max of
four (4) entity owners allowed– All eligible guarantors must be disclosed,
and credit qualify - eligibility listed in section below§ All Borrower(s)
must execute the Occupancy Certification or similar form subject to xxxxxx pre-approval§ For DSCR Borrower(s)
obtaining a Rate / Term or Cash-Out Refinance loan, the Borrower must execute
the xxxxxx Business Purpose &
Occupancy Affidavit. Please reach out to xxxxxx for exception to vest only in
Entity and not close as an entity. Business Entity Ineligibility. |
Updated DOT to correct signatures per vesting requirements. - xx/xx/xxxx Updated Deed - xx/xx/xxxx |
Updated DOT provided to correct vesting per guidelines. - xx/xx/xxxx Updated DOT to correct signatures per vesting requirements. - xx/xx/xxxx Updated Deed - xx/xx/xxxx |
2026-07-17 13:17 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000134798 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Credit | Program Parameters - Borrower/Business Entity Ineligibility | Per xxxxxx Guides xx/xx/xxxx V 8.9, Section 4.7 - Entity Vesting
Requirements for LP, GP, CORP & LLC
- The 1st requirement is as folllows:
Properties vested in any of these manners are limited to Investment
and Business Purpose and the following requirements must be met: 1) Entities
must be formed for the purpose of Ownership and Management of Real Estate.
The Operating Agreement for the LLC used for vesting is generic and does not
include it's purpose in relation to the xxxxxx requirements 'for the purpose
of Ownership and Management of Real Estate.' |
attached are details satisfying guidelines - xx/xx/xxxx |
Received Operating Agreement amendment specifying the purpose of
the LLC was for owning and management of real estate. - xx/xx/xxxx attached are details satisfying guidelines - xx/xx/xxxx |
2026-07-10 17:54 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135008 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 7 | xx/xx/xxxx | Credit | Program Parameters - Borrower/Business Entity Ineligibility | Per the Deed of Trust the subject is vesting in a business -
xxxxxx . xxxxxx Guides 8.9 dated xx/xx/xxxx section 4.7 provides the business
vesting requirements and the following documentation required is not provided
in file. 1) Articles of Incorporation, 2) Tax Identification Number & 3),
Certificate of Good Standing (Must be dated within 30 days of closing). |
business docs -
xx/xx/xxxx operating agreement - xx/xx/xxxx business docs - xx/xx/xxxx |
Waived by investor as a one-time exception. - xx/xx/xxxx Received entity documentation, need legal docs signed as individuals and members. - xx/xx/xxxx EIN, Good Standing, LLC Cert of formation provided. All required LLC doumentation provided. borrower will need to sign documents per xxxxxx guidelines as individual and member. - xx/xx/xxxx business docs - xx/xx/xxxx Received Operating agreement, still required :Articles of Incorporation, Tax Identification Number from IRS (EIN), Certificate of Good Standing. Borrower will need to sign as member and individual. - xx/xx/xxxx operating agreement - xx/xx/xxxx Condition upheld. The xxxxxx Franchise Tax Account Status was provided. The file is missing, Articles of Incorporation, Tax Identification Number from IRS, Certificate of Good Standing, Operating Agreement. - xx/xx/xxxx business docs - xx/xx/xxxx |
2026-07-08 19:37 | Waived | 3 | 2 | 4 | 2 | ||||
| 4000135943 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 7 | xx/xx/xxxx | Credit | Program Parameters - Borrower/Business Entity Ineligibility | Borrower documented asylum seeking documents, at this time the
loan is ineligible for purchase. |
. The attached is the approval for asylum. They are not seeking
asylum, the borrower has been granted asylum This letter is dated xx/xx/xxxx so it was not at the time of the loan. Is there a rep that you can email on this to say that it was GRANTED, not SEEKING? - xx/xx/xxxx attached - xx/xx/xxxx |
Confirmation borrower is not seeking Asylum it has been granted.
Allowed per guidelines. -
xx/xx/xxxx . The attached is the approval for asylum. They are not seeking asylum, the borrower has been granted asylum This letter is dated xx/xx/xxxx so it was not at the time of the loan. Is there a rep that you can email on this to say that it was GRANTED, not SEEKING? - xx/xx/xxxx xxxxxx confirmed via email, at this time the citizenship status of seeking Asylum are not eligible for purchase. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-07-17 12:31 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000131521 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per
guidelines-Vacant properties not eligible for Refinance with exception of
properties currently vacant due to the subject property having undergone
recent renovation or rehab, with the intention of being rented out soon.
Support of this must be provided via the appraiser confirming recent work
completed and providing visual evidence. In scenarios like this, market rent from the 1007 schedule in the property
appraisal may be used to qualify. Initial 1003 stated 2nd home, appraisal stated owner occupied, and no evidence of above reason property vacant. Borrower awarded property through divorce decree, with the refinance/vest into borrowers name. No exception located in file for vacant property. |
Exception Form -
xx/xx/xxxx Exception Form - xx/xx/xxxx |
Approved Exception provided for subject property being vacant
due to divorce and transfer of ownership.
Final Divorce decree in file. - xx/xx/xxxx Exception Form - xx/xx/xxxx Exception Form - xx/xx/xxxx |
xxxxxx months reserves, $xxxxxx residual income and 65% LTV. | 2026-07-13 19:48 | Waived | 3 | 1 | 3 | 1 | |||
| 4000121802 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Condo
Master Insurance has a deductible that is roughly 8% of the coverage
amount. FNMA limit is 5%. A formal exception is in file. |
The exception was approved due to FICO score above program minimum by twenty (20) points or higher, DTI below program maximum by 5% points or greater, Residual income $xxxxxx above the program minimum required, 0 X 30 X 24-month housing history, and LTV is at least 5% below guideline limits. | 2026-04-10 04:04 | Waived | 2 | 2 | 3 | 2 | |||||
| 4000139679 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per
guidelines-If executed lease agreement reflects a higher monthly rent than an
Appraisal, it may be used in the calculation with sufficient evidence of
receipt. Two (2) most recent, consecutive months should be provided. Loan
qualified/approved with higher monthly $xxxxxx vs market $xxxxxx . Guidelines are not met as only
have 1 mo of most recent rent receipt as guideline require the 2 mos most
recent. Security deposit does not meet requirements for receipt of rent. |
attached - xx/xx/xxxx As this is a purchase and not a refinance, since the borrower did not own the property before closing, it is impossible to provide two months of rental payment history before the loan funds. The file includes 1st month rent and security deposit. The guideline requiring two months of rental receipts is intended for situations where the property is already owned and rented, such as a refinance. It is not practical to apply that same requirement to a purchase because there is no way for a borrower to have two months of rental history before purchasing the property. - xx/xx/xxxx File is a purchase. It'll have only 1 month. - xx/xx/xxxx |
Exception to use 1 month rent and 1 month security deposit for
use of 125% of market rent.
Approved. - xx/xx/xxxx attached - xx/xx/xxxx The subject loan does not conform to program guidelines. Per guidelines-If executed lease agreement reflects a higher monthly rent than an Appraisal, it may be used in the calculation with sufficient evidence of receipt. Two (2) most recent, consecutive months should be provided. Guidelines do not differentiate between purchase and refinance therefore 2 months are required to use the higher amount. - xx/xx/xxxx As this is a purchase and not a refinance, since the borrower did not own the property before closing, it is impossible to provide two months of rental payment history before the loan funds. The file includes 1st month rent and security deposit. The guideline requiring two months of rental receipts is intended for situations where the property is already owned and rented, such as a refinance. It is not practical to apply that same requirement to a purchase because there is no way for a borrower to have two months of rental history before purchasing the property. - xx/xx/xxxx The guidelines do not make any differentiation between purchase and refinance for the use of the higher of rents or market rent survey amounts. Rental income = lower of Lease agreement or market rent survey from appraisal report on the rent schedule. The higher 12-month lease agreement amount may be used with evidence of the most recent 2 months, consecutive history of timely receipt and the lease agreement amount may not be greater than 125% of the market rent from appraisal report. - xx/xx/xxxx File is a purchase. It'll have only 1 month. - xx/xx/xxxx |
FICO xxxxxx, LTV 70%, DSCR xxxxxx. | 2026-08-05 12:32 | Waived | 3 | 2 | 3 | 2 | |||
| 4000117280 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines.
Borrowers 3 and 4 are Non-Occupying Co-Borrowers. Per guidelines,
Non-Occupying Co-Borrowers may not have an interest in the property sales
transaction. However, both Borrower 3 and Borrower 4 are listed on the sales
contract addendum, and the Earnest Money Deposit was paid by Borrower 3. |
EXCEPTION - xx/xx/xxxx |
Exception provided for:
Non occupant coborrower max DTI is 43% - please review for DTI
exception. Also please confirm non occupant borrowers are acceptable they
currently reside in and will continue to reside in primary home borrowers are
departing rent free. (relationship child) - xx/xx/xxxx EXCEPTION - xx/xx/xxxx |
FICO xxxxxx, borrowers have owned businesses for over 5 years,
xxxxxx in residual income. |
2026-03-11 14:10 | Waived | 3 | 2 | 3 | 2 | ||
| 4000135967 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. DSCR
ratio is x.xxxx please review the
lease agreement provided showing current rent of $xxxxxx with two most recent
months rental deposits in lieu of three months. Please advise if we can use
the $xxxxxx or move forward with a cashout refi at x.xxxx DSCR ratio as an exception. |
Exception conditionally approved to allow the use of higher rents at $xxxxxx subject to verification of the past 12 months housing for subject property paid timely 0X30. No other exceptions allowed. Comp Factors include REO ownership pn primary paid 0X30X36 months borrower has 12 months investor experience and cashout towards reserves. | 2026-07-06 20:38 | Waived | 2 | 2 | 4 | 2 | |||||
| 4000130788 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Missing
completed exception form with verified compensating factors to waive minimum
loan amount requirement. |
xxxxxx exception - xx/xx/xxxx exception - xx/xx/xxxx |
Seller and Investor Approved Exceptions were provided for Loan
Amount of $ xxxxxx not meeting Seller Guideline Minimum of $xxxxxx
- xx/xx/xxxx xxxxxx exception - xx/xx/xxxx Investor has requested that the exception for loan amount be sent directly to them for approval, please sent to investor. - xx/xx/xxxx exception - xx/xx/xxxx |
DSCR Purchase w/25% down, xxxxxx FICO, xxxxxx DSCR, and 3 months reserves. | 2026-06-30 19:51 | Waived | 3 | 1 | 3 | 1 | |||
| 4000132720 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 7 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per
guidelines-Multiple listings in the past twelve (12) months will not be
eligible for purchase by xxxxxx . Loan approved/qualified using current
appraised value. Exception request due to the subject property was listed for
sale in xxxxxx and removed in
xx/xx/xxxx . Lowest listing price was $xxxxxx. Looking to rate/term refinance this
property using the appraised value of $xxxxxx at 67% LTV. |
Exception provided, the subject property was listed for sale
in xxxxxx and removed in xx/xx/xxxx .
Lowest listing price was $xxxxxx.
Looking to rate/term refinance this property using the appraised value
of $xxxxxx at 67% LTV. Approved. -
xx/xx/xxxx |
Compensating factors- 1. Property has been leased since xxxxxx for $xxxxxx/month ($xxxxxx is the market rent on the 1007). 2. The borrowers are repeat customers of IFC both have FICOs over xxxxxx. 3. Bank statements currently showing $xxxxxx in a business bank account as ofxx/xx/xxxx |
2026-07-16 16:22 | Waived | 2 | 2 | 3 | 2 | ||||
| 4000132007 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 9 of 9 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Loan is
locked as an Agency Conforming loan.
Loan is vesting in an LLC.
xxxxxx do not allow LLC Vesting.
|
please see attached updated lock confirmation - xx/xx/xxxx loan is a non qm - xx/xx/xxxx |
Corrected lock changing loan program from: Agency Conforming to
30Fixed xxxxxx was provided. Condition
resolved. - xx/xx/xxxx please see attached updated lock confirmation - xx/xx/xxxx Document Uploaded. Condition upheld. Per the attached xxxxxx Lock Confirmation, the loan is locked as an Agency Conforming loan. Provide corrected xxxxxx lock. - xx/xx/xxxx loan is a non qm - xx/xx/xxxx |
2026-06-17 18:18 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000133107 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 7 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The
subject property is being refinanced. Per the appraisal, the subject property
is vacant. Per guidelines, Vacant properties are not eligible for refinance
with the exception of properties currently vacant due to the property having
undergone recent renovation or rehab with the intention of being rented out
soon. Support of this must be provided via the appraiser confirming recent
work completed and providing visual evidence. The appraiser's statement is
missing from the loan file. |
property short term rental xxxxxx. please clarify what is needed to clear the
suspense - xx/xx/xxxx |
Verified STR, per GL using lower of market rent amount of $xxxxxx Vacancy due to
STR. - xx/xx/xxxx property short term rental xxxxxx . please clarify what is needed to clear the suspense - xx/xx/xxxx |
2026-06-29 14:30 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000133829 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The
guidelines dated xx/xx/xxxx require a Business Narrative to be completed on
all bank statement loans. The Business Narrative in the file is incomplete
and does not contain all the required information. In addition, guidelines
require an internet search of the business to support the Business Narrative,
which was not located in the file. |
See attached - xx/xx/xxxx
See attached - xx/xx/xxxx |
Complete Business Narrative was provided. Condition resolved. - xx/xx/xxxx See attached - xx/xx/xxxx Condition upheld. The same incomplete Business Narrative Form was provided. Every section must be filled out on the form. - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-01 20:20 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134665 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per the
Lender Guidelines, xxxxxx Overlay v8.9 - section 16.3 - The maximum cash out
for an LTV over 60% LTV is $xxxxxx. The subject loan is a cash out refinance
and the borrower is receiving cash back of $xxxxxx ; however, the LTV is 70%
which in not allowed. |
LTV = xxxxxx% based on loan UPB $xxxxxx and appraisal value
of $xxxxxx . I am not sure the $xxxxxx
limit would apply with the updated LTV - xx/xx/xxxx |
Loan is under 60%, appraisal was provided in rebuttal. CO
allowed. - xx/xx/xxxx LTV = xxxxxx% based on loan UPB $xxxxxx and appraisal value of $xxxxxx . I am not sure the $xxxxxx limit would apply with the updated LTV - xx/xx/xxxx |
2026-07-21 13:18 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135604 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. xxxxxx
Guidelines 8.5.2.2 require business narrative for nature of business. |
attached. - xx/xx/xxxx |
Business narrative provided - xx/xx/xxxx attached. - xx/xx/xxxx |
2026-07-23 17:53 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135688 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 8 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per xxxxxx guides, the maximum number of
financed properties to any one Borrower/Guarantor is limited to twenty (20)
residential properties. Per the Final 1003, combined with the Fraud Report
and additional REO identified using HUD's the borrower has financed a total
of 22 properties. All of which were acquired between xxxxxx |
rebuttal - xx/xx/xxxx |
After further research Borrower has 18 financed Properties. Condition resolved. - xx/xx/xxxx rebuttal - xx/xx/xxxx |
2026-06-30 17:57 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000141158 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Subject
is vested in an entity and the entity was formed more than 90 days prior to
the Note date. Guidelines require a Certificate of Good Standing for xxxxxx ,
which was not in the file. |
Attached OpenCorporates
verification confirms xxxxxx is Active
and was incorporated onxx/xx/xxxx. This satisfies the Certificate of Good
Standing requirement. Please Clear. - xx/xx/xxxx |
Open Corporates verification showing LLC is active. Condition resolved. - xx/xx/xxxx Attached OpenCorporates verification confirms xxxxxx is Active and was incorporated onxx/xx/xxxx. This satisfies the Certificate of Good Standing requirement. Please Clear. - xx/xx/xxxx |
2026-08-05 16:03 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135943 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 7 | xx/xx/xxxx | Credit | Program Parameters - Loan Purpose | The subject loan does not meet program parameters for loan
purpose. The subject transaction does not meet guidelines. Cash out is not
allowed for non Perm resident. |
attached - xx/xx/xxxx |
Exception provided. Request to allow for property that has been
listed for sale in the last 6 months. Property is vacant currently but is a
newer build. Comp factors provided. home was listed for 2 weeks before being
removed as the owner is now going to utilize it as a rental property. List
price was the same as the appraised value at $xxxxxx, so our LTV would remain
the same. Loan is really a R/T refinance wtih borrower not receiving any cash
out at closing, however due to a prior refinance within the last 12 months,
we are classifying as a Cash Out for eligibility. - xx/xx/xxxx attached - xx/xx/xxxx |
xxxxxx% LTV, xxxxxx FICO. | 2026-07-14 12:58 | Waived | 3 | 2 | 4 | 2 | |||
| 4000132761 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Program Parameters - Property Type | The subject loan does not meet program parameters for property
type. Subject property is zoned agricultural. Per guidelines-Agricultural zoned properties (may be considered on a case-by-case basis and will require an investor exception approval, subject to an LLPA. Please submit online via xxxxxx ’s online seller portal for a formal review). |
see attached -
xx/xx/xxxx |
Approved Exception provided for Agricultural zoning. -
xx/xx/xxxx see attached - xx/xx/xxxx |
DSCR Purchase with 25% down payment, xxxxxx FICO, xxxxxx DSCR ratio, and 17 months reserves. | 2026-07-01 20:42 | Waived | 3 | 2 | 3 | 2 | |||
| 4000135943 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 7 | xx/xx/xxxx | Property | Property Issue - Currently Listed for Sale | The subject property is currently listed for sale. Per the
lender guidelines 6.1.3; Cash Out Refinance - Properties that have been
listed for sale by the Borrower within the past six (6) months from the Note
Date may not be currently listed at the time of Loan Application and will
require a Borrower LOE and Listing Cancellation. Per the Appraiser the Subject property was offered for sale; Latest Price $xxxxxx ; Latest Date xx/xx/xxxx; Original Price $xxxxxx ; Original Date xx/xx/xxxx. In addition, the loan file contained an Exception, the exception is for "request to allow for property that has been listed for sale within the past 6-months, and Property is currently vacant, but is a newer build. The home was listed for 2-weekd xx/xx/xxxxoxx/xx/xxxxbefore being removed as the owner is now going to utilize it as a rental property. List Price was the same as the appraised value of $xxxxxx , so our LTV would remain the same. Loan is really a R/T refinance with borrower not receiving any cash out at closing; however, due to a prior cash out refinance within the past 12-months, 12 xx/xx/xxxx, we are classifying it as a Cash-Out for Eligibility and... The exception was cut off. The borrower is a non-perm resident; therefore, unable to have a cash out refinance. |
attached - xx/xx/xxxx |
Duplicate condition. Exception was approved for other
condition. - xx/xx/xxxx attached - xx/xx/xxxx |
xxxxxx% LTV, xxxxxx Fico | 2026-07-14 13:01 | Waived | 3 | 2 | 4 | 2 | |||
| 4000137322 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Property | Property Issue - Neighborhood Location | The subject appraisal verified a neighborhood location not
allowed per guidelines. Approved xxxxxx Exception in file. Per exception the
property is identified as a rural property as per the xxxxxx website and
appraiser. Zoning Classification LCA11 which is considered a Light
Agricultural zone. Per appraiser, the subject is no an income-producing farm
with no indication that it is operating as a commercial farm or generates
income from farm activities. Exception approved; no other exceptions allowed and loan is subject to final review. Comp factors include LTV at 75%, primary owned free and clear, strong reserves. |
Verified reserves exceed requirements by 5x. | 2026-07-24 23:17 | Waived | 2 | 2 | 2 | 2 | |||||
| 4000115913 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 7 | xx/xx/xxxx | Credit | Property Title Issue | Property title issue. Per the title commitment, a Quitclaim Deed
to remove xxxxxx xxxxxx from title is
required. Missing the Quitclaim Deed
to remove xxxxxx xxxxxx . |
qcd - xx/xx/xxxx |
QCD provided. Condition
resolved. - xx/xx/xxxx Property Title Issue Resolved - xx/xx/xxxx qcd - xx/xx/xxxx |
2026-03-30 20:36 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000115992 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 2 | xx/xx/xxxx | Credit | Property Title Issue | Property title issue. The loan was closed in the Borrower's
name; however, the title shows it is vested in a trust. Need verification of
the title vesting to match the loan documents. |
quitclaim - xx/xx/xxxx |
Quit Claim Deed at closing was provided. Condition resolved. - xx/xx/xxxx Property Title Issue Resolved - xx/xx/xxxx quitclaim - xx/xx/xxxx |
2026-03-18 16:26 | Resolved | 3 | 1 | 4 | 1 | |||
| 4000131518 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Property Title Issue | Property title issue. Missing transfer deed to borrower vesting
per subject Mortgage. The document in file is page one only and missing all
pages. |
Complete WD provided - xx/xx/xxxx WD and DOT - xx/xx/xxxx Can you please state what exact document you need uploaded to satisfy this? - xx/xx/xxxx |
Property Title Issue Resolved - xx/xx/xxxx Complete WD provided - xx/xx/xxxx WD and DOT - xx/xx/xxxx Missing complete copy of subject transaction Warranty Deed - pg. 1 only in file. - xx/xx/xxxx Can you please state what exact document you need uploaded to satisfy this? - xx/xx/xxxx |
2026-07-06 14:16 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 8 | xx/xx/xxxx | Credit | Property Title Issue | Property title issue. Lender to provide clarification and/or
documentation to resolve the title exception stating, "Current Vesting
does not reflect borrower name(s)." Ensure the borrower/entity executing
the loan documents has a valid ownership interest in the subject property
prior to closing. |
Updated Note - xx/xx/xxxx Title Email - xx/xx/xxxx |
Updated Note with correct signature. - xx/xx/xxxx Updated Note - xx/xx/xxxx xxxxxx GL 4.7.1 Signature must match to vesting. Please reach out to xxxxxx for exception to vest only in Entity and not close as an entity. - xx/xx/xxxx Title Email - xx/xx/xxxx |
2026-07-17 14:06 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000134677 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Property Title Issue | Property title issue. Per title commitment, please provide the
full release of the mortgage from xxxxxx for the subject property.
Informational |
2026-07-23 18:59 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136796 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Property Title Issue | Property title issue. Lawsuit from xxxxxx showing on the title
report. Settlement agent to issue clear title and proof lawsuit is dismissed
against the borrower. |
Alta Policy provided - xx/xx/xxxx see attached clear title policy - xx/xx/xxxx |
Property Title Issue Resolved - xx/xx/xxxx Alta Policy provided - xx/xx/xxxx see attached clear title policy - xx/xx/xxxx |
2026-07-22 15:05 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132720 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 7 | xx/xx/xxxx | Compliance | PUD Rider is Missing | PUD Rider is missing. A PUD Rider is in the file but is unsigned
by the borrower. Unable to find a signed copy in the documents. |
PUD rider provided - xx/xx/xxxx PUD rider attached - xx/xx/xxxx |
The PUD Rider is Present or is not applicable (Property Type is
PUD) - xx/xx/xxxx PUD rider provided - xx/xx/xxxx PUD rider attached - xx/xx/xxxx |
2026-06-17 20:23 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000134956 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 6 | xx/xx/xxxx | Compliance | PUD Rider is Missing | PUD Rider is missing. Appraisal indicates subject is a PUD and
the PUD Rider is not in the file. |
DOT, PUD and 1-4 provided - xx/xx/xxxx deed - xx/xx/xxxx |
The PUD Rider is Present or is not applicable (Property Type is
PUD) - xx/xx/xxxx DOT, PUD and 1-4 provided - xx/xx/xxxx deed - xx/xx/xxxx |
2026-09-23 17:33 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000129936 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. The sales contract is
dated xx/xx/xxxxnd set to close in 45 DAYS or xx/xx/xxxx. The Note date
isxx/xx/xxxx. 1) The sales contract extending the closing date to xx/xx/xxxx
is missing in the loan file. 2) The authorized signor and owner of the
company shows xxxxxx . The sales contract is E-signed xxxxxx . Documentation
supporting these parties as 1 and same is not missing in the loan file. |
LOE for Seller Name, Amendment for Closing and Fraud Report with
Seller Names - xx/xx/xxxx |
Contract addendum provided as well as a signed AKA letter
stating xxxxxx and xxxxxx are one in the same person. Condition resolved. - xx/xx/xxxx LOE for Seller Name, Amendment for Closing and Fraud Report with Seller Names - xx/xx/xxxx |
2026-07-02 18:06 | Resolved | 2 | 1 | 3 | 1 | ||||
| 4000130784 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 6 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Ledner to provide a
fully executed addendum to the purchase contract moving the closing date out
from xx/xx/xxxx to xx/xx/xxxx |
memo - xx/xx/xxxx |
NY Purchase. Contract
states "on or about" and loan closed 10 days after date
stated. Condition resolved. -
xx/xx/xxxx memo - xx/xx/xxxx |
2026-06-30 19:18 | Resolved | 2 | 1 | 3 | 2 | ||||
| 4000132567 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Lender to provide a
fully executed addendum to the purchase contract moving the closing date out
fromxx/xx/xxxxo xxxxxx . |
its one week off. this is standard-- no exception was done.
please clear - xx/xx/xxxx |
all parties signed closing papers and closing date accepted -
xx/xx/xxxx Condition upheld. Condition upheld. Contract states closing date shall be onxx/xx/xxxx or this Agreement shall terminate unless an extension of time is mutually agreed in writing. Provide extension. - xx/xx/xxxx All parties signed closing disclosures and documents accepting closing date. - xx/xx/xxxx Condition upheld. Contract states closing date shall be onxx/xx/xxxx or this Agreement shall terminate unless an extension of time is mutually agreed in writing. Provide the extension. - xx/xx/xxxx its one week off. this is standard-- no exception was done. please clear - xx/xx/xxxx |
2026-07-06 15:54 | Resolved | 2 | 1 | 3 | 2 | ||||
| 4000133829 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. The final Closing
disclosure reflects a seller credit of $xxxxxx that is not reflected in the
purchase contract. An addendum reflecting the credit is required. |
See attached -
xx/xx/xxxx |
Revised Contract provided showing Seller to pay 50% of Closing
Costs. Condition resolved. -
xx/xx/xxxx See attached - xx/xx/xxxx |
2026-06-26 17:11 | Resolved | 2 | 1 | 3 | 1 | ||||
| 4000134686 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Missing fully
executed purchase contract addendum moving the closing date out to
xx/xx/xxxx. |
Addendum - xx/xx/xxxx |
Addendum provided - xx/xx/xxxx Addendum - xx/xx/xxxx |
2026-07-23 17:55 | Resolved | 2 | 1 | 3 | 1 | ||||
| 4000134798 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Purchase & Sale
Addendum for buyer to be xxxxxx is missing in the loan file. |
name addendum to contract - xx/xx/xxxx |
Received sales contract addendum changing purchaser name from
individual to xxxxxx. - xx/xx/xxxx name addendum to contract - xx/xx/xxxx |
2026-07-10 17:48 | Resolved | 2 | 1 | 3 | 1 | ||||
| 4000136334 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. The sales contract
addendum adding additional title holder and spouse xxxxxx is missing in the loan file. |
Addendum - xx/xx/xxxx |
Purchase contract addendum provided. - xx/xx/xxxx Addendum - xx/xx/xxxx |
2026-07-29 12:48 | Resolved | 2 | 1 | 2 | 1 | ||||
| 4000136339 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Lender to provide a
fully executed addendum to the purchase contract with a closing date of
xx/xx/xxxx. Contract in file doesn't have the closing date completed. |
see attached - xx/xx/xxxx |
Contract addendum provided extending closing date. - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-08 20:03 | Resolved | 2 | 1 | 2 | 1 | ||||
| 4000136378 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Missing the addendum
removing additional buyer |
addendum - xx/xx/xxxx |
Contract Addendum provided.
Condition resolved. - xx/xx/xxxx addendum - xx/xx/xxxx |
2026-07-20 16:49 | Resolved | 2 | 1 | 2 | 1 | ||||
| 4000136631 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Missing the sales
contract addendum adding B2. |
Informational - xx/xx/xxxx |
2026-07-27 13:56 | Cleared | 2 | 1 | 2 | 1 | |||||
| 4000137982 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Missing Purchase
Contract Addendum - The qualifying rental income includes a unit that is
leased prior to closing; however, the purchase agreement does not provide
evidence that the buyer will assume or receive assignment of the existing
lease upon transfer of ownership. A tenant estoppel is required to verify the
existing lease terms and rental amount.
|
DCCR loans we use the lower of the rent or the actual- the rent
of $xxxxxx was lower than the actual of $xxxxxx , therefore we used worse
case to calculate the DSCR ratio of xxxxxx - xx/xx/xxxx |
used lower amounts per rent schedule. - xx/xx/xxxx DCCR loans we use the lower of the rent or the actual- the rent of $xxxxxx was lower than the actual of $xxxxxx , therefore we used worse case to calculate the DSCR ratio of xxxxxx - xx/xx/xxxx |
2026-07-23 16:38 | Resolved | 2 | 1 | 3 | 1 | ||||
| 4000138392 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Per the sales contract the riding lawnmower
is incuded in the purchase price. Missing the addendum confirming no value
given for the personal property remaining in the subject (the riding
lawnmower). |
attached - xx/xx/xxxx |
Contract Addendum provided.
Condition resolved. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-07-14 20:16 | Resolved | 2 | 1 | 3 | 1 | ||||
| 4000138435 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Seller Agent Credit
of $xxxxxx . |
Addendum provided, commission credit to buyer - xx/xx/xxxx Agent Commission instructions - xx/xx/xxxx |
Addendum provided, commission credit to buyer - xx/xx/xxxx Addendum provided, commission credit to buyer - xx/xx/xxxx Agent Commission instructions - xx/xx/xxxx |
2026-07-28 12:07 | Resolved | 2 | 1 | 4 | 1 | ||||
| 4000133639 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 6 | xx/xx/xxxx | Credit | Purchase Contract - Addendum Missing Signature(s) | There were changes on the Purchase Contract addendums that were
not properly documented and/or initialed by all parties. The seller's
signature is missing on the sales contract.
|
Attached are the executed Purchase Contract pages. The final
contract execution page reflects xxxxxx ’s signature as Seller
datedxx/xx/xxxx, along with the buyers’ signatures and seller initials. The
contract and previously provided addendum are fully executed by the
applicable parties. Please Cancel. - xx/xx/xxxx |
Executed addendums were provided. Condition resolved. - xx/xx/xxxx Attached are the executed Purchase Contract pages. The final contract execution page reflects xxxxxx ’s signature as Seller datedxx/xx/xxxx, along with the buyers’ signatures and seller initials. The contract and previously provided addendum are fully executed by the applicable parties. Please Cancel. - xx/xx/xxxx |
2026-08-12 13:35 | Resolved | 2 | 1 | 4 | 1 | ||||
| 4000133544 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Purchase is not considered to be an Arm's Length Transaction | Non-arm's length transactions not allowed for program. Per the
appraisal, the transaction is a non-arm's length purchase. Non-Arm’s Length
transactions are allowed on primary residence purchase transactions only. No
exception located in file. |
See attached -
xx/xx/xxxx |
Corrected appraisal provided.
Condition resolved. - xx/xx/xxxx Purchase is considered to be an Arm's Length Transaction, or Not Applicable - xx/xx/xxxx See attached - xx/xx/xxxx |
2026-07-13 21:30 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134956 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 6 | xx/xx/xxxx | Credit | Security Instrument Date does not equal Note Date | Security instrument date does not match the Note date. Mortgage
is missing from the file. Date of document is unknown. |
DOT, PUD and 1-4 provided - xx/xx/xxxx deed - xx/xx/xxxx |
Security Instrument Date matches Note Date - xx/xx/xxxx DOT, PUD and 1-4 provided - xx/xx/xxxx deed - xx/xx/xxxx |
2026-07-17 14:17 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000130519 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary value subject property appraisal is not on an as-is
basis. Appraisal was completed with a subject to reflecting repairs required.
There was an invoice found for a 1004D final inspection to reflect repairs
completed. The final inspection 1004D could not be found in the loan
documents. |
see attached - xx/xx/xxxx |
Completion Cert provided stating all repairs were completed was
provided. Condition resolved. -
xx/xx/xxxx Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-01 17:24 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133210 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary value subject property appraisal is not on an as-is
basis. Appraisal was missing at time of TPR Review, received appraisal that
is subject to completion of in process remodel. |
Primary Value Subject Property Appraisal is completed on an
As-Is Basis or Not Applicable - xx/xx/xxxx |
2026-07-24 15:57 | Resolved | 3 | 1 | 4 | 1 | |||||
| 4000135672 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Subject property appraisal is not on an as-is basis (Primary Value) | The appraisal was completed subject to repairs. Per the
appraisal, the report is subject to a basement inspection due to water
seepage disclosed in the condition report and evidence of possible water
seepage located in the corner of the basement(see attached photo addendum).
The letter from the inspector is in the file, but the 1004D is missing from
the loan file. Primary value subject
property appraisal is not on an as-is basis. |
PER APPRAISER Hi, the inspection report I called for indicated
no repairs were needed. The lender can clear this condition without a 1004D.
There is no repair for me to verify. Then no 1004D is needed and the letter
from the contractor is enough to clear it
- xx/xx/xxxx |
Property was subject to inspection, inspection required no
repairs. - xx/xx/xxxx Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - xx/xx/xxxx PER APPRAISER Hi, the inspection report I called for indicated no repairs were needed. The lender can clear this condition without a 1004D. There is no repair for me to verify. Then no 1004D is needed and the letter from the contractor is enough to clear it - xx/xx/xxxx |
2026-07-20 17:05 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136443 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary value subject property appraisal is not on an as-is
basis. Missing the 1004D |
1004D - xx/xx/xxxx |
documentation meet requirements - xx/xx/xxxx Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - xx/xx/xxxx 1004D - xx/xx/xxxx |
2026-07-13 20:58 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000138962 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | Subject property Short Term Rental Income does not meet qualification | Short term rental income is not properly documented and/or does
not meet guidelines. The loan was approved using short term rental income.
Per guidelines, documentation to support the short term rental income
includes the appraiser’s short-term market
rental analysis (Comparable Rent Schedule Form 1007/1025, xxxxxx
specific form, or appraiser commentary). There is documentation included with
the appraisal, but it doesn't identify the subject property. |
Attached xxxxxx Property
Earning Potential report identifies the subject property as xxxxxx at both the top and footer of the report.
The related compliance certificate identifies xxxxxx , the xxxxxx report type, and the same subject address.
The report reflects $xxxxxx in
projected annual revenue, supporting the short-term rental income and xxxxxx
DSCR shown on the 1008. Please Cancel. - xx/xx/xxxx |
xxxxxx for STR was
provided. Condition resolved. -
xx/xx/xxxx Attached xxxxxx Property Earning Potential report identifies the subject property as xxxxxx at both the top and footer of the report. The related compliance certificate identifies xxxxxx , the xxxxxx report type, and the same subject address. The report reflects $xxxxxx in projected annual revenue, supporting the short-term rental income and xxxxxx DSCR shown on the 1008. Please Cancel. - xx/xx/xxxx |
2026-08-14 19:03 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131103 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 8 of 10 | xx/xx/xxxx | Credit | Term and Amortization Term do not match | Loan term and amortization term do not match. The loan file is
missing the Note. |
Loan Term and Amortization Term match - xx/xx/xxxx |
2026-07-08 13:44 | Resolved | 3 | 1 | 4 | 1 | |||||
| 4000129609 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 11 | xx/xx/xxxx | Compliance | The Deed of Trust is Incomplete | DOT vested in xxxxxx . LLC name is not listed above or below
borrower signature. The Deed of Trust is incomplete. Per xxxxxx GL, 4.7.1 - §
Properties vested in any of these manners are limited to Investment and
Business Purpose and the following requirements must be met: § Entities must
be formed for the purpose of Ownership and Management of Real Estate§ Max of
four (4) entity owners allowed– All eligible guarantors must be disclosed,
and credit qualify - eligibility listed in section below§ All Borrower(s)
must execute the Occupancy Certification or similar form subject to
xxxxxx pre-approval§ For DSCR
Borrower(s) obtaining a Rate / Term or Cash-Out Refinance loan, the Borrower
must execute the xxxxxx Business
Purpose & Occupancy Affidavit. Please reach out to xxxxxx for exception
to vest only in Entity and not close as an entity. The Deed of Trust is incomplete. |
Recorded deed and email from title - xx/xx/xxxx |
The Deed of Trust is incomplete. DOT vested in xxxxxx . LLC name
is not listed above or below borrower signature. - xx/xx/xxxx The Deed of Trust is present and complete - xx/xx/xxxx Received recorded DOT and letter from Title - xx/xx/xxxx Recorded deed and email from title - xx/xx/xxxx |
2026-07-20 18:36 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000135008 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 7 | xx/xx/xxxx | Compliance | The Deed of Trust is Incomplete | The Deed of Trust is incomplete. Lender to provide clarification
regarding the intended borrowing entity and vesting structure. The Security
Instrument reflects current title vesting in
xxxxxx and proposed title
vesting in xxxxxx LLC; however, the loan file does not contain the required
business entity documentation necessary to support a loan closing in the name
of a business entity. Additionally, the loan documents reviewed appear to
have been executed by the borrower(s) in an individual capacity rather than
on behalf of the vested entity. If the loan was intended to close in the name of xxxxxx , provide the required business entity documentation and any corrective documentation necessary to evidence proper execution capacity and consistency of vesting across all applicable loan documents. If the loan was intended to close as an individual borrower transaction, provide documentation supporting the discrepancy between the vested owner reflected on the Security Instrument and the loan file. |
Please see the attached LLC agreement this loan is not closing in an LLC it is only vesting in an LLC please get the below two condition cleared ASAP. - xx/xx/xxxx Recorded deed with LLC verbiage added to notary pages as well as confirmation from escrow stating the borrower can sign on behalf if an LLC in their individual name.. - xx/xx/xxxx |
LLC agreement indicates this loan is not closing in an LLC it is
only vesting in an LLC, condition resolved.
- xx/xx/xxxx Per xxxxxx GL, 4.7.1 - § Properties vested in any of these manners are limited to Investment and Business Purpose and the following requirements must be met: § Entities must be formed for the purpose of Ownership and Management of Real Estate§ Max of four (4) entity owners allowed– All eligible guarantors must be disclosed, and credit qualify - eligibility listed in section below§ All Borrower(s) must execute the Occupancy Certification or similar form subject to xxxxxx pre-approval§ For DSCR Borrower(s) obtaining a Rate / Term or Cash-Out Refinance loan, the Borrower must execute the xxxxxx Business Purpose & Occupancy Affidavit. Please reach out to xxxxxx for exception to vest only in Entity and not close as an entity. - xx/xx/xxxx Please see the attached LLC agreement this loan is not closing in an LLC it is only vesting in an LLC please get the below two condition cleared ASAP. - xx/xx/xxxx Per xxxxxx GL, section 4.7.5 Entity Signature requirements. The mortgage / Deed of trust / security instrument should be signed by the applicable guarantors of the entity as their capacity as members and/or managing members of the entity. Signing examples provided. - xx/xx/xxxx Recorded deed with LLC verbiage added to notary pages as well as confirmation from escrow stating the borrower can sign on behalf if an LLC in their individual name.. - xx/xx/xxxx |
2026-07-08 19:38 | Resolved | 4 | 1 | 4 | 2 | ||||
| 4000115913 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 7 | xx/xx/xxxx | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. The Deed of Trust and it's
applicable riders are missing. |
RIDERS - xx/xx/xxxx |
The Deed of Trust has been provided. - xx/xx/xxxx Received recorded DOT with all riders - xx/xx/xxxx RIDERS - xx/xx/xxxx |
2026-03-12 15:58 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000131103 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 10 | xx/xx/xxxx | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. |
The Deed of Trust has been provided. - xx/xx/xxxx |
2026-06-24 19:16 | Resolved | 4 | 1 | 4 | 1 | |||||
| 4000133995 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. The loan file is missing the Final
Deed of Trust. |
Mortgage and Riders - xx/xx/xxxx |
The Deed of Trust has been provided. - xx/xx/xxxx Received executed and notarized DOT with all riders - xx/xx/xxxx Mortgage and Riders - xx/xx/xxxx |
2026-07-09 14:53 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000134956 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 6 | xx/xx/xxxx | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. The Deed of Trust for the subject
property is not in the file. |
DOT, PUD and 1-4 provided - xx/xx/xxxx rider - xx/xx/xxxx |
The Deed of Trust has been provided. - xx/xx/xxxx DOT, PUD and 1-4 provided - xx/xx/xxxx rider - xx/xx/xxxx |
2026-07-17 14:17 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000138602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. The Deed of Trust for the subject
transaction is missing from the file.
|
same - xx/xx/xxxx |
The Deed of Trust has been provided. - xx/xx/xxxx Received executed and notarized DOT - xx/xx/xxxx same - xx/xx/xxxx |
2026-07-29 14:31 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000129609 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 11 | xx/xx/xxxx | Compliance | The Deed of Trust is Not Executed | The Deed of Trust is not executed. The Deed of Trust is
incomplete. DOT vested in xxxxxx . LLC name is not listed above or below
borrower signature. Rebuttal that title company does not require was
provided, this is xxxxxx guidelines requirement. |
DOT - xx/xx/xxxx Deed - xx/xx/xxxx |
Recorded DOT updating signature lines. - xx/xx/xxxx DOT - xx/xx/xxxx Please provide recorded copy of deed of trust with updated verbiage under signatures. xxxxxxx County, xxxxxx recorded documents does not show the titles under names. - xx/xx/xxxx Please provide recorded copy of deed of trust with updated verbiage under signatures. - xx/xx/xxxx Deed - xx/xx/xxxx |
2026-07-24 16:36 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000133556 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | The Final 1003 is Incomplete | The final 1003 is incomplete. The assets used to evidence cash
to close and reserves are missing from the loan file. |
updated URLA - xx/xx/xxxx |
Corrected 1003 was provided.
Condition resolved. - xx/xx/xxxx The final 1003 is present - xx/xx/xxxx updated URLA - xx/xx/xxxx |
2026-07-14 15:30 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131103 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 10 | xx/xx/xxxx | Compliance | The Final 1003 is Missing | The final 1003 is missing. The loan file is missing the Final
signed 1003. |
The final 1003 has been provided. - xx/xx/xxxx |
2026-09-02 13:30 | Resolved | 3 | 1 | 4 | 1 | |||||
| 4000131521 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Compliance | The Final 1003 is Missing | The final 1003 is missing. |
1003 - xx/xx/xxxx |
requirements met - xx/xx/xxxx The final 1003 has been provided. - xx/xx/xxxx 1003 - xx/xx/xxxx |
2026-09-23 12:16 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137238 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 6 | xx/xx/xxxx | Compliance | The Final 1003 is Missing | The final 1003 is missing. |
The final 1003 has been provided. - xx/xx/xxxx |
2026-07-24 16:45 | Resolved | 3 | 1 | 4 | 2 | |||||
| 4000138617 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | The Final 1003 is Missing | The final 1003 is missing. Please provide the final 1003
datedxx/xx/xxxx |
See final - xx/xx/xxxx |
Final 1003 provided.
Condition resolved. - xx/xx/xxxx The final 1003 has been provided. - xx/xx/xxxx See final - xx/xx/xxxx |
2026-07-15 20:48 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000129609 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 11 of 11 | xx/xx/xxxx | Compliance | The Final Closing Disclosure contains errors | The Note is incomplete. The above file Note was received in an
IO Format, but upon review of the language in paragraph 3 (Payments) it was
determined that this was written as a Fixed Interest loan. We will need a new
Note signed in the correct format. Final CD reflects this is IO product.
Provide PCCD to correct the Product. |
Updated Note - Conditions irrelevant please clear -
xx/xx/xxxx |
Corrected IO note provided - xx/xx/xxxx Updated Note - Conditions irrelevant please clear - xx/xx/xxxx |
2026-06-29 12:38 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000130556 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | The Final Closing Disclosure contains errors | Per the Final CD page 1, the borrower was required to bring
$xxxxxx to closing, plus have 3 months reserves for $xxxxxx . The Bank
statement only reflects a balance of $xxxxxx
which leaves the borrower short to close -$xxxxxx . In addition, Page 3 of the Final CD reflects a seller credit of $xxxxxx ; however, that credit wasn't added to the Calculating Cash to Close section on the Final CD. The Final Sales Contract reflected the Borrower was to put $xxxxxx down, which is not reflected on the Final CD and the Seller was paying up to 6% of the borrower's closing costs. |
PCCD and LOX - xx/xx/xxxx |
Received PCCD with all correct calculations - xx/xx/xxxx PCCD and LOX - xx/xx/xxxx |
2026-06-25 18:27 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130795 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Compliance | The Final Closing Disclosure contains errors | The Date Issued field on page 1 of the Closing Disclosure signed
on xx/xx/xxxx is blank. The date it
was issued is printed in the bottom left automatically as a backup, using
this date for testing no issues were noted. |
Seller indicates: The closer did not type in the date issued on
the top. The date it was issued is printed in the bottom left automatically
as a backup. Please let me know what is needed to clear this. Thanks! -
xx/xx/xxxx |
The date it was issued is printed in the bottom left
automatically as a backup, using this date for testing no issues were noted.
- xx/xx/xxxx The date it was issued is printed in the bottom left automatically as a backup, using this date for testing no issues were noted. - xx/xx/xxxx Seller indicates: The closer did not type in the date issued on the top. The date it was issued is printed in the bottom left automatically as a backup. Please let me know what is needed to clear this. Thanks! - xx/xx/xxxx |
2026-07-08 12:14 | Resolved | 1 | 1 | 1 | |||||
| 4000132633 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Compliance | The Final Closing Disclosure contains errors | Missing updated final Closing Disclosure reflecting the $xxxxxx
gift funds deposited into escrow on behalf of the borrower by wife. The final
Closing Disclosure should accurately reflect and reconcile the gift funds
received and applied to the transaction. |
Documents attached to 1st condition - xx/xx/xxxx |
Received CD showing gift funds - xx/xx/xxxx Documents attached to 1st condition - xx/xx/xxxx |
2026-06-30 15:06 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133789 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 6 | xx/xx/xxxx | Compliance | The Final Closing Disclosure contains errors | The Note is incomplete. The above file Note was received in an
IO Format, but upon review of the language in paragraph 3 (Payments) it was
determined that this was written as a Fixed Interest loan. We will need a new
Note signed in the correct format. The Final CD reflects this is IO product.
Provide PCCD to correct the product.
|
Corrected Note Signed Conditions does not apply please clear -
xx/xx/xxxx |
Corrected note provided - xx/xx/xxxx Corrected Note Signed Conditions does not apply please clear - xx/xx/xxxx |
2026-06-29 12:31 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000128978 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Compliance | The Initial 1003 is Missing | The Initial 1003 is missing. |
Business purpose loan, 1003 not required. - xx/xx/xxxx This is a DSCR loan. It is not required. - xx/xx/xxxx |
The Initial 1003 is present. - xx/xx/xxxx Business purpose loan, 1003 not required. - xx/xx/xxxx This is a DSCR loan. It is not required. - xx/xx/xxxx |
2026-07-28 15:46 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 14 | xx/xx/xxxx | Compliance | The Initial 1003 is Missing | The Initial 1003 is missing. |
URLA - xx/xx/xxxx |
The Initial 1003 is present. - xx/xx/xxxx Received initial application - xx/xx/xxxx URLA - xx/xx/xxxx |
2026-06-23 14:15 | Resolved | 1 | 1 | 3 | 1 | ||||
| 4000135008 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 7 | xx/xx/xxxx | Compliance | The Note is Incomplete | The Note is incomplete. Lender to provide clarification and/or
corrective documentation supporting the originated vesting. The loan was originated as vested in a
Business Entity, however, the executed
Note was signed by the borrower as an individual. |
exception - xx/xx/xxxx
Please see the attached LLC agreement this loan is not closing in an LLC it is only vesting in an LLC please get the below two condition cleared ASAP. - xx/xx/xxxx Explanation from title borrowers are allows to sign on behalf of the LLC in their individual name.. - xx/xx/xxxx |
Waived by investor with compensating factors. - xx/xx/xxxx exception - xx/xx/xxxx Per xxxxxx GL, 4.7.1 - § Properties vested in any of these manners are limited to Investment and Business Purpose and the following requirements must be met: § Entities must be formed for the purpose of Ownership and Management of Real Estate§ Max of four (4) entity owners allowed– All eligible guarantors must be disclosed, and credit qualify - eligibility listed in section below§ All Borrower(s) must execute the Occupancy Certification or similar form subject to xxxxxx pre-approval§ For DSCR Borrower(s) obtaining a Rate / Term or Cash-Out Refinance loan, the Borrower must execute the xxxxxx Business Purpose & Occupancy Affidavit. Please reach out to xxxxxx for exception to vest only in Entity and not close as an entity. - xx/xx/xxxx Please see the attached LLC agreement this loan is not closing in an LLC it is only vesting in an LLC please get the below two condition cleared ASAP. - xx/xx/xxxx Per xxxxxx GL, section 4.7.5 Entity Signature requirements. The note should be signed by the applicable guarantors of the entity as their capacity as members and/or managing members of the entity. Signing examples provided. All entity documents are required. - xx/xx/xxxx Explanation from title borrowers are allows to sign on behalf of the LLC in their individual name.. - xx/xx/xxxx |
1. xxxxxx months reserves over minimum required. 2. DSCR ratio xxxxxx, minimum required 1.0. |
2026-06-30 17:23 | Waived | 4 | 2 | 4 | 2 | |||
| 4000129609 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 10 of 11 | xx/xx/xxxx | Compliance | The Note is Incomplete | The Note is incomplete. The Note is incomplete. The above file
Note was received in an IO Format, but upon review of the language in
paragraph 3 (Payments) it was determined that this was written as a Fixed
Interest loan. We will need a new Note signed in the correct format. |
Corrected IO note provided - xx/xx/xxxx Updated Note Signed - xx/xx/xxxx |
The Note is Present - xx/xx/xxxx Corrected IO note provided - xx/xx/xxxx Updated Note Signed - xx/xx/xxxx |
2026-06-29 12:38 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000132711 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Compliance | The Note is Incomplete | The Note is incomplete. Promissory note in file reflects 120 IO
payments of $$xxxxxx beginning xx/xx/xxxx . Section 2 c states that beginning
xxxxxx borrower will make monthly payments of principal and interest
amortized over 240 months in the amount of (blank) dollars and zero cents
$xxxxxx. No P&I payment is due per note after the IO term ends until the end of the mortgage. |
Corrective addendum to note provided - xx/xx/xxxx Uploaded corrective addendum to the note - xx/xx/xxxx |
The Note is Present - xx/xx/xxxx Corrective addendum to note provided - xx/xx/xxxx Uploaded corrective addendum to the note - xx/xx/xxxx |
2026-07-02 12:43 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000133789 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 6 | xx/xx/xxxx | Compliance | The Note is Incomplete | The Note is incomplete. The above file Note was received in an
IO Format, but upon review of the language in paragraph 3 (Payments) it was
determined that this was written as a Fixed Interest loan. We will need a new
Note signed in the correct format. |
Corrected note provided, loan is IO for 120 months and now
reflects IO and full P&I - xx/xx/xxxx Corrected Note Signed - xx/xx/xxxx |
The Note is Present - xx/xx/xxxx Corrected note provided, loan is IO for 120 months and now reflects IO and full P&I - xx/xx/xxxx Corrected Note Signed - xx/xx/xxxx |
2026-06-29 12:28 | Resolved | 4 | 1 | 4 | 2 | ||||
| 4000131103 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 9 of 10 | xx/xx/xxxx | Compliance | The Note is Missing | The Note is missing. |
The Note has been provided. - xx/xx/xxxx |
2026-07-08 13:44 | Resolved | 4 | 1 | 4 | 1 | |||||
| 4000111650 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
see attached -
xx/xx/xxxx |
Fraud Report provided. -
xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-03-12 13:46 | Resolved | 3 | 1 | 3 | 1 | |||
| 4000126527 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 7 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
attached - xx/xx/xxxx attached - xx/xx/xxxx |
Cleared Fraud Report provided.
Condition resolved. - xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx attached - xx/xx/xxxx Condition upheld. Fraud Report (Drive) received a score of xxxxxx and as High Alerts that were not cleared, and incorrect information that was not addressed. Provide correct and cleared Fraud Report. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-11 17:22 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126535 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
attached - xx/xx/xxxx attached - xx/xx/xxxx |
Fraud Report was provided.
Condition resolved. - xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx attached - xx/xx/xxxx Condition upheld. Fraud Report provided has an incorrect cleared High Alert. Property Alert: Online property information indicates land use for subject property is different than input property usage type. Property Type on Fraud Alert is Manufactured/Mobile Home. The subject property is a Condo Building. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-11 18:54 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126543 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
attached - xx/xx/xxxx |
Fraud Report provided.
Condition resolved. - xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-01 17:26 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126554 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
attached - xx/xx/xxxx attached - xx/xx/xxxx |
Cleared Fraud Report provided.
Condition resolved. - xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx attached - xx/xx/xxxx Condition upheld. Fraud Report provided has an incorrect cleared High Alert. Condition: Property Alert: Online property information indicates land use for subject property is different than input property usage type. Cleared Response: property type is correct. The Property Type on the Fraud report is entered as: Manufactured/Mobile Home - xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-11 17:05 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000130998 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 8 of 11 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
uw statement - xx/xx/xxxx fraud - xx/xx/xxxx |
Fraud Report and evidence of cleared alerts were provided.
Condition resolved - xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx uw statement - xx/xx/xxxx Condition upheld. Fraud Report shoes a cleared High Alert for FEMA dixxxxxx ter however no evidence of how it was cleared was provided. - xx/xx/xxxx fraud - xx/xx/xxxx |
2026-06-26 16:07 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132001 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 6 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
Background check and xxxxxx attached for both the entity and
guarantor. - xx/xx/xxxx |
Fraud Report provided.
Condition resolved. - xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx Background check and xxxxxx attached for both the entity and guarantor. - xx/xx/xxxx |
2026-06-11 15:18 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000132007 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 9 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. The loan file is missing the
Fraud Report. |
fraud report -
xx/xx/xxxx |
Fraud Report provided.
Condition resolved. - xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx fraud report - xx/xx/xxxx |
2026-06-12 19:06 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132720 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 7 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. A third party fraud report
could not be found in the loan documents in the borrower's name. |
Background checks and xxxxxx s for all individuals and entities
on the loan - xx/xx/xxxx |
Fraud Report provided.
Condition resolved. - xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx Background checks and xxxxxx s for all individuals and entities on the loan - xx/xx/xxxx |
2026-06-18 13:36 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000132755 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. Lender to provide a cleared
3rd party fraud report with a valid score. Report is showing 0 auto
refer. |
Fraud Report - xx/xx/xxxx |
Cleared xxxxxx Report provided.
Condition resolved. - xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx Fraud Report - xx/xx/xxxx |
2026-06-30 20:33 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 5 of 14 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
fraud - xx/xx/xxxx |
Fraud Report provided. Condition resolved. - xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx fraud - xx/xx/xxxx |
2026-06-23 14:57 | Resolved | 1 | 1 | 3 | 1 | ||||
| 4000133184 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
FRAUD REPORT -
xx/xx/xxxx |
Fraud Report provided.
Condition resolved. - xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx FRAUD REPORT - xx/xx/xxxx |
2026-07-07 15:12 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000133753 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. Missing evidence of
Guarantor's third-party fraud report - all pages. |
These fraud reports are generated through xxxxxx and are
provided often on IFC loans that are eventually purchased. - xx/xx/xxxx Background check and xxxxxx for xxxxxx are attached. - xx/xx/xxxx |
Third party fraud report is provided - xx/xx/xxxx Fraud provided, missing exclusionary lists - xx/xx/xxxx Condition upheld. Provide the xxxxxx xxxxxx Person Report. - xx/xx/xxxx These fraud reports are generated through xxxxxx and are provided often on IFC loans that are eventually purchased. - xx/xx/xxxx Condition upheld. Background Report was provided. Provide a Third Party Fraud Report from xxxxxx , xxxxxx , xxxxxx or a similar engine as required per guidelines. - xx/xx/xxxx Background check and xxxxxx for xxxxxx are attached. - xx/xx/xxxx |
2026-07-06 12:27 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000133984 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 7 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
FRAUD REPORT -
xx/xx/xxxx |
Fraud Report provided.
Condition resolved. - xx/xx/xxxx Third party fraud report is provided - xx/xx/xxxx FRAUD REPORT - xx/xx/xxxx |
2026-07-15 17:08 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134312 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 6 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. Fraud report not located in
file |
Clear fraud provided. -
xx/xx/xxxx Clear report attached. pls clear. - xx/xx/xxxx cleared report on xxxxxx - xx/xx/xxxx xxxxxx - xx/xx/xxxx |
Third party fraud report is provided - xx/xx/xxxx Clear fraud provided. - xx/xx/xxxx Clear report attached. pls clear. - xx/xx/xxxx Condition upheld. Provide what evidence/documentation was used to clear the Fraud Alerts. - xx/xx/xxxx cleared report on xxxxxx - xx/xx/xxxx Condition upheld. Fraud Report provided has several uncleared alerts. Provided cleared Fraud Report and evidence/documentation of clearance. - xx/xx/xxxx xxxxxx - xx/xx/xxxx |
2026-07-08 14:23 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000134716 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. The required third-party fraud
report is missing from the loan file.
|
Informational - xx/xx/xxxx |
2026-07-16 20:05 | Cleared | 3 | 1 | 3 | 1 | |||||
| 4000136464 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
Fraud reflects cleared alerts - xx/xx/xxxx the alerts were all cleared. Please clarify. - xx/xx/xxxx Fraud provided. - xx/xx/xxxx cleared fraud report - xx/xx/xxxx fraud report - xx/xx/xxxx |
Third party fraud report is provided - xx/xx/xxxx Fraud reflects cleared alerts - xx/xx/xxxx the alerts were all cleared. Please clarify. - xx/xx/xxxx Fraud provided, please provide report with all Risk factors cleared, score is still xxxxxx out of xxxxxx - xx/xx/xxxx Fraud provided. - xx/xx/xxxx cleared fraud report - xx/xx/xxxx Condition upheld. Fraud Report has High and Medium Alerts that are not cleared. Provide cleared Fraud Report. - xx/xx/xxxx fraud report - xx/xx/xxxx |
2026-07-28 13:21 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137040 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
Fraud provided - xx/xx/xxxx Cleared xxxxxx - xx/xx/xxxx |
Third party fraud report is provided - xx/xx/xxxx Fraud provided - xx/xx/xxxx Cleared xxxxxx - xx/xx/xxxx |
2026-07-21 13:24 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137324 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
Fraud report provided - xx/xx/xxxx see attached - xx/xx/xxxx |
Third party fraud report is provided - xx/xx/xxxx Fraud report provided - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-22 16:58 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137840 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. |
Fraud provided - xx/xx/xxxx See attached Fraud report - xx/xx/xxxx |
Third party fraud report is provided - xx/xx/xxxx Fraud provided - xx/xx/xxxx See attached Fraud report - xx/xx/xxxx |
2026-07-21 12:52 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137974 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. Missing evidence of
third-party fraud report |
xxxxxx and Fraud provided - xx/xx/xxxx Fraud report attached for the borrower - xx/xx/xxxx |
Third party fraud report is provided - xx/xx/xxxx xxxxxx and Fraud provided - xx/xx/xxxx Fraud report attached for the borrower - xx/xx/xxxx |
2026-07-22 17:06 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000138731 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. Please provide the fraud
report with all high alerts cleared. |
Please see attached. -
xx/xx/xxxx |
Docuement is sufficient - xx/xx/xxxx Please see attached. - xx/xx/xxxx |
2026-07-24 15:57 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000139413 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. Missing evidence of
third-party report for both Guarantors.
|
Fraud report provided - xx/xx/xxxx cleared fraud report - xx/xx/xxxx |
Third party fraud report is provided - xx/xx/xxxx Fraud report provided - xx/xx/xxxx cleared fraud report - xx/xx/xxxx |
2026-07-28 19:11 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000135605 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Credit | Third Party Fraud Report Partially Provided | Third party fraud report partially provided. Lender to provide
the complete fraud report, Report is 49 pages, only the first 26 pages were
provided. |
xxxxxx REPORT -
xx/xx/xxxx |
Cleared Fraud Report was provided. Condition resolved. -
xx/xx/xxxx Third Party Fraud Report is fully present - xx/xx/xxxx xxxxxx REPORT - xx/xx/xxxx |
2026-07-01 13:35 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000138626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Third Party Fraud Report Partially Provided | Third party fraud report partially provided. Please provide the
full fraud report. |
Fraud provided - xx/xx/xxxx Fraud Report - xx/xx/xxxx |
Third Party Fraud Report is fully present - xx/xx/xxxx Fraud provided - xx/xx/xxxx Fraud Report - xx/xx/xxxx |
2026-07-23 16:44 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000131786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 8 | xx/xx/xxxx | Credit | Title - Lien Position | Title documents provided in the loan file verified a subject
lien position which is greater than a 2nd lien. Lender to provide evidence
that the Vendor's Lien in the original principal amount of $xxxxxx has been
satisfied, released, or will be paid in full at closing, as applicable.
Confirm the subject loan will obtain the required lien position in accordance
with investor guidelines. |
updated title report -
xx/xx/xxxx lien release - xx/xx/xxxx |
updated mortgage sats. -
xx/xx/xxxx updated title report - xx/xx/xxxx Lender to provide evidence that the Vendor's Lien in the original principal amount of $xxxxxx has been satisfied, released, or will be paid in full at closing, as applicable. Confirm the subject loan will obtain the required lien position in accordance with investor guidelines. The satisfaction that was sent does not verify the Vender Lien for $xxxxxx datedxx/xx/xxxx. Unable to verify if subject mortgage will be in first lien position. - xx/xx/xxxx lien release - xx/xx/xxxx |
2026-07-21 14:48 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000136315 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 6 | xx/xx/xxxx | Credit | Title - Ownership Issue | Title documents provided in the loan file reflected potential
ownership issues. While the chain of title support the LLC as owning the
property for > 12 months, the VOM and mortgage statement support a
guarantor that is not listed in the operating agreement as a member of the
xxxxxx . The change of membership
documentation supporting the additonal party on the VOM is missing in the
loan file. Guarantor on VOM is member of the xxxxxx , which xxxxxx has no ownership in xxxxxx. |
OA for xxxxxx -
xx/xx/xxxx |
documentation meet requirements - xx/xx/xxxx OA for xxxxxx - xx/xx/xxxx |
2026-07-22 15:26 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126527 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 7 | xx/xx/xxxx | Credit | Title Commitment - Other | There are additional findings regarding the title commitment.
Missing the release from the CEMA/Blanket Mortgage. |
attached - xx/xx/xxxx |
The CEMA mortgage appearing on title does not get released. It
gets assigned to the new lender. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-04 17:30 | Resolved | 2 | 1 | 3 | 1 | ||||
| 4000126117 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 6 | xx/xx/xxxx | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s).
Lender to provide an updated title commitment or a supplement including the
insured loan amount of $ xxxxxx |
Title supplement attached - xx/xx/xxxx |
SUPPLEMENTAL REPORT showing loan amount of $xxxxxx was
provided. Condition resolved. -
xx/xx/xxxx Title coverage amount of $xxxxxx is equal to or greater than total amount of subject lien(s) $xxxxxx+0+0 - xx/xx/xxxx Title supplement attached - xx/xx/xxxx |
2026-06-30 18:22 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000131920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 10 | xx/xx/xxxx | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s). The
title coverage is for $xxxxxx $xxxxxx the loan closed at $xxxxxx |
Title Report -
xx/xx/xxxx |
updated title policy - xx/xx/xxxx Title Report - xx/xx/xxxx |
2026-07-21 14:40 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000135605 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s).
Lender to provide the updated title commitment with the loan amount of $
xxxxxx |
Title Policy - xx/xx/xxxx |
Corrected Title provided. Condition resolved. - xx/xx/xxxx Title coverage amount of $xxxxxx is equal to or greater than total amount of subject lien(s) $xxxxxx+0+0 - xx/xx/xxxx Title Policy - xx/xx/xxxx |
2026-07-06 19:56 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000136796 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s).
Missing final title policy with the update loan amount of $xxxxxx $xxxxxx |
Alta policy provided - xx/xx/xxxx see title policy carrying enough coverage - xx/xx/xxxx |
Title coverage amount of $xxxxxx is equal to or greater than
total amount of subject lien(s) $xxxxxx+0+0 - xx/xx/xxxx Alta policy provided - xx/xx/xxxx see title policy carrying enough coverage - xx/xx/xxxx |
2026-07-22 15:05 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136309 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Title Document is Partially Present | Title document is incomplete or only partially present. File is missing either a Quick EQ/Property
Report or the RELP, MRELP, Transaction Cert, or E&O Policy. Please supply both required Title
documents. Missing complete title commitment including the vesting and loan
amount for $xxxxxx |
Schedule A - xx/xx/xxxx |
Title provided. Condition
resolved. - xx/xx/xxxx Title document has been provided. - xx/xx/xxxx Schedule A - xx/xx/xxxx |
2026-07-14 16:41 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136691 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Credit | Title Document is Partially Present | Title document is incomplete or only partially present. File is missing either a Quick EQ/Property
Report or the RELP, MRELP, Transaction Cert, or E&O Policy. Please supply both required Title
documents. The title commitment does not reflect the coverage amount or
vesting in the non-borrowing spouse. |
Supplemental report provided - xx/xx/xxxx Proposed insured attached. Vesting will show in borrower and her spouse on the final title policy - xx/xx/xxxx |
Title document has been provided. - xx/xx/xxxx Supplemental report provided - xx/xx/xxxx Proposed insured attached. Vesting will show in borrower and her spouse on the final title policy - xx/xx/xxxx |
2026-07-16 21:42 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000130466 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Title Document Missing | Title document is missing. Lender to provide the title
commitment/ policy including the loan amount of $ xxxxxx $xxxxxx |
Please email from escrow
- xx/xx/xxxx |
Title confirmed coverage, meets requirements. - xx/xx/xxxx Please email from escrow - xx/xx/xxxx |
2026-07-08 19:25 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000130617 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Title Document Missing | Title document is missing. Lender to provide the Co-op title
commitment with sufficient coverage. |
TITLE - xx/xx/xxxx |
Subject is a Co-Op. Title
Lien search was provided. Condition
resolved. - xx/xx/xxxx Title document is fully present - xx/xx/xxxx TITLE - xx/xx/xxxx |
2026-06-24 14:06 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000130998 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 11 | xx/xx/xxxx | Credit | Title Document Missing | Title document is missing. Title documents not in file Document
Uploaded. Commitment provided via email |
title commitment was already approved - final title policy is
post purchase- we haven't received this from title. please advise? -
xx/xx/xxxx these were provided and cleared. - xx/xx/xxxx please be more specific, what title document are you looking for? I uploaded the remaining title docs to the first title condition. I'm unsure what you're looking for. - xx/xx/xxxx title - cpl - xx/xx/xxxx |
Title document is fully present - xx/xx/xxxx The two additional documents loaded were screen shots of the condition, not the title policy or commitment, condition remains, please load the actual title, not the CPL. - xx/xx/xxxx title commitment was already approved - final title policy is post purchase- we haven't received this from title. please advise? - xx/xx/xxxx Condition upheld. The loan file does not contain a Title Commitment, or Title Policy. The only thing provided was a Closing Protection Letter. Provide the Title Document for the subject property. - xx/xx/xxxx these were provided and cleared. - xx/xx/xxxx Condition upheld. File is missing the Title Commitment, Final Policy. - xx/xx/xxxx please be more specific, what title document are you looking for? I uploaded the remaining title docs to the first title condition. I'm unsure what you're looking for. - xx/xx/xxxx Condition upheld. CPL provided. File is missing the Title. - xx/xx/xxxx title - cpl - xx/xx/xxxx |
2026-07-02 15:27 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000132711 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Title Document Missing | Title document is missing. Provide Title document. |
Title commitment attached - xx/xx/xxxx |
Prelim provided.
Condition resolved. - xx/xx/xxxx Title document is fully present - xx/xx/xxxx Title commitment attached - xx/xx/xxxx |
2026-06-18 14:21 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000134686 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | TRID: Closing disclosure Calculating Cash to Close deficiency | Missing the post closing disclosure showing the gift funds of $
xxxxxx and showing the cash to close form the borrowers at $xxxxxx. |
Attached Final statement
- xx/xx/xxxx |
Received final settlement statement with all credits -
xx/xx/xxxx Attached Final statement - xx/xx/xxxx |
2026-07-17 17:27 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136813 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Compliance | TRID: Closing disclosure Calculating Cash to Close deficiency | Missing post-closing CD to reflect the gift deposit of $xxxxxx.
Checks in the file were made out to the settlement agent. |
see attached -
xx/xx/xxxx |
PCCD provided reflecting gift in cash to close - xx/xx/xxxx see attached - xx/xx/xxxx |
2026-07-21 17:09 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000104939 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | TRID: Closing Disclosure Deficiency | Final CD is missing the payoff to ISA investments for $xxxxxx.
Lender to provide an updated post closing CD with the payoff reflected on
it. |
attached - xx/xx/xxxx |
Received CD with payoff - xx/xx/xxxx attached - xx/xx/xxxx |
2025-12-18 15:46 | Resolved | 3 | 1 | 3 | 1 | |||
| 4000136565 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Compliance | TRID: Closing disclosure Loan Costs and/or Other Costs deficiency | Missing post-closing CD including additional deposits to escrow
by the 2nd buyer on the purchase contract not reflected on the final CD.
Additional monies are $xxxxxx per the wire receipt on file. |
PCCD - xx/xx/xxxx |
PCCD updated - xx/xx/xxxx PCCD - xx/xx/xxxx |
2026-07-22 20:32 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135605 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Compliance | TRID: Missing Final Closing Disclosure | The loan file does not contain the Final Closing Disclosure. The
loan file is missing the Final Signed Closing Disclosure. |
CD - xx/xx/xxxx |
TRID: Final Closing Disclosure Provided - xx/xx/xxxx Received FCD - xx/xx/xxxx CD - xx/xx/xxxx |
2026-07-10 18:23 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000134559 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 6 | xx/xx/xxxx | Compliance | TRID: Missing Initial Closing Disclosure | The loan file does not contain the initial Closing Disclosure.
The Initial Closing disclosure is missing. The only Closing Disclosure
provided is dated xx/xx/xxxx which is issued the day of closing/signing. |
ICD - xx/xx/xxxx |
Received ICD - xx/xx/xxxx ICD - xx/xx/xxxx |
2026-07-01 14:08 | Resolved | 4 | 1 | 4 | 1 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 6 of 14 | xx/xx/xxxx | Compliance | TRID: Missing Loan Estimate | The Initial Loan Estimate(s) is missing. |
les - xx/xx/xxxx |
Received ILE - xx/xx/xxxx les - xx/xx/xxxx |
2026-06-23 14:23 | Resolved | 1 | 3 | 1 | |||||
| 4000137626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
The loan file contains a CDA with Low Risk and CDA to Appraisal value with 0.00% variance which meets the lender's guidelines. | 2026-07-13 15:49 | Cleared | 1 | 1 | 1 | 1 | ||||
| 4000125645 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Rescinded due to outstanding property finding. | 2026-05-15 17:59 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000096434 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-16 20:13 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000104038 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 5 of 9 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2025-12-10 17:41 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000104202 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. The loan file contains a CU with a score
of 1.0 and LPA with a score of 1.0 which satisfies the lender's guideline
requirements. |
2025-12-26 18:23 | Cleared | 1 | 1 | 1 | 1 | ||||
| 4000104426 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-01-02 05:02 | Cleared | 1 | 1 | 3 | 1 | ||||
| 4000104939 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2025-12-14 17:46 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000105626 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 7 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-09 15:50 | Cleared | 1 | 1 | 4 | 2 | ||||||
| 4000109897 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-01-28 01:51 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000110063 | xxxxx | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-03-02 23:14 | Cleared | 1 | 1 | 1 | 1 | |||
| 4000110647 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-03-11 15:42 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000111650 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-03-06 21:50 | Cleared | 1 | 1 | 3 | 1 | ||||
| 4000115913 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 7 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-03-10 18:02 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000115992 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 2 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-03-13 16:56 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000117280 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-03-04 18:33 | Cleared | 1 | 1 | 3 | 2 | ||||
| 4000118368 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-04-29 20:49 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000118372 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-04-30 12:19 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000119860 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-04-21 19:57 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000121802 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-04-13 14:23 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000123691 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-05-01 15:03 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000125821 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-05-13 19:05 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000126117 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-06-13 13:14 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000126475 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-01 22:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000126527 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 7 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-05-20 21:39 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000126535 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-05-19 18:39 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000126543 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-05-20 17:21 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000126781 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-05-11 16:16 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000127274 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-17 17:04 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000128066 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-30 15:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000128166 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-16 21:08 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000128430 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-02 15:56 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000128602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-19 19:12 | Cleared | 1 | 1 | 1 | |||||||
| 4000128684 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-18 21:50 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000128792 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-06-12 17:50 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000128798 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-08 18:04 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000128806 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-05-22 19:36 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000128920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-05-28 20:45 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000128978 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-20 21:26 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000129182 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-10 00:23 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000129204 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 6 of 10 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-10 22:53 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000129214 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-17 18:13 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000129356 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-05-20 21:09 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000129593 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-10 17:43 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000129609 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 9 of 11 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-04 20:08 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000129660 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-16 16:54 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000129778 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-17 16:23 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000129936 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-17 16:33 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130091 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-09 23:07 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130449 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-17 15:42 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130466 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-30 22:11 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130556 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-15 20:57 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130604 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-09 23:47 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000130617 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-18 19:47 | Cleared | 1 | 1 | 4 | 2 | ||||||
| 4000130667 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-14 16:29 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000130720 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-22 16:13 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130771 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-02 12:34 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000130784 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-25 20:56 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000130788 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-10 19:20 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130792 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-30 19:30 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000130795 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-19 18:56 | Cleared | 1 | 1 | 1 | |||||||
| 4000130864 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-08 19:55 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000130896 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
If appraisal is supported, then what is needed to clear this
please advise? - xx/xx/xxxx |
If appraisal is supported, then what is needed to clear this
please advise? - xx/xx/xxxx |
2026-07-10 21:31 | Cleared | 1 | 1 | 3 | 1 | ||||
| 4000131097 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 23:23 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131157 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-02 18:16 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000131164 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-16 20:06 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131168 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 20:08 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131209 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-25 15:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000131337 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 20:31 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131516 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-05-31 19:57 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000131518 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-06-29 18:55 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000131631 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-13 15:39 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000131641 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-08 16:52 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000131643 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-16 15:13 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000131695 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-30 15:39 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131793 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-23 17:46 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000131821 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-12 22:11 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000131822 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-07 12:08 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131920 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 10 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-07 23:40 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000131939 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-19 18:41 | Cleared | 1 | 1 | 1 | |||||||
| 4000131943 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-15 17:03 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000131951 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-19 19:19 | Cleared | 1 | 1 | 1 | |||||||
| 4000132001 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-06-08 21:43 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000132007 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 9 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-10 20:03 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000132050 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-01 19:14 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000132206 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-09 22:30 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000132219 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-23 19:44 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000132282 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-30 12:00 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000132343 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-09 22:25 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000132520 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-22 14:24 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000132534 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-09 12:16 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000132567 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-16 21:43 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000132602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-07 12:13 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000132633 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-15 22:04 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000132720 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 7 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-16 22:05 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000132724 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-30 21:37 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000132735 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-24 14:54 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000132755 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-26 21:20 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000132762 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-19 22:32 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000132765 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-29 13:00 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000132786 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-26 03:39 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000132822 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-24 14:05 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000132839 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-07 12:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000132881 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Please let us know, What is required on this ? - xx/xx/xxxx |
Informational - xx/xx/xxxx Please let us know, What is required on this ? - xx/xx/xxxx |
2026-06-30 16:54 | Cleared | 1 | 1 | 4 | 1 | ||||
| 4000132912 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 22:54 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000132948 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-09 18:59 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000132990 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-13 19:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133014 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-21 13:32 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133016 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-17 15:56 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133042 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-26 18:59 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133107 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 7 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-18 22:53 | Cleared | 1 | 1 | 4 | 2 | ||||||
| 4000133197 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-25 22:57 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133219 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 22:55 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133228 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-26 21:37 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133278 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-07 21:53 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133289 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-10 20:15 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133315 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-02 18:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133318 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-08 20:52 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133347 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-09 12:05 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133401 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-23 19:11 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000133415 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-14 22:11 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133498 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-02 20:38 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133531 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-13 15:30 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133544 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-01 19:18 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133556 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 23:27 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133561 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-17 18:41 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133562 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-13 15:33 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133639 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-31 19:11 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000133668 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-01 19:22 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133696 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-06-12 15:43 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000133753 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-18 19:29 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000133755 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 22:32 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133789 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-10 21:31 | Cleared | 1 | 1 | 4 | 2 | ||||||
| 4000133829 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-24 19:02 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000133840 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-18 21:05 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000133982 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-10 20:35 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000133984 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 7 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-13 19:23 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000133992 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-23 22:22 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000133995 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 23:31 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000133999 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-14 04:41 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000134000 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 21:28 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134099 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-15 20:39 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000134116 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. The loan file contains a CDA with Low
Risk and CDA to Appraisal value with 0.00% variance which meets the lender's
guidelines. |
Informational - xx/xx/xxxx |
2026-07-13 15:50 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134149 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-02 19:30 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000134156 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-20 15:23 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134159 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
This audit is invalid. CDA report came back within the allowable
10% tolerance, CDA Alue to Appraisal Value -4.8%; and CDA was given green
checkmxxxxxx "additional review
alert: Not Recommended (attached above) with green check mxxxxxx . File was
also sent up for pre-close review with xxxxxx and no findings at that time
either; - xx/xx/xxxx |
Informational - xx/xx/xxxx This audit is invalid. CDA report came back within the allowable 10% tolerance, CDA Alue to Appraisal Value -4.8%; and CDA was given green check xxxxxx "additional review alert: Not Recommended (attached above) with green check xxxxxx . File was also sent up for pre-close review with xxxxxx and no findings at that time either; - xx/xx/xxxx |
2026-07-08 13:19 | Cleared | 1 | 1 | 1 | 1 | ||||
| 4000134163 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-09 12:11 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134213 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-26 13:38 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134217 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 2 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-26 16:04 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134282 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 22:39 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134304 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-24 20:51 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134305 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-14 05:10 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134327 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-28 14:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134353 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-07 12:23 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134390 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-24 14:47 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134416 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-30 23:13 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134423 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-07 23:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134429 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-07 20:41 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134464 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-08 16:41 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134502 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-13 17:20 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134511 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-07 12:19 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134515 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-01 22:01 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134524 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-29 16:40 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134532 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-08 21:30 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134547 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-13 17:21 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134556 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-26 20:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134559 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 4 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-30 19:49 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000134560 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-06-26 12:59 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134570 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-30 21:52 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000134573 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 20:35 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000134627 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-23 17:17 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000134628 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-14 17:56 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134635 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-29 21:47 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134636 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-07 23:28 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134677 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-23 18:59 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000134680 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 22:35 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134686 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-16 20:12 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134698 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-29 22:12 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134708 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-07 23:29 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134716 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-16 20:05 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134739 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-20 21:18 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134756 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-09 23:49 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134773 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-07 15:57 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134798 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-29 19:05 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134812 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-16 20:39 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134837 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-30 16:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134877 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-19 22:30 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134905 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. The loan file contains a CU a with risk
score = / < 2.5 which meets the lender's guidelines. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. The loan file contains a CU a with risk
score = / < 2.5 which meets the lender's guidelines. - xx/xx/xxxx |
2026-07-13 19:41 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134908 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-13 18:37 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000134921 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-10 20:49 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134941 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 2 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-01 22:28 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000134956 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-09 20:46 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000135002 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-08 19:54 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135005 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-09 14:59 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135008 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 7 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
CDA - xx/xx/xxxx |
CDA - xx/xx/xxxx |
2026-06-23 13:35 | Cleared | 1 | 1 | 4 | 2 | ||||
| 4000135014 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-30 12:06 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135104 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-01 22:13 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135135 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-08 21:01 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135137 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-07 14:43 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135213 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-07 17:50 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135225 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-24 16:58 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135233 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-22 21:31 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135282 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-07 23:33 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135289 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-08 20:48 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135297 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-23 19:16 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000135298 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-01 19:27 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135303 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-02 21:06 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135347 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-19 22:28 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135354 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-09 12:06 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135395 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-02 18:55 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135417 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-22 19:27 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135464 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-08 20:49 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135494 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-26 13:18 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135593 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-01 15:33 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135604 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-21 18:58 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135605 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-26 21:31 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000135680 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-29 21:49 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135688 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 8 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-23 20:45 | Cleared | 1 | 1 | 4 | 2 | ||||||
| 4000135731 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 17:12 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135741 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-24 13:49 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135768 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-15 20:24 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000135801 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-23 17:18 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000135839 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-06-25 15:54 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000135867 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-07 23:35 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135873 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-21 14:40 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135898 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-14 21:25 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135925 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-29 18:50 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000135934 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 15:22 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135954 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-01 22:15 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000135967 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 21:36 | Cleared | 1 | 1 | 4 | 2 | |||||
| 4000136023 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-22 19:21 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136054 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-16 20:07 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136090 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-09 23:50 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136112 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-10 20:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136137 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-28 16:16 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136163 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-14 22:36 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136177 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 21:31 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136209 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-20 21:22 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136240 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-13 22:02 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136309 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-10 17:47 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136315 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-10 16:28 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000136327 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-23 18:18 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136334 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-10 21:59 | Cleared | 1 | 1 | 2 | 1 | |||||
| 4000136339 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-06-30 11:58 | Cleared | 1 | 1 | 2 | 1 | |||||
| 4000136357 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-21 21:06 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136362 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-14 21:23 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136378 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-14 04:15 | Cleared | 1 | 1 | 2 | 1 | ||||||
| 4000136428 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-13 15:41 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136430 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-17 18:46 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136436 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-10 19:34 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136445 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-10 21:24 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000136464 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-13 15:29 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136493 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-14 19:03 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136509 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-07 14:50 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136533 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-14 20:55 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000136565 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-17 20:37 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136580 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-15 19:40 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000136596 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-23 17:26 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136598 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-14 04:35 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000136602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-15 21:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136622 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-13 22:17 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136631 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-27 13:56 | Cleared | 1 | 1 | 2 | 1 | |||||
| 4000136647 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-27 21:08 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136691 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-14 20:02 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000136731 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-25 22:40 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136734 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-20 18:28 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136748 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-24 18:39 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136755 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-22 19:19 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000136796 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-21 21:16 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136813 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-20 21:35 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136848 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-22 01:17 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000136862 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-20 21:23 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136865 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-08 20:46 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136867 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-22 12:21 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136911 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-19 22:38 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000136913 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-29 12:33 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136918 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-01 22:30 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000136988 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-16 17:59 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137011 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-16 20:13 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137018 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-08-06 21:47 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137038 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-17 18:43 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137040 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-17 19:32 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137083 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-22 21:26 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137128 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-06 17:16 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137238 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 6 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-23 18:55 | Cleared | 1 | 1 | 4 | 2 | ||||||
| 4000137242 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-23 17:16 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000137322 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-25 23:04 | Cleared | 1 | 1 | 2 | 2 | |||||
| 4000137324 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-22 12:21 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137328 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 6 of 9 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-13 17:36 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137393 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-20 21:20 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137487 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-15 19:10 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 4000137696 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-10 21:28 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137812 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-24 18:36 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137816 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-17 15:54 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137834 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-21 16:26 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000137840 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-17 16:01 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137967 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-22 15:47 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000137974 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-22 01:20 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000137982 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-19 22:34 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000138012 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 2 of 2 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-21 13:30 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000138013 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-17 16:58 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138028 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-24 20:04 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138092 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-28 21:09 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138160 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-24 15:32 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000138357 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-28 14:55 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138392 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. - xx/xx/xxxx |
2026-07-13 20:27 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000138435 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-24 01:14 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 4000138462 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-29 14:51 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138597 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-27 20:09 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138602 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-28 21:37 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000138617 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-14 04:56 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000138670 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-29 17:02 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138685 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-24 18:10 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138700 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-22 17:17 | Cleared | 1 | 1 | 1 | 1 | ||||||
| 4000138719 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 2 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-24 20:47 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000138731 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. Informational |
2026-07-24 01:20 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000138732 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-07-15 19:06 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 4000138753 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-08-12 19:11 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138787 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-20 20:35 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000138803 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-22 19:29 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000138805 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-24 20:14 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000138962 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-08-12 19:10 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000139257 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-08-05 16:31 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000139279 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-30 19:35 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000139413 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 5 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-27 13:14 | Cleared | 1 | 1 | 4 | 1 | |||||
| 4000139679 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-30 15:03 | Cleared | 1 | 1 | 3 | 2 | |||||
| 4000139704 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-27 18:44 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000140246 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-07-29 17:00 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000141158 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-08-01 00:18 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000141201 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-08-19 18:16 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000142020 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
Informational - xx/xx/xxxx |
2026-08-19 20:29 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000142845 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-08-05 18:42 | Cleared | 1 | 1 | 1 | 1 | |||||
| 4000142969 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable
appraisal guidelines were satisfied. |
2026-08-07 15:16 | Cleared | 1 | 1 | 3 | 1 | |||||
| 4000129204 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | xx/xx/xxxx | 5 of 10 | xx/xx/xxxx | Credit | Verification Documenation - VOR Missing | The loan file did not contain a Verifiction of Rent as required.
Missing evidence of rent verification for the borrower, reflecting an
estimated monthly rent payment of $xxxxxx . |
vor - xx/xx/xxxx VOR - xx/xx/xxxx |
Rent history and VOR provided.
- xx/xx/xxxx vor - xx/xx/xxxx Condition upheld. Does not tie Borrower to rent - xx/xx/xxxx VOR - xx/xx/xxxx |
2026-07-21 20:44 | Resolved | 3 | 1 | 4 | 1 | ||||
| 4000115913 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 5 of 7 | xx/xx/xxxx | Credit | Verification Documentation - Expired | The following loan documents were expired at the time of
closing. The identification provided for B1 expired xx/xx/xxxx . The patriot
information form does not include an ID with an image was used to validate
B1. |
id - xx/xx/xxxx |
ID provided. Condition
resolved. - xx/xx/xxxx id - xx/xx/xxxx |
2026-03-30 20:33 | Resolved | 2 | 1 | 4 | 1 | ||||
| 4000137487 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 5 | xx/xx/xxxx | Credit | Verification Documentation - Expired | The following loan documents were expired at the time of
closing. Borrower passport expired in xxxxxx. |
passport - xx/xx/xxxx |
documentation meet requirements - xx/xx/xxxx passport updated. - xx/xx/xxxx passport - xx/xx/xxxx |
2026-07-22 20:09 | Resolved | 2 | 1 | 3 | 2 | ||||
| 4000130617 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 5 of 5 | xx/xx/xxxx | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Missing full and complete VOM. Verification of Rent
(VOR)/Verification of Mortgage (VOM) Document is Missing. Lender to provide
VOR's for the borrower's current and former residence since they have been
there less than 2 years. 12 months has not been verified. xx/xx/xxxxto
xx/xx/xxxxhas not been provided. |
please see attached exception. this was provided when the loan
was shipped with the file originally.
- xx/xx/xxxx Please see the attached LOE from borrower and the rent history. The borrower moved out the previous apartment xxxxxx and moved in to the current address xxxxxx . - xx/xx/xxxx 12 MOS housing history is required not 24 MOS. - xx/xx/xxxx |
Exception provided. Missing
xxxxxx for 12 months rental payment history. Borrower Provided LOE.
Explanation is in line with documentation provided to support. Exception
approved. - xx/xx/xxxx please see attached exception. this was provided when the loan was shipped with the file originally. - xx/xx/xxxx Condition upheld. The Final 1003 the Borrower signed states the current residence on xxxxxx was for 11 months. Prior to that was at xxxxxx for 2 years. Provided Verification of Housing History for the most recent 12months as required by and according to Guidelines, or an approved exception from xxxxxx . - xx/xx/xxxx Please see the attached LOE from borrower and the rent history. The borrower moved out the previous apartment xxxxxx and moved in to the current address xxxxxx . - xx/xx/xxxx The most recent 12 months have not been provided, if only providing 12 per guidelines they should be the most recent. - xx/xx/xxxx 12 MOS housing history is required not 24 MOS. - xx/xx/xxxx |
Fico xxxxxx, 20% down payment, <45% DTI, 50 months reserves | 2026-07-16 13:12 | Waived | 3 | 2 | 4 | 2 | |||
| 4000133107 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 7 | xx/xx/xxxx | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is incomplete. The subject property has a private party mortgage per
the verification of mortgage provided. Per guidelines, when the subject
property or the borrower's primary residence has a private party mortgage
(e.g., individual, private lender, hard money lender), the following
documentation is also required: Borrower's proof of payment for the most
recent six months (e.g., Cancelled checks, bank statements, ACH payments,
bank transfer/wire, electronic payment method). Proof of payment for the most
recent six months is missing from the loan file. |
Exception approval - xx/xx/xxxx |
Approved Exception provided to waive Housing History for Private
VOR. - xx/xx/xxxx Exception approval - xx/xx/xxxx |
DSCR >1, experienced Investor. | 2026-07-07 13:32 | Waived | 3 | 2 | 4 | 2 | |||
| 4000128684 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 4 of 4 | xx/xx/xxxx | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is incomplete. Documentation of the pay history for the last 12
months is missing from the loan file. The borrower rented the xxxxxx property for 6 months. This pay history is
missing from the loan file. |
Rent Free LOE provided - xx/xx/xxxx No VOR needed - xx/xx/xxxx |
Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is not partially present. - xx/xx/xxxx Rent Free LOE provided - xx/xx/xxxx No VOR needed - xx/xx/xxxx |
2026-07-06 14:52 | Resolved | 3 | 1 | 3 | 2 | ||||
| 4000131821 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is incomplete. Lender guidelines v8.9, Section 7.2 Housing history -
Housing history evidenced by twelve (12) months proof of payment via
cancelled checks, bank debits or institutional VOR. When the subject property
or the borrower's primary residence has a private party mortgage, the
following documentation is also required: Borrower's proof of payment for the
most recent 6-months. The loan file contains cancelled checks from xx/xx/xxxx
to xx/xx/xxxx , missing 0xx/xx/xxxx- xx/xx/xxxx , xx/xx/xxxx to xx/xx/xxxx . In addition, the loan file
contains a one-page expired lease; however, the loan file is missing the
VOR. |
Ø Per attached GLs: “If a borrower rents from a professional
management company, a fully completed and signed VOR may be utilized. If a
borrower rents from a private landlord, the most recent 12 months’
consecutive cancelled checks (front and back) along with a copy of the lease
must be provided” The lease was provided and attached along with all payments
- xx/xx/xxxx |
Mortgage history has been updated - cancelled cks -
xx/xx/xxxx Ø Per attached GLs: “If a borrower rents from a professional management company, a fully completed and signed VOR may be utilized. If a borrower rents from a private landlord, the most recent 12 months’ consecutive cancelled checks (front and back) along with a copy of the lease must be provided” The lease was provided and attached along with all payments - xx/xx/xxxx |
2026-07-08 21:13 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132206 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 3 | xx/xx/xxxx | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is incomplete. Per Lender Guidelines v8.9 - section 7.2 Housing
History - When the subject property or the borrower's primary residence has a
private party mortgage (e.g., individual, private lender, hard money lender),
the following documentation is also required: Borrower's proof of payment for
the most recent 6 months (e.g., Cancelled checks, bank statements, ACH
payments, bank transfer/wire, electronic payment method). The loan file does
contain a VOR; however, the canceled checks are missing. |
attached - xx/xx/xxxx |
Evidence of payments was provided. Condition resolved. - xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx attached - xx/xx/xxxx |
2026-07-01 14:22 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135297 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is incomplete. The verification of mortgage for the subject property
is good through xx/xx/xxxx . The Note date is xx/xx/xxxx . Documentation that
the May payment has been made is missing from the loan file. The property
report showing that the borrower's primary residence is owned free and clear
is missing from the loan file. |
Pay History provided.
Condition resolved. - xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx -Payment history for the subject property showing the xxxxxx payment was made on xxxxxx (please see the AUTOPOST transaction made on xxxxxx. -Borrower lives with his dad (xxxxxx) and there is no debt on the primary address he is reporting on his loan application. - xx/xx/xxxx |
Pay History provided.
Condition resolved. - xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx -Payment history for the subject property showing the xxxxxx payment was made on xxxxxx (please see the AUTOPOST transaction made on xxxxxx. -Borrower lives with his dad (xxxxxx) and there is no debt on the primary address he is reporting on his loan application. - xx/xx/xxxx |
2026-06-30 19:15 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000135943 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 7 of 7 | xx/xx/xxxx | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is incomplete. Per Lender Guidelines 2.3 xxxxxx DSCR Plus Program -
Housing history verification is required on subject property and borrower
primary residence, regardless of whether or not the borrower is on the Note
or Vested on Title. Any additional housing history included in the loan file
that reflects delinquencies will be subject to review and must adhere to loan
program matrix - Per the Matrix 16.3 Housing history must reflect 0x30x12. On the Borrower’s credit report, there are a total of 6 mortgages with unknown address being reported. |
Private party VOM provided - xx/xx/xxxx attached - xx/xx/xxxx |
Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is not partially present. - xx/xx/xxxx Private party VOM provided - xx/xx/xxxx attached - xx/xx/xxxx |
2026-07-14 13:04 | Resolved | 3 | 1 | 4 | 2 | ||||
| 4000136796 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 1 of 5 | xx/xx/xxxx | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is incomplete. Missing credit supplement for the mortgage with
xxxxxx. last date reported was in xxxxxx. |
xxxxxx update and Rent Free letter provided - xx/xx/xxxx see attached supplement and LOE that was provided - xx/xx/xxxx |
Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is not partially present. - xx/xx/xxxx xxxxxx update and Rent Free letter provided - xx/xx/xxxx see attached supplement and LOE that was provided - xx/xx/xxxx |
2026-07-22 15:02 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000137275 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 3 of 3 | xx/xx/xxxx | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM)
Document is incomplete. Per the lender guidelines v8.9 - section 7.2 -
housing history - Housing history evidenced by twelve (12) months proof of
payment via cancelled checks, bank debits or institutional VOR. The loan file
contained a VOR; however, it is from a private person and there isnt any
evidence of cancelled checks to support the history. |
Please VOR with proof of payments - xx/xx/xxxx |
Private VOR and evidence of 12 months payments were
provided. Condition resolved. -
xx/xx/xxxx Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - xx/xx/xxxx Please VOR with proof of payments - xx/xx/xxxx |
2026-07-20 18:11 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000132928 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 13 of 14 | xx/xx/xxxx | Compliance | New York - Subprime Home Loan (First Lien)(02/10) | This is a xxxxxx
"subprime home loan." The loan's current APR (8.108%)
exceeds the xxxxxx Subprime Home Loan
threshold of (7.75%) by (xxxxxx). The threshold is determined by adding 1.75
points to the comparable xxxxxx PMMS
rate. (xxxxxx Bank 6-m(1)(c)) . |
. - xx/xx/xxxx this is not subprime - xx/xx/xxxx |
Under xxxxxx Banking Law
Section 6-m, the threshold is calculated using the xxxxxx Primary Mortgage market Survey (PMMS) rate published in the week
immediately preceding your lock date.
Loan was locked xx/xx/xxxx, Applicable Benchmxxxxxx Rate: 6.53% (Published by xxxxxx on xxxxxx ) and loan does not qualify as a
sub-prime loan - xx/xx/xxxx . - xx/xx/xxxx this is not subprime - xx/xx/xxxx |
2026-06-25 16:59 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000136163 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx/xx/xxxx | 2 of 3 | xx/xx/xxxx | Compliance | New York - Subprime Home Loan (First Lien)(02/10) | This is a xxxxxx
"subprime home loan." The loan's current APR (8.3%) exceeds
the xxxxxx Subprime Home Loan
threshold of (8.26%) by (0.04). The threshold is determined by adding 1.75
points to the comparable xxxxxx PMMS
rate. (xxxxxx Bank 6-m(1)(c)) . |
please see verbiage added to the note and mortgage -
xx/xx/xxxx |
Confirmed loan was disclosed as subprime - xx/xx/xxxx please see verbiage added to the note and mortgage - xx/xx/xxxx |
2026-07-16 13:20 | Resolved | 3 | 1 | 3 | 1 | ||||
| 4000126543 | xx/xx/xxxx | xxxxx | xxxxx | xxxxxx | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | xx/xx/xxxx | 2 of 4 | xx/xx/xxxx | Credit | OFAC Check Not Completed and/or Cleared | xxxxxx check not completed and/or cleared. |
attached - xx/xx/xxxx |
xxxxxx Check Completed and Cleared - xx/xx/xxxx attached - xx/xx/xxxx |
2026-06-01 17:21 | Resolved | 3 | 1 | 3 | 1 |