Exhibit 99.43
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | XXXX | 305048373 | Closed | 2026-02-06 06:40 | 2026-02-19 09:45 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Articles of Organization uploaded for review. - Buyer-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Articles of organization missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXX XXXX XXX - XXXXXXXX XX XXXXXXXXX_XXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7484392 | N/A | N/A | ||||
| XXXX | XXXX | 305048373 | Closed | 2026-02-09 01:25 | 2026-02-13 06:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report uploaded for review - Buyer-XX/XX/XXXX Open-Missing Third Party Fraud Report Please provide copy of Fraud Identity or report to verify Fraud/OFAC etc. the provided document risk assessment on page XXX is not readable. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXX XXXX XXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 7509828 | N/A | N/A | ||||
| XXXX | XXXX | 305074242 | Closed | 2026-03-16 11:04 | 2026-03-24 09:55 | Resolved | 1 - Information | B | A | Credit | Credit | Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (2) | Resolved-Post Disaster Inspection for subject property received. No damage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property potentially affected by FEMA Disaster ID XXXX. SEVERE WINTER STORM, XX - Declared XX/XX/XXXX with an Incident End Date of XXXX-XX-XX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Post Disaster Inspection for subject property received. No damage. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXXXX - XXX XXXXXXXXXX XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8128002 | N/A | N/A | |||
| XXXX | XXXX | 305071445 | Closed | 2026-03-12 10:58 | 2026-03-14 14:12 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Underwriting exception on the page XXXX: Exception review - approved to allow comparables over X miles and older. Appraiser explains due to availability for multi unit property. Comp factors: XXX fico, DSCR above X.XX,X+ mos reserves (vs. X) - Due Diligence Vendor-XX/XX/XXXX | Waived-Underwriting exception on the page XXXX: Exception review - approved to allow comparables over X miles and older. Appraiser explains due to availability for multi unit property. Comp factors: XXX fico, DSCR above X.XX,X+ mos reserves (vs. X) - Due Diligence Vendor-XX/XX/XXXX |
DSCR is X.XXX. Minimum required per guidelines is X. Investor experience is Heavy. Investor Experience required per guidelines is None. Borrower(s) have X.XX months Reserves. Minimum required per guidelines is X months. Credit Score is XXX. Minimum required per guidelines is XXX. |
XXXX | Investment | Purchase | NA | 8071566 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 305074390 | Closed | 2026-03-24 03:31 | 2026-03-25 15:39 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | MI Prepayment Penalty Prohibited | Open-Per MCL XXX.XXc(X)(c), BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. BPL prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties - Due Diligence Vendor-XX/XX/XXXX | XXXX | Investment | Refinance | Cash Out - Other | 8281648 | Originator Post-Close | No | ||||||
| XXXX | XXXX | 305074438 | Closed | 2026-03-24 05:58 | 2026-04-02 08:26 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Requested Appraisal Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Appraisal is Missing The loan file contains a copy of the appraisal report however the document is corrupt and can't be opened. The loan file is missing the appraisal report supporting a value of $XXX,XXX and market rents of $X,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Appraisal Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 8282790 | N/A | N/A | |||
| XXXX | XXXX | 305103746 | Closed | 2026-04-30 13:37 | 2026-05-18 10:14 | Resolved | 1 - Information | C | A | Credit | Credit | Assets not properly documented/insufficient | Resolved-The file contains a copy of the disbursement request and authorization and a copy of the account inquiry reflecting $XX,XXX.XX is available on the line. Not requiring proof of liquidation as the account is only being used for reserves. - Due Diligence Vendor-XX/XX/XXXX Counter-The guidelines do not exclude for reserves only the requirement to obtain evidence that the funds were transferred to the borrower’s/sponsor’s account. This is one of the requirements for using borrower funds- real estate secured. Missing evidence that the funds were transferred to the borrower's account. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Per section X.X.X, liquidation is required when funds are being used for down payment and closing costs. If funds are used for reserves, they are not required to be liquidated. - Seller-XX/XX/XXXX Open-Per guidelines dated X/XX/XX, section X.X, for Borrowed funds secured by real estate, Required Documents: X. Loan or line of credit must be secured by an asset that borrower/sponsor already owns, X. Statement to verify line limit and/or available credit and terms of secured loan, X. Evidence that the party providing the secured loan is not a party to the sale, and X. Obtain evidence that the funds were transferred to the borrower’s/sponsor’s account. For the HELOC acct#XXXX, missing evidence that the funds were transferred to the borrower’s/sponsor’s account. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX/XX - WJ - RESCIND FINDING PLEASE - Per section X.X.X, liquidation is required when funds are being used for down payment and closing costs. If funds are used for reserves, they are not required to be liquidated. - Seller-XX/XX/XXXX |
Resolved-The file contains a copy of the disbursement request and authorization and a copy of the account inquiry reflecting $XX,XXX.XX is available on the line. Not requiring proof of liquidation as the account is only being used for reserves. - Due Diligence Vendor-XX/XX/XXXX |
XX% LTV is below the maximum XX% LTV by XX%. XxXX mortgage history for XX months. DSCR ratio of X.XXX exceeds the minimum requirement of X by X.XXX points. |
XXXX | Investment | Refinance | Cash Out - Other | 8975393 | N/A | N/A | |||
| XXXX | XXXX | 305103843 | Closed | 2026-04-27 07:25 | 2026-05-21 10:03 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Updated valuation has been received. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Upload document the same as provided on Pg#XXX of the loan file. XXXXXX XXX report is dated XX/XX/XXXX and per guidelines should be within XX-days of Note (X/X/XXXX). - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Second Appraisal/ Valuation is Missing Required for Securitizations XXXXXX report Provided in Doc PG# XXX has effective date XX/XX/XXXX as per Guideline It should be Within XX days Which is Above XX days from Note date Please update Valuation Report X or Secondary Valuation report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated valuation has been received. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX X XXXXXXXX XX .XXX XXXXXXXXX XXXXXX_XXXXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8887223 | N/A | N/A | |||
| XXXX | XXXX | 305103843 | Closed | 2026-04-27 02:49 | 2026-05-12 09:14 | Resolved | 1 - Information | C | A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-XXXXD completed within XX-days of closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) XXXXXX XXX report has effective date of XX/XX/XXXX. Per guidelines, report to be within XX days. Valuation is expired. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXXXD completed within XX-days of closing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8883280 | N/A | N/A | |||
| XXXX | XXXX | 305103711 | Closed | 2026-04-28 04:25 | 2026-05-07 13:23 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Loan Amount is $ XXX,XXX.XX, Title Coverage Amount of $XXXXXX is Less than Loan Amount, Updated as per Document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 8912005 | N/A | N/A | |||
| XXXX | XXXX | 305103696 | Closed | 2026-05-04 01:07 | 2026-05-07 12:47 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | MI Prepayment Penalty Prohibited | Acknowledged-Per XXX XXX.XXx(X)(x), XXX prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per XXX XXX.XXx(X)(x), XXX prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9015404 | Investor Post-Close | No | |||||
| XXXX | XXXX | 305073043 | Closed | 2026-05-12 11:18 | 2026-05-20 09:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-New XXXXXX XXXXXXX XXXX matrix dated X/XX/XX provided. Min FICO XXX Cash Out LTV max XX%. Reduced LTV to XX% for vacant property. Transaction LTV is XX%, meets guideline. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited LTV of XX% is less than or equal to Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXX XXXXXXX XXXX MATRIX ATTACHED PLEASE CLEAR, THANK YOU! - Seller-XX/XX/XXXX Open-Audited LTV of XX% exceeds Guideline LTV of XX% Vacant property reduced LTV by X%. Exception required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXX XXXXXXX XXXX MATRIX ATTACHED PLEASE CLEAR, THANK YOU! - Seller-XX/XX/XXXX |
Resolved-New XXXXXX XXXXXXX XXXX matrix dated X/XX/XX provided. Min FICO XXX Cash Out LTV max XX%. Reduced LTV to XX% for vacant property. Transaction LTV is XX%, meets guideline. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited LTV of XX% is less than or equal to Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXX XXXX.XXX | XxXX mortgage history for XX months. DSCR ratio of X.XXX exceeds the minimum requirement of X by X.XXX points. Borrower has owned subject investment property X years. Investor has X years of experience with investment properties. |
XXXX | Investment | Refinance | Cash Out - Other | 9152155 | N/A | N/A | ||
| XXXX | XXXX | 305086806 | Closed | 2026-05-10 23:40 | 2026-05-14 05:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-Resolved Borrower not using XX-X policy as XX-X premium is included in XXX payment. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower not using XX-X policy as XX-X premium is included in XXX payment, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Walls in coverage per master XXX not needed - Buyer-XX/XX/XXXX Open-XX-X Insurance Policy is Missing Provide XX-X Insurance Policy it s missing from the service file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved Borrower not using XX-X policy as XX-X premium is included in XXX payment. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower not using XX-X policy as XX-X premium is included in XXX payment, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-XX-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX - XXXXXX XXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 9120744 | N/A | N/A | ||||
| XXXX | XXXX | 305232641 | Closed | 2026-06-22 06:03 | 2026-07-01 10:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud Report provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Fraud Report provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXXX_XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9859210 | N/A | N/A | |||
| XXXX | XXXX | 305232641 | Closed | 2026-06-24 16:28 | 2026-07-01 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide Lease agreement for Unit X to confirm it is not a month to month lease. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lease agreement provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXX_XXXXXXX_XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9923144 | N/A | N/A | |||
| XXXX | XXXX | 305232641 | Closed | 2026-06-22 04:11 | 2026-07-01 10:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is ''. Business Purpose Affidavit is required for a XXXX loan. Business Purpose Affidavit Disclosure Indicator Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXXXX_XXXX_XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9853592 | N/A | N/A | |||
| XXXX | XXXX | 305134993 | Closed | 2026-05-13 12:25 | 2026-05-15 10:21 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Received Chain of Title - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Unsatisfactory Chain of Title provided Missing a XX month Chain of Title - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Satisfactory Chain of Title has been provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Received Chain of Title - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX XXXXX (X).XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9177882 | N/A | N/A | ||||
| XXXX | XXXX | 305215018 | Closed | 2026-05-21 17:18 | 2026-05-28 13:18 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Waived-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Waived-Exception provided for LTV. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited CLTV of XX% exceeds Guideline CLTV of XX% Requirement for P&L income loans. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Waived-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Waived-Exception provided for LTV. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXX XXXXXXXX (X).XXX XXXX_XXXXXXX_XXXX_XXX.XX.XXXX (X).XXXX XXXX XXXXXXX .XXXX |
DTI is XX.XX below maximum DTI of XX. XXX Representative credit score exceeds the minimum required credit score of XXX by XX Points. XX.XX months reserves exceeds the minimum requirement of X months by XX.XX months over the required minimum. Borrower has $XX,XXX residual income after all expenses. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9334246 | Originator Post-Close | Yes | ||
| XXXX | XXXX | CL2026041838 | 305143446 | Closed | 2026-05-22 06:54 | 2026-06-01 16:13 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-XX loan, escrow state. Policy is in force on disbursement date and acceptable. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-XXXX received. Disbursement Date of X/XX/XXXX with an Interest Accrual Date of X/XX/XXXX. However, this is still after the Note Date. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-per the seller teh subject property is in the state of XX. Hazard information insurance can be effective can be effective from date of funding/disbursement recording when borrower officially becomes owner of property , and not by note date - Seller-XX/XX/XXXX Counter-Hazard Insurance Effective Date is X/XX/XXXX, which is after the Note Date of X/XX/XXXX. Disbursement Date does not resolve. Evidence property insure from Note Date X/XX/XX to Effective Date X/XX/XX required. - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXX received to move the Disbursement Date to X/XX/XXXX with the interest accrual date of X/XX/XXXX. Investment Property; not bound by XXXX regulations. - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date is X/XX/XXXX, which is after the Note Date of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-per the seller teh subject property is in the state of XX. Hazard information insurance can be effective can be effective from date of funding/disbursement recording when borrower officially becomes owner of property , and not by note date - Seller-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX |
Resolved-XX loan, escrow state. Policy is in force on disbursement date and acceptable. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-XXXX received. Disbursement Date of X/XX/XXXX with an Interest Accrual Date of X/XX/XXXX. However, this is still after the Note Date. - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXX received to move the Disbursement Date to X/XX/XXXX with the interest accrual date of X/XX/XXXX. Investment Property; not bound by XXXX regulations. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXX XXXX-XXXXXXXXXXX XX (XX).XXX | XXXX | Investment | Purchase | NA | 9343624 | N/A | N/A | ||
| XXXX | XXXX | CL2026050756 | 305143418 | Closed | 2026-05-27 05:27 | 2026-06-03 05:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Primary Housing history considered as X month since loan closed on X/XX per Final XX page #XXX, Hence updated as X. Property profile report and fraud report shows previous recording has no mortgage. Hence property is F&C. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-uploaded X/X - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Provide the property profile report for the primary residence to verify the ownership. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-uploaded X/X - Seller-XX/XX/XXXX |
Resolved-Primary Housing history considered as X month since loan closed on X/XX per Final XX page #XXX, Hence updated as X. Property profile report and fraud report shows previous recording has no mortgage. Hence property is F&C. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXX XXXXXXXX XXXXXXX.XXX | XXXX | Second Home | Purchase | NA | 9389340 | N/A | N/A | ||
| XXXX | XXXX | CL2026050756 | 305143418 | Closed | 2026-05-27 06:29 | 2026-06-02 07:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan approval doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-uploaded X/X - Seller-XX/XX/XXXX Open-Provide Loan Approval for the loan to confirm loan program. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-uploaded X/X - Seller-XX/XX/XXXX |
Resolved-Loan approval doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXX XXXXXXXX.XXX | XXXX | Second Home | Purchase | NA | 9391415 | N/A | N/A | ||
| XXXX | XXXX | TC26050170 | 305232705 | Closed | 2026-05-28 01:44 | 2026-06-09 00:06 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Supplemental Report uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount of $XXX,XXX is less than the loan amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Supplemental Report uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9414357 | N/A | N/A | ||
| XXXX | XXXX | TC26050170 | 305232705 | Closed | 2026-05-28 02:29 | 2026-06-03 23:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide loan approval document as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Loan Approval Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXXXX (XX).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9414772 | N/A | N/A | ||
| XXXX | XXXX | P26040638 | 305232708 | Closed | 2026-05-29 05:46 | 2026-06-09 12:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Uploaded Gap report X/X/XXXX, meets Guidelines. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Uploaded is initial credit report, Guidelines require either Gap report or Undisclosed Debt Monitoring. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded Gap report X/X/XXXX, meets Guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXX (X).XXX XXXXXXXX XXXXXXXXXX XXXX.XXX XXXXXXXX XXXXXXXXXX XXXXXX XXXXXXX.XXX XXXXXXXX XXXXXXXXXX XXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 9445609 | N/A | N/A | ||
| XXXX | XXXX | P26040638 | 305232708 | Closed | 2026-05-29 05:46 | 2026-06-09 12:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Uploaded Borrower Letter of Explanation primary housing payment free. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements The borrower currently has no primary housing expenses, needs a letter of explanation to confirm that borrower is living rent-free. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded Borrower Letter of Explanation primary housing payment free. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX XXXX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9445608 | N/A | N/A | ||
| XXXX | XXXX | P26040638 | 305232708 | Closed | 2026-05-29 07:51 | 2026-06-03 10:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-FSBO Escrow Instructions in lieu of Purchase Contract. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Purchase Contract Doc is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-FSBO Escrow Instructions in lieu of Purchase Contract. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9447403 | N/A | N/A | ||
| XXXX | XXXX | P26040638 | 305232708 | Closed | 2026-06-02 12:38 | 2026-06-03 10:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Fraud Product | Resolved-Uploaded Fraud report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Fraud report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded Fraud report. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX (X).XXX | XXXX | Primary Residence | Purchase | NA | 9508751 | N/A | N/A | ||
| XXXX | XXXX | TA26020702 | 305232706 | Closed | 2026-05-29 03:03 | 2026-06-03 07:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Hazard Insurance Policy Missing HOI policy document in file. Provide policy with sufficient coverage, rent loss if required and effective dates. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXX - XX-X X.XXX XXXXXX XXXXXXXXX XXXXXXXXXXX XXXX XXXXXXXX.XXX XXXXXX XXXXXXXXX - XX-X.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9442502 | N/A | N/A | ||
| XXXX | XXXX | CL2026051588 | 305143403 | Closed | 2026-06-01 13:25 | 2026-06-05 09:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Fraud report has uncleared alerts. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXX XXXXXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9483725 | N/A | N/A | ||
| XXXX | XXXX | CL2026051588 | 305143403 | Closed | 2026-05-29 09:11 | 2026-06-05 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-A personal guaranty was not issued no this loan due to the borrower signing individually and in the entity name on the Note. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Doc is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-A personal guaranty was not issued no this loan due to the borrower signing individually and in the entity name on the Note. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XX XXXX - XXXXXXXX XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9448843 | N/A | N/A | ||
| XXXX | XXXX | CL2026051588 | 305143403 | Closed | 2026-06-01 13:10 | 2026-06-05 09:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Primary address needs to be verified. XX month Primary housing history has not been verified. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXXXXXX XXXXXXXXXXXXX XXX XXXXXXXXXXX XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9483373 | N/A | N/A | ||
| XXXX | XXXX | CL2026051588 | 305143403 | Closed | 2026-05-29 08:57 | 2026-06-04 11:15 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXX,XXX is less than Required Coverage Amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXX XXXXXXXXX - XX-X (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9448535 | N/A | N/A | ||
| XXXX | XXXX | CL2026051357 | 305143408 | Closed | 2026-06-01 04:05 | 2026-06-10 06:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | B1 Verification of Undisclosed Debt Monitoring | Resolved-Gap Report dated no more than XX calendar days prior to note date provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-UDM Attached - Seller-XX/XX/XXXX Open-Borrower X Missing Verification of Undisclosed Debt Monitoring (UDM) Provide Evidence of Undisclosed Debt Monitoring (UDM) for borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-UDM Attached - Seller-XX/XX/XXXX |
Resolved-Gap Report dated no more than XX calendar days prior to note date provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXX !.XXX XXXXX_XXXXXX-XXXXXXX_XXX X.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9471627 | N/A | N/A | ||
| XXXX | XXXX | 305232707 | Closed | 2026-06-03 11:47 | 2026-06-11 09:26 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-If you continue reading, it says if both scores are provided, which both are, they both need to be X.X or less. CU is X.X so these don't work. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Direct from GL - The Seller may submit the appraisal report to Collateral Underwriter® (CU®) or Loan Collateral Advisor® (LCA). An eligible score is X.X or less. The file must include a copy of the Submission Summary Report(SSR). (Only one score required, if both scores (CU & LCA) provided, both required to be X.X or less). If the score exceeds X.X, the file must include either an enhanced desk review, AVM, field review, or second appraisal. Since both were provided, they both must be X.X or less. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Don't need CDA since one shows X.X or less - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Don't need CDA since one shows X.X or less - Seller-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXX XXX - X.X.XXX XXX XXX - X.X.XXX XXX - XXX.XXX XX XXXX XXX XX XXXXX XXX XXX XXX XXX.XXX |
XXXX | Primary Residence | Purchase | NA | 9535220 | N/A | N/A | |||
| XXXX | XXXX | 305232707 | Closed | 2026-06-03 11:37 | 2026-06-10 09:43 | Resolved | 1 - Information | C | A | Credit | Credit | Borrower 1 spouse has not approved transaction | Resolved-Interspousal transfer deed provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XX is a community property state which would require spousal consent on a primary residence or interspousal deed to be provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Hello, this is a PR purchase, cob is not required to sign approval - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Hello, this is a PR purchase, cob is not required to sign approval - Seller-XX/XX/XXXX |
Resolved-Interspousal transfer deed provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXX XXX XXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9534995 | N/A | N/A | |||
| XXXX | XXXX | 305232707 | Closed | 2026-06-03 11:36 | 2026-06-08 11:00 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Updated XXXX provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The final XXXX declarations was marked that the borrower has applied for a mortgage on another property AND marked this property will be subject to a lien. Please provide documentation for both of these to clarify. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated XXXX provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9534982 | N/A | N/A | |||
| XXXX | XXXX | 305232722 | Closed | 2026-06-12 15:32 | 2026-06-16 07:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Final settlement statement was provided reflecting the deposit of $XX,XXX. Finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. The HUD statement in the file is not reflecting the $XX,XXX deposit. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final settlement statement was provided reflecting the deposit of $XX,XXX. Finding has been resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 9726537 | N/A | N/A | |||
| XXXX | XXXX | 305232722 | Closed | 2026-06-11 00:41 | 2026-06-16 01:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Purchase Contract Doc is Missing in the file however Contract of sale addendum is present - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Purchase Contract uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 9676665 | N/A | N/A | |||
| XXXX | XXXX | 305141333 | Closed | 2026-06-11 05:07 | 2026-07-09 14:31 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. XXX and the Final Closing disclosure on Pg. XXX reflects escrows. Rate lock date was entered correctly – see Pg.XXX. An interior and exterior appraisal was completed for this property – see Pg. XX , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. XXX for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. XXX and the Final Closing disclosure on Pg. XXX reflects escrows. Rate lock date was entered correctly – see Pg.XXX. An interior and exterior appraisal was completed for this property – see Pg. XX , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. XXX for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s MISSING, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan does not meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. XXX and the Final Closing disclosure on Pg. XXX reflects escrows. Rate lock date was entered correctly – see Pg.XXX. An interior and exterior appraisal was completed for this property – see Pg. XX , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. XXX for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. XXX and the Final Closing disclosure on Pg. XXX reflects escrows. Rate lock date was entered correctly – see Pg.XXX. An interior and exterior appraisal was completed for this property – see Pg. XX , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. XXX for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | Cash Out - Other | 9678453 | N/A | N/A | |||||
| XXXX | XXXX | 305141333 | Closed | 2026-06-11 05:07 | 2026-07-07 19:02 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX Counter-The initial CD is missing. If both the initial and final CD are dated X/XX, this results in a valid failure due to the mandatory X-day waiting period. - Due Diligence Vendor-XX/XX/XXXX Open-. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The Initial Closing Disclosure was provided on (XXXX-XX-XX) via (Other). 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 (XXXX-XX-XX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XXXX-XX-XX), 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 (XXXXXXXX), for consummation to occur on (XXXX-XX-XX). (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) Initial CD provided, However it was unsigned. Provide e-sign disclosure doc or disclosure tracking summary doc. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX |
Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX X.XX.XX.XXX XXXXXXX XXXXXXXXXX - XXXXXX.XXX XX X.XX.XX.XXX XXXXXXXXXXXX.XXX |
XXXX | Primary Residence | Purchase | Cash Out - Other | 9678454 | N/A | N/A | |||
| XXXX | XXXX | 305141333 | Closed | 2026-06-11 05:07 | 2026-07-07 19:02 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX Counter-The COC in the file is dated X/XX; however, there is no corresponding re-disclosure document included in the file other than the X/XX CD. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Pleawse review upload - Seller-XX/XX/XXXX Open-Discount points increased at initial CD without valid COC or rate lock confirmation in file. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Pleawse review upload - Seller-XX/XX/XXXX |
Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX X.XX.XX.XXX XXXXXXX XXXXXXXXXX - XXXXXX.XXX XX X.XX.XX.XXX XXX.XXX XXXXXXXXXXXX.XXX |
XXXX | Primary Residence | Purchase | Cash Out - Other | 9678457 | N/A | N/A | |||
| XXXX | XXXX | 305141333 | Closed | 2026-06-01 04:34 | 2026-06-11 15:57 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Client provided intent to proceed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX |
Resolved-Client provided intent to proceed. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX.XXX | XXXX | Primary Residence | Purchase | Cash Out - Other | 9471782 | N/A | N/A | |||
| XXXX | XXXX | 305141333 | Closed | 2026-06-01 04:33 | 2026-06-11 15:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Lender provided initial CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender provided initial CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX X.XX.XX.XXX | XXXX | Primary Residence | Purchase | Cash Out - Other | 9471779 | N/A | N/A | ||||
| XXXX | XXXX | 305141333 | Closed | 2026-06-01 04:35 | 2026-06-11 01:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Homeownership Counseling Disclosure uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_ XXXX XXXXXXXXX XXXXXXXXXX XXXX.XXX | XXXX | Primary Residence | Purchase | Cash Out - Other | 9471790 | N/A | N/A | |||
| XXXX | XXXX | 305141333 | Closed | 2026-06-01 02:16 | 2026-06-10 04:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Requested additional assets provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) There is a shortage of -$XX,XXX.XX assets require assets to qualify the loan - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX |
Resolved-Requested additional assets provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX | XXXX | Primary Residence | Purchase | Cash Out - Other | 9470752 | N/A | N/A | |||
| XXXX | XXXX | W26030123 | 305232704 | Closed | 2026-07-07 10:47 | 2026-07-07 10:49 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV. | Waived-Exception Approved XX% LTV on P&L Only. - Due Diligence Vendor-XX/XX/XXXX Waived-Audited LTV of XX% exceeds Guideline LTV of XX% . - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Approved XX% LTV on P&L Only. - Due Diligence Vendor-XX/XX/XXXX Waived-Audited LTV of XX% exceeds Guideline LTV of XX% . - Due Diligence Vendor-XX/XX/XXXX |
XX.X% DTI is below the maximum XX% DTI by X.X%. XXX Representative credit score exceeds the minimum required of XXX by XX points. |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10095932 | Investor Post-Close | No | |||
| XXXX | XXXX | W26030123 | 305232704 | Closed | 2026-06-05 13:17 | 2026-07-07 10:33 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Uploaded Verification of Mortgage states no monthly payments required, mortgage released. Notice of Default X/X/XXXX aged XX+ months. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Uploaded Verification of Mortgage Section "No of late payments" & "Satisfactory account" are blank. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Uploaded Final Title policy doesn't show Title Commitment Requirement #X Mortgage Recorded XX/XX/XXXX for $XX,XXX. However mortgage payment history is not documented. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-We provided a copy of the Final Title policy and #X is no longer on Title - Seller-XX/XX/XXXX Counter-Per Title Commitment requirement #X Second Mortgage X/XX/XXXX (as typed), Recorded XX/XX/XXXX for $XX,XXX. Missing payment history documentation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Documentation missing from Uploaded: Title Commitment requirement #X Second Mortgage Originated X/XX/XXXX for $XX,XXX. Missing documentation payment history and monthly payment #X and Subordination Agreement OR payment history and monthly payment (if applicable) and Release of mortgage, must meet Guidelines. Regarding Notice of Default. Borrower Quitclaim to property XX/X/XXXX, Notice of Default X/X/XXXX which is XX+ months aged. A quitclaim deed transfers whatever ownership interest the grantor currently holds in a property to the grantee. This means the grantee takes the property “as is,” inheriting any liens, unpaid taxes, or other claims. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property Title Issue . Page XXX property report shows Notice of Default X/X/XXXX. However Page XXX property report does not show Notice of Default. Please provide documentation to clarify discrepancy. Borrower Purchased/Transfer Deed property XX/X/XXXX. Subject Transaction CD shows Xst Mortgage CD paid thru closing was Originated X/X/XXXX. Missing satisfactory payment history for cured default (if NOD valid) from XX/XXXX - X/X/XXXX. Guidelines Page XX NOD considered a XxXXxXX under housing history restrictions, ineligible. Title Commitment requirement #X Second Mortgage. Missing documentation payment history and monthly payment #X and Subordination Agreement OR payment history and monthly payment (if applicable) and Release of mortgage. Pending Exception Approval. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-We provided a copy of the Final Title policy and #X is no longer on Title - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded Verification of Mortgage states no monthly payments required, mortgage released. Notice of Default X/X/XXXX aged XX+ months. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXX XXX.XXX XXXXXXX XXXXX XXXX XXXXX.XXX XXXXXXX XXXXXXXXX XXXXXXXX XX XXX XXXXXXX.XXX XXXXX XXXXX XXXXXX.XXX XXX XXX XXX.XXX XXXXXXXXX XXXX.XXX XX XXXX X - XXX.XXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9585930 | N/A | N/A | ||
| XXXX | XXXX | W26030123 | 305232704 | Closed | 2026-06-02 01:32 | 2026-06-09 12:14 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Approved XX% LTV on P&L Only. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV Matrix P&L Income Maximum LTV/CLTV XX%. Pending Exception Approval. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Exception Approved XX% LTV on P&L Only. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXX XXXXXXXX.XXX | XX.X% DTI is below the maximum XX% DTI by X.X%. XXX Representative credit score exceeds the minimum required of XXX by XX points. |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9492884 | Investor Post-Close | No | |
| XXXX | XXXX | W26030123 | 305232704 | Closed | 2026-06-01 23:40 | 2026-06-09 00:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-As per the matrix, We only require X month reserves for loan amount, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. our guidelines require only X months - Seller-XX/XX/XXXX Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Provide additional assets for required X months post close reserves. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. our guidelines require only X months - Seller-XX/XX/XXXX |
Resolved-As per the matrix, We only require X month reserves for loan amount, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXXXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9492348 | N/A | N/A | ||
| XXXX | XXXX | W26030123 | 305232704 | Closed | 2026-06-02 01:31 | 2026-07-07 10:45 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-As is a XXXXXXXXXX XXXXXX-XXXXXX Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’XX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX XXXXXX-XXXXXX Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’XX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This is a XXXXXXXXXX XXXXXX-XXXXXX Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’XX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX XXXXXX-XXXXXX Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’XX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9492880 | N/A | N/A | ||||
| XXXX | XXXX | W26030123 | 305232704 | Closed | 2026-06-02 01:31 | 2026-07-07 10:45 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’XX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’XX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’XX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’XX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9492878 | N/A | N/A | ||||
| XXXX | XXXX | W26040782 | 305232709 | Closed | 2026-06-02 09:18 | 2026-06-09 10:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business Narrative received; - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower self-employed business narrative from is missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Business Narrative received; - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9501551 | N/A | N/A | ||
| XXXX | XXXX | W26040782 | 305232709 | Closed | 2026-06-02 09:16 | 2026-06-09 10:05 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Missing asset documentation (ATR) | Resolved-Proper documentation received; finding resolved; - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. transferred the funds internally copy of the Disbursement Summary - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing proof of asset documents for XXXXX acct#XXXX which is listed on final XXXX and as per pg#XXX borrower is getting $XXX,XXX as equity distribution which is adjusted in payoff on Final CD, but no proof of documents available to verify that funds has been sent closing or received by borrower. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. transferred the funds internally copy of the Disbursement Summary - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Proper documentation received; finding resolved; - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX (X).XXX XX-XXXXXX XXXXXXXXXXXXX XXXXXXX XXXXXX - XXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9501501 | N/A | N/A | ||
| XXXX | XXXX | W26040782 | 305232709 | Closed | 2026-06-02 09:46 | 2026-06-09 00:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX Document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. The monthly HOI on XXXX is showing $XXX.XX, whereas per documents it is $XXX.XX, due to the calculated DTI showing difference. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated XXXX Document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXXX XXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9502041 | N/A | N/A | ||
| XXXX | XXXX | SC26040398 | 305232689 | Closed | 2026-06-02 00:25 | 2026-06-05 08:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-A personal guaranty was not issued on this loan due to the borrower signing individually and in the entity on the Note. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Provide Guaranty Agreement Doc as it is Missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-A personal guaranty was not issued on this loan due to the borrower signing individually and in the entity on the Note. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XX XXXX - XXXXXXXX XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9492493 | N/A | N/A | ||
| XXXX | XXXX | W26040777 | 305232688 | Closed | 2026-06-03 04:43 | 2026-06-10 08:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Qualifying LTV is XX.XX% but the XXXX Page Qualifying LTV is XX.XXX% due appraisal value as per the XXXX document is $XXX,XXX as per the appraisal Value is $XXXXXX provide the updated XXXX document with appraisal value of $XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9521791 | N/A | N/A | ||
| XXXX | XXXX | W26040777 | 305232688 | Closed | 2026-06-03 04:59 | 2026-06-09 01:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Initial XXXX is missing for Borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial XXXX Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9521891 | N/A | N/A | ||
| XXXX | XXXX | MB26040786 | 305232681 | Closed | 2026-06-08 10:52 | 2026-06-18 11:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Provided documentation for concurrent loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The mortgage documentation for the concurrent loans (XXXXXXXXXXX) for the property at XXXX XXXXXXXXX, for XXXXXXXXXXX for the property at XXXXX XXXXXXXXX XX, for XXXXXXXXXX for the property at XXXX XXXXXXXXX. The mortgage payment needs to be verified that it was the amount used in the approval. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-what documentation for those properties do you need? please be specific - Seller-XX/XX/XXXX Open-Missing concurrent loan documentation (XXXXXXXXXXX) for the property at XXXX XXXXXXXXX, for XXXXXXXXXXX for the property at XXXXX XXXXXXXXX XX, for XXXXXXXXXX for the property at XXXX XXXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-what documentation for those properties do you need? please be specific - Seller-XX/XX/XXXX |
Resolved-Provided documentation for concurrent loan. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXX XXX XXXXXX XXX XXXXXXXXXX.XXX XXXXXX XXX XXX XXXXXX XXX XXXXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9606117 | N/A | N/A | ||
| XXXX | XXXX | MB26040786 | 305232681 | Closed | 2026-06-08 08:28 | 2026-06-11 07:33 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title with coverage reflected was provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount The title policy in the file does not reflect the coverage amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title with coverage reflected was provided. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX XXXX XXXXXX XX XXXXX XXX (X-X-XX)(X)-XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9602748 | N/A | N/A | ||
| XXXX | XXXX | MB26040786 | 305232681 | Closed | 2026-06-08 10:53 | 2026-06-08 12:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Business Bank Statements Missing Unable to locate the bank statement for the month of April XXXX with total deposits of $X,XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9606140 | N/A | N/A | ||||
| XXXX | XXXX | MB26040788 | 305232682 | Closed | 2026-06-03 05:49 | 2026-06-10 07:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Primary Mortgage History considered X months per supplement credit report and previous lender mortgage statement with X months payments provided. Hence considered XX months housing history - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Hello, Here is the credit supplement showing the current mortgage with NR/SMS/CAL is rated for X months and mortgage statements for the prior Lender covering X months. XX months total. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary Mortgage History actual X months per CBR but unable to verify XX months housing history. provide XX month housing history - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Hello, Here is the credit supplement showing the current mortgage with NR/SMS/CAL is rated for X months and mortgage statements for the prior Lender covering X months. XX months total. - Seller-XX/XX/XXXX |
Resolved-Primary Mortgage History considered X months per supplement credit report and previous lender mortgage statement with X months payments provided. Hence considered XX months housing history - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXX.XXX XXXXXXXX XXXXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9523700 | N/A | N/A | ||
| XXXX | XXXX | W26040020 | 305232678 | Closed | 2026-06-05 09:47 | 2026-06-30 00:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-XX Months Rent Payment History provided, Housing History Meets XXXXXXXXX Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Provide VOR document to verify the rent history - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XX Months Rent Payment History provided, Housing History Meets XXXXXXXXX Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX.XXX XXXXX XXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 9578226 | N/A | N/A | ||
| XXXX | XXXX | W26040020 | 305232678 | Closed | 2026-06-09 12:21 | 2026-06-22 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Hazard information provided has already been reviewed. Please provide the policy with Public Insurance as reflected on the final closing documents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The additional coverage with Public Insurance is missing from the loan file. Please provide. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX.XXX XX XXXXX XX XXXXXXXXX.XXX XXXXXXXXX XXXXXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 9631697 | N/A | N/A | ||
| XXXX | XXXX | W26040020 | 305232678 | Closed | 2026-06-09 11:49 | 2026-06-12 09:46 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualifications do not meet requirements | Resolved-Assets provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Asset Qualification Does Not Meet XXXXXXXXX Requirements Thirty days of assets verification is missing from the loan file for the accounts ending in XXXX with XXXX and XXXX with XXXX. Verification is required to support the wire transfers to escrow documented on pages XXX-XXX and XXX-XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Assets provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9630424 | N/A | N/A | ||
| XXXX | XXXX | W26040020 | 305232678 | Closed | 2026-06-05 09:57 | 2026-06-12 07:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Requested XX months banks statements provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Business Bank Statements Missing Borrower X Business Bank Statements to support the income with XXXXXX and XXXXXXXXXX XXX XXXXXX XXX are missing from the loan file. Please provide XX months business bank statements for each business support the income being used for qualification. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested XX months banks statements provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9578386 | N/A | N/A | ||
| XXXX | XXXX | W26040020 | 305232678 | Closed | 2026-06-05 09:54 | 2026-06-12 05:55 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation CDA with Moderate risk provided, updated & conditions resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing from the loan file. Please provide. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested secondary valuation CDA with Moderate risk provided, updated & conditions resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXX _ XXX XXX XXX XXXXX_.XXX XXXX _ XXX XXX XXX XXXXX.XXX XXXXXXXXXX XXXXXXX XXXXXXXX (X).XXX |
XXXX | Primary Residence | Purchase | NA | 9578352 | N/A | N/A | ||
| XXXX | XXXX | 305232535 | Closed | 2026-06-08 15:21 | 2026-06-22 11:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Credit Score not updated and Qualifying Rate of X.XXX doesn't match the Note Rate of X.XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Per Guidelines: Qualifying Foreign Credit - For Foreign National Borrowers without Qualifying U.S. Credit, qualify and price at XXX FICO when determining eligibility and pricing per rate sheet. ----- Final XXXX Qualifying Credit Score to be updated. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX XXXX.XXX |
XXXX | Investment | Purchase | NA | 9614362 | N/A | N/A | |||
| XXXX | XXXX | 305232535 | Closed | 2026-06-08 15:37 | 2026-06-22 11:09 | Resolved | 1 - Information | C | A | Credit | Credit | Appraisal deficiency. | Resolved-Appraisal correction received - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Appraisal to be corrected - in the Project Information section at the bottom of page X of X of the report, it states the Primary Occupancy of the subject will be a Primary Residence - this is not allowed per guidelines for Foreign National borrowers - appraisal to be corrected to match transaction type. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Appraisal correction received - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX(XXXXXXXXXXXXX)-XX.XXX | XXXX | Investment | Purchase | NA | 9614864 | N/A | N/A | |||
| XXXX | XXXX | 305232535 | Closed | 2026-06-08 15:50 | 2026-06-16 09:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. borrower is foreign national UW to XXXXX see snippet attached - Seller-XX/XX/XXXX Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Copy of the borrower’s valid and unexpired visa (including photograph) OR an I-XXX form with valid extension dates and I-XX (VISA provided in the loan file is not a valid VISA - it's a border crossing Visa) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. borrower is foreign national UW to XXXXX see snippet attached - Seller-XX/XX/XXXX |
Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Purchase | NA | 9615282 | N/A | N/A | |||
| XXXX | XXXX | W26050242 | 305232686 | Closed | 2026-06-05 03:03 | 2026-06-17 23:49 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount Title coverage amount of $XXXXXXX is less than loan amount. Please provide documentation to support sufficient coverage at or above the loan amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXX XXXX XXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9572708 | N/A | N/A | ||
| XXXX | XXXX | TA26040140 | 305232679 | Closed | 2026-06-04 05:01 | 2026-06-11 00:08 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Loan Approval document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Lender Approval Form is missing from the loan file. Please provide. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Loan Approval document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9548946 | N/A | N/A | ||
| XXXX | XXXX | TA26040575 | 305232691 | Closed | 2026-06-04 01:57 | 2026-06-16 09:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Guaranty Agreement Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Provide Guaranty Agreement for both borrowers as it is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Guaranty Agreement Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9547817 | N/A | N/A | ||
| XXXX | XXXX | TA26040575 | 305232691 | Closed | 2026-06-04 03:28 | 2026-06-11 00:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide loan approval document as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Loan Approval document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9548486 | N/A | N/A | ||
| XXXX | XXXX | 305135293 | Closed | 2026-06-05 00:08 | 2026-07-14 12:51 | Resolved | 1 - Information | B | A | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Resolved-Document uploaded and reviewed. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-re-executed Note - LLC. Original being overnighted to Computershare - Due Diligence Vendor-XX/XX/XXXX Open-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. prepayment penalties Updated as per Note document. Business is a LLC entity. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Document uploaded and reviewed. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9571524 | N/A | N/A | ||||
| XXXX | XXXX | W26040477 | 305232690 | Closed | 2026-06-05 00:33 | 2026-06-12 05:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report Third Party Fraud Report is missing from the loan file. Please provide. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9571620 | N/A | N/A | ||
| XXXX | XXXX | 305232794 | Closed | 2026-06-10 09:26 | 2026-06-17 13:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Counter-Per the Final XXXX, the borrower is residing at XXXX X XXXXXX XXXXX XX with no primary housing expense; however, there is no letter in the file from the borrower stating as such. Please provide the letter from the borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Current Rent History - Borrower is currently living rent free, rent free letter is missing to verify. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXXXXX.XXX XXXXXXXXX_XXXXXXXXX XXX.XXX |
XXXX | Investment | Purchase | NA | 9653270 | N/A | N/A | ||||
| XXXX | XXXX | 305232789 | Closed | 2026-06-10 02:42 | 2026-07-24 11:21 | Resolved | 1 - Information | C | A | Compliance | Closing | Note Does Not Indicate a Prepayment Penalty but CD Indicates a Prepayment Penalty | Resolved-PPP Received and updated - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Note Does Not Indicate a Prepayment Penalty but XX Indicates a Prepayment Penalty Note and the Deed of Trust do not indicate a prepayment penalty; However, the Final XX reflects there is a prepayment penalty. Please provide the prepayment penalty addendum and rider or an updated Final XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-PPP Received and updated - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXX XXXXXXXX XX XXX XXXX XXXXXXXXX.XXX XXXXXXXXX XXX XXXXX XXXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9647093 | N/A | N/A | ||||
| XXXX | XXXX | 305232789 | Closed | 2026-06-10 01:23 | 2026-06-22 10:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-$XXX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum. DSCR ratio of X.XX exceeds the minimum requirement of X by X.XX points. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements X months of housing history was verified for the primary mortgage; however, XX months are required per guidelines. Please provide VOM. - Due Diligence Vendor-XX/XX/XXXX |
Waived-$XXX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum. DSCR ratio of X.XX exceeds the minimum requirement of X by X.XX points. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX XXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9646410 | Investor Post-Close | No | ||||
| XXXX | XXXX | MB26040789 | 305232684 | Closed | 2026-06-05 07:16 | 2026-06-17 09:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-XXXX still reflects the incorrect income amount on the document provided. Please provide the updated XXXX to reflect the correct income amount. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. XXXX and INCOME CALCULATION worksheet shows income of $ XXX,XXX.XX whereas XXXX shows XXX,XXX.XX provide updated XXXX with correct income . - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXXXX XXXX.XXX XXXXXXX XXXXX XXXX X XXXXXXX XXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9576092 | N/A | N/A | ||
| XXXX | XXXX | MB26040789 | 305232684 | Closed | 2026-06-10 15:24 | 2026-06-15 09:35 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount. | Waived-Exception provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited Loan Amount of $XXXXXXX is greater than the XXXXXXXXX Maximum Loan Amount of $XXXXXXX Per the Diamond Full and Alt Doc matrix dated XX/XX/XXXX, for investment properties, the maximum loan amount is $X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Exception provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXX XXXXXXXX XXX XX XX $X XXX.XXX | XX.XX% LTV is below the maximum XX% by XX.XX%. XX.XX% DTI is below the maximum DTI by X.XX%. Borrower has $XXX,XXX residual income after all expenses. | XXXX | Investment | Refinance | Cash Out - Other | 9667573 | Originator Pre-Close | Yes | |
| XXXX | XXXX | TA26020811 | 305232614 | Closed | 2026-06-08 04:20 | 2026-06-16 10:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Corrected XXXX provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. My apoligies - See revised / showing on pg XX now. thank you - Seller-XX/XX/XXXX Counter-The XXXX provided still does not reflect the self-employment or ownership for the company XXXX XXXXX XXX, XXX XXX XXXXXXXX. Please provide. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-On Final XXXX for XXXX XXXXX XXXX XXX XXX XXXXXXXX employment, borrower Self-employment check and % of ownership are missing. Please correct final XXXX to reflect as self-employed for XXXX XXXXX XXX XXX XXX XXXXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. My apoligies - See revised / showing on pg XX now. thank you - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Corrected XXXX provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX X XXXX XXXXXXXX.XXX XXXXX XXXX X XX XXX XXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9598338 | N/A | N/A | ||
| XXXX | XXXX | TA26020811 | 305232614 | Closed | 2026-06-08 01:52 | 2026-06-15 09:47 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Hello, See HOI page XX showing RC verbiage - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard insurance documentation in file on page XXX does not meet minimum coverage requirements. Please provide documentation to support sufficient hazard coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Hello, See HOI page XX showing RC verbiage - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXX XXXX XX XXX XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9597375 | N/A | N/A | ||
| XXXX | XXXX | W26040198 | 305232685 | Closed | 2026-06-08 09:46 | 2026-07-01 11:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Uploaded XXXXXX XXXXX xxXXXX XXXXXXX XXXX statement. - Due Diligence Vendor-XX/XX/XXXX Resolved-Jan XXXX Business Bank Account Statement #XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Business Bank Statements Missing Missing business bank statement from XXXXXX XXXXX acct#XXXX, for XXXXXXX XXXX to include in income calculation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded XXXXXX XXXXX xxXXXX XXXXXXX XXXX statement. - Due Diligence Vendor-XX/XX/XXXX Resolved-Jan XXXX Business Bank Account Statement #XXXX uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXX XXX XX XXXX XXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9604328 | N/A | N/A | ||
| XXXX | XXXX | W26040198 | 305232685 | Closed | 2026-06-12 17:29 | 2026-07-01 10:48 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Uploaded XXX XXXX xxXXXX transfer from XXXXXX XXXXXXXXX XXXXXXXX xxXXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Page XXX Credit report shows XXX XXXX mortgage xxXXXX however XXXX does not show secured property. Please clarify, update XXXX and XXXX if applicable. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded XXX XXXX xxXXXX transfer from XXXXXX XXXXXXXXX XXXXXXXX xxXXXX. - Due Diligence Vendor-XX/XX/XXXX |
XX XXXX XXX XXXXXXXX XXXXXXXX XX XX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9729406 | N/A | N/A | ||
| XXXX | XXXX | W26040198 | 305232685 | Closed | 2026-06-08 10:00 | 2026-07-01 10:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing HOA Fee Statement | Resolved-Uploaded XXXX Homeowners Association Dues $XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Latest HOA Fee Assessment not provided required for PITIA calculation On appraisal pg#XX the HOA fee is $XXX and on pg#XX of appraisal the HOA fee is $XXX, whereas XXXX is showing $XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded XXXX Homeowners Association Dues $XXX. - Due Diligence Vendor-XX/XX/XXXX |
XX XXXX XXX XXX XXX _XXX XXXX & XXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9604774 | N/A | N/A | ||
| XXXX | XXXX | TA26030709 | 305232680 | Closed | 2026-06-15 14:18 | 2026-06-17 12:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Uploaded missing mortgage payments X/XXXX-X/XXXX for Private Note total $X,XXX (Two Note Holders, $XXX and $XXX payments). - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXX Requirements Page XXX Note First Payment Due X/X/XXXX. Page XXX payment history starts X/X/XXXX. Missing prior mortgage payment history for complete XX months history. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded missing mortgage payments X/XXXX-X/XXXX for Private Note total $X,XXX (Two Note Holders, $XXX and $XXX payments). - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX XX XXXXXXXX.XXX XXXXXXXXXXXX XX XXXXXXXX (X).XXX XXXXXXXXXXXX XX XXXXXXXX (X).XXX XXXXXXXXXXXX XX XXXXXXXX (X).XXX XXXXXXXXXXXX XX XXXXXXXX (X).XXX XXXXXXXXXXXX XX XXXXXXXX (X).XXX XXXXXXXXXXXX XX XXXXXXXX (X).XXX XXXXXXXXXXXX XX XXXXXXXX (X).XXX XXXXXXXXXXXX XX XXXXXXXX (X).XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9751329 | N/A | N/A | ||
| XXXX | XXXX | TA26030709 | 305232680 | Closed | 2026-06-11 00:59 | 2026-06-17 12:11 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX,XXX ’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX,XXX ’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX,XXX ’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX,XXX ’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9676772 | N/A | N/A | ||||
| XXXX | XXXX | TA26030709 | 305232680 | Closed | 2026-06-11 00:59 | 2026-06-17 12:10 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX,XXX ’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX,XXX ’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX,XXX ’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX, An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX,XXX,XXX ’ in file and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX,XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9676771 | N/A | N/A | ||||
| XXXX | XXXX | CL2026050912 | 305167892 | Closed | 2026-06-17 14:17 | 2026-06-26 16:16 | Waived | 2 - Non-Material | C | B | Property | Property | Flip or Rapid Resale of Property | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see exception attached. - Seller-XX/XX/XXXX Open-please waive as it meets the clients GL - Buyer-XX/XX/XXXX Open-Missing exception-Loan does not meet GL's for the exception for sales price increase more than the XX%/XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please see exception attached. - Seller-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXXX XXXXXXXXX.XXX | Audited DTI of XX.XX% is less than XX% maximum XXX.X months verified reserves is greater than X months minimum requirement |
XXXX | Investment | Purchase | NA | 9796806 | Originator Post-Close | Yes | |
| XXXX | XXXX | CL2026050912 | 305167892 | Closed | 2026-06-11 09:44 | 2026-06-25 12:51 | Waived | 2 - Non-Material | D | B | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Waived-Document Uploaded. Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX Escalated-Second Appraisal/ Valuation is Missing Missing second appraisal. Previous purchase date XX/XX/XXXX- contract date XX/XX/XXXX (XXX days). Purchase price was $XXX,XXX sale price now is XXX,XXX which is greater than XX%. Per guidelines a second appraisal is required for a flip. - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Second Appraisal/ Valuation is Missing Missing second appraisal. Previous purchase date XX/XX/XXXX- contract date XX/XX/XXXX (XXX days). Purchase price was $XXX,XXX sale price now is XXX,XXX which is greater than XX%. Per guidelines a second appraisal is required for a flip. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Waived-Document Uploaded. Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXXX XXXXXXXXX XXXXXXXX.XXX XXXXXXXXXXXX XXXXX XXXXXX.XXX |
XXX Representative credit score exceeds the minimum required of XXX by XX points XX.XX% DTI is below the maximum XX% DTI by XX.XX%. $XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by XX months over the required minimum. |
XXXX | Investment | Purchase | NA | 9686559 | Investor Post-Close | No | |
| XXXX | XXXX | CL2026050912 | 305167892 | Closed | 2026-06-11 09:07 | 2026-06-17 06:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Conditional underwriter approval provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Missing conditional underwriter approval. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Conditional underwriter approval provided, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXXX XXXX XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 9685566 | N/A | N/A | ||
| XXXX | XXXX | 305232710 | Closed | 2026-06-11 05:14 | 2026-06-22 03:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXX document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. In XXXX we have appraisal value is $X,XXX,XXX however in appraisal on page XX we have $X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXX document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9678492 | N/A | N/A | |||
| XXXX | XXXX | 305232710 | Closed | 2026-06-11 06:39 | 2026-06-22 00:59 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing borrower SSN/ Current address and citizenship in XXXX document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Final XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9681551 | N/A | N/A | |||
| XXXX | XXXX | W26040771 | 305232605 | Closed | 2026-06-15 13:08 | 2026-06-22 10:42 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-New auto added to liabilities. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Gap credit report shows multiple inquiries past original credit date of XX/XX. Missing LOE for additional inquiries. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-New auto added to liabilities. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9749836 | N/A | N/A | ||
| XXXX | XXXX | W26040771 | 305232605 | Closed | 2026-06-10 23:45 | 2026-06-18 02:45 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9676452 | N/A | N/A | ||
| XXXX | XXXX | 305232698 | Closed | 2026-06-10 06:25 | 2026-06-22 03:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. XXXX missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXXX document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9650466 | N/A | N/A | |||
| XXXX | XXXX | 305232698 | Closed | 2026-06-10 08:04 | 2026-06-22 01:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Addendum to XXXX uploaded, Lender verifies this is true and accurate at time of underwrite and closing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provided final XXXX for B is not showing REO information - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Addendum to XXXX uploaded, Lender verifies this is true and accurate at time of underwrite and closing - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9652013 | N/A | N/A | |||
| XXXX | XXXX | W26050526 | 305232615 | Closed | 2026-06-12 12:57 | 2026-06-22 07:50 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' Validation Resolved as operating agreement was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. The operating agreement provided for XXXXXX XXXXXXXXXXX was not signed by all parties. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' Validation Resolved as operating agreement was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXXX, XXX [XXXXXXXXX XXXXXXXXX].XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9722723 | N/A | N/A | ||
| XXXX | XXXX | W26050211 | 305232604 | Closed | 2026-06-18 04:35 | 2026-06-22 10:44 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Impounds on loan so HPML is allowed. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Hello, File is HPML - File as impounds which allows HPLM. Please re-review file - Seller-XX/XX/XXXX Open-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Hello, File is HPML - File as impounds which allows HPLM. Please re-review file - Seller-XX/XX/XXXX |
Resolved-Impounds on loan so HPML is allowed. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 9811035 | N/A | N/A | |||
| XXXX | XXXX | W26050211 | 305232604 | Closed | 2026-06-18 04:35 | 2026-06-22 10:43 | Resolved | 1 - Information | C | A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Non-QM loan - Due Diligence Vendor-XX/XX/XXXX Ready for Review-hello, Transaction is Non-QM - X% does not apply to this transaction - Seller-XX/XX/XXXX Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (XX CFR XXXX.XX(e)(X). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-hello, Transaction is Non-QM - X% does not apply to this transaction - Seller-XX/XX/XXXX |
Resolved-Non-QM loan - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 9811036 | N/A | N/A | |||
| XXXX | XXXX | W26050211 | 305232604 | Closed | 2026-06-11 06:53 | 2026-06-18 10:31 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial CD provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXXX XXXXXXX - XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9681748 | N/A | N/A | ||
| XXXX | XXXX | W26050211 | 305232604 | Closed | 2026-06-11 06:52 | 2026-06-17 07:11 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Loan Estimate uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Initial Loan Estimate is misisng. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial Loan Estimate uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX XXXXXXX - XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9681744 | N/A | N/A | ||
| XXXX | XXXX | W26050211 | 305232604 | Closed | 2026-06-11 04:33 | 2026-06-16 23:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX - XXXXXXXXXXXX XXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9678276 | N/A | N/A | ||
| XXXX | XXXX | TA26050280 | 305232608 | Closed | 2026-06-10 06:15 | 2026-06-23 09:56 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The documentation provided has been reviewed. The documentation required is the COC for the increase of lender credit to $XX.XX. Please provide the COC for this change. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. provided cure at closing - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Lender credits Increased from $X (initial LE) to $XX.XX (Initial CD). Provide COC - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. provided cure at closing - Seller-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX _ XXX XXXXXX.XXX XXX - XXXXXX XXXXXXX XXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 9650354 | N/A | N/A | ||
| XXXX | XXXX | TA26050280 | 305232608 | Closed | 2026-06-10 05:53 | 2026-06-22 09:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The information required is for the verification for housing at XXXX XXXXXXXXX XXXX XX. No LOX in file to support rent free living. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Borrower is living in current address with no primary housing expense from last X month, however no LOX is provided & prior XX months rental history verified. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXXXX.XXX XXX XXXXXX XXXX XXXX.XXX XXX XXXXXX XXXX XXXX X.XXX |
XXXX | Primary Residence | Purchase | NA | 9650108 | N/A | N/A | ||
| XXXX | XXXX | TA26050280 | 305232608 | Closed | 2026-06-11 03:10 | 2026-06-17 10:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. UW MADE CALCULATIONS ON THE XXXX PLEASE SEE ATTACHED - WILL THIS SUFFICE ? - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender income verification worksheet for Asset Utilization as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. UW MADE CALCULATIONS ON THE XXXX PLEASE SEE ATTACHED - WILL THIS SUFFICE ? - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXXXX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9677717 | N/A | N/A | ||
| XXXX | XXXX | W26050105 | 305232618 | Closed | 2026-06-16 14:15 | 2026-06-18 10:47 | Waived | 2 - Non-Material | C | B | Credit | Credit | Missing underwriting exception form | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide a signed lender authorization or exception approval document stating the rationale for approving the loan at XX% LTV/CLTV/HLTV when standard program guidelines limit LTV/CLTV/HLTV to XX% for purchase transactions for First Time Investors and Loan Amounts <$XXX,XXX. The documentation must include the approving party’s name, title and date of approval. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXX XXXXXXXX.XXX | $XXX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum. XXX Representative credit score exceeds the minimum required credit score of XXX by XXX Points. |
XXXX | Investment | Purchase | NA | 9773032 | Originator Post-Close | No | |
| XXXX | XXXX | W26050086 | 305232621 | Closed | 2026-06-10 08:12 | 2026-06-22 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Borrower X Photo Identification Driver's License uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Provide Borrower X Driving license or other Identification as its missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Photo Identification Driver's License uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XX.XXX | XXXX | Investment | Purchase | NA | 9652131 | N/A | N/A | ||
| XXXX | XXXX | BCS26030728 | 305232616 | Closed | 2026-06-11 06:17 | 2026-06-16 08:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-LOE on Rent Free uploaded, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Borrower is has no primary housing expense. The letter of explanation is missing in file from homeowner stating such. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-LOE on Rent Free uploaded, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX XXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9681170 | N/A | N/A | ||
| XXXX | XXXX | BCS26030728 | 305232616 | Closed | 2026-06-11 06:35 | 2026-06-16 01:05 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Completion Report (XXXXD) uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Primary Value Appraisal is Expired, Check XXXXD Completion date if available to confirm if expired. (Days Difference is XXX) The appraisal in the file is dated XX/XX/XXXX. At the time of closing the appraisal was expired. Per the guidelines dated X/XX/XXXX section X.X.X. it states that a report that exceeds XXX days of the note date, a recertification of value is required. - Due Diligence Vendor-XX/XX/XXXX Open-Primary Value Appraisal is Expired, Check XXXXD Completion date if available to confirm if expired. (Days Difference is XXX) The appraisal in the file is dated XX/XX/XXXX. At the time of closing the appraisal was expired. Per the guidelines dated X/XX/XXXX section X.X.X. it states that a report that exceeds XXX days of the note date, a recertification of value is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Completion Report (XXXXD) uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX |
XX-XXXXXXXXXXXXX XX XXXXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9681496 | N/A | N/A | ||
| XXXX | XXXX | W26040756 | 305232619 | Closed | 2026-06-15 10:16 | 2026-06-17 08:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Final settlement statement was provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. The purchase contract reflects deposit of $XX,XXX. Proof of receipt is on page XXX. The deposit of $XX,XXX is not reflected on the Final Hud statement on page XXX-XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final settlement statement was provided. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX XXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 9744799 | N/A | N/A | ||
| XXXX | XXXX | W26040756 | 305232619 | Closed | 2026-06-11 07:56 | 2026-06-15 10:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Per the exception noted on page XXX and the XXXX comments, the transaction is identified as a non-arm’s length transaction. However, the appraisal report and the XXXX declaration section indicate the transaction as arm’s length. It is noted that the property is owned by the borrower’s sister, which does not meet the criteria for an arm’s length transaction, particularly as the purchase is for investment purposes. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Per the exception noted on page XXX and the XXXX comments, the transaction is identified as a non-arm’s length transaction. However, the appraisal report and the XXXX declaration section indicate the transaction as arm’s length. It is noted that the property is owned by the borrower’s sister, which does not meet the criteria for an arm’s length transaction, particularly as the purchase is for investment purposes. - Due Diligence Vendor-XX/XX/XXXX |
Client elects to waive with the following compensating factors: XX.XX% LTV is below the maximum XX% LTV by XX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XXX points $XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by XX months over the required minimum. |
XXXX | Investment | Purchase | NA | 9683712 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | TB26030782 | 305232612 | Closed | 2026-06-11 08:23 | 2026-06-18 14:03 | Resolved | 1 - Information | B | A | Credit | Credit | Missing non-subject rental income documentation | Resolved-Notes received for the Concurrent loan closings with XXXXXXXXXXX. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. My apokigies - see attached both notes dated Hune XXXX - Seller-XX/XX/XXXX Counter-File is still missing the concurrent Notes for #XXXXXXXXXXX (XXXX XXXXXXXXX) & #XXXXXXXXXXX (XXXXX X XXXXXXXXXXX) from on or around X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The borrowers have X other XXXXXXXXXXX loans doing a concurrent closing (#XXXXXXXXXXX for XXXXX X XXXXXXXXXXX & #XXXXXXXXXXX for XXXX X XXXXXXXXX). The file is missing documentation of the XXXXX from those concurrent mortgages in order to determine the current XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. My apokigies - see attached both notes dated Hune XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Notes received for the Concurrent loan closings with XXXXXXXXXXX. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXXXXXXXX_XXXXX - XXXXX X XXXXXXXXXXX XXXXXXX - XXX XXXX.XXX XXXXXX_XXXXXXXXXX_XXXXX - XXXXX X XXXXXXXXXXX XXXXXXX - XXXX.XXX XXXXXX_XXXXXXXXXX_XXXXX - XXXX X XXXXXXXXX - XXXX.XXX XXXXXX_XXXXXXXXXX_XXXXX - XXXX X XXXXXXXXX - XXXX XXXXX X-X-XXXX.XXX XXXXXX_XXXXXXXXXX_XXXXX - XXXXX X XXXXXXXXXXX - XXXX XXXXX X-X-XXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9684486 | N/A | N/A | ||
| XXXX | XXXX | TB26030782 | 305232612 | Closed | 2026-06-11 06:09 | 2026-06-16 11:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Closing Statements received for the other X properties. Asset page updated with the Cash Out amount from these. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXXXXXXXXX / XXXXX X XXXXXXXXXXX XXXXXXX, pending signed - will send asap - Seller-XX/XX/XXXX Open-Loan is short reserves. The borrowers have X other XXXXXXXXXXX loans doing a concurrent closing (#XXXXXXXXXXX for XXXXX X XXXXXXXXXXX & #XXXXXXXXXXX for XXXX X XXXXXXXXX). The file is missing the closing statement (Final CD, Final HUD, or Final Settlement Statement) for those properties to determine the amount of cash from or to the borrower. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXXXXXXXXX / XXXXX X XXXXXXXXXXX XXXXXXX, pending signed - will send asap - Seller-XX/XX/XXXX |
Resolved-Closing Statements received for the other X properties. Asset page updated with the Cash Out amount from these. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_XXXXXXXXXX_XXXXX XXX - XXXX X XXXXXXXXX XXXXXX.XXX XXXXXX_XXXXXXXXXX_XXXXX XX - XXXXX X XXXXXXXXXXX XXXXXXX - XX XX XXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9681084 | N/A | N/A | ||
| XXXX | XXXX | W26040425 | 305232613 | Closed | 2026-06-17 11:26 | 2026-06-17 11:29 | Resolved | 1 - Information | C | A | Compliance | Mavent | Rescission: Disbursement | Resolved-Separate finding, Uploaded Revised Final Closing Disclosure Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. The Last Closing Disclosure (XXXX-XX-XX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX-XX-XX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the Xrd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX.XX(c) and (d) and XXXX.XX(g) (if applicable). (XX CFR XXXX.XX) . - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Separate finding, Uploaded Revised Final Closing Disclosure Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9792877 | N/A | N/A | ||||
| XXXX | XXXX | W26040425 | 305232613 | Closed | 2026-06-17 11:26 | 2026-06-17 11:28 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Separate finding, Uploaded Revised Final Closing Disclosure Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open-You submitted a Last Closing Disclosure Received Date (XXXX-XX-XX) earlier than the Last Closing Disclosure Date Issued (XXXX-XX-XX). The System cannot perform a Regulation Z business day disclosure waiting period review without accurate dates. (XX CFR XXXX.XX(f); XXXX.XX; XXXX.XX(f); XXXX.XX(a)(X)) . - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Separate finding, Uploaded Revised Final Closing Disclosure Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9792876 | N/A | N/A | ||||
| XXXX | XXXX | W26040425 | 305232613 | Closed | 2026-06-15 18:39 | 2026-06-17 11:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised Final Closing Disclosure Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Notice of Right to Cancel signed X/X/XXXX, expired X/X/XXXX. Earliest eligible Disbursement X/XX/XXXX. Missing Closing Disclosure(Prepaid Interest) for Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Revised Final Closing Disclosure Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX _ XXXX XXXXXXXXXXXX XX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9755723 | N/A | N/A | ||
| XXXX | XXXX | W26040425 | 305232613 | Closed | 2026-06-11 06:25 | 2026-06-17 11:26 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Revised Final Closing Disclosure Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date XXXX-XX-XX is the same day as the calculated "Right to Cancel Expire Date" XXXX-XX-XX. Provide updated Right to Cancel or PCCD. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Revised Final Closing Disclosure Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX _ XXXX XXXXXXXXXXXX XX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9681347 | N/A | N/A | ||
| XXXX | XXXX | W26040425 | 305232613 | Closed | 2026-06-15 18:48 | 2026-06-17 11:12 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Uploaded Title supplement removing #X from Final policy. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property Title Issue Page XXX Title Commitment shows Requirement #X Subject Xst mortgage paid thru closing. However Requirement #X appears to be secured by another property. Documentation does not show paid thru closing. Page XXX Mortgage Statement shows for same loan amount as Title commitment, property address XXXXX X XXXXXXXXX XXX. Please clarify, provide additional required documentation (mortgage payments made for XXXXX, XXXXX & XXX XXXX if applicable, Subordination Agreement within Guidelines if applicable, etc.) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded Title supplement removing #X from Final policy. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9755788 | N/A | N/A | ||
| XXXX | XXXX | 305141474 | Closed | 2026-06-25 09:02 | 2026-07-29 23:45 | Acknowledged | 2 - Non-Material | C | B | Compliance | Mavent | NJ Fee Not Allowed- Release Processing Fee (Fee ID: 998) | Acknowledged-Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Section X:X-XX.X of the XXX XXXX XXXXXXXXX XXXXX, XXXX, XXXXXXXXXXX XXXXXXXXXX (X.X.X.X. X:X-XX.X) does not allow Release Processing Fee (Fee ID: XXX) to be charged to the Borrower in XX. . - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 9933602 | Originator Post-Close | No | |||||
| XXXX | XXXX | 305141474 | Closed | 2026-06-22 02:53 | 2026-06-25 09:36 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) . - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved- This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX , and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX -XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX , and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) . - Due Diligence Vendor-XX/XX/XXXX Resolved- This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX , and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX -XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX , and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 9853144 | N/A | N/A | |||||
| XXXX | XXXX | 305141474 | Closed | 2026-06-22 02:53 | 2026-06-25 09:03 | Resolved | 1 - Information | C | A | Compliance | Mavent | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-It is unclear that is being asked. The initial LE and COC LE both show a CPL fee in Section C and the Final CD shows the same $XX fee in the same Section. The only fees in Section B are the ones shown above. - Due Diligence Vendor-XX/XX/XXXX Open-There are ($XX.XX) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (XX CFR XXXX.XX(f)(X); XX CFR XXXX.XX(f)(X)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 9853145 | N/A | N/A | |||||
| XXXX | XXXX | 305141474 | Closed | 2026-06-22 02:53 | 2026-06-25 09:03 | Resolved | 1 - Information | C | A | Compliance | Mavent | NJ Fee Not Allowed- Servicing Release Premium (Fee ID: 11) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-same as above. There is no fee on any of the disclosures titled Servicing Release Premium please advise what is needed. Thank you - Due Diligence Vendor-XX/XX/XXXX Open-Section X:X-XX.X of the XXX XXXX Mortgage Loans, Fees, Obligations Provisions (X.X.X.X. X:X-XX.X) does not allow Servicing Release Premium (Fee ID: XX) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 9853146 | N/A | N/A | |||||
| XXXX | XXXX | 305141474 | Closed | 2026-06-22 02:53 | 2026-06-25 09:03 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-There is no Servicing Release Premium on any of the disclosures, initial or Final. These are the only fees in Section B on the Final CD. Please advise what is needed. Thank you - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Servicing Release Premium. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 9853147 | N/A | N/A | |||||
| XXXX | XXXX | 305141474 | Closed | 2026-06-18 12:34 | 2026-06-25 08:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-UW LOX - Due Diligence Vendor-XX/XX/XXXX Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Addendum to contract for the increase in Seller Credits is required - addendum on page #XXX states the seller credit is $XX,XXX however on the Final CD on page #XXX shows the seller credit is $XX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 9822809 | N/A | N/A | ||||
| XXXX | XXXX | 305141474 | Closed | 2026-06-15 04:16 | 2026-06-22 09:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-initial CD - Due Diligence Vendor-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Initial Closing Disclosure missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Initial CD provided - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 9739013 | N/A | N/A | ||||
| XXXX | XXXX | 305141474 | Closed | 2026-06-15 04:17 | 2026-06-22 00:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Requested homeownership counseling disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-homeownership disc - Due Diligence Vendor-XX/XX/XXXX Open-Homeownership counselling disclosure missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested homeownership counseling disclosure provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 9739016 | N/A | N/A | ||||
| XXXX | XXXX | TC26050443 | 305232610 | Closed | 2026-06-12 09:55 | 2026-06-22 10:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Uploaded XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Final XXXX Schedule of Real Estate Property Address illegible, unable to verify. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-what are you needing to be clear on the XXXX in the REO section? please be specific - Seller-XX/XX/XXXX Open-Final XXXX REO section is not clear however considered from initial XXXX and other documents. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-what are you needing to be clear on the XXXX in the REO section? please be specific - Seller-XX/XX/XXXX |
Resolved-Uploaded XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXX XXX XXXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 9715611 | N/A | N/A | ||
| XXXX | XXXX | TC26050443 | 305232610 | Closed | 2026-06-15 17:29 | 2026-06-22 10:52 | Resolved | 1 - Information | C | A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Uploaded XXX documentation for XXX XXXXXXXXXX Road and XXXX XXXXXXX Road. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Homeowners Association Statement for monthly/annual dues XXX XXXXXXXXXX Road and XXXX XXXXXXX Road. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded XXX documentation for XXX XXXXXXXXXX Road and XXXX XXXXXXX Road. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX XXXX XXXX [XXX][XX-XX-XX].XXX XXX XXXXXX XXX XXXX [XXX][XX-XX-XX].XXX |
XXXX | Investment | Purchase | NA | 9755230 | N/A | N/A | ||
| XXXX | XXXX | TC26050443 | 305232610 | Closed | 2026-06-15 17:49 | 2026-06-17 11:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Uploaded Loan Approval. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Loan Approval. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded Loan Approval. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 9755404 | N/A | N/A | ||
| XXXX | XXXX | W26050646 | 305232606 | Closed | 2026-06-12 11:38 | 2026-06-16 08:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Updated Settlement Statement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. As per Purchase contract, Escrow Trust receipt on pg#XXX and Bank statement on pg#XXX are showing EMD of $XX,XXX has been sent to escrow, but HUD-1 settlement statement is not showing the same. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Settlement Statement uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 9718571 | N/A | N/A | ||
| XXXX | XXXX | TA26050707 | 305232622 | Closed | 2026-06-12 04:36 | 2026-06-17 01:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval Document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide Loan Approval Document, Missing in File - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Loan Approval Document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXXXX (XX).XXX | XXXX | Investment | Purchase | NA | 9709112 | N/A | N/A | ||
| XXXX | XXXX | TA26050707 | 305232622 | Closed | 2026-06-12 07:14 | 2026-06-17 01:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose Affidavit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Provide Business Purpose Affidavit, Missing in File - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Business Purpose Affidavit uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXX XX XXXXXXXX XXXXXXX (X).XXX | XXXX | Investment | Purchase | NA | 9712513 | N/A | N/A | ||
| XXXX | XXXX | 305232793 | Closed | 2026-06-16 08:38 | 2026-06-29 09:04 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Rescinded-Invalid - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Rescinded-Invalid - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9764334 | N/A | N/A | |||||
| XXXX | XXXX | 305232793 | Closed | 2026-06-22 12:07 | 2026-06-29 08:52 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Guidelines requires X months bank statements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXXXXXX XXXXXXX.XXX XXXXXXXXX_X XXXXXX XXXX XXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9866282 | N/A | N/A | |||
| XXXX | XXXX | 305232793 | Closed | 2026-06-22 12:07 | 2026-06-29 08:52 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Guidelines requires X months bank statements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_X XXXXXX XXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9866283 | N/A | N/A | |||
| XXXX | XXXX | 305232793 | Closed | 2026-06-16 09:22 | 2026-06-29 08:32 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV. | Waived-Exception for LTV of XX% with a XXXX of .XX, guidelines allow for a Max LTV of XX%. Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Counter-Exception is missing to allow higher ltv. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Audited LTV of XX.X% exceeds Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception for LTV of XX% with a XXXX of .XX, guidelines allow for a Max LTV of XX%. Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX |
XXXX - XXXXXXXXXXX XXXXXXX.XXX XXXXXXXXX_XXXXXXXXX XXXXXXX.XXX |
XXX Representative credit score exceeds the minimum required of XXX by XX points. Housing history XxXXxXX. GL requirements XxXXxXX.. |
XXXX | Investment | Refinance | Cash Out - Other | 9764925 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | 305232793 | Closed | 2026-06-16 07:46 | 2026-06-25 07:35 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-title policy with coverage equal to loan amount received. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Preliminary commitment shows title coverage of $XXX,XXX which is less than the loan amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX.XX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-title policy with coverage equal to loan amount received. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXXX.XXX XXXXXXXXXX XXXXXXX XXXXX XXXXXXXXXX X.XX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9763692 | N/A | N/A | |||
| XXXX | XXXX | W26040499 | 305232692 | Closed | 2026-06-16 04:58 | 2026-06-23 07:46 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The Borrower does not have EIN since he is the sole proprietor. Please advise what else is needed to proceed. - Seller-XX/XX/XXXX Counter-The documentation provided does not reflect the EIN of the XXX. Please provide supporting document for the EIN. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Business Entity EIN is missing ,provide Articles of Incorporation or comparable documents to verify EIN number . - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The Borrower does not have EIN since he is the sole proprietor. Please advise what else is needed to proceed. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXX XX XXX.XXX XXX XXXXXXXXXXX XX XXXX XXXXXXXX.XXX XXX XXXXXX XXXXXXXX XXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9759924 | N/A | N/A | ||
| XXXX | XXXX | 305232544 | Closed | 2026-06-23 09:37 | 2026-07-17 10:34 | Resolved | 1 - Information | B | A | Credit | Doc Issue | VOM or VOR missing/required | Resolved-Received is an incomplete/blank XXXX. Received is a computer application print out with a BX primary address XXXX XXXXXXX XX UNIT XXXXXXXXX XX XXXXX that does not match the BXs drivers license, credit report or where the tax bills for XXXX XXXXXXX XX UNIT XX XXXXXXXX XX XXXXX are being sent to on the fraud report. Received is an LOE stating that XXXXXXXX XXXX XXX on credit matches XXXX XXXXXXX XX UNIT XXXXXXXXX XX XXXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. sleeping at the wheel ok i think what you are wanting is pay history for borrower XXXXXX primary. its on the credit and there is a statement in the file as well showing current at time of closing. if this is not what you need please reach out via email and maybe we can discuss. - Seller-XX/XX/XXXX Counter-Received documentation for an address of XXXX XXXXXXX XX UNIT XX XXXXXXXX XXXXXXX-XXXX and not the address in question which is reflected on the BXs Drivers license. The address is listed as Borrower address on the drivers license. Missing the VOR/VOM/owned free and clear/ lives rent free for the primary residence at XXXX XXXX XXth Street - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. trying to print XXXX as the issue has been corrected however having system issues. I have included a snippet to show its previous address and a utility bill reflecting another owner. And I finally saw its on the dl included in the closing package. My apologies for the back and forth. - Seller-XX/XX/XXXX Counter-Received was a XXXX without the primary address being completed. Missing the VOR for the primary residence at XXXX XXXX XXth Street reflected on BXs Drivers license: CORE Credit Guidelines Alt Doc, XXXX, Full Doc and ITIN Programs Version X.X Updated March XX, XXXX X.X.X Housing History Greater Than XX Months Acceptable housing history requires evidence that a borrower has made a housing payment on their primary residence and any other mortgaged REOs for at least the last XX months - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. i have sent the rebuttal showing the screen shots of our loan application in file that does not reflect the address noted below. No address is showing in our system. there is no initial XXXX that i can see in our file and the final XXXX I'm not seeing any address that reflects the XXXX X XXth st. I have attached the final XXXX that is signed in our package. - Seller-XX/XX/XXXX Counter-The address is the BXs primary address and is reflected as renting on page X of the XXXX. All primary pay history must be verified, as such a VOR / pay history is required. Missing the VOR for the primary residence at XXXX XXXX XXth Street - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. I'm not seeing this address you list below of XXXX XXXX XXth Street. Your review team has reviewed several loans for this borrower and this has not been a condition. - Seller-XX/XX/XXXX Counter-The address is listed as Borrower address on the drivers license. Missing the VOR/VOM/owned free and clear/ lives rent free for the primary residence at XXXX XXXX XXth Street - Due Diligence Vendor-XX/XX/XXXX Ready for Review-good morning I'm not seeing the address noted below on the REO - Seller-XX/XX/XXXX Open-Missing the VOR for the primary residence at XXXX XXXX XXth Street - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. sleeping at the wheel ok i think what you are wanting is pay history for borrower XXXXXX primary. its on the credit and there is a statement in the file as well showing current at time of closing. if this is not what you need please reach out via email and maybe we can discuss. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. trying to print XXXX as the issue has been corrected however having system issues. I have included a snippet to show its previous address and a utility bill reflecting another owner. And I finally saw its on the dl included in the closing package. My apologies for the back and forth. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. i have sent the rebuttal showing the screen shots of our loan application in file that does not reflect the address noted below. No address is showing in our system. there is no initial XXXX that i can see in our file and the final XXXX I'm not seeing any address that reflects the XXXX X XXth st. I have attached the final XXXX that is signed in our package. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. I'm not seeing this address you list below of XXXX XXXX XXth Street. Your review team has reviewed several loans for this borrower and this has not been a condition. - Seller-XX/XX/XXXX Ready for Review-good morning I'm not seeing the address noted below on the REO - Seller-XX/XX/XXXX |
Resolved-Received is an incomplete/blank XXXX. Received is a computer application print out with a BX primary address XXXX XXXXXXX XX UNIT XXXXXXXXX XX XXXXX that does not match the BXs drivers license, credit report or where the tax bills for XXXX XXXXXXX XX UNIT XX XXXXXXXX XX XXXXX are being sent to on the fraud report. Received is an LOE stating that XXXXXXXX XXXX XXX on credit matches XXXX XXXXXXX XX UNIT XXXXXXXXX XX XXXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX XXXX.XXX XXX.XXX XX_XXXX_XXXX-XX-XX.XXX XXXXXXXXXX_XXXXXXXXX-XXXX.XXX XXXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9886960 | N/A | N/A | |||
| XXXX | XXXX | 305232544 | Closed | 2026-06-23 09:34 | 2026-07-16 09:10 | Resolved | 1 - Information | C | A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Received XXXth XXXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXX verifying that BX and BX are both Members totaling XXX%, as such Final CD proceeds can be used as assets for this transaction. As such assets from X other refinances are being used as asset to close and reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see all LLC docs for XXXth I believe that is the last of items needed - Seller-XX/XX/XXXX Counter-Received are CD with the proceeds going to XXXth Floor Partners LLC . There are different entities in each file this file is XXth Floor Partners LLC, A New York Limited Liability Company, Loan ending in XXX is another XXXth Floor Partners LLC, A New York Limited Liability Company, Loan ending in XXX is another XXXth Floor Partners LLC, A New York Limited Liability Company. Missing operation agreement of XXXth Floor Partners LLC, A New York Limited Liability Company verifying the percentage of ownership either/any Borrower has in X FPLANYLL and a signed LOE from all of the members of X FPLANYLL stating that the either of the Borrower on this transaction can use the funds for this specific transaction. Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) Missing proof of asset documentation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Received was X CDs from refinance completed by X FPLANYLL and Lender would like to use the proceeds as assets / reserves to close on this transaction. Missing operation agreement of X FPLANYLL verifying the percentage of ownership either/any Borrower has in X FPLANYLL and a signed LOE from all of the members of X FPLANYLL stating that the either of the Borrower on this transaction can use the funds for this specific transaction. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. these loans and CD were part of the blanket pack and paid off the loan and utilized as reserves all closed simo - Seller-XX/XX/XXXX Counter-Missing source of funds in at least the amount of $XXX,XXX.XX being sent to closing agent to pay off the loan (reserves are also missing), received is the closing agent sending funds. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached this was part of blanket loan paying off - Seller-XX/XX/XXXX Open-Missing source of assets to close in the amount of $XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see all LLC docs for XXXth I believe that is the last of items needed - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. these loans and CD were part of the blanket pack and paid off the loan and utilized as reserves all closed simo - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. see attached this was part of blanket loan paying off - Seller-XX/XX/XXXX |
Resolved-Received XXXth XXXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXX verifying that BX and BX are both Members totaling XXX%, as such Final CD proceeds can be used as assets for this transaction. As such assets from X other refinances are being used as asset to close and reserves. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX XXXXXX.XXX XXXXX.XXX XXXXX.XXX XXXXX.XXX XXXXX.XXX XXX.XXX X-XXXXXXXXXX-XXXXXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9886905 | N/A | N/A | |||
| XXXX | XXXX | 305232544 | Closed | 2026-06-16 09:17 | 2026-07-16 09:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Resolved-Received XXXth XXXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXX verifying that B1 and B2 are both Members totaling XXX%, as such Final CD proceeds can be used as assets for this transaction. As such assets from X other refinances are being used as asset to close and reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Received are CD with the proceeds going to XXXth Floor Partners LLC . There are different entities in each file this file is XXth Floor Partners LLC, A New York Limited Liability Company, Loan ending in XXX is another XXXth Floor Partners LLC, A New York Limited Liability Company, Loan ending in XXX is another XXXth Floor Partners LLC, A New York Limited Liability Company. Missing operation agreement of XXXth Floor Partners LLC, A New York Limited Liability Company verifying the percentage of ownership either/any Borrower has in X FPLANYLL and a signed LOE from all of the members of X FPLANYLL stating that the either of the Borrower on this transaction can use the funds for this specific transaction. Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) Missing proof of asset documentation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Received was X CDs from refinance completed by X FPLANYLL and Lender would like to use the proceeds as assets / reserves to close on this transaction. Missing operation agreement of X FPLANYLL verifying the percentage of ownership either/any Borrower has in X FPLANYLL and a signed LOE from all of the members of X FPLANYLL stating that the either of the Borrower on this transaction can use the funds for this specific transaction. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Document Uploaded. these loans and CD were part of the blanket pack and paid off the loan and utilized as reserves all closed simo - Seller-XX/XX/XXXX Ready for Review-I uploaded to the other condition multiple CD that closed simo that shows sufficient reserves and payoff of loan - Seller-XX/XX/XXXX Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) Missing proof of asset documentation. Audited Reserves of X month(s) are less than Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Document Uploaded. these loans and CD were part of the blanket pack and paid off the loan and utilized as reserves all closed simo - Seller-XX/XX/XXXX Ready for Review-I uploaded to the other condition multiple CD that closed simo that shows sufficient reserves and payoff of loan - Seller-XX/XX/XXXX |
Resolved-Received XXXth XXXXX XXXXXXXX XXX XXXXXXXXX XXXXXXXXX verifying that B1 and B2 are both Members totaling XXX%, as such Final CD proceeds can be used as assets for this transaction. As such assets from X other refinances are being used as asset to close and reserves. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.XXX XXXXX.XXX XXXXX.XXX XXXXX.XXX XXX.XXX X-XXXXXXXXXX-XXXXXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9764824 | N/A | N/A | |||
| XXXX | XXXX | 305191726 | Closed | 2026-06-23 11:14 | 2026-06-25 08:51 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal 2 missing | Resolved-Added XXXX as secondary value - Due Diligence Vendor-XX/XX/XXXX Ready for Review-there is a drive by appraisal in the file for the secondary evaluation. - Seller-XX/XX/XXXX Open-Missing a copy of the clear capital desktop appraisal review/analysis - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-there is a drive by appraisal in the file for the secondary evaluation. - Seller-XX/XX/XXXX |
Resolved-Added XXXX as secondary value - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9889998 | N/A | N/A | ||||
| XXXX | XXXX | 305232647 | Closed | 2026-06-17 11:02 | 2026-07-01 10:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Document containing borrower reo's sufficient and complete. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Real estate own Details not Provided. Provide Updated XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Document containing borrower reo's sufficient and complete. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 9791495 | N/A | N/A | |||
| XXXX | XXXX | 305232648 | Closed | 2026-06-17 07:58 | 2026-06-24 23:13 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount of $XXXXXX is less than loan amount of XXX,XXX.XX. Provide supporting documents. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX XXXXXX (XX).XXX | XXXX | Investment | Refinance | Cash Out - Other | 9788142 | N/A | N/A | |||
| XXXX | XXXX | 305232592 | Closed | 2026-06-24 02:28 | 2026-07-01 10:41 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Consumer Caution and Home Owner Counseling Notice was Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Consumer Caution and Home Owner Counseling Notice provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9905927 | N/A | N/A | |||
| XXXX | XXXX | 305232592 | Closed | 2026-06-24 02:08 | 2026-07-01 06:46 | Resolved | 1 - Information | B | A | Credit | Doc Issue | Settlement Service Provider List is Missing | Resolved-Settlement providers list provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Settlement Service Provider List is Missing Settlement Service Provider List was Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Settlement providers list provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX--.XXX | XXXX | Primary Residence | Purchase | NA | 9905747 | N/A | N/A | |||
| XXXX | XXXX | 305232592 | Closed | 2026-06-24 02:27 | 2026-07-01 01:46 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure was Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Homeownership Counseling Disclosure provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9905916 | N/A | N/A | |||
| XXXX | XXXX | 305232592 | Closed | 2026-06-25 12:14 | 2026-06-29 11:33 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount There is no Coverage amount listed on the Title Policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX_XXXXXXX_XXXXXX__X_.XXX | XXXX | Primary Residence | Purchase | NA | 9939025 | N/A | N/A | |||
| XXXX | XXXX | 305232595 | Closed | 2026-06-24 10:08 | 2026-07-10 08:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Missing documentation to marry XXX X XXXXXXXXXX XX XXX XXXXXXXXX, XX XXXXX to any one of the mortgage pay history reflected on the credit report - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The loan for primary is on credit. There is updated credit supplement at time of closing showing current. - Seller-XX/XX/XXXX Counter-BorrowerX primary residence XXX X XXXXXXXXXX XX XXX XXXXXXXXX, XX XXXXX pay history is missing from the file. Received was XXXX XXXXXXXXXX XXXXXX, XXXXXXXXXXXX, XX XXXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Missing documentation that supports the primary residence pay history. - Due Diligence Vendor-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Missing documentation that supports the primary residence pay history. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. The loan for primary is on credit. There is updated credit supplement at time of closing showing current. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXX_XXX_XXXXXXXXX.XXX XXXXX_XXXXXX_XXXX_XXX_XXX.XXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9912257 | N/A | N/A | |||
| XXXX | XXXX | 305232593 | Closed | 2026-06-24 09:38 | 2026-06-29 08:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report with the alerts cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Missing Processor/Underwriter cert for XXXXXXXXX Mortgage Capital, Inc. / or a fraud report with the alerts cleared - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received fraud report with the alerts cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX XXXXXXX.XXX | XXXX | Investment | Purchase | NA | 9911716 | N/A | N/A | |||
| XXXX | XXXX | 305232591 | Closed | 2026-06-24 08:15 | 2026-06-29 13:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received rate lock information - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Lock Confirmation is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received rate lock information - Due Diligence Vendor-XX/XX/XXXX |
X-XXXXXXXXXX_XXXXX_XXX_XXXX_XXXXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9910367 | N/A | N/A | |||
| XXXX | XXXX | 305232590 | Closed | 2026-06-24 10:31 | 2026-07-10 08:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See all credit docs included credit supplement with a snapshot of the properties in our system and what property each lien is tied to - Seller-XX/XX/XXXX Counter-Please upload the document for review, as nothing is was attached for me to view. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-credit supplement attached that shows XXXXXX XXXXXXXXX as primary to complete housing history - Seller-XX/XX/XXXX Counter-BorrowerX primary residence XXX X XXXXXXXXXX XX XXX XXXXXX, XX XXXXX pay history is missing from the file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-I do not see a lien listed on title nor do i see a payoff for a lien subject appears to be free and clear. Please advise what you are seeing. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Missing documentation that supports the primary residence pay history. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See all credit docs included credit supplement with a snapshot of the properties in our system and what property each lien is tied to - Seller-XX/XX/XXXX Ready for Review-credit supplement attached that shows XXXXXX XXXXXXXXX as primary to complete housing history - Seller-XX/XX/XXXX Ready for Review-I do not see a lien listed on title nor do i see a payoff for a lien subject appears to be free and clear. Please advise what you are seeing. - Seller-XX/XX/XXXX |
Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |
X-XXXXXXXXXX-XXXXXX XXXXXXXX.XXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9912775 | N/A | N/A | |||
| XXXX | XXXX | 305232590 | Closed | 2026-06-24 10:31 | 2026-07-10 08:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see the attached credit report and credit supplements and the REO from our XXXX showing the mortgages tied to properties. - Seller-XX/XX/XXXX Counter-See loan VOMs in W-XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please advise on where these address are noted. I'm looking in our system I do not see the below referenced addresses listed. - Seller-XX/XX/XXXX Open-VOR/VOM Doc Status should not be 'Missing'. Missing VOM s for Property Address: XXXX XXXXXXXXXXX XXXXXX, XXXXXXXXXXX, XX XXXXX Lender: XXXXXX XXXXXXXXXXXX and Property Address: XXX XXXXXXXX XXXXXX XXXXXXXXXXX, XX XXXXX Lender : XXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see the attached credit report and credit supplements and the REO from our XXXX showing the mortgages tied to properties. - Seller-XX/XX/XXXX Ready for Review-please advise on where these address are noted. I'm looking in our system I do not see the below referenced addresses listed. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX X-XXXXXXXXXX-XXXXXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 9912776 | N/A | N/A | |||
| XXXX | XXXX | 305232587 | Closed | 2026-06-25 13:54 | 2026-07-02 13:19 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Lender provided title supplement indicating sufficient coverage. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount There is no Coverage amount listed on the Title. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided title supplement indicating sufficient coverage. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX XXXX XXXXXX XX XXXXX XXX (X-X-XX)(X)-XX.XXX | XXXX | Investment | Purchase | NA | 9940861 | N/A | N/A | |||
| XXXX | XXXX | 305232587 | Closed | 2026-06-25 01:58 | 2026-06-29 11:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Final CD taxes calculated using XX tax calculation method by taking X.XX% of the sales price, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Final CD taxes calculated using XX tax calculation method by taking X.XX% of the sales price, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-for XX X.XX% of PP is utilized to calc taxes. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax Provided tax certification on page XXX with $XXXX.XX/X of semi annual monthly payment is not matching with the final CD monthly payment of $XXX.XX provide updated supporting documents. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-for XX X.XX% of PP is utilized to calc taxes. - Seller-XX/XX/XXXX |
Resolved-Final CD taxes calculated using XX tax calculation method by taking X.XX% of the sales price, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Final CD taxes calculated using XX tax calculation method by taking X.XX% of the sales price, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 9928559 | N/A | N/A | ||||
| XXXX | XXXX | 305135201 | Closed | 2026-07-17 10:02 | 2026-08-18 11:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements. | Resolved-Breakdown of business paid liabilities received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see revised DTI calculation. Three accounts paid by the business were identified and used to partially offset the XXXX XXX payment, resulting in a revised DTI of XX.XX%, meets XXXXXXXXX requirement. Please rescind the finding as presented. Thank you. - Buyer-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% PCCD shows X accounts being paid off, DTI above XX%. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Breakdown of business paid liabilities received. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX XXXXXXXXXXX XX XXXXXXXXXXXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10320662 | N/A | N/A | ||||
| XXXX | XXXX | 305135201 | Closed | 2026-06-25 12:55 | 2026-07-17 10:02 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing PCCD. | Resolved-Received confirmation no correction required for the PCCD for the payoffs. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. A Post-Closing Closing Disclosure (PCCD) dated **XX/XX** is included in the loan file and reflects the final payoff amounts used at disbursement. The underwriter's final calculations in XXXXXXXXX are consistent with the PCCD and support the payoff amounts reflected on the final disbursed loan. The PCCD represents the final executed post-closing figures, and no additional corrected PCCD is required. Please rescind finding as presented, thank you. - Buyer-XX/XX/XXXX Open-PCCD in file shows dropped off payoffs, missing PCCD showing corrected payoff amounts. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received confirmation no correction required for the PCCD for the payoffs. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXX XXXXXXXX XXXXX XXXXXXXXXXXX.XXX XXXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9939791 | N/A | N/A | ||||
| XXXX | XXXX | 305135201 | Closed | 2026-06-22 04:02 | 2026-06-25 13:13 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is escrowed, PCCD on page XXX shows escrows, Escrow Disclosure on page on XXX shows escrows, Rate lock date was entered correctly – see Pg#’s XXX, An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML requirements, finding resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Loan is escrowed, PCCD on page XXX shows escrows, Escrow Disclosure on page on XXX shows escrows, Rate lock date was entered correctly – see Pg#’s XXX, An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML requirements, finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9853548 | N/A | N/A | |||||
| XXXX | XXXX | 305232589 | Closed | 2026-06-25 10:14 | 2026-06-29 08:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Closing package received with signed documents - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Please upload entire signed closing package. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Closing package received with signed documents - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX_XXX_XXX.XXX XXXXXXXX_XXX_XXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9935295 | N/A | N/A | |||
| XXXX | XXXX | 305232589 | Closed | 2026-06-24 05:32 | 2026-06-29 03:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-Requested Note document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Note is Missing Missing signed NOTE and addendums - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Note document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9908431 | N/A | N/A | |||
| XXXX | XXXX | 305232589 | Closed | 2026-06-24 05:33 | 2026-06-29 03:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Requested Deed of trust document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Missing signed Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Deed of trust document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9908442 | N/A | N/A | |||
| XXXX | XXXX | 305232589 | Closed | 2026-06-25 09:52 | 2026-06-29 03:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing signed Guaranty - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX_XXX_XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9934805 | N/A | N/A | |||
| XXXX | XXXX | 305232589 | Closed | 2026-06-24 06:43 | 2026-06-28 23:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested signed business purpose affidavit provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Missing signed Business Purpose Affidavit - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested signed business purpose affidavit provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX_XXX_XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9909088 | N/A | N/A | |||
| XXXX | XXXX | 305177971 | Closed | 2026-07-01 08:22 | 2026-07-06 16:55 | Resolved | 1 - Information | C | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Non-XX. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-this is a Non-XX File and when docs were draw file was passing for XXXX - Due Diligence Vendor-XX/XX/XXXX Open-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable XXXX for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Non-XX. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10018714 | N/A | N/A | |||||
| XXXX | XXXX | 305177971 | Closed | 2026-07-01 08:22 | 2026-07-06 13:57 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The points were increased due to a Guideline Exception added. See the reason for exception - Due Diligence Vendor-XX/XX/XXXX Open-Discount points increased by $XXX on Initial XX without XXX in file . Provided XXX for increase of discount points. - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(e)(X); XX XXX XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX XXXXXXX_X.XXX XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | 10018715 | N/A | N/A | ||||
| XXXX | XXXX | 305177971 | Closed | 2026-07-01 08:22 | 2026-07-06 13:53 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The points were increased due to a Guideline Exception added. See the reason for exception - Due Diligence Vendor-XX/XX/XXXX Open-Discount points increased by $XXX on Initial XX without XXX in file . Provided XXX for increase of discount points. - Due Diligence Vendor-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last XX shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX XXX XXXX.XX(f)(X)(v); XX XXX XXXX.XX(g)(X); XX XXX XXXX.XX(h)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX XXXXXXX_X.XXX XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | 10018713 | N/A | N/A | ||||
| XXXX | XXXX | 305177971 | Closed | 2026-06-29 14:21 | 2026-07-01 09:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Document uploaded and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Initial XX - Due Diligence Vendor-XX/XX/XXXX Open-XXXX: Missing Closing Disclosure Initial Closing Disclosure missing in file. Compliance not ran. Provide Initial Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Document uploaded and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 9984349 | N/A | N/A | ||||
| XXXX | XXXX | 305177971 | Closed | 2026-06-26 01:39 | 2026-07-01 00:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested gap credit report that is within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Requested gap credit report that is within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Look Back Credit Report - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Provide Gap Credit Report is Missing in file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested gap credit report that is within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Requested gap credit report that is within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 9948838 | N/A | N/A | ||||
| XXXX | XXXX | 305135028 | Closed | 2026-06-24 06:14 | 2026-07-07 23:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX-XXX XXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9908750 | N/A | N/A | |||
| XXXX | XXXX | 305135028 | Closed | 2026-06-24 00:33 | 2026-07-07 23:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X XXX Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X XXX Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-Borrower X XXX Party VOE Prior to Close Missing VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower X XXX Party VOE uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X XXX Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9905277 | N/A | N/A | ||||
| XXXX | XXXX | 305135028 | Closed | 2026-06-24 03:59 | 2026-07-02 00:28 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR §XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Rescinded-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR §XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XXX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 9906509 | N/A | N/A | |||||
| XXXX | XXXX | 305130540 | Closed | 2026-06-25 10:58 | 2026-07-30 08:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-SAnctions search - Due Diligence Vendor-XX/XX/XXXX Open-OFAC Check Not Completed and/or Cleared Borrower X Country is Sanctioned. Confirm that the borrower has been manually checked against OFAC's SDN List for individuals and entities - Due Diligence Vendor-XX/XX/XXXX |
Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 9936143 | N/A | N/A | ||||
| XXXX | XXXX | 305130540 | Closed | 2026-06-25 23:44 | 2026-07-29 23:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX with Employment start date and line of work info provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Corrected XXXX - Due Diligence Vendor-XX/XX/XXXX Open-Employment start date & How long in this line of work? data is missing from final XXXX on page #XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated XXXX with Employment start date and line of work info provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 9948307 | N/A | N/A | ||||
| XXXX | XXXX | 305130540 | Closed | 2026-06-25 09:02 | 2026-07-01 00:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX document is missing from the loan file. XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 9933595 | N/A | N/A | ||||
| XXXX | XXXX | 305141175 | Closed | 2026-06-25 01:21 | 2026-07-06 04:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested Business Purpose Affidavit Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested Business Purpose Affidavit Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX,XXX.XXX | Final Business Purpose Disclosure is missing in file. | XXXX | Investment | Refinance | Cash Out - Other | 9928287 | N/A | N/A | |||
| XXXX | XXXX | BCS26050430 | 305232655 | Closed | 2026-06-25 07:51 | 2026-07-31 08:44 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Waived-Exception provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) Reserve requirement of X months is missing from the loan file. Please provide documentation to support sufficient reserves. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Exception provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXXX XXXXXXX XXXX.XXX | XXX Representative credit score exceeds the minimum required of XXX by XX points. XXXX ratio of X.XXX exceeds the minimum requirement of X by X.XXX. Borrower has owned the subject property for X.X years. Investor has X.X years of experience with investment properties. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9932481 | Originator Post-Close | Yes | |
| XXXX | XXXX | BCS26050430 | 305232655 | Closed | 2026-06-26 04:43 | 2026-06-30 00:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Updated HUD uploaded with prepayment Penalty marked as Yes, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. The Note & APPROVAL CERTIFICATE shows Prepayment penalty along with prepayment rider whereas HUD marked as No . - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated HUD uploaded with prepayment Penalty marked as Yes, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXX XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 9950473 | N/A | N/A | ||
| XXXX | XXXX | 305232459 | Closed | 2026-06-30 14:19 | 2026-08-04 16:49 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Rebuttal - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Inadequate insurance Coverage. RCE = $XXXx; Coverage = $XXXx. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Rebuttal - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10006501 | N/A | N/A | |||
| XXXX | XXXX | 305232459 | Closed | 2026-06-30 16:18 | 2026-08-04 16:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Using Loan Stream guidelines, now meets guideline LTV. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. good morning this product is reviewed to loanstream guidelines. - Seller-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV Audited LTV of XX% exceeds the guideline Maximum of XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. good morning this product is reviewed to loanstream guidelines. - Seller-XX/XX/XXXX |
Resolved-Using Loan Stream guidelines, now meets guideline LTV. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX-XXX-XXXX-XXXXXX-XXX-XXXXXX-X.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10008948 | N/A | N/A | |||
| XXXX | XXXX | 305232459 | Closed | 2026-06-30 16:11 | 2026-08-04 16:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline requirements. | Resolved-Audited FICO of XXX is greater than or equal to Guideline FICO of XXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. using XXXXXXXXXX guidelines. - Seller-XX/XX/XXXX Open-Audited FICO of XXX is less than Guideline FICO of XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. using XXXXXXXXXX guidelines. - Seller-XX/XX/XXXX |
Resolved-Audited FICO of XXX is greater than or equal to Guideline FICO of XXX - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10008818 | N/A | N/A | |||
| XXXX | XXXX | 305232556 | Closed | 2026-06-26 12:35 | 2026-06-29 18:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received updated XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XXXX is showing an incorrect property valuation for the subject property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received updated XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9958798 | N/A | N/A | |||
| XXXX | XXXX | 305232556 | Closed | 2026-06-26 12:34 | 2026-06-29 18:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Received updated XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XXXX Document is Missing Missing XXXX with the correct property valuation amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received updated XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9958795 | N/A | N/A | |||
| XXXX | XXXX | 305232556 | Closed | 2026-06-25 07:39 | 2026-06-29 03:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested lock confirmation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Lock confirmation missing from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested lock confirmation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXX_XXXX_X-XXXXXXXXXX XXXXXX.XXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9932323 | N/A | N/A | |||
| XXXX | XXXX | W26050313 | 305232545 | Closed | 2026-06-30 15:45 | 2026-07-06 12:24 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Revised HUD provided with correct prepayment calculation. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment on HUD shows $XX,XXX but calculation from note shows $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Revised HUD provided with correct prepayment calculation. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXX XXX.XXX | XXXX | Investment | Purchase | NA | 10008290 | N/A | N/A | ||
| XXXX | XXXX | 305177922 | Closed | 2026-06-29 04:06 | 2026-07-27 15:18 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Disclosure received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-Undiscounted Rate Disclosure is missing in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Disclosure received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX XXXX XXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9975048 | N/A | N/A | ||||
| XXXX | XXXX | 305177922 | Closed | 2026-07-02 17:36 | 2026-07-08 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd party VOE prior to close was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see dated X/X - Buyer-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing The existence of the business must be independently verified through a disinterested third party within XX business days of closing is absent from the file. Document on page XXX is not dated. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower X Xrd party VOE prior to close was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XX XXXXXX XXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10049956 | N/A | N/A | ||||
| XXXX | XXXX | 305177922 | Closed | 2026-06-29 03:28 | 2026-07-02 17:40 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9974849 | N/A | N/A | |||||
| XXXX | XXXX | 305232803 | Closed | 2026-07-01 07:33 | 2026-07-07 02:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE that is within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Xrd party VOE that is within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_ XX X XXX.XXX | XXXX | Investment | Purchase | NA | 10018083 | N/A | N/A | |||
| XXXX | XXXX | 305232803 | Closed | 2026-07-01 07:33 | 2026-07-07 02:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE that is within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Xrd party VOE that is within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XX X XXX.XXX | XXXX | Investment | Purchase | NA | 10018082 | N/A | N/A | |||
| XXXX | XXXX | 305232803 | Closed | 2026-07-01 08:06 | 2026-07-07 01:57 | Resolved | 1 - Information | D | A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-Requested XXXX completion report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-XXXX Completion Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested XXXX completion report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXX Completion Report is present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXX.XXX | XXXX | Investment | Purchase | NA | 10018545 | N/A | N/A | ||||
| XXXX | XXXX | W26030347 | 305232481 | Closed | 2026-07-01 23:15 | 2026-07-07 09:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing disbursement date on final HUD-1 | Resolved-XXX-X Settlement Statement with Disbursement Date added to page X of the Final XXX-X provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXX-X Settlement Statement reflects a closing date of XX/XX/XXXX but does not identify a disbursement date on page X. Per diem interest disclosed on Line XXX (XX/XX/XXXX – XX/XX/XXXX) indicates funds were disbursed on XX/XX/XXXX. Additionally, the file contains a certification addendum to the XXX-X executed by the borrower and settlement agent on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXX-X Settlement Statement with Disbursement Date added to page X of the Final XXX-X provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX - XXXXXXXXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10033752 | N/A | N/A | ||
| XXXX | XXXX | W26030347 | 305232481 | Closed | 2026-07-01 01:58 | 2026-07-06 23:09 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XX (Fannie XXX) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached XXX / XXX with score of X - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and XX Score, if present, is greater than X.X Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see attached XXX / XXX with score of X - Seller-XX/XX/XXXX |
Resolved-XX (Fannie XXX) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXX _XXXXX X.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10014569 | N/A | N/A | ||
| XXXX | XXXX | W26030341 | 305232482 | Closed | 2026-07-01 16:30 | 2026-07-02 08:11 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing disbursement date on final HUD-1 | Resolved-Settlement Statement provided with Xst page reflecting the Disbursement Date of XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXX-X Settlement Statement reflects a closing date of XX/XX/XXXX but does not identify a disbursement date on page X. Per diem interest disclosed on Line XXX (XX/XX/XXXX – XX/XX/XXXX) indicates funds were disbursed on XX/XX/XXXX. Additionally, the file contains a certification addendum to the XXX-X executed by the borrower and settlement agent on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Settlement Statement provided with Xst page reflecting the Disbursement Date of XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX XXXXXXXXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10029995 | N/A | N/A | ||
| XXXX | XXXX | W26030341 | 305232482 | Closed | 2026-06-30 08:39 | 2026-07-01 14:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided Provide complete hazard document details . - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 9998836 | N/A | N/A | ||||
| XXXX | XXXX | W26030345 | 305232483 | Closed | 2026-07-01 18:41 | 2026-07-07 09:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing disbursement date on final HUD-1 | Resolved-XXX-X Settlement Statement with Disbursement Date added to page X of the Final XXX-X provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXX-X Settlement Statement reflects a closing date of XX/XX/XXXX but does not identify a disbursement date on page X. Per diem interest disclosed on Line XXX (XX/XX/XXXX – XX/XX/XXXX) indicates funds were disbursed on XX/XX/XXXX. Additionally, the file contains a certification addendum to the XXX-X executed by the borrower and settlement agent on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXX-X Settlement Statement with Disbursement Date added to page X of the Final XXX-X provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX - XXXXXXXXXX XXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10031500 | N/A | N/A | ||
| XXXX | XXXX | W26060105 | 305232601 | Closed | 2026-07-02 06:47 | 2026-07-09 10:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Third Party Fraud Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10038455 | N/A | N/A | ||
| XXXX | XXXX | W26060105 | 305232601 | Closed | 2026-07-02 08:33 | 2026-07-08 23:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Primary Housing is verified to be owned Free & Clear and the uploaded first payment letter for the new XXXXXXXXXX loan to support the qualifying payment used of $X,XXX.XX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Primary Mortgage or Current Rent History unable to Verity hence added finding for Housing History Meets G/L Requirements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Primary Housing is verified to be owned Free & Clear and the uploaded first payment letter for the new XXXXXXXXXX loan to support the qualifying payment used of $X,XXX.XX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XX XXXXXXXX XX XXXXXXX XXXXXXX XXXXXXX.XXX XXXXXXX XXXXXXX XXXXXXXXX XXX XXXX.XXX XXXXX XXXXXXX XXXXXX XXX XXX XXXXXXXX XXX XXXXXXX XXXXXXXXX XXXXXX XXXXXXXXXXXX.XXX XXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX XX XXXX X-X.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10039728 | N/A | N/A | ||
| XXXX | XXXX | W26060105 | 305232601 | Closed | 2026-07-02 07:24 | 2026-07-08 01:59 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Executed copy of Initial XXXX uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Initial XXXX is Missing. On page#XXXX we have the initial XXXX but borrower sign and LO sign is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Executed copy of Initial XXXX uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10038888 | N/A | N/A | ||
| XXXX | XXXX | 305232712 | Closed | 2026-07-07 06:16 | 2026-07-23 21:09 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Open-The Note is Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10089230 | N/A | N/A | |||||
| XXXX | XXXX | 305232712 | Closed | 2026-07-07 06:59 | 2026-07-23 21:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Received settlement statement - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Missing closing CD / ALT A/ HUD X - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received settlement statement - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX_XXXXXXXXXX_XXXXX_-_XXXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10089881 | N/A | N/A | |||
| XXXX | XXXX | 305232712 | Closed | 2026-07-07 06:42 | 2026-07-23 21:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Missing Business Purpose Affidavit Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX |
_XXXXXXXX_.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10089590 | N/A | N/A | |||
| XXXX | XXXX | 305232712 | Closed | 2026-07-07 07:47 | 2026-07-23 21:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXX received - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Most recent XXXX is missing in the file, as per PHL guidelines a final XXXX is required to be in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-XXXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXX received - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10090928 | N/A | N/A | |||
| XXXX | XXXX | 305232712 | Closed | 2026-07-08 11:50 | 2026-07-23 14:45 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Waived-Lender provided waiver from buyer. Under the https://www.dhs.gov/visa-waiver-program the UK is eligible for a VISA waiver combined with an unexpired EAD card in the file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see updated rebuttal - Seller-XX/XX/XXXX Counter-Received was a copy of the EAD and LOX. Missing a copy of the unexpired Temp Visa EX in the file as stated in the exception request for loan amount and primary residence pay history. OR an employment letter to accompany the EAD card as the VIA received was expired to the NOTE, as required per guidelines. PG XX of the * Planet Non-QM Program Guidelines *Non-Permanent Resident Aliens * Requirements & Documentation * If the visa expires within six (X) months of note date, 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) is acceptable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Hello see attached rebuttal I have gone into the Non QM Guidelines for Planet and have pasted what the requirements are. there is nothing that states you need the document AND proof of employment. - Seller-XX/XX/XXXX Counter-Received was another copy of the EAD as the VISA in the file is expired. Received also was a copy of an email stating there is an exception, but a copy of the exception was not received. In order to use the EAD as ID, an employment letter accompany the card in order to use the work authorization photo ID. Received was a copy of the employment authorization card. Missing an employment letter to use the work authorization photo ID , as the VISA is expired, as per PG XX of the * Planet Non-QM Program Guidelines *Non-Permanent Resident Aliens * Requirements & Documentation * If the visa expires within six (X) months of note date, 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) is acceptable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-the snippet in the rebuttal shows this document is acceptable with no other information needed. please clear based on what we have it meets the guidelines. - Seller-XX/XX/XXXX Counter-Received an LOE stating the Borrower has a new Temp VISA with a copy of the EAD, but a copy of the new Temp VISA was not attached. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. exception in file see rebuttal notes - Seller-XX/XX/XXXX Counter-In order to use the EAD as ID, an employment letter accompany the card in order to use the work authorization photo ID. Received was a copy of the employment authorization card. Missing an employment letter to use the work authorization photo ID , as the VISA is expired - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. the EAD is not expired shows expires XX.XX.XXXX. this should be in the loan file uploaded as well. - Seller-XX/XX/XXXX Open-Missing an employment letter to use the work authorization photo ID , as the VISA is expired - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see updated rebuttal - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Hello see attached rebuttal I have gone into the Non QM Guidelines for Planet and have pasted what the requirements are. there is nothing that states you need the document AND proof of employment. - Seller-XX/XX/XXXX Ready for Review-the snippet in the rebuttal shows this document is acceptable with no other information needed. please clear based on what we have it meets the guidelines. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. exception in file see rebuttal notes - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. the EAD is not expired shows expires XX.XX.XXXX. this should be in the loan file uploaded as well. - Seller-XX/XX/XXXX |
Waived-Lender provided waiver from buyer. Under the https://www.dhs.gov/visa-waiver-program the UK is eligible for a VISA waiver combined with an unexpired EAD card in the file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX_XXXXX.XXX XXXXXXXX.XXX XXXXXXXXX.XXX XXX.XXX |
XX.XX% LTV is below the maximum XX% LTV byX.XX%. XXX Representative credit score exceeds the minimum required credit score of XXX by XX Points. $X,XXX,XXX.XX reserves exceed the minimum required of$XXX,XXX.XX exceeds the minimum by XXXXXXX.XX or XX months over the required minimum of XX. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10123558 | Investor Post-Close | No | ||
| XXXX | XXXX | 305232712 | Closed | 2026-07-08 10:47 | 2026-07-22 12:19 | Waived | 2 - Non-Material | B | B | Credit | Doc Issue | VOM or VOR missing/required | Waived- - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Exception Request Details: Bwr resides between US & XXXX. Bwr purchased this property X yrs ago w/ hard money loan. Recently renovated subject property, but now has a long term lease which started X mo. Ago. Bwr has well established credit. Bwr has a temp visa (EX) & received a renewed EAD (cpo) through XXXX.XX.XX --- requesting to waive housing history for primary residence since we have payment history on subject. Exception for loan amount approved subject to acceptable reliance letter with a B grade or higher. Evidence borrower has an approved EAD that meets guidelines. Documentation supporting compensating factors noted above. Approval based on acceptance and any pricing adjustments needed from Cap Markets. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see the exception showing no housing required per PHL - Seller-XX/XX/XXXX Counter-Received was an email conversation stating a VOM was not required for the primary in AUS. Please obtain an exception from XXXX. Per guidelines Mortgage/Rental History Per DU, the mortgage/rental rating cannot have any ≥ XX-day lates in the previous XX months. NOTE: If DU allows any delinquencies, a satisfactory explanation of the delinquency is required and is subject to underwriter review and acceptance. Thecreditreport must reflect the most recent XX-month activity. Mortgagemustbecurrentfor the month closing. Copiesofrentchecks are required to document rental payment history per DU results in lieu of rent checks, at the underwriter's discretion, the following may be acceptable: n Adirect verification of rent (VOR) provided by a professional management company, or n Copies of money orders. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see rebuttal notes and exception already in file - Seller-XX/XX/XXXX Open-Missing a VOM/VOR / documentation verifying the primary residence is owed free and clear/ lives rent free for XXX XXXX as XX mo pay history is required for the primary residence. - pg XXX of guidelines. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see the exception showing no housing required per PHL - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. see rebuttal notes and exception already in file - Seller-XX/XX/XXXX |
XXXXXXXX.XXX XXXXXXXXX XX XXXXXXX.XXX |
XX.XX% LTV is below the maximum XX% LTV byX.XX%. XXX Representative credit score exceeds the minimum required credit score of XXX by XX Points. $X,XXX,XXX.XX reserves exceed the minimum required of$XXX,XXX.XX exceeds the minimum by XXXXXXX.XX or XX months over the required minimum of XX. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10121420 | Originator Post-Close | Yes | |||
| XXXX | XXXX | 305232712 | Closed | 2026-07-07 07:55 | 2026-07-10 18:47 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount. | Waived-Waiver in file. - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Received updated exception for the loan amount to be $XXXXXXX.XX. As the one in the file is for X,XXX,XXX.XX Exception for loan amount approved subject to acceptable reliance letter with a B grade or higher. Evidence borrower has an approved EAD that meets guidelines. Documentation supporting compensating factors noted above. Approval based on acceptance and any pricing adjustments needed from Cap Markets. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX.XX% LTV is below the maximum XX% LTV by X.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX Missing an updated exception for the loan amount to be $XXXXXXX.XX. As the one in the file is for X,XXX,XXX.XX Exception for loan amount approved subject to acceptable reliance letter with a B grade or higher. Evidence borrower has an approved EAD that meets guidelines. Documentation supporting compensating factors noted above. Approval based on acceptance and any pricing adjustments needed from Cap Markets. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Waiver in file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_XXXXXXXXX_-_XX.XXX | XXX Representative credit score exceeds the minimum required of XXX by XX points. XX.XX months reserves exceed the minimum required of XX months which exceeds the minimum by XX.XX months over the required minimum. XX.XX% LTV is below the maximum XX% LTV by X.XX%. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10091152 | Originator Pre-Close | Yes | ||
| XXXX | XXXX | 305232639 | Closed | 2026-07-10 12:51 | 2026-07-16 09:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Received XX months pay history for the BXs primary residence. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. i pulled together all the documents in one bundle. There are documents translating the original docs as borrower lives out of country. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Missing VOR for the BX primary address pay history. MORTGAGE AND RENTAL PAYMENT VERIFICATION :The mortgage/rental history on both the borrower’s or guarantor’s primary residence and the subject property are required (if applicable, i.e., refinance). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. i pulled together all the documents in one bundle. There are documents translating the original docs as borrower lives out of country. - Seller-XX/XX/XXXX |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Resolved-Received XX months pay history for the BXs primary residence. - Due Diligence Vendor-XX/XX/XXXX |
X-XXXXXXXXXX-XXXXXX XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 10181385 | N/A | N/A | |||
| XXXX | XXXX | 305155475 | Closed | 2026-07-07 02:31 | 2026-07-21 02:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Requested Business Narrative provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Business Narrative LOX and letter from borrower - Due Diligence Vendor-XX/XX/XXXX Open-SE Business Narrative is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested Business Narrative provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | 10085915 | N/A | N/A | ||||
| XXXX | XXXX | 305155475 | Closed | 2026-07-07 01:30 | 2026-07-14 23:14 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE uploaded, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-RCE for Homeowners Insurance - Due Diligence Vendor-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-RCE uploaded, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10085013 | N/A | N/A | ||||
| XXXX | XXXX | 305155475 | Closed | 2026-07-07 02:34 | 2026-07-07 15:09 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Permit acreage on rural property of XX.XX acres (Guidelines restrict to XX acres on rural). - Due Diligence Vendor-XX/XX/XXXX | Waived-Permit acreage on rural property of XX.XX acres (Guidelines restrict to XX acres on rural). - Due Diligence Vendor-XX/XX/XXXX |
XX% LTV is below the maximum XX% LTV by X%. Borrower has $XX,XXX residual income after all expenses. Minimum required per guideline is $X,XXX. XXX Representative credit score exceeds the minimum required of XXX by XXX points XX.XX% DTI is below the maximum XX% DTI by X.XX%. |
XXXX | Primary Residence | Purchase | NA | 10085935 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 305232588 | Closed | 2026-07-07 05:42 | 2026-07-21 17:47 | Resolved | 1 - Information | A | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Lender credit decreased on disclosure dated XX/XX/XXXX without valid COC. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the lender credits that cannot decrease test. ( XX CFR §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). COC applied - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-see attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the lender credits that cannot decrease test. ( XX CFR §XXXX.XX(e)(X)(i) )The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). COC applied - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10087774 | N/A | N/A | |||
| XXXX | XXXX | 305232588 | Closed | 2026-07-10 02:25 | 2026-07-21 17:44 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached not sure what happened I thought I pushed these. - Seller-XX/XX/XXXX Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX and XX/XX/XXXX. Provided documents show Date Rate Was Set XX/XX/XXXX, but a revised disclosure was not issued within three business days of that date as required. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (XX CFR §XXXX.XX(e)(X)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-see attached not sure what happened I thought I pushed these. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10164705 | N/A | N/A | ||||
| XXXX | XXXX | 305232588 | Closed | 2026-07-07 05:33 | 2026-07-21 17:32 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached not sure what happened I thought I pushed these. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see the coc attached with removal of lender credit due to lock extension fee. The increased loan amount is showing decrease in APR from last disclosed amount. Please advise. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). COC provided is missing Fee sheet attached. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X,XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). COC is required - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-see attached not sure what happened I thought I pushed these. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. see the coc attached with removal of lender credit due to lock extension fee. The increased loan amount is showing decrease in APR from last disclosed amount. Please advise. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10087561 | N/A | N/A | |||
| XXXX | XXXX | 305232588 | Closed | 2026-07-07 05:33 | 2026-07-21 17:32 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached not sure what happened I thought I pushed these. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Lender credit decreased on disclosure dated XX/XX/XXXX without valid COC. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. NON REIMBURSEMENT loans - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-see attached not sure what happened I thought I pushed these. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. NON REIMBURSEMENT loans - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10087562 | N/A | N/A | |||
| XXXX | XXXX | 305232588 | Closed | 2026-07-07 05:33 | 2026-07-21 17:32 | Resolved | 1 - Information | A | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Lender credit decreased on disclosure dated XX/XX/XXXX without valid COC. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. NON REIMBURSEMENT loans - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-see attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. NON REIMBURSEMENT loans - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10087563 | N/A | N/A | |||
| XXXX | XXXX | 305232588 | Closed | 2026-07-09 12:11 | 2026-07-14 12:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX provided - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Income is calculated off of P&L on page #XXX as $XXX,XXX.XX / XX = $XX,XXX.XX, Lender used $XX,XXX.XX on Final XXXX/XXXX but worksheet is missing from loan file - using lower income to qualify (please update income to match calculation) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Final XXXX provided - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX XXXXXX XXXXXXXXXXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10154460 | N/A | N/A | |||
| XXXX | XXXX | 305232588 | Closed | 2026-07-09 11:50 | 2026-07-14 12:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Final XXXX on page #XXX has the wrong loan amount of $XXX,XXX - loan closed with loan amount of $XXX,XXX. Income is calculated off of P&L on page #XXX as $XXX,XXX.XX / XX = $XX,XXX.XX, Lender used $XX,XXX.XX on Final XXXX/XXXX but worksheet is missing from loan file - using lower income to qualify (please update income to match calculation) please make sure DTI is updated as well with new income being used. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10153153 | N/A | N/A | |||
| XXXX | XXXX | 305232588 | Closed | 2026-07-09 11:59 | 2026-07-14 11:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Title received however, policy amount is not updated to match loan amount - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is missing Title Commitment missing from loan file - only title supplements provided for loan amount and item being removed - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXX_XXXXX_XXXXXX (X).XXX XXXXXXXXXXX XXXXXX_XXXXXXXXXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10153382 | N/A | N/A | |||
| XXXX | XXXX | 305232588 | Closed | 2026-07-09 11:59 | 2026-07-14 11:57 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Supplement provided has the loan amount of $XXX,XXX instead of actual loan amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXX XXXXXX_XXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10153383 | N/A | N/A | |||
| XXXX | XXXX | 305232588 | Closed | 2026-07-07 02:59 | 2026-07-14 07:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. income worksheet is missing in the file. provide the same - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Income worksheet provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10086210 | N/A | N/A | |||
| XXXX | XXXX | 305232588 | Closed | 2026-07-09 12:24 | 2026-07-10 09:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Evidence of Rate Lock Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX |
X-XXXXXXXXXX_XXXXXXX_XXX_XXXX_XXXXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10154788 | N/A | N/A | |||
| XXXX | XXXX | 305172399 | Closed | 2026-07-09 16:27 | 2026-07-16 18:12 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Replacement cost coverage is included. - Due Diligence Vendor-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' The Hazard Insurance Coverage Amount of $XXX,XXX is less than the RCE amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10160625 | N/A | N/A | ||||
| XXXX | XXXX | 305172399 | Closed | 2026-07-09 16:30 | 2026-07-16 18:08 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment provided with coverage of $XXX,XXX which matches the LA. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Title Commitment - Due Diligence Vendor-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage Amount of $XXX,XXX is Less than Loan Amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated Title Commitment provided with coverage of $XXX,XXX which matches the LA. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10160682 | N/A | N/A | ||||
| XXXX | XXXX | 305188932 | Closed | 2026-07-02 01:07 | 2026-08-05 14:11 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Exception approved comp factors updated. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Provide verification for housing, Unable to verify housing history. Provide sufficient documentation to verify XX months of primary housing payment history. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX.XXX | XXX FICO DSCR ratio of X.XXX exceeds the minimum requirement of X by X.XXX points. |
XXXX | Investment | Refinance | Cash Out - Other | 10034621 | Originator Post-Close | No | |||
| XXXX | XXXX | CL2026060282 | 305189000 | Closed | 2026-07-06 07:56 | 2026-07-16 07:31 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 7 Does Not Meet Guideline Requirements | Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Counter-Upon review of the updated XXXX, acct ending -XXXX iao $X,XXX.XX is a duplicate and appears as a XXXX acct and a XXXX acct. Provide the supporting documentation for the XXXX acct ending -XXXX iao $XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated XXXX provided with removal of HELOC assets. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Asset X Does Not Meet Guideline Requirements require supporting documents for PROCEEDS FROM HELOC amount of $XX,XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Asset X Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Updated XXXX provided with removal of HELOC assets. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXXX_XXXXXXX XXXX.XXX XXXXX_XXXXXX-XXXXXXXX_XXXX.XXX |
XXXX | Second Home | Purchase | NA | 10060670 | N/A | N/A | ||
| XXXX | XXXX | 305169794 | Closed | 2026-07-08 02:18 | 2026-07-17 03:35 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-HOI Policy in the file on page #XXX comes with replacement cost, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-LOX Replacement Cost - Due Diligence Vendor-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Dwelling Coverage A amount is less than Loan amount. No RCE in file. Need Updated Hazard Policy - Due Diligence Vendor-XX/XX/XXXX |
Resolved-HOI Policy in the file on page #XXX comes with replacement cost, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10109109 | N/A | N/A | ||||
| XXXX | XXXX | 305169794 | Closed | 2026-07-08 02:57 | 2026-07-16 02:00 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-f cd - Due Diligence Vendor-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final CD provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10109522 | N/A | N/A | ||||
| XXXX | XXXX | 305167904 | Closed | 2026-07-09 05:21 | 2026-07-21 11:38 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation CDA uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Per XXXX guidelines dated X/XX/XX, An appraisal review product is required on every loan unless a second appraisal is obtained. The Desk review on page#XXX risk score is indeterminate. Missing valid appraisal review product. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Secondary Valuation CDA uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXXXXX XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10143068 | N/A | N/A | ||||
| XXXX | XXXX | 305214962 | Closed | 2026-07-08 09:29 | 2026-07-15 14:03 | Resolved | 1 - Information | C | A | Compliance | Mavent | Fees: Limited | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. uploaded PCCD - Seller-XX/XX/XXXX Open-XXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW XX.XX; RCW XX.XX.XXX(XX)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. uploaded PCCD - Seller-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10119575 | N/A | N/A | |||
| XXXX | XXXX | 305182405 | Closed | 2026-07-13 17:57 | 2026-07-22 12:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Impound authorization confirms borrower is waiving escrows. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Loan is not escrowed. Escrow waiver missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Impound authorization confirms borrower is waiving escrows. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10216434 | N/A | N/A | |||
| XXXX | XXXX | 305182405 | Closed | 2026-07-10 16:09 | 2026-07-22 10:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided evidence of annual association dues. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing proof of non-escrowed amount $XX.XX for XXXX XXXXXXXX XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided evidence of annual association dues. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX-XXX_ XXXXX_XXX - XXXXXXXXXXXXX_XXXXXXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10185747 | N/A | N/A | |||
| XXXX | XXXX | 305141980 | Closed | 2026-07-08 04:19 | 2026-07-20 08:41 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Wire proof for Gift Funds uploaded, Asset Record X Meets G/L Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Evidence Title Received Wire for Gift - Due Diligence Vendor-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements There is no evidence in the file that the gift was deposited. Per guidelines, Verification must be provided showing that sufficient funds to cover the gift have been transferred to the borrower’s account. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Resolved-Wire proof for Gift Funds uploaded, Asset Record X Meets G/L Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10110573 | N/A | N/A | ||||
| XXXX | XXXX | 305141980 | Closed | 2026-07-08 04:19 | 2026-07-20 08:41 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Wire proof for Gift Funds uploaded, Asset Record X Meets G/L Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Evidence Title Received Wire for Gift - Due Diligence Vendor-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements There is no evidence in the file that the gift was deposited. Per guidelines, Verification must be provided showing that sufficient funds to cover the gift have been transferred to the borrower’s account. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Wire proof for Gift Funds uploaded, Asset Record X Meets G/L Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10110574 | N/A | N/A | ||||
| XXXX | XXXX | 305141980 | Closed | 2026-07-08 00:24 | 2026-07-15 03:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX document provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested XXXX document provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10108101 | N/A | N/A | ||||
| XXXX | XXXX | 305232795 | Closed | 2026-07-10 01:38 | 2026-07-20 16:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Missing gap report in file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10164074 | N/A | N/A | ||||
| XXXX | XXXX | 305232795 | Closed | 2026-07-10 03:23 | 2026-07-17 06:44 | Resolved | 1 - Information | C | A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Mortgage statement and tax, Insurance docs for other REO property provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Missing mortgage statement or additional documentation to verify the monthly mortgage payment for XXXX XXX XX X. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Mortgage statement and tax, Insurance docs for other REO property provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXXXXX XXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10165424 | N/A | N/A | ||||
| XXXX | XXXX | 305232795 | Closed | 2026-07-10 00:50 | 2026-07-17 01:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-The Deed of Trust is Missing Deed of trust missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Deed of Trust provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXXXXX XXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10163653 | N/A | N/A | ||||
| XXXX | XXXX | 305232815 | Closed | 2026-07-10 02:39 | 2026-08-10 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-Xrd Party VOE provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VVOE Missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-Xrd Party VOE provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXX'X.XXX | XXXX | Investment | Purchase | NA | 10164924 | N/A | N/A | |||
| XXXX | XXXX | 305232815 | Closed | 2026-07-10 02:39 | 2026-08-10 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 4 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-Xrd Party VOE provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X Xrd Party VVOE missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Resolved-Xrd Party VOE provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXX'X.XXX | XXXX | Investment | Purchase | NA | 10164925 | N/A | N/A | |||
| XXXX | XXXX | 305232815 | Closed | 2026-07-10 04:35 | 2026-08-10 11:10 | Waived | 2 - Non-Material | D | B | Property | Missing Doc | 1004D Completion Report is Missing | Waived-Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Counter-While the newer appraisal is marked 'as-is', the lower value appraisal (which more closely matches the sales price) remains deficient without a XXXXD completion report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Counter-Primary appraisal with value of $X,XXX,XXX dated XX/XX/XXXX is marked Subject to, please provide the XXXXD associated with this appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Document provided is the XXXX Individual Condo Report. Please provide the XXXXD associated with this appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Document is unable to be opened. Primary appraisal with value of $X,XXX,XXX dated XX/XX/XXXX is marked Subject to, please provide the XXXXD associated with this appraisal. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XXXXD Completion Report is Missing XXXXD appraisal Completion Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
Given the completion of the property, the updated "as is" appraisal, and the overall strength of the transaction, the XXXXD requirement was deemed unnecessary and has been waived. - XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXXX - XX XX.XXX XXX XXXXXXXXX - XX XX.XXX XXXXX XXXXXXXXX XXX XXX XXXXX.XXX XXXXXXX XXXX X XXXXXXXXX.XXX XXXXXXX XXX XXXXXXXXX.XXX XXXXXXX XXXXXXXXXX.XXX |
Audited FICO of XXX exceeds minimum of XXX Audited DTI of XX.XX% is below XX% maximum XX.XX months verified reserves exceed X month minimum Second full appraisal dated June XX, XXXX is marked 'as-is' and supports a value of $XM |
XXXX | Investment | Purchase | NA | 10166714 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 305232815 | Closed | 2026-07-10 05:45 | 2026-07-29 09:08 | Waived | 2 - Non-Material | C | B | Property | Property | Ineligible Property | Waived-Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Counter-Exception approval email provided is signed by a First Name only. Formal Exception signed by UW/Mgt including Title or Email Approval signed by UW/Mgt including title required. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Hello, to confirm the document I uploaded are you needing the email to be signed by the management? - Buyer-XX/XX/XXXX Counter-Provide exception signed by management with compensating factors, countered. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Non-Warrantable Condo. XXXXXX XXXX XXXXXXXX review and Approval missing. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXX XXXXXXXX.XXX XXXXXXXXX - XXXXXXX XXXXXXXXX.XXX |
XX.XX% DTI is below the maximum XX% DTI by XX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points |
XXXX | Investment | Purchase | NA | 10168518 | Originator Pre-Close | Yes | |||
| XXXX | XXXX | 305232815 | Closed | 2026-07-15 14:59 | 2026-07-23 12:06 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Filed Certificate received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Filed Certificate received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 10270501 | N/A | N/A | |||
| XXXX | XXXX | 305232815 | Closed | 2026-07-10 02:08 | 2026-07-17 06:40 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXXX is Less than Loan Amount $X,XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Title Document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXXXX XXXXX XXXXXX.XXX | XXXX | Investment | Purchase | NA | 10164454 | N/A | N/A | ||||
| XXXX | XXXX | 305148759 | Closed | 2026-07-08 02:22 | 2026-07-21 13:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Initial Disclosures - Due Diligence Vendor-XX/XX/XXXX Open-TRID: Missing Closing Disclosure To run compliance, we need Initial LE, Initial CD, Final CD. In this initial CD is missing. Need Initial CD and related COC's if applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10109143 | N/A | N/A | |||||
| XXXX | XXXX | 305148759 | Closed | 2026-07-08 01:50 | 2026-07-21 13:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-final CD - Due Diligence Vendor-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Under Loan Disclosure in the Final CD, the assumption section is not selected. Discount Point Fee Disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10108812 | N/A | N/A | |||||
| XXXX | XXXX | 305148759 | Closed | 2026-07-09 13:16 | 2026-07-21 13:26 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Initial CD is missing - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10156028 | N/A | N/A | |||||
| XXXX | XXXX | 305148759 | Closed | 2026-07-09 13:16 | 2026-07-20 00:54 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). 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. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) Initial CD is missing. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10156029 | N/A | N/A | |||||
| XXXX | XXXX | W26050418 | 305232521 | Closed | 2026-07-13 13:44 | 2026-08-05 08:39 | Resolved | 1 - Information | C | A | Credit | Credit | Missing verbal verification of employment | Resolved-Lender provided VVOE for IHSS employment. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Please refer to loan #XXXXXXXXX in which a wvoe was obtained by IHSS. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per XXXXXXX Guidelines dated XX/XX/XXXX, section X.X.X.X A YTD paystub dated within XX days of Note date; or A verbal VOE dated no more than XX calendar days prior to Note date. Sellers may use any type of verification form. For the IHSS employment, the most recent paystub is dated XX/XX/XXXX and the note date is XX/XX/XXXX. Missing A verbal VOE dated no more than XX calendar days prior to Note date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided VVOE for IHSS employment. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10210246 | N/A | N/A | ||
| XXXX | XXXX | CL2026061368 | 305188989 | Closed | 2026-07-15 09:57 | 2026-07-20 16:30 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Waived- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXX - XXX XXXXX VS. X XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-exception - Seller-XX/XX/XXXX Escalated-Asset Record X Does Not Meet X/X Requirements Asset Acct #XXXX missing Xnd month statement required by GL's. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-exception - Seller-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXXX_XXXXXXXXX XXXXXX XXXXXXXXX.XXX | Borrower has been employed at current job for X years. XXX Representative credit score exceeds the minimum required of XXX by XX points. XX.XX% DTI is below the maximum XX% DTI by XX.XX%. |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10261783 | Investor Post-Close | No | ||
| XXXX | XXXX | CL2026061368 | 305188989 | Closed | 2026-07-09 03:41 | 2026-07-15 02:27 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-RCE document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-HOI with RCE - Seller-XX/XX/XXXX Open-Dwelling coverage of $XXX,XXX is insufficient for loan amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-HOI with RCE - Seller-XX/XX/XXXX |
Resolved-RCE document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXXX_XXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10141485 | N/A | N/A | ||
| XXXX | XXXX | W26060065 | 305232654 | Closed | 2026-07-15 13:11 | 2026-07-15 13:11 | Resolved | 1 - Information | A | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-Lender did not count the $X,XXX.XX annual ($XXX.XX) Property taxes in the DSCR calculation, and the Lender considered only $XXX in HOA dues, whereas the Appraisal and the Condo Questionnaire and the Billing Statement show $XXX. Audit PITIA = $X,XXX.XX P&I + $XX.XX Insurance + $XXX.XX Taxes + $XXX HOA = $X,XXX.XX. Audit DSCR = $X,XXX Rent / $X,XXX.XX PITIA = X.XXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Lender did not count the $X,XXX.XX annual ($XXX.XX) Property taxes in the DSCR calculation, and the Lender considered only $XXX in HOA dues, whereas the Appraisal and the Condo Questionnaire and the Billing Statement show $XXX. Audit PITIA = $X,XXX.XX P&I + $XX.XX Insurance + $XXX.XX Taxes + $XXX HOA = $X,XXX.XX. Audit DSCR = $X,XXX Rent / $X,XXX.XX PITIA = X.XXXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 10267348 | N/A | N/A | ||||
| XXXX | XXXX | W26060129 | 305232656 | Closed | 2026-07-09 10:17 | 2026-07-20 09:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. On Final HUD-X pg#XXX the total of XXX line is showing $X,XXX,XXX.XX, whereas no other values are showing in adjustments including EMD, however borrower is getting cash at closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXXX XXXXXXXXX (X).XXX | XXXX | Investment | Purchase | NA | 10151262 | N/A | N/A | ||
| XXXX | XXXX | 305156808 | Closed | 2026-07-14 00:49 | 2026-07-21 02:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10220421 | N/A | N/A | ||||
| XXXX | XXXX | CL2026061960 | 305191872 | Closed | 2026-07-15 14:15 | 2026-07-20 13:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Delayed financing documents provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Additional documentation to support source of funds - Seller-XX/XX/XXXX Open-Loan does not conform to program guidelines Guidelines state for delayed financing the source of funds for the purchase transaction are documented (such as bank statements, personal loan documents, or a HELOC on another property). Documentation is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Additional documentation to support source of funds - Seller-XX/XX/XXXX |
Resolved-Delayed financing documents provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXXX_XXXXXXX XXXXXXXXX.XXX XXXXX_XXXXXX-XXXXXXXX_XXXXXXXX - XXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10268887 | N/A | N/A | ||
| XXXX | XXXX | CL2026061375 | 305191875 | Closed | 2026-07-14 02:55 | 2026-07-20 01:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self employed business narrative provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Narrative doc is missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Self employed business narrative provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXXX_XXXX XXXXXXXXX XXXXXXXX XXXXXXXX XXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10221849 | N/A | N/A | ||
| XXXX | XXXX | 305096743 | Closed | 2026-07-14 05:25 | 2026-07-29 12:37 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-COC provided - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-CD COC - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A Change in Circumstance is required for the Lender Credits IAO XXX added to the final CD on X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-COC provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10223351 | N/A | N/A | ||||
| XXXX | XXXX | 305096743 | Closed | 2026-07-14 04:08 | 2026-07-29 12:35 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-HOI policy states that Expanded Restoration Cost Coverage is part of the policy, B-XXX.XX-B. Additionally, the agency has confirmed over the phone that XXX% replacement cost is within the policy. - Due Diligence Vendor-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' - Due Diligence Vendor-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10222483 | N/A | N/A | |||||
| XXXX | XXXX | 305096743 | Closed | 2026-07-14 06:01 | 2026-07-24 01:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Discrepancy in tax amount in final CD and XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XXXX document provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10225176 | N/A | N/A | ||||
| XXXX | XXXX | 305188925 | Closed | 2026-07-20 17:49 | 2026-08-11 17:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-The Final CD was clarified showing the cash back was $XX,XXX.XX - resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The final CD is the one with the bottom line of $XX,XXX.XX, please see attached. thank you - Buyer-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure There are X CD’s with a Date Issued of X/X/XXXX, Closing Date of X/X/XXXX, and Disbursement Date of X/XX/XXXX that are both signed by the borrower but have differing amounts of Cash to Borrower. Need confirmation as to which is the Final CD. The one on p XXX reflects Cash to Borrower of $XX,XXX.XX and the one on p XXX reflects Cash to Borrower of $XX,XXX.XX. The time stamp is cut off the bottom of both CD’s so unable to determine. Need confirmation so data entry can be confirmed. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Final CD was clarified showing the cash back was $XX,XXX.XX - resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10363567 | N/A | N/A | ||||
| XXXX | XXXX | 305188925 | Closed | 2026-07-14 02:03 | 2026-08-11 17:24 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Estimated Taxes, Insurance, & Assessments "In escrow? is incomplete or inaccurate " | Resolved-The taxes and homeowner issue payment were clarified and the diligence final look has captured them correctly. The PCCD just show the corrected amount and nothing else changed. - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXX.XX annual premium is correct at the time of closing. Our servicing department will adjust the HOI escrow accordingly. - Buyer-XX/XX/XXXX Open-Insurance premium amount provided in Final CD is not matching with the Hazard insurance document. The Hazard Insurance Premium is $XXX as reflected on the Dec Page which equates to $XX.XX/month. The Final CD reflects the Hazard Insurance Premium of $XXX in Section F.XX which equates to $XX.XX/month. The amount of $XX.XX is reflected on the First Payment Letter as well. Need confirmation on which is correct and the corrected documentation on the one that is incorrect. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The taxes and homeowner issue payment were clarified and the diligence final look has captured them correctly. The PCCD just show the corrected amount and nothing else changed. - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX XXXXX XXXXXXX XXXXXX XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10221294 | N/A | N/A | ||||
| XXXX | XXXX | 305188925 | Closed | 2026-07-20 17:50 | 2026-08-11 17:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-The business purpose and Occupancy Affidavit states that "the loan applied for is not to be used for personal, family or household purpose. - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. We do not require a cash out letter for DSCR. Business purpose and occupancy outlines the business purpose. please rescind. - Buyer-XX/XX/XXXX Open-The Cash Out letter is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The business purpose and Occupancy Affidavit states that "the loan applied for is not to be used for personal, family or household purpose. - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXX XXX XXXXXXXXX XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10363580 | N/A | N/A | ||||
| XXXX | XXXX | 305188925 | Closed | 2026-07-20 17:24 | 2026-07-20 17:25 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception approval to allow loan #XX for same guarantor. May proceed at XX% - however any further loans for same guarantor will be capped at XX% LTV. Exception on page# XXX - Due Diligence Vendor-XX/XX/XXXX |
Waived-Loan does not conform to program guidelines Exception approval to allow loan #XX for same guarantor. May proceed at XX% - however any further loans for same guarantor will be capped at XX% LTV. Exception on page# XXX - Due Diligence Vendor-XX/XX/XXXX |
DSCR ratio of X.XXX exceeds the minimum requirement of X by X.XXX points. | XXXX | Investment | Refinance | Cash Out - Other | 10362542 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 305178460 | Closed | 2026-07-15 01:06 | 2026-07-24 03:34 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Commercial BPO provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. BPO attached - Buyer-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The Commercial BPO is missing. Per GL Matrix, One (X) full appraisal - acceptable forms below - and a Commercial BPO are required on all properties. The Appraisal Type is FHLMC XXXXX and required documents are included on this X Unit property; however, the Commercial BPO is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Commercial BPO provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX_XXXXX_XXXXXXXXXX XXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10250206 | N/A | N/A | ||||
| XXXX | XXXX | W26060520 | 305232489 | Closed | 2026-07-20 08:46 | 2026-07-21 08:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Final Settlement Statement provided that does show the EMD. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. The HUD-X statement in the file does not reflect the $XX,XXX deposit stated on the purchase contract. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Final Settlement Statement provided that does show the EMD. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXXX XXXXXXXXX (XX).XXX | XXXX | Investment | Purchase | NA | 10348759 | N/A | N/A | ||
| XXXX | XXXX | 305147599 | Closed | 2026-07-14 04:08 | 2026-07-15 03:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Borrower loan acceptance agreement uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-borrower loan acceptance agreement uploaded - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX document is missing from the loan file. XXXX document is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower loan acceptance agreement uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10222472 | N/A | N/A | ||||
| XXXX | XXXX | 305172150 | Closed | 2026-07-23 07:50 | 2026-07-30 16:46 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC and CD uploaded - Buyer-XX/XX/XXXX Open-This loan failed the charges that cannot increase test due to the points fee that increased when the final CD was issued without a vaslid change in circumstance. There is no evidence of reimbursement on file. Upload a valid COC, or to cure upload refund check, PCCD, LOE, and POD shipping envelope. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-x - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please clarify. What fees are out of compliance? - Buyer-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. x - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXX XXXXXX XXXX XXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10423360 | N/A | N/A | ||||
| XXXX | XXXX | 305172150 | Closed | 2026-07-28 09:38 | 2026-07-30 16:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. LE sent after lock uploaded, this was also in the closing package. - Seller-XX/XX/XXXX Open-Initial LE is not locked. Provide rate lock (revised) LE. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. LE sent after lock uploaded, this was also in the closing package. - Seller-XX/XX/XXXX |
Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXX XXXXXXXX XXXX X-X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10488884 | N/A | N/A | |||
| XXXX | XXXX | 305172150 | Closed | 2026-07-15 07:51 | 2026-07-29 19:02 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX approves exception - Buyer-XX/XX/XXXX Open-Exception #XXXX Exception for <X log home compos is approved. Appraiser provided X log comp along with X more of similar design/appeal to support FMV and marketability. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XX% LTV is below the maximum XX% LTV by XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points X.XX% DTI is below the maximum XX% DTI by XX.XX%. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10258662 | N/A | N/A | ||||
| XXXX | XXXX | 305172150 | Closed | 2026-07-29 19:02 | 2026-07-29 19:02 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Open-Loan does not conform to program guidelines Exception #XXXX Exception for <X log home compos is approved. Appraiser provided X log comp along with X more of similar design/appeal to support FMV and marketability. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XX% LTV is below the maximum XX% LTV by XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points X.XX% DTI is below the maximum XX% DTI by XX.XX%. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10523477 | Investor Post-Close | No | ||||
| XXXX | XXXX | 305172150 | Closed | 2026-07-15 07:55 | 2026-07-29 19:00 | Waived | 2 - Non-Material | C | B | Property | Appraisal | Collateral Documentation | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX approves exception - Buyer-XX/XX/XXXX Open-Exception on page#XXXX Exception for agricultural zoning is approved. The subject parcel is not being used for agricultural purposes and contains no agricultural features. Location is a residential area, with recent comps within a X mile radius. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XX% LTV is below the maximum XX% LTV by XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points X.XX% DTI is below the maximum XX% DTI by XX.XX%. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10258717 | Investor Post-Close | No | ||||
| XXXX | XXXX | 305172150 | Closed | 2026-07-23 07:54 | 2026-07-28 07:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right to Cancel is Missing or Unexecuted | Resolved-Right to cancel paperwork provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Right to Cancel forms from the closing package uploaded - Buyer-XX/XX/XXXX Open-Missing Right to Cancel. Unable to run compliance until then. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Right to cancel paperwork provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXX XX XXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10423414 | N/A | N/A | ||||
| XXXX | XXXX | 305172150 | Closed | 2026-07-15 04:49 | 2026-07-28 07:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Counter-No document was uploaded. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-VOM from XXXX used by UW uploaded - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Housing history verified only X months required more months to meet the guidelines. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX Ready for Review-VOM from XXXX used by UW uploaded - Seller-XX/XX/XXXX |
Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXX XXXXX XXXXXXXXX XX - XXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10252515 | N/A | N/A | |||
| XXXX | XXXX | 305172150 | Closed | 2026-07-15 23:30 | 2026-07-23 07:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Received initial CD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Initial CD from package uploaded - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Missing Initial Closing disclosure in loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Initial CD from package uploaded - Seller-XX/XX/XXXX |
Resolved-Received initial CD - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXXXX XX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10279492 | N/A | N/A | |||
| XXXX | XXXX | 305172150 | Closed | 2026-07-15 05:44 | 2026-07-23 07:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. April Bk Statement from package uploaded - Seller-XX/XX/XXXX Open-Borrower X Business Bank Statements Missing Latest bank statement XX/XX/XXXX is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. April Bk Statement from package uploaded - Seller-XX/XX/XXXX |
Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXX XXXXXXXXX XXXX XXXXX - XXX,XXX.XX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10255482 | N/A | N/A | |||
| XXXX | XXXX | 305172150 | Closed | 2026-07-15 07:29 | 2026-07-23 07:46 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Received consumer caution. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. HO Counseling Dis from package uploaded - Buyer-XX/XX/XXXX Open-Homeowner Counselling is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received consumer caution. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXX-XXXXXXXXX XXXXXXXXXX XXXXXXXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10258144 | N/A | N/A | ||||
| XXXX | XXXX | 305172150 | Closed | 2026-07-15 07:14 | 2026-07-23 07:44 | Resolved | 1 - Information | D | A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Received intent to proceed. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Int to Pro from package uploaded - Buyer-XX/XX/XXXX Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. As subject property is primary residence Intent to proceed is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Received intent to proceed. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10257735 | N/A | N/A | ||||
| XXXX | XXXX | 305172150 | Closed | 2026-07-15 05:11 | 2026-07-23 07:12 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated fraud report with cleared alerts and processor cert provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Reports and Processor Certs covering Alerts from package uploaded. - Buyer-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Fraud report has alerts lox provided on page#XXX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated fraud report with cleared alerts and processor cert provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXX XXXXXXX XXX XXXXXXXXX XXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10252677 | N/A | N/A | ||||
| XXXX | XXXX | 305172150 | Closed | 2026-07-15 05:22 | 2026-07-23 03:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final Closing Disclosure uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final CD from package uploaded - Buyer-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing Final CD in the file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Final Closing Disclosure uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXX XX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10252771 | N/A | N/A | ||||
| XXXX | XXXX | 305172150 | Closed | 2026-07-15 03:07 | 2026-07-23 01:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-Requested Note provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Note for package uploaded - Buyer-XX/XX/XXXX Open-The Note is Missing Note document is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested Note provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXX XXXXXXX - XXXXXX XXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10251610 | N/A | N/A | ||||
| XXXX | XXXX | 305172150 | Closed | 2026-07-15 03:08 | 2026-07-23 01:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Requested deed of trust provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. DOT from package uploaded - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Deed of Trust is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. DOT from package uploaded - Seller-XX/XX/XXXX |
Resolved-Requested deed of trust provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXX XXXXXXX - XXXXXX XXXXXXXX _ XXXX XX XXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10251644 | N/A | N/A | |||
| XXXX | XXXX | 305172150 | Closed | 2026-07-15 07:16 | 2026-07-23 00:14 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Settlement Service provider list provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Provider list from package uploaded - Buyer-XX/XX/XXXX Open-Service provider is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Settlement Service provider list provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXXXXXXX XXXXXXX XXXXXXXX XXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10257769 | N/A | N/A | ||||
| XXXX | XXXX | 305137082 | Closed | 2026-07-16 04:52 | 2026-07-29 17:58 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset Qualifications do not meet requirements. | Waived-Exception approved. - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Unable to Resolve-XX agrees with this exception - Buyer-XX/XX/XXXX Open-Asset Qualification Does Not Meet XXXXXXXXX Requirements Exception provide on page #XXXX - for seller contribution to exceed XX% is approved. Seller contribution is $XX,XXX (X.X%) - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception approved. - Due Diligence Vendor-XX/XX/XXXX |
XX% LTV is below the maximum XX% LTV by X%. XXX Representative credit score exceeds the minimum required of XXX by XX points DSCR ratio of X.XXX exceeds the minimum requirement of X by X.XXX points. |
XXXX | Investment | Purchase | NA | 10281920 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | W26050562 | 305241195 | Closed | 2026-07-20 15:01 | 2026-08-10 09:38 | Resolved | 1 - Information | D | A | Credit | Eligibility | Prepayment Penalty Does Not Meet Guideline Requirements | Resolved-Per XXXXXXXXXX XXXXXXXXXXXX requirements in Section X.X.X Listing Seasoning, for investment properties a listing expiration of less than six (X) months is permitted with a minimum prepayment penalty of three (X) years. Exception for X month PPP was APPROVED, signed and dated on XX/XX/XXXX. Originator exception approval provided in Findings. Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Hello, Our CLTV is XX.XXX - We are under XX% - Seller-XX/XX/XXXX Counter-Unable to waive exception as there is only evidence of X compensating factor: $XXX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum. Per the change of guidelines to DSCR No Ratio, the maximum LTV is XX% with a XXX minimum FICO score. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per XXXXXXXXXX XXXXXXXXXXXX requirements in Section X.X.X Listing Seasoning, for investment properties a listing expiration of less than six (X) months is permitted with a minimum prepayment penalty of three (X) years. The appraisal, page XX, states the subject property was listed for sale on XX/XX/XXXX for XX days with Original List price of $XXX,XXX and reduced to $XXX,XXX. If a property is listed for sale, the listing must be cancelled prior to the note date. Prepayment penalty of X months does not meet XXXXXXXXX requirements. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Hello, Our CLTV is XX.XXX - We are under XX% - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Per XXXXXXXXXX XXXXXXXXXXXX requirements in Section X.X.X Listing Seasoning, for investment properties a listing expiration of less than six (X) months is permitted with a minimum prepayment penalty of three (X) years. Exception for X month PPP was APPROVED, signed and dated on XX/XX/XXXX. Originator exception approval provided in Findings. Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXXX XXXXXXX XXXX.XXX XXX XXXXXXXXX XXXXXXX XXXX.XXX |
$XXX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum. XxXX mortgage history for XX months. Investor has X.XXXXXXXXX years of experience with investment properties. |
XXXX | Investment | Refinance | Cash Out - Other | 10359255 | N/A | N/A | |
| XXXX | XXXX | W26050562 | 305241195 | Closed | 2026-07-16 03:49 | 2026-08-04 09:35 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Revised XXXX provided with revised DSCR calculation. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please use guidelines for No Ratio - DSCR. Here is updated XXXX to show DSCR .XX - Seller-XX/XX/XXXX Counter-DSCR does not meet XXXXXXXXX DSCR X-X program requirement of minimum DSCR >=X.XX. Originator DSCR: MR $XXXX / PITI $XXXX.XX = X.XX, per Final XXXX on page XXX. Audited DSCR: Rent $XXXX / PITIA $XXXX.XX = X.XX DSCR. The updated DSCR Calculation provided reflects Qualifying Gross Rent of $X,XXX / Qualifying Monthly Payment of $X,XXX.XX = X.XX DSCR. Actual calculation of Rents of $XXXX/ PITIA of XXXX.XX = X.XXX DSCR which does not meet the program requirement of minimum DSCR >=X.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-DSCR does not meet XXXXXXXXX requirement of Min DCR X, the calculation validating the actual DSCR is as follows: Rents of $XXXX / PITIA of $XXXX.XX= X.XX DSCR The rent schedule appears on page XX & Lease agreement on page XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please use guidelines for No Ratio - DSCR. Here is updated XXXX to show DSCR .XX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Revised XXXX provided with revised DSCR calculation. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10281517 | N/A | N/A | ||
| XXXX | XXXX | W26050562 | 305241195 | Closed | 2026-07-20 15:03 | 2026-07-27 10:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Revised Approval Certificate provide omitting DTI. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Loan approval provided reflects a max DTI of XX%. Subject loan is a DSCR transaction. Provide revised loan approval. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Final loan approval is missing (no evidence of DSCR calculation). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Revised Approval Certificate provide omitting DTI. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXXXX.XXX XXXXXXXX XXXXXXXXXXX X.XX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10359296 | N/A | N/A | ||
| XXXX | XXXX | W26050562 | 305241195 | Closed | 2026-07-20 15:00 | 2026-07-27 10:25 | Resolved | 1 - Information | C | A | Property | Property | Property is listed for sale | Resolved-Documentation provided showing the property listing was removed XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Documentation provided does not show evidence that subject property is not for sale. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per XXXXXXXXXX XXXXXXXXXXXX requirements in Section X.X.X Listing Seasoning, for investment properties a listing expiration of less than six (X) months is permitted with a minimum prepayment penalty of three (X) years. The appraisal, page XX, states the subject property was listed for sale on XX/XX/XXXX for XX days with Original List price of $XXX,XXX and reduced to $XXX,XXX. If a property is listed for sale, the listing must be cancelled prior to the note date. Property listing withdrawn on XX/XX/XXXX, per Appraisal Data List/Sales History on XXXXXXXXXXXX desk review on page XXX. Appraisal photos taken on XX/XX/XXXX reflect a For Sale sign in the front yard, page XX. Unable to determine if property is still listed for sale. Provide evidence that subject property is not for sale. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Documentation provided showing the property listing was removed XX/XX/XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX XX, XXXXXXX XXXXXX, XX XXXXX _ XXXXXX.XXX XXXXXXXX XX XXXX XXXXXXX XXXXX XXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10359205 | N/A | N/A | ||
| XXXX | XXXX | 305232714 | Closed | 2026-07-16 06:09 | 2026-07-29 14:58 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | TN Brokerage/Finder Fee Test | Acknowledged-Acknowledged by originator. - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-XX% LTV is below the maximum XX% LTV by XX%. XX.X% DTI is XX.X% below maximum DTI of XX%. Borrower has been employed at current job for X years. - Due Diligence Vendor-XX/XX/XXXX Unable to Resolve-Received waiver LOX Per LH management we are waiving this requirement. XX.XX.XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Hello this is grade X see note attached to the file - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-This loan failed the brokerage/finder fee test. (Tenn. Comp. R. & Regs. XXXX-XX-XX(X))The mortgage loan charges a brokerage/finder fee that exceeds X% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee.Any brokerage/finder fee of more than X% of the principal amount of the loan will be presumed to be unfair and unreasonable and shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide evidence showing that such fee constitutes fair and reasonable compensation. "This loan failed the brokerage/finder fee test. (Tenn. Comp. R. & Regs. XXXX-XX-XX(X))The mortgage loan charges a brokerage/finder fee that exceeds X% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee.Any brokerage/finder fee of more than X% of the principal amount of the loan will be presumed to be unfair and unreasonable and shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide evidence showing that such fee constitutes fair and reasonable compensation." - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Hello this is grade X see note attached to the file - Seller-XX/XX/XXXX |
Acknowledged-Acknowledged by originator. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX.XXX | XX% LTV is below the maximum XX% LTV by XX%. XX.X% DTI is XX.X% below maximum DTI of XX%. Borrower has been employed at current job for X years. |
XXXX | Primary Residence | Purchase | NA | 10286154 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 305232714 | Closed | 2026-07-17 11:09 | 2026-07-28 09:14 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Received Hazard Insurance Coverage Amount of $XXX,XXX is less than Required Coverage Amount of $XXX,XXX . - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Good afternoon please see policy attached with dwelling of $XXX,XXX.XX - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Good afternoon please see policy attached with dwelling of $XXX,XXX.XX - Seller-XX/XX/XXXX |
Resolved-Received Hazard Insurance Coverage Amount of $XXX,XXX is less than Required Coverage Amount of $XXX,XXX . - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX (X).XXX | XXXX | Primary Residence | Purchase | NA | 10322419 | N/A | N/A | |||
| XXXX | XXXX | 305232714 | Closed | 2026-07-16 06:30 | 2026-07-27 08:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received final CD signed X/XX/XXXX but dated X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see signed CD attached dated the XXth by the borrower - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing final CD, as the notary date is XX/XX but, Disbursement Date is Prior to Closing Date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see signed CD attached dated the XXth by the borrower - Seller-XX/XX/XXXX |
Resolved-Received final CD signed X/XX/XXXX but dated X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXX_XXXXXXXXX_-_XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10286396 | N/A | N/A | |||
| XXXX | XXXX | 305232714 | Closed | 2026-07-16 06:09 | 2026-07-17 10:52 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-This loan failed the higher-priced mortgage loan required escrow account test. ( XX CFR §XXXX.XX(b) )This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in XXXX.XX(b)(X) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(X)This test does not consider whether the creditor complies with XX CFR §XXXX.XX(b)(X)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(X)This test does not account for instances when mortgage insurance reserves must be escrowed based on XX CFR §XXXX.XX. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s N/A (waiver #XXX)and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan failed the higher-priced mortgage loan required escrow account test. ( XX CFR §XXXX.XX(b) )This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in XXXX.XX(b)(X) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(X)This test does not consider whether the creditor complies with XX CFR §XXXX.XX(b)(X)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(X)This test does not account for instances when mortgage insurance reserves must be escrowed based on XX CFR §XXXX.XX. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s N/A (waiver #XXX)and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10286155 | N/A | N/A | |||||
| XXXX | XXXX | 305232714 | Closed | 2026-07-16 06:09 | 2026-07-17 10:52 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s N/A (waiver #XXX)and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s N/A (waiver #XXX)and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10286151 | N/A | N/A | |||||
| XXXX | XXXX | W26060522 | 305232486 | Closed | 2026-07-20 02:12 | 2026-07-28 10:06 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-Approval provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-We are missing the lender approval form. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-what document do you need to clear this condition? - Seller-XX/XX/XXXX Open-Loan Program document is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-what document do you need to clear this condition? - Seller-XX/XX/XXXX |
Resolved-Approval provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10342515 | N/A | N/A | ||
| XXXX | XXXX | W26060522 | 305232486 | Closed | 2026-07-22 14:26 | 2026-07-27 11:16 | Resolved | 1 - Information | D | A | Credit | Credit | Payment Letter is missing | Resolved-Payment letter provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide payment letter for new mortgage loan on primary residence XXXXX XXXX XX per final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Payment letter provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX XXX XXXXX XXXX XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10409648 | N/A | N/A | ||
| XXXX | XXXX | W26060522 | 305232486 | Closed | 2026-07-20 01:08 | 2026-07-27 00:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Uploaded Final XXXX address history has been updated to show XXXXX XXXX XX. as his primary but only since X/XX/XX since that loan has docs out but has not funded yet. The housing history for Borrower for his current primary residence of XXXX X. XXXXXXX XXX shows on this credit report, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Final XXXX shows current address as XXXXX XXXX XX. for XX years but also shows that same property being purchased with the proceeds of this refinance. Need housing history for the last XX months. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Uploaded Final XXXX address history has been updated to show XXXXX XXXX XX. as his primary but only since X/XX/XX since that loan has docs out but has not funded yet. The housing history for Borrower for his current primary residence of XXXX X. XXXXXXX XXX shows on this credit report, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XX XXXXXXX XXXXXXX XXXXXXX.XXX XXXXXXXX XXXXXXXXXXX.XXX XXXXXXX XXXX XXXX XXXXXXX XXXXXXX XXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10341980 | N/A | N/A | ||
| XXXX | XXXX | W26070034 | 305232474 | Closed | 2026-07-20 06:06 | 2026-07-24 02:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD uploaded with updated gift funds uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure The total of gift value as per Gift Letter in file on page XXX and Wire Transfer Receipt on page XXXX is $XX,XXX.XX. The final CD in file reflects a value of $XX,XXX, not matching the letter and transfer. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-PCCD uploaded with updated gift funds uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX _ XXXX XXXXXXXXXXXX XX.XXX XXXX _ XXXX XXXXXXXXXXXX XX.XXX |
XXXX | Primary Residence | Purchase | NA | 10346509 | N/A | N/A | ||
| XXXX | XXXX | W26070034 | 305232474 | Closed | 2026-07-20 00:12 | 2026-07-24 09:37 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10341672 | N/A | N/A | ||||
| XXXX | XXXX | W26070034 | 305232474 | Closed | 2026-07-20 00:12 | 2026-07-24 09:36 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX XXX § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10341671 | N/A | N/A | ||||
| XXXX | XXXX | 305177029 | Closed | 2026-07-17 02:17 | 2026-07-28 10:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Requested OFAC sanctions list search provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX Ready for Review-OFAC Sanctions - Due Diligence Vendor-XX/XX/XXXX Open-OFAC Check Not Completed and/or Cleared Confirm that the borrower has been manually checked against OFAC's SDN List (OFAC Country – (XXXX) Borrower Country of Origin). Missing OFAC Sanctioned List Search per guidelines’ - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested OFAC sanctions list search provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10311996 | N/A | N/A | ||||
| XXXX | XXXX | 305177029 | Closed | 2026-07-17 04:03 | 2026-07-28 03:33 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-No Updated Insurance or RCE document Required ,as insurance is Guaranteed Replacement Cost - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Guaranteed Replacement - Due Diligence Vendor-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX provide latest hazard insurance. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-No Updated Insurance or RCE document Required ,as insurance is Guaranteed Replacement Cost - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10313081 | N/A | N/A | ||||
| XXXX | XXXX | 305143908 | Closed | 2026-07-17 05:56 | 2026-07-29 00:08 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-CDA Secondary Valuation uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Provide Secondary Valuation. UCDP reported XXXXXX XXX score is X.X and Xxxxxxx XXX is not eligible. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-CDA Secondary Valuation uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10316527 | N/A | N/A | ||||
| XXXX | XXXX | 305143908 | Closed | 2026-07-17 06:50 | 2026-07-27 00:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated XXXX document with updated taxes provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Provide Final XXXX. Monthly tax shows as $X,XXX.XX but calculated monthly tax is $XXX.XX from tax cert and Final CD. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested updated XXXX document with updated taxes provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10317251 | N/A | N/A | ||||
| XXXX | XXXX | 305143908 | Closed | 2026-07-17 05:10 | 2026-07-27 00:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Evidence of Undisclosed Debt Monitoring provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached UDA and LDQM Monitoring which expires in September. Please waive this condition. - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Provide Evidence of Undisclosed Debt Monitoring (UDM) for Borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Evidence of Undisclosed Debt Monitoring provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | 10313643 | N/A | N/A | ||||
| XXXX | XXXX | 305143908 | Closed | 2026-07-17 05:10 | 2026-07-27 00:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Evidence of Undisclosed Debt Monitoring provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached UDA and LDQM Monitoring which expires in September. Please waive this condition. - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Provide Evidence of Undisclosed Debt Monitoring (UDM) for Borrower X. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Evidence of Undisclosed Debt Monitoring provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX XXXXXXX_X.XXX |
XXXX | Primary Residence | Purchase | NA | 10313642 | N/A | N/A | ||||
| XXXX | XXXX | W26060144 | 305232485 | Closed | 2026-07-29 10:05 | 2026-07-30 09:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XXXX Document is Missing Diligence Final Look DTI does not match XXXX. The XXXX in file does not reflect the correct monthly escrow for tax causing a DTI out of tolerance. An updated XXXX reflecting the corrected amount is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXX_XX_XXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10512010 | N/A | N/A | ||
| XXXX | XXXX | W26060144 | 305232485 | Closed | 2026-07-20 11:42 | 2026-07-29 10:02 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Originator Compensation paid by Lender increased from Initial CD($XX,XXX.XX) to Final CD($XX,XXX) but COC not available for the same. Provide COC for Originator Compensation paid by Lender increase. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-COC provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10353090 | N/A | N/A | ||
| XXXX | XXXX | W26060144 | 305232485 | Closed | 2026-07-20 11:50 | 2026-07-22 23:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Prior HoX policy uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided Hazard insurance effective date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX. Hazard documentation reflecting as active at the time of closing is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Prior HoX policy uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXX - XX-X (X).XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10353267 | N/A | N/A | ||
| XXXX | XXXX | 305170866 | Closed | 2026-07-23 15:40 | 2026-08-10 11:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Uploaded Profit & Loss as of X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Attached - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X YTD Profit & Loss Missing Missing Year to Date Profit and Loss statement. Guidelines Pag XX Year to date Profit and Loss statement for primary business relied upon for qualifying, if the note date of the file will be more than XXX days removed from the end date of the most recent tax returns provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Uploaded Profit & Loss as of X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10435936 | N/A | N/A | ||||
| XXXX | XXXX | 305170866 | Closed | 2026-07-23 15:40 | 2026-08-10 11:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Balance Sheet Missing | Resolved-Uploaded Balance Sheet as of X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Attached - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Balance Sheet Missing Missing Year to Date Balance sheet. Guidelines Pag XX Year to date Balance sheet for primary business relied upon for qualifying, if the note date of the file will be more than XXX days removed from the end date of the most recent tax returns provided. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Uploaded Balance Sheet as of X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10435935 | N/A | N/A | ||||
| XXXX | XXXX | 305170866 | Closed | 2026-07-23 15:54 | 2026-07-29 11:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Uploaded Undisclosed Debt Monitoring through XX/X/XXXX. Final Closing Disclosure Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Attached - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing Guidelines page XX missing credit report soft pull dated within XX calendar days of funding or undisclosed monitoring through the funding date. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Uploaded Undisclosed Debt Monitoring through XX/X/XXXX. Final Closing Disclosure Disbursement X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10436264 | N/A | N/A | ||||
| XXXX | XXXX | 305190651 | Closed | 2026-07-20 07:36 | 2026-07-29 08:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Per attached documentation, borrower is not FTHB - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-borrower is not a fist time home buyer. - Due Diligence Vendor-XX/XX/XXXX Open-First-Time Homebuyers not eligible as per GL Matrices X.X.XX - NO Exception in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Per attached documentation, borrower is not FTHB - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Investment | Purchase | NA | 10347644 | N/A | N/A | ||||
| XXXX | XXXX | 305190651 | Closed | 2026-07-24 13:13 | 2026-07-29 08:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please see attached large deposit source - Due Diligence Vendor-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Large deposit of $XXX,XXX on X/X/XX in XXXXX checking on page #XXX to be addressed with LOE and source documentation - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Investment | Purchase | NA | 10454076 | N/A | N/A | ||||
| XXXX | XXXX | 305190651 | Closed | 2026-07-21 09:28 | 2026-07-29 08:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-final hazard insurance attached - Due Diligence Vendor-XX/XX/XXXX Open-Hazard Insurance Policy Partially Provided Provide hazard insurance policy page #XXX shows premium $XXXX.XX/XX = $XXX.XX, However per XXXX lender sheet page #XXX and XXXX page #XXX premium shows as $XXXX.XX/XX = $XXX.XX. Provide updated hazard insurance document. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Investment | Purchase | NA | 10375245 | N/A | N/A | ||||
| XXXX | XXXX | 305232490 | Closed | 2026-07-23 06:03 | 2026-07-28 03:50 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Operating agreement and articles of org of business entity XX XXXXXXX X XXX provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see all XXX docs attached in one bundle - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Business Entity XX XXXXXXX X XXX, An XXXX Limited Liability Company Formation Documentation is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see all XXX docs attached in one bundle - Seller-XX/XX/XXXX |
Resolved-Operating agreement and articles of org of business entity XX XXXXXXX X XXX provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
X-XXXXXXXXXX-XXXXXX XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10422069 | N/A | N/A | |||
| XXXX | XXXX | 305214992 | Closed | 2026-07-23 17:44 | 2026-07-27 10:54 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Escrow Account Initial Escrow Payment (Page 4) calculation is not accurate | Resolved-Correct policy provided matching payment on final CD. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Final CD shows hazard payment at $XXX.XX but hazard document page XXXX shows $XXX.XX for monthly payment. Provide correct document matching final CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Correct policy provided matching payment on final CD. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXX - XX-X.XXX | XXXX | Primary Residence | Purchase | NA | 10438097 | N/A | N/A | |||
| XXXX | XXXX | TA26060468 | 305232473 | Closed | 2026-07-21 01:31 | 2026-07-29 03:01 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX uploaded with corrected current address, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. PER CREDIT REPORT & PROPERTY PROFILE BORROWER PURCHASED PROPERTY IN SEPTEMBER OF XXXX - Seller-XX/XX/XXXX Open-Provide updated Final XXXX as the provided one on page XXX current address is less than X years provide updated XXXX with former address. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. PER CREDIT REPORT & PROPERTY PROFILE BORROWER PURCHASED PROPERTY IN SEPTEMBER OF XXXX - Seller-XX/XX/XXXX |
Resolved-Updated Final XXXX uploaded with corrected current address, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10368936 | N/A | N/A | ||
| XXXX | XXXX | TA26060468 | 305232473 | Closed | 2026-07-21 00:56 | 2026-07-29 01:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Provide updated XXXX as the provided one on page XXX X. shows incorrect P&I $XXXX.XX whereas our calculated P&I is $XXXX.XX verified as per Note page XXX Final CD page XXX X. shows incorrect loan amount $X,XXX,XXX whereas our calculated loan amount is $X,XXX,XXX verified as per Note page XXX Final CD page XXX leads to incorrect LTVs X. shows incorrect FICO XXX whereas our calculated FICO is XXX as per CBR page XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated XXXX document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10368683 | N/A | N/A | ||
| XXXX | XXXX | 305232491 | Closed | 2026-07-28 09:40 | 2026-08-04 18:30 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV. | Waived-Waiver from lender in file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Audited LTV of XX% exceeds Guideline LTV of XX%.Exception for a XX% LTV with a XXX FICO is approved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. I'm showing XXX on credit. - Seller-XX/XX/XXXX Open-Audited LTV of XX% exceeds Guideline LTV of XX% EXCEPTION ON PAGE#XXX The one-time exception for a XX% LTV with a XXX FICO is approved. The approval is subject to-The approval is subject to Any applicable pricing adjustments may apply, A XXXXXXXX Letter from a XXXXXX-approved third-party review (TPR) firm, with a minimum grading of “X” or better and all other terms and conditions of the loan & product. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. I'm showing XXX on credit. - Seller-XX/XX/XXXX |
Waived-Waiver from lender in file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX_X.XX.XX.XXX | Residuals income is $XX,XXX.XX as per G/L required is $X,XXX Qualifying FICO XXX Guideline FICO XXX Qualifying Reserves X.XX Guideline Reserves X months |
XXXX | Primary Residence | Purchase | NA | 10488909 | Originator Pre-Close | Yes | ||
| XXXX | XXXX | 305232491 | Closed | 2026-07-28 00:23 | 2026-07-31 05:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested Rate Lock Document Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Evidence of Rate Lock Missing Lock is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Rate Lock Document Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX_XXXX_X-XXXXXXXXXX XXXXXX.XXX.XXX | XXXX | Primary Residence | Purchase | NA | 10481872 | N/A | N/A | |||
| XXXX | XXXX | 305082341 | Closed | 2026-07-23 02:55 | 2026-08-03 01:42 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested Secondary appraisal Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Full appraisal used for secondary valuation - Buyer-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and XX Score, if present, is greater than X.X Guidelines require a secondary valuation it is missing from the service file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested Secondary appraisal Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXX.XXX XXXXXXXXX XXXXXXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10419526 | N/A | N/A | ||||
| XXXX | XXXX | 305214859 | Closed | 2026-07-23 02:21 | 2026-07-30 01:39 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Gap Credit Report (XXX) provided with in XX business days from closing. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The gap report is embedded with the XXXXXXXXXX report on page X and toward the bottom of the report under XXX (Undisclosed Debt Monitoring) - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Provide GAP Report with in XXday - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The gap report is embedded with the XXXXXXXXXX report on page X and toward the bottom of the report under XXX (Undisclosed Debt Monitoring) - Seller-XX/XX/XXXX |
Resolved-Gap Credit Report (XXX) provided with in XX business days from closing. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX _ XXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10419256 | N/A | N/A | |||
| XXXX | XXXX | 305217499 | Closed | 2026-07-28 11:06 | 2026-08-18 08:45 | Resolved | 1 - Information | C | A | Credit | Credit | Corporation/LLC: Operating Agreement Document is missing | Resolved-The client provided the operating agreement, see section X.X for entity name. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The client provided the OA for Xxxxx Xxxxxx Xxxxxxxxxx that mentions Xxxxx Xxxxxxxxxx however it is not the OA for Xxxxx Partners, refer to page XXX that shows that there is an operating agreement under Xxxxx Xxxxxxxxxx. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX GC please see Operating Agreement on page XXX-XXX. section X.X references name of Xxxxx Xxxxxxxxxx XXX. - Seller-XX/XX/XXXX Open-The guideline Limited Liability Company under section X.X.X | U.X. LEGAL ENTITIES states that a copy of fully executed Operating Agreement is required. The loan file only contains the table of contents for the IA and not the complete document. The loan file is missing the operating agreement for Xxxxx Xxxxxxxxxx, XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-X/XX GC please see Operating Agreement on page XXX-XXX. section X.X references name of Xxxxx Xxxxxxxxxx XXX. - Seller-XX/XX/XXXX |
Resolved-The client provided the operating agreement, see section X.X for entity name. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Purchase | NA | 10490936 | N/A | N/A | |||
| XXXX | XXXX | 305217499 | Closed | 2026-07-28 11:10 | 2026-08-17 09:58 | Resolved | 1 - Information | C | A | Credit | Credit | Missing purchase contract and/or addendums. | Resolved-The client provide the missing addendum to the sales contract. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX gc Attached is the lead-based dis. Buyer Broker Agreement is on page XXX - Seller-XX/XX/XXXX Counter-The client provided X of the X missing addendums. The loan file is missing the Lead Based Paint Disclosure and the Buyer Broker Compensation Agreement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX GC Please see attached PC addendums - Seller-XX/XX/XXXX Open-The loan file contains a copy of the sales contract however there are several addendums that are part of the agreement (page XXX) that are not included in the loan file. The following addendum are missing from the loan file: State of XXXX Agency Disclosure Form, XXXX Residential Property Disclosure form, Lead Based Paint Disclosure, Affiliated Business Arrangement Disclosure(s), Home Warranty Contract and Buyer Broker Compensation Agreement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX gc Attached is the lead-based dis. Buyer Broker Agreement is on page XXX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX GC Please see attached PC addendums - Seller-XX/XX/XXXX |
Resolved-The client provide the missing addendum to the sales contract. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXX XXX.XXX XXXXXXXXXX_XXXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXX.XXX XXXXXXXXXX_XXXX XXX XXXX XXXXXX.XXX XXXXXXXXXX_XXXXXX XXXXXXXXXX XXXXXXXXX.XXX XXXXXXXXXX_XXXX XXXXX XXXXX XXXXXXXXXX.XXX |
XXXX | Investment | Purchase | NA | 10491019 | N/A | N/A | |||
| XXXX | XXXX | 305217499 | Closed | 2026-07-28 11:08 | 2026-08-12 09:20 | Resolved | 1 - Information | C | A | Credit | Credit | Certificate of Corp./LLC Formation or Articles of Organization not in file | Resolved-The client provided the Articles of Organization for Xxxxx Xxxxxxxxxx, XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The guideline Limited Liability Company under section X.X.X | U.X. LEGAL ENTITIES states that a copy of filed Articles of Organization evidencing registration within the state. is required. The loan file contains a receipt for the AO but not the actual document. The loan file is missing the Articles of Organization for Xxxxx Xxxxxxxxxx, XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The client provided the Articles of Organization for Xxxxx Xxxxxxxxxx, XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX.XXX | XXXX | Investment | Purchase | NA | 10490969 | N/A | N/A | |||
| XXXX | XXXX | 305217499 | Closed | 2026-07-28 11:02 | 2026-08-12 09:19 | Resolved | 1 - Information | C | A | Credit | Credit | Borrower does not have 2 years experience self-managing the property | Resolved-The client provided the OA for the entity name on the property report to show borrowers ownership/experience. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The guideline X.X.X Rental Experience Tiers states that the borrower has to have owned X properties in the last XX months or X property for at least XX months. The loan file contains a property report to show the borrowers experience however the property report for XXXXX XXXXXX XXX does not show the borrower as a past or present owner. The loan file is missing evidence of the borrowers X property experience. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The client provided the OA for the entity name on the property report to show borrowers ownership/experience. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XX XXXX XXXXX.XXX | XXXX | Investment | Purchase | NA | 10490863 | N/A | N/A | |||
| XXXX | XXXX | 305217537 | Closed | 2026-07-28 17:47 | 2026-08-17 10:53 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Xxxxxxxxx Report provides X currently owned properties by Xxxx Xxx Construction LLC. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Credit Memo indicates borrower has X property exit under experience. Property located at XXXX Primrose was acquired X/XX/XXXX and does not meet XX-month ownership per guidelines. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Xxxxxxxxx Report provides X currently owned properties by Xxxx Xxx Construction LLC. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX _XXX - XXXXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10501438 | N/A | N/A | |||
| XXXX | XXXX | 305217593 | Closed | 2026-07-27 15:17 | 2026-07-30 13:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The client provided the SS with a corrected date. All figures remain the same. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The loan file contains a settlement statement however it has the wrong loan number written on it. The loan file is missing the fully executed settlement statement with the correct loan number. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The client provided the SS with a corrected date. All figures remain the same. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10474771 | N/A | N/A | |||
| XXXX | XXXX | 305217531 | Closed | 2026-07-23 23:45 | 2026-08-14 02:53 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-Borrower is experienced and we have property report on pg XXX in file, hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/XX gc Please rescind page XXX shows all properties owned by borrower. - Seller-XX/XX/XXXX Open-Section X.X of guidelines lists the requirements for experience. The borrower is considered 'Experienced'. However, Property Profile reports were not provided for the X properties in question. Verification of ownership is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/XX gc Please rescind page XXX shows all properties owned by borrower. - Seller-XX/XX/XXXX |
Resolved-Borrower is experienced and we have property report on pg XXX in file, hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 10441685 | N/A | N/A | ||||
| XXXX | XXXX | 305217530 | Closed | 2026-07-28 14:07 | 2026-08-14 11:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Case information provided for background check clearance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review- X/XX JM - X. Uploaded Case Docket for Case XXXXXXXXXXXXXXX to support traffic violation; X. Uploaded email from the Xxxxxx County Criminal/Superior to support that Case XXXXXXCR XXXXXX no longer exist; X. Criminal Source Document - Seller-XX/XX/XXXX Open-The background check on page XXX shows X Not Specified Possible Criminal/Arrest. As per guidelines XX/XX/XX page XX / XX, Borrower/sponsors with background checks that reflect ambiguous case labels (e.g., “disposed”, “unspecified”, etc.) may require further evaluation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- X/XX JM - X. Uploaded Case Docket for Case XXXXXXXXXXXXXXX to support traffic violation; X. Uploaded email from the Xxxxxx County Criminal/Superior to support that Case XXXXXXCR XXXXXX no longer exist; X. Criminal Source Document - Seller-XX/XX/XXXX |
Resolved-Case information provided for background check clearance. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXXXXXX XXXXXX XXXXXXXX.XXX XXXXXXXXXX - XXXX XXXXXXXXX XXXXXX.XXX XXXXXXXXXX - XX XXXX XXXXXXXXXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10497027 | N/A | N/A | |||
| XXXX | XXXX | 305217530 | Closed | 2026-07-28 14:19 | 2026-08-06 08:41 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Final Title Policy does not have additional liens. - Due Diligence Vendor-XX/XX/XXXX Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property Title Issue Line XX of Title page XXX shows a Lien principal amount of $X,XXX,XXX. The file is missing a Final Title Policy or updated Title. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final Title Policy does not have additional liens. - Due Diligence Vendor-XX/XX/XXXX Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_ XXXXX XXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10497199 | N/A | N/A | |||
| XXXX | XXXX | 305135303 | Closed | 2026-07-24 05:11 | 2026-09-03 07:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Requested bank statement provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Statements provided - Due Diligence Vendor-XX/XX/XXXX Open-Borrower X Business Bank Statements Missing Confirmed BX is qualifying with XX months Bank statement with A/C #XXXX but Bank statement from X/XX/XXXX to X/XX/XXXX is missing in file hence taken income from lender worksheet for qualification. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested bank statement provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10444170 | N/A | N/A | ||||
| XXXX | XXXX | 305135303 | Closed | 2026-07-24 06:45 | 2026-09-02 23:47 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Homeownership counseling disclosure document provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-HOC in uploaded - Due Diligence Vendor-XX/XX/XXXX Open-Home Owner Counseling is missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Homeownership counseling disclosure document provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Purchase | NA | 10445642 | N/A | N/A | ||||
| XXXX | XXXX | 305135303 | Closed | 2026-07-24 06:43 | 2026-07-30 11:59 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |
Non-XX Loan | XXXX | Primary Residence | Purchase | NA | 10445615 | N/A | N/A | ||||
| XXXX | XXXX | 305232492 | Closed | 2026-07-30 04:19 | 2026-07-31 05:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested Rate Lock Document Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Evidence of Rate Lock Missing Lock Confirmation document is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Rate Lock Document Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXX_XXXX_X-XXXXXXXXXX XXXXXX.XXX.XXX | XXXX | Investment | Purchase | NA | 10529530 | N/A | N/A | |||
| XXXX | XXXX | BCS26060465 | 305232581 | Closed | 2026-07-30 17:24 | 2026-08-05 09:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-The Flood Policy Renewal was not out yet , so the UW added XX% to the premium to make sure there was enough coverage for it to be paid. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Flood insurance declaration page reflects total charges of $XXX.XX ($XX.XX monthly). The final settlement statement reflects $XX.XX monthly being escrowed. Missing flood insurance declaration page with revised annual premium used in qualifying calculations. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Resolved-The Flood Policy Renewal was not out yet , so the UW added XX% to the premium to make sure there was enough coverage for it to be paid. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX XXXX X.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10546775 | N/A | N/A | ||
| XXXX | XXXX | 305232493 | Closed | 2026-07-30 15:02 | 2026-08-03 11:55 | Resolved | 1 - Information | C | A | Credit | Assets Insufficient | Assets are not sufficient to close | Resolved-Received Cash out Refinance XXX Lansing final CD proceeds - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. My apologies I thought I attached. Please see attached! - Seller-XX/XX/XXXX Counter-Received a rebuttal stating that the proceeds from loan W-XXXXXXXXXX are being used as assets for this loan W-XXXXXXXXXX. Missing is a copy of the W-XXXXXXXXXX CD reflecting proceeds, as we can not move the documents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see rebuttal package attached - Seller-XX/XX/XXXX Open-Assets are not sufficient to close : Liquid fund required to close are -$XXX,XXX.XX, as all asset documentation was not received. Received assets total $XX,XXX.XX and the X-XXX reflects $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. My apologies I thought I attached. Please see attached! - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. see rebuttal package attached - Seller-XX/XX/XXXX |
Resolved-Received Cash out Refinance XXX Lansing final CD proceeds - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX XX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10544358 | N/A | N/A | |||
| XXXX | XXXX | 305232493 | Closed | 2026-07-30 02:49 | 2026-08-03 11:55 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Resolved-Received Cash out Refinance XXX Lansing final CD proceeds - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. My apologies I thought I attached. Please see attached! - Seller-XX/XX/XXXX Counter-Received a rebuttal stating that the proceeds from loan W-XXXXXXXXXX are being used as assets for this loan W-XXXXXXXXXX. Missing is a copy of the W-XXXXXXXXXX CD reflecting proceeds, as we can not move the documents. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached document packet with rebuttal - Seller-XX/XX/XXXX Open-Audited Reserves of month(s) are less than Guideline Required Reserves of X month(s) Liquid fund post close is less than $XX,XXX.XX in required reserves (post close funds total X.XX) as all asset documentation was not received. Received assets total $XX,XXX.XX and the X-XXX reflects $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. My apologies I thought I attached. Please see attached! - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. see attached document packet with rebuttal - Seller-XX/XX/XXXX |
Resolved-Received Cash out Refinance XXX Lansing final CD proceeds - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX XX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10528923 | N/A | N/A | |||
| XXXX | XXXX | 305232493 | Closed | 2026-08-03 03:46 | 2026-08-03 09:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX Open-Provide evidence of rate lock confirmation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10586785 | N/A | N/A | |||||
| XXXX | XXXX | 305232493 | Closed | 2026-07-30 15:09 | 2026-08-03 09:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Received pay history subject and primary housing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see explanation with all supporting documentation for subject and primary housing history. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements: CORE Credit Guidelines Alt Doc, DSCR, Full Doc and ITIN Programs Version X.X Updated March XX, XXXX PG XX DSCR Doc type is limited to verifying the borrower’s primary residence and the subject property if a refinance transaction. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see explanation with all supporting documentation for subject and primary housing history. - Seller-XX/XX/XXXX |
Resolved-Received pay history subject and primary housing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10544452 | N/A | N/A | |||
| XXXX | XXXX | 305232493 | Closed | 2026-07-30 15:09 | 2026-08-03 09:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received XX mo pay history for subject and primary housing - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see rebuttal and all supporting documents for subject and primary housing. - Seller-XX/XX/XXXX Open-VOR/VOM Doc Status should not be 'Missing'. Missing VOM: CORE Credit Guidelines Alt Doc, DSCR, Full Doc and ITIN Programs Version X.X Updated March XX, XXXX PG XX DSCR Doc type is limited to verifying the borrower’s primary residence and the subject property if a refinance transaction. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see rebuttal and all supporting documents for subject and primary housing. - Seller-XX/XX/XXXX |
Resolved-Received XX mo pay history for subject and primary housing - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10544451 | N/A | N/A | |||
| XXXX | XXXX | 305170388 | Closed | 2026-07-28 23:14 | 2026-08-03 13:00 | Waived | 2 - Non-Material | B | B | Property | Appraisal | Property/Appraisal General | Waived-Received exception for Platinum XXXX Statement requires rural properties to have less than XX acres and the land use must be residential. Our loan has XX.XX acres and has zoning of Agricultural on page XXX. We have sufficient comp factors to waive the condition need approval to waive the same. - Due Diligence Vendor-XX/XX/XXXX | Waived-Received exception for Platinum XXXX Statement requires rural properties to have less than XX acres and the land use must be residential. Our loan has XX.XX acres and has zoning of Agricultural on page XXX. We have sufficient comp factors to waive the condition need approval to waive the same. - Due Diligence Vendor-XX/XX/XXXX |
XX.XX% LTV is below the maximum XX% LTV by X.XX% XX.XX% DTI is below the maximum XX% DTI by XX.XX%. |
XXXX | Primary Residence | Purchase | NA | 10504973 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | W26060514 | 305232477 | Closed | 2026-07-28 05:59 | 2026-08-04 08:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Resolved-Requested additional assets provided which supports the reserves requirement of X months, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Asset documentation in file does not meet the reserve requirement per guideline matrix for loan amounts below $X,XXX,XXX. Documentation to support sufficient asset reserve is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested additional assets provided which supports the reserves requirement of X months, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10485495 | N/A | N/A | ||
| XXXX | XXXX | W26060514 | 305232477 | Closed | 2026-07-28 05:48 | 2026-08-04 08:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Documentation provided is for borrower X. The missing VVOE needed is for borrower X - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing The verbal verification of employment for borrower X is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10485418 | N/A | N/A | ||
| XXXX | XXXX | W26060514 | 305232477 | Closed | 2026-07-28 05:48 | 2026-08-04 08:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd party VOE that is within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing The verbal verification of employment for borrower X is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Xrd party VOE that is within the XX business days from closing date provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10485419 | N/A | N/A | ||
| XXXX | XXXX | 305177926 | Closed | 2026-07-29 02:17 | 2026-08-21 09:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount. | Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX. Waived per comp factors: XX.XX% DTI is below the maximum XX% DTI by XX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points. $XX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Approved exception attached. - Seller-XX/XX/XXXX Open-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX - Exception missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Approved exception attached. - Seller-XX/XX/XXXX |
Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX. Waived per comp factors: XX.XX% DTI is below the maximum XX% DTI by XX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points. $XX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXXXX XXXXXXXXX.XXX | XX.XX% DTI is below the maximum XX% DTI by XX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points $XX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum. |
XXXX | Primary Residence | Purchase | NA | 10505987 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 305177926 | Closed | 2026-08-19 15:50 | 2026-08-19 23:41 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XX approved and attached Exception to the Condo not being warrantable finding that has been rescinded.. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Loan does not conform to program guidelines The Warrantable status of the Condo Project is set to No, NA or Unable to Determine, Review and correct if applicable. Exception on page #XXX for no fidelity bond is approved. Scenario approved by Sr mgt. OK to proceed with condo considered a non-warrantable project. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX |
XX% LTV is below the maximum XX% LTV by X%. XX.XX% DTI is below the maximum XX% DTI by XX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points |
XXXX | Primary Residence | Purchase | NA | 10904652 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 305177926 | Closed | 2026-07-29 03:37 | 2026-08-17 15:09 | Resolved | 1 - Information | C | A | Compliance | Mavent | HighCost: Fees | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The loan fees ($X,XXX.XX) exceed the (XXXX) High Cost fee limit, which is ($X,XXX.XX), the difference is ($XX.XX). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The attached compliance/mavent report shows the High Cost (XXXX) Passed. - Seller-XX/XX/XXXX Open-The loan fees ($X,XXX.XX) exceed the (XXXX) High Cost fee limit, which is ($X,XXX.XX), the difference is ($XX.XX). The loan fees ($X,XXX.XX) exceed the (XXX) High Cost fee limit, which is ($X,XXX.XX), the difference is ($XX.XX). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The attached compliance/mavent report shows the High Cost (XXXX) Passed. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX XXXX XXXX.XXX XXXXXXXXXX XXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 10506568 | N/A | N/A | |||
| XXXX | XXXX | 305177926 | Closed | 2026-07-29 01:53 | 2026-08-17 01:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-X Insurance Policy uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Insurance docs attached. - Seller-XX/XX/XXXX Open-HO-X Insurance Policy is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Insurance docs attached. - Seller-XX/XX/XXXX |
Resolved-HO-X Insurance Policy uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-HO-X Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX XXXXXXXXXX X XXX XXX XXXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 10505835 | N/A | N/A | |||
| XXXX | XXXX | 305177926 | Closed | 2026-07-29 01:25 | 2026-08-17 01:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Updated Borrower X Gap Credit Report provided, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Gap credit report attached. - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Gap credit report attached. - Seller-XX/XX/XXXX |
Resolved-Updated Borrower X Gap Credit Report provided, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10505626 | N/A | N/A | |||
| XXXX | XXXX | 305177926 | Closed | 2026-07-29 03:37 | 2026-08-17 15:09 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX-XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see page XX-XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10506571 | N/A | N/A | |||||
| XXXX | XXXX | W26050595 | 305232475 | Closed | 2026-07-29 08:56 | 2026-08-13 12:46 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Waived-XX.X% LTV is below the maximum XX% LTV by XX.XX%. XX.XX% DTI is below the maximum XX% DTI by X.XX%. XXX representative credit score exceeds the minimum required of XXX by XX points. Borrower has $XX,XXX residual income after all expenses. Minimum required per guidelines is $X,XXX. Borrower has been employed at current job for XX years. Borrower has been employed in the same career for XX years. - Due Diligence Vendor-XX/XX/XXXX Waived- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Effective date of the policy provided is XX/XX/XXXX - after the Note date. Documentation to support the policy being effective at the time of closing is required. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Flood Insurance Policy Partially Provided Flood Insurance Policy document is provided; however, there is no dwelling/coverage amount provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-XX.X% LTV is below the maximum XX% LTV by XX.XX%. XX.XX% DTI is below the maximum XX% DTI by X.XX%. XXX representative credit score exceeds the minimum required of XXX by XX points. Borrower has $XX,XXX residual income after all expenses. Minimum required per guidelines is $X,XXX. Borrower has been employed at current job for XX years. Borrower has been employed in the same career for XX years. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX XXXXXXXXXXXX XXXX X XXXXXXXX XXX.XXX XXX XXXXX.XXX |
XX.X% LTV is below the maximum XX% LTV by XX.XX%. XX.XX% DTI is below the maximum XX% DTI by X.XX%. XXX representative credit score exceeds the minimum required of XXX by XX points. Borrower has $XX,XXX residual income after all expenses. Minimum required per guidelines is $X,XXX. Borrower has been employed at current job for XX years. Borrower has been employed in the same career for XX years. |
XXXX | Primary Residence | Purchase | NA | 10510535 | Investor Post-Close | No | |
| XXXX | XXXX | W26050595 | 305232475 | Closed | 2026-07-30 00:58 | 2026-08-03 07:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Requested Business Narrative provided in findings, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-As per G/L XX.XX.XXXX, A Self-Employed Business Narrative Form is required. Provide Business narrative as it is missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Business Narrative provided in findings, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10527742 | N/A | N/A | ||
| XXXX | XXXX | 305196191 | Closed | 2026-07-29 03:26 | 2026-08-04 00:05 | Resolved | 1 - Information | C | A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Requested proof of Insurance document provided for Other Reo Property, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-Unable to verify the PITI of XXXX XXXX XXXXXX XXXX unit XXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested proof of Insurance document provided for Other Reo Property, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX XXXXXXX_X.XXX |
XXXX | Second Home | Refinance | Cash Out - Other | 10506505 | N/A | N/A | ||||
| XXXX | XXXX | 305196191 | Closed | 2026-07-29 03:24 | 2026-08-04 00:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business entity and Cpa in file which is sufficient, no Business Narrative required, as we have alternate business documents, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see attached - Due Diligence Vendor-XX/XX/XXXX Open- Business narrative missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Business entity and Cpa in file which is sufficient, no Business Narrative required, as we have alternate business documents, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Second Home | Refinance | Cash Out - Other | 10506495 | N/A | N/A | ||||
| XXXX | XXXX | 305197542 | Closed | 2026-07-30 04:38 | 2026-08-13 19:52 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Provide proof of EMD deposit for $X,XXX. EMD Deposit proof missing in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXX XXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10529599 | N/A | N/A | |||
| XXXX | XXXX | 305197542 | Closed | 2026-07-30 04:02 | 2026-08-12 05:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-C uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Provide Borrower X XXXX-T. Borrower X XXXX-T missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-C uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Executed XXXX-T Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XX XXX XXXXXX (X).XXX | XXXX | Primary Residence | Purchase | NA | 10529442 | N/A | N/A | |||
| XXXX | XXXX | 305197542 | Closed | 2026-07-30 04:02 | 2026-08-12 05:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower X Executed XXXX-C uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. scroll down both borrower XXXX - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-T Missing Provide Borrower X XXXX-T. Borrower X XXXX-T missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. scroll down both borrower XXXX - Seller-XX/XX/XXXX |
Resolved-Borrower X Executed XXXX-C uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Executed XXXX-T Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XX XXX XXXXXX (X).XXX | XXXX | Primary Residence | Purchase | NA | 10529441 | N/A | N/A | |||
| XXXX | XXXX | 305232585 | Closed | 2026-07-30 10:34 | 2026-08-03 12:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Resolved-Requested additional assets provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Verified $XXX,XXX.XX from the provided bank statements, which is X.XX in reserves. The required reserves are short by $X,XXX.XX. Guidelines require X months. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested additional assets provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited Reserves of XX.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX_XXXXXX%XXXXXXXX%XX%XXXXXX%XXXX.XX%XX-%XXXX.XX%XX%XXXXXXXX%XX.XXX | XXXX | Investment | Purchase | NA | 10536142 | N/A | N/A | ||||
| XXXX | XXXX | 305232585 | Closed | 2026-07-30 09:15 | 2026-08-03 11:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validated signatures. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please see signatures noted on left side of the Note, these are the borrowers signing as individuals. Signatures on the right are of the borrowers signing as members. No Personal Guaranty needed. - Buyer-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Document is Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Validated signatures. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 10534321 | N/A | N/A | |||||
| XXXX | XXXX | 305232458 | Closed | 2026-08-03 11:39 | 2026-08-05 09:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received rent free LOE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-VOR/VOM Doc Status should not be 'Missing'. Missing VOM from XXXXXXXXXX XXXXXXXX for XXXX XXXXX Road, PG XX-XX of guidelines: Housing history evidenced by twelve (XX) months proof of payment via canceled checks, bank debits or institutional VOR. § Private Party VORs / VOMs will be considered on a case-by-case basis and will require an exception approval, subject to an LLPA. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received rent free LOE - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX.XXX | XXXX | Investment | Purchase | NA | 10595824 | N/A | N/A | |||
| XXXX | XXXX | 305232458 | Closed | 2026-08-03 11:43 | 2026-08-05 09:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report with alerts cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX |
Resolved-Received fraud report with alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX XXXXXXX.XXX | XXXX | Investment | Purchase | NA | 10595945 | N/A | N/A | |||
| XXXX | XXXX | 305207641 | Closed | 2026-07-31 17:31 | 2026-08-05 13:25 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Asset worksheet provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. We still show it as cash out, but since bringing $ to closing, worksheet needed. Attached. - Seller-XX/XX/XXXX Counter-Document Uploaded. This loan is No cash out refi.. Still not needed? - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Not required on the cash-out loans. - Seller-XX/XX/XXXX Open-Asset Worksheet missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. We still show it as cash out, but since bringing $ to closing, worksheet needed. Attached. - Seller-XX/XX/XXXX Ready for Review-Not required on the cash-out loans. - Seller-XX/XX/XXXX |
Resolved-Asset worksheet provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX XXXXXXX XXXXX XXXXXXXXX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10571038 | N/A | N/A | |||
| XXXX | XXXX | 305207641 | Closed | 2026-07-31 17:25 | 2026-08-04 11:44 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount There is no Coverage amount listed on the Title Policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10570979 | N/A | N/A | |||
| XXXX | XXXX | 305207641 | Closed | 2026-07-30 23:50 | 2026-08-04 11:42 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines. | Waived-Exception provided. Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Exception provided. Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXX.XXX | Personal Guaranty with Full Recourse Loss of Use/ Rental Loss - Loan File $XXX,XXX DSCR ratio of X.XXX exceeds the minimum requirement of X by X.XXX points. XX% LTV is below the maximum XX% LTV by X%. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10551485 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 305207641 | Closed | 2026-07-31 17:40 | 2026-07-31 17:40 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Business not limited to ownership and management of real estate. Exception provided on page XXX. Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Loan does not conform to program guidelines Business not limited to ownership and management of real estate. Exception provided on page XXX. Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
Personal Guaranty with Full Recourse Loss of Use/ Rental Loss - Loan File $XXX,XXX DSCR ratio of X.XXX exceeds the minimum requirement of X by X.XXX points. XX% LTV is below the maximum XX% LTV by X%. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10571121 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 305232461 | Closed | 2026-07-31 09:57 | 2026-08-04 18:20 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount. | Waived-Waiver provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see exception from XXXX for loan amount. Please review loan to XXXX Lending guidelines not XXXX. Thank you. - Seller-XX/XX/XXXX Open-Audited Loan Amount of $XXXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX Per XXXX Financial matrix dated X/XX/XXXX the Audited Loan Amount of $XXXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please see exception from XXXX for loan amount. Please review loan to XXXX Lending guidelines not XXXX. Thank you. - Seller-XX/XX/XXXX |
Waived-Waiver provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX. XXXXX XXXXXXXXX XXXX XXX (X).XXX | XXX months reserves exceed the minimum required of X months reserves which exceeds the minimum by XXX months over the required minimum. XxXX mortgage history for XX months. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10560295 | Originator Pre-Close | Yes | ||
| XXXX | XXXX | 305183620 | Closed | 2026-07-31 03:07 | 2026-08-07 11:22 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-please see prior insurance policy good through XX-XX-XX - Due Diligence Vendor-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective date of XX/XX/XXXX is after note date of XX/XX/XXXX and Disbursement date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10552860 | N/A | N/A | ||||
| XXXX | XXXX | 305183620 | Closed | 2026-07-31 05:23 | 2026-08-07 06:17 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested Final XXXX Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-see attached - Due Diligence Vendor-XX/XX/XXXX Open-The Final XXXX is Missing Borrower X Final XXXX page X is missing in file. Need complete final XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Requested Final XXXX Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10553597 | N/A | N/A | ||||
| XXXX | XXXX | W-0000010581 | 305241209 | Closed | 2026-07-31 02:46 | 2026-08-12 12:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Requested executed guaranty agreement provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see fully executed document - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial - Guaranty Agreement is not executed by all borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see fully executed document - Seller-XX/XX/XXXX |
Resolved-Requested executed guaranty agreement provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10552674 | N/A | N/A | ||
| XXXX | XXXX | W-0000010581 | 305241209 | Closed | 2026-08-04 12:19 | 2026-08-06 10:40 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount. | Waived-Waiver provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited Loan Amount of $XXXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX Loan Amount of $XXXXXX is less than the PHL DSCR Guideline Minimum Loan Amount of $XXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Waiver provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX.XXX | XXX FICO. XXX Min. XX% LTV. Max LTV is XX% |
XXXX | Investment | Refinance | Cash Out - Other | 10619732 | Investor Post-Close | No | |
| XXXX | XXXX | W-0000010581 | 305241209 | Closed | 2026-07-31 09:04 | 2026-08-06 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. There is no proposed in Sche A C because this is a refinance. - Seller-XX/XX/XXXX Open-Title Document is missing - Title Commitment on page #XXX is missing the Proposed Insured Names along with the Proposed Insured amount (section X C under Schedule A) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. There is no proposed in Sche A C because this is a refinance. - Seller-XX/XX/XXXX |
Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXX_XXXXXXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10558823 | N/A | N/A | ||
| XXXX | XXXX | W-0000010581 | 305241209 | Closed | 2026-07-31 09:04 | 2026-08-06 10:10 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount - dollar amount of insurance missing from Section X C under Schedule A - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXX_XXXXXXXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10558824 | N/A | N/A | ||
| XXXX | XXXX | W-0000010581 | 305241209 | Closed | 2026-07-31 08:58 | 2026-08-04 06:32 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Requested Signed X-X Rider and prepayment Rider, provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Xnd attached is the rider per condition request - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX Open-The Prepayment Penalty Rider is not executed by all parties. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Xnd attached is the rider per condition request - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX |
Resolved-Requested Signed X-X Rider and prepayment Rider, provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX XXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10558608 | N/A | N/A | ||
| XXXX | XXXX | W-0000010581 | 305241209 | Closed | 2026-07-31 02:39 | 2026-08-04 06:32 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Requested Signed X-X Rider and prepayment Rider, provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see X-X and prepay fully executed - Seller-XX/XX/XXXX Open-The Deed of Trust is Incomplete - the Deed of Trust/X-X Unit Rider and Prepayment Penalty Rider are not executed by the borrower's or notarized by the notary. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see X-X and prepay fully executed - Seller-XX/XX/XXXX |
Resolved-Requested Signed X-X Rider and prepayment Rider, provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX |
X-X.XXX XXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10552607 | N/A | N/A | ||
| XXXX | XXXX | W-0000010581 | 305241209 | Closed | 2026-07-31 02:32 | 2026-08-04 06:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Requested Signed Note document provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see the attached note - Seller-XX/XX/XXXX Open-The Note is Incomplete - The Note is not executed - provided executed Note by all borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see the attached note - Seller-XX/XX/XXXX |
Resolved-Requested Signed Note document provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10552555 | N/A | N/A | ||
| XXXX | XXXX | W-0000010581 | 305241209 | Closed | 2026-07-31 05:18 | 2026-08-04 06:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested rate Lock document provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Rate lock attached - Seller-XX/XX/XXXX Open-Evidence of Rate Lock Missing Lock Confirmation document is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Rate lock attached - Seller-XX/XX/XXXX |
Resolved-Requested rate Lock document provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXX_XXXX_X-XXXXXXXXXX XXXXXX.XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10553559 | N/A | N/A | ||
| XXXX | XXXX | W-0000010581 | 305241209 | Closed | 2026-07-31 05:02 | 2026-08-04 06:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested executed Final Cd Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Signed final CD attached. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure - provided Final Closing Disclosure is not executed by all borrowers. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Signed final CD attached. - Seller-XX/XX/XXXX |
Resolved-Requested executed Final Cd Provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10553474 | N/A | N/A | ||
| XXXX | XXXX | W-0000010581 | 305241209 | Closed | 2026-07-31 02:28 | 2026-08-04 01:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested executed business purpose affidavit provided provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. additional business purpose - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. see attached executed copy - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit on page #XXX is not executed - provide executed Business Purpose Affidavit from closing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. additional business purpose - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. see attached executed copy - Seller-XX/XX/XXXX |
Resolved-Requested executed business purpose affidavit provided provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10552536 | N/A | N/A | ||
| XXXX | XXXX | 305217576 | Closed | 2026-08-03 06:06 | 2026-08-07 07:01 | Waived | 2 - Non-Material | C | B | Property | Property | Condo Project Warrantable Status Does Not Meet Guideline Requirements | Waived-CVX requires all units to be in an eligible project and be warrantable HOA is non-warrantable due to the following: X. XX.X% owner occupied; X. Three pending li ga on cases against the HOA Exception Notes Pending Litigation on Migrants - Litigation is not against our borrower/sponsor - Litigation does not involve our subject property - HOA is being represented by insurance carrier -The reserve amounts that the carrier has assigned to the claims are within policy limits - Due Diligence Vendor-XX/XX/XXXX Open-The Warrantable status of the Condo Project is set to No, NA or Unable to Determine, Review and correct if applicable. Exception provided on page#XXX HOA is non-warrantable due to the following: X. XX.X% owner occupied; X. Three pending litigation cases against the HOA. - Due Diligence Vendor-XX/XX/XXXX |
Waived-CVX requires all units to be in an eligible project and be warrantable HOA is non-warrantable due to the following: X. XX.X% owner occupied; X. Three pending li ga on cases against the HOA Exception Notes Pending Litigation on Migrants - Litigation is not against our borrower/sponsor - Litigation does not involve our subject property - HOA is being represented by insurance carrier -The reserve amounts that the carrier has assigned to the claims are within policy limits - Due Diligence Vendor-XX/XX/XXXX |
XX% LTV is below the maximum XX% LTV by XX%. $XX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum. |
XXXX | Investment | Refinance | Cash Out - Other | 10588197 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 305217488 | Closed | 2026-08-03 16:03 | 2026-08-12 09:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-The client provided a satisfactory explanation from the borrower. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The client provided evidence that the borrower changed the address of the company but no explanation as to why the subject address was used for the borrower and the business. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The loan file shows the subject address as the borrowers address on the operating agreement, articles of organization and SS-X. The loan file does not contain an explanation as to why the borrower has used the subject property address as his address. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The client provided a satisfactory explanation from the borrower. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXX.XXX XXXXXXXXXX_XXXXXX XX XXXXXXXXXXX -.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10603052 | N/A | N/A | |||
| XXXX | XXXX | 305217595 | Closed | 2026-08-03 02:08 | 2026-08-03 15:42 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | PA Prepayment Penalty Prohibited | Acknowledged-Per XX Pa. Stat. Ann § XXX, BPL prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per XX Pa. Stat. Ann § XXX, BPL prepayment penalties are prohibited for X-X units loan amounts less than $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 10586022 | Investor Post-Close | No | |||||
| XXXX | XXXX | 305217640 | Closed | 2026-08-03 14:52 | 2026-08-12 09:11 | Resolved | 1 - Information | C | A | Credit | Credit | Missing final application | Resolved-Final Application provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final Application is missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final Application provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_ XXXXX XXXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10601118 | N/A | N/A | |||
| XXXX | XXXX | 305217640 | Closed | 2026-08-03 13:39 | 2026-08-10 09:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-The Executed Loan Agreement is provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Executed Loan Agreement is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The Executed Loan Agreement is provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10599222 | N/A | N/A | |||
| XXXX | XXXX | 305217640 | Closed | 2026-08-03 13:38 | 2026-08-10 09:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Document is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10599174 | N/A | N/A | |||
| XXXX | XXXX | 305217640 | Closed | 2026-08-03 02:31 | 2026-08-10 05:12 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-Requested Note Document provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Note is Missing Note document is missing from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Note Document provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10586220 | N/A | N/A | |||
| XXXX | XXXX | 305217640 | Closed | 2026-08-03 02:22 | 2026-08-10 00:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested BPA Document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit is Misiimg from loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested BPA Document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10586162 | N/A | N/A | |||
| XXXX | XXXX | 305217508 | Closed | 2026-08-04 16:03 | 2026-08-11 07:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Lender provided updated title. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is missing The title commitment is dated X/XX/XX but the loan closed X/X/XX. Missing current title commitment. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Lender provided updated title. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10624899 | N/A | N/A | |||
| XXXX | XXXX | 305217566 | Closed | 2026-08-03 13:04 | 2026-08-17 08:22 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-The client provided operating agreement for XXXX XXXXXXXXXXX XXXXX which showed the owner as XXX XXXXXXX XXXXX which is XX% owner of the borrowing entity. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property Title Issue The loan file contains the quit claim deed transferring the property from XXXX XXXXXXXXXXX XXXXX to the borrowing entity however there is no documentation in the loan file that the borrower owns this company. XXXX XXXXXXXXXXX XXXXX is also listed on the settlement statement as a borrower and the borrowers property experience is under this entity. The loan file is missing the operating agreement for XXXX XXXXXXXXXXX XXXXX to confirm borrowers ownership. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The client provided operating agreement for XXXX XXXXXXXXXXX XXXXX which showed the owner as XXX XXXXXXX XXXXX which is XX% owner of the borrowing entity. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XX XXXX XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10598268 | N/A | N/A | |||
| XXXX | XXXX | 305217321 | Closed | 2026-08-05 02:06 | 2026-08-18 16:21 | Resolved | 1 - Information | C | A | Credit | Credit | Lender Approval Form is Missing | Resolved-The client provided the credit memo. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The loan file is missing the credit memo. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The client provided the credit memo. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10630865 | N/A | N/A | |||
| XXXX | XXXX | 305217454 | Closed | 2026-08-02 23:41 | 2026-08-03 08:33 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | MI Prepayment Penalty Prohibited | Acknowledged-Per XXX XXX.XXx(X)(x), XXX prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. Prepayment penalty updated as per the Note document. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per XXX XXX.XXx(X)(x), XXX prepayment penalties on first liens are prohibited if it exceeds X% of interest of the amount of any prepayment made within X years of the date of the loan on one unit residential properties. Prepayment penalty updated as per the Note document. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Purchase | NA | 10585230 | Originator Pre-Close | Yes | |||||
| XXXX | XXXX | 305217469 | Closed | 2026-08-03 15:27 | 2026-08-17 13:06 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-The photos reflect a vacant property. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-The photos reflect a vacant property. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The appraiser obviously made a typo because the photos reflect that the subject was vacant at time of the appraisal and market rents were used to qualify. I did not send you the photos since there are too many to imbed in this email, but when you take a look, you will see that the subject is not occupied. Additionally, his license indicates another property as his primary residence which is supported by the XXXXXXXXXX XXXXXX report. All this documentation mitigates any concerns regarding occupancy of the subject property. No other documentation is necessary. - Seller-XX/XX/XXXX Open-The Appraisal shows the property is owner occupied and the photos reflect a vacant property. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The appraiser obviously made a typo because the photos reflect that the subject was vacant at time of the appraisal and market rents were used to qualify. I did not send you the photos since there are too many to imbed in this email, but when you take a look, you will see that the subject is not occupied. Additionally, his license indicates another property as his primary residence which is supported by the XXXXXXXXXX XXXXXX report. All this documentation mitigates any concerns regarding occupancy of the subject property. No other documentation is necessary. - Seller-XX/XX/XXXX |
Resolved-The photos reflect a vacant property. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-The photos reflect a vacant property. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | Cash Out - Other | 10602002 | N/A | N/A | ||||
| XXXX | XXXX | 305217469 | Closed | 2026-08-03 15:23 | 2026-08-12 09:48 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Property Title Issue Title Report Page XXX, Line #XX shows a lien for $XX,XXX. There is not a payoff in file and the Settlement Statement does not reflect this lien being paid off. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX XXXXX XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10601884 | N/A | N/A | |||
| XXXX | XXXX | 305217395 | Closed | 2026-08-06 13:05 | 2026-08-17 16:28 | Resolved | 1 - Information | D | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided data verify report. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-OFAC Check Not Completed and/or Cleared Per guidelines dated XX/XX/XXXX, section XX.X.X, Prior to funding, all parties to the loan transaction or those parties that have executed a full recourse or completion guaranty are processed through a screening to confirm zero involvement in a transaction found on watch lists. The dataverify is only X pages. Missing the other pages showing the fraud alerts for all parties (originator, appraiser, closer, etc.) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-Lender provided data verify report. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XX XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10668723 | N/A | N/A | |||
| XXXX | XXXX | W26060184 | 305232480 | Closed | 2026-08-03 00:47 | 2026-08-13 07:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV. | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The PITI is $X,XXX.XX so X months reserves would be $XX,XXX.XX. We have verified assets of $XX, XXX.XX. We have an exception to go to XX% LTV and we have more than the required X months reserves. If its related to something else, please specify what the exact issue is. Thank you - Seller-XX/XX/XXXX Open-Audited LTV of XX% exceeds Guideline LTV of XX% Audited LTV is XX%, However per GL max LTV for short term rent is XX%. Exception on page #XXX - The exception request for XX% on STR is APPROVED. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The PITI is $X,XXX.XX so X months reserves would be $XX,XXX.XX. We have verified assets of $XX, XXX.XX. We have an exception to go to XX% LTV and we have more than the required X months reserves. If its related to something else, please specify what the exact issue is. Thank you - Seller-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX |
$XX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by X months over the required minimum. DSCR ratio of X.XXX exceeds the minimum requirement of X by X.XXX points. Borrower has owned subject investment property XX months. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10585439 | Originator Pre-Close | Yes | ||
| XXXX | XXXX | W26060184 | 305232480 | Closed | 2026-08-02 23:34 | 2026-08-11 00:01 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide updated title doc with required loan coverage amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10585208 | N/A | N/A | ||
| XXXX | XXXX | W26060184 | 305232480 | Closed | 2026-08-02 23:42 | 2026-08-11 00:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-As Per section X.X.X of XXXXXXXXXX guidelines Access letter not needed as XXX% of funds in a jointly owned account are considered Borrower own funds, Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide LOX from other person XXXXXX XXXX stating that Borrower has access to XXX% of funds in the bank accounts XXXXX #XXXX and XXXXX Bank #XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-As Per section X.X.X of XXXXXXXXXX guidelines Access letter not needed as XXX% of funds in a jointly owned account are considered Borrower own funds, Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXX XXXXXXXX XX XXXXXX XXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10585237 | N/A | N/A | ||
| XXXX | XXXX | W26060184 | 305232480 | Closed | 2026-08-02 23:59 | 2026-08-10 23:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provided loan approval on page #XXX shows incorrect loan amount $XXXXXX, Per file loan amount is $XXXXXX. Provide updated loan approval document. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Loan Approval document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX XXXXXXXX X XXXX XX.XXX XXXXX XXXX X XXXX XX.XXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10585268 | N/A | N/A | ||
| XXXX | XXXX | W26060534 | 305232479 | Closed | 2026-08-03 01:51 | 2026-08-07 09:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Resolved-Final SS showing full proceeds from refinance. Entered total proceeds to be used for cash to close and reserves. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) The verified assets from XXX acct#XXXX statement is $XX,XXX.XX and The Final XXXX is showing other assets of $XXX,XXX, which as no proof of document to verify. Also we have wire transfer of $XXX,XXX on pg#XXX towards closing on XX/XX/XXXX which is not showing final CD. However the required reserves is $XX,XXX.XX and Cash to close is $XXX,XXX.XX per final CD. whereas the the assets are not sufficient to cover both requirements. Hence Required final CD or PCCD to show wired funds of $XXX,XXX in adjustment and proof of $XXX,XXX (if not the same $XXX,XXX) and Additional assets to cover the requirement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX Resolved-Final SS showing full proceeds from refinance. Entered total proceeds to be used for cash to close and reserves. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10585877 | N/A | N/A | ||
| XXXX | XXXX | W26060534 | 305232479 | Closed | 2026-08-03 15:54 | 2026-08-07 09:37 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide documentation for cash out wire in the amount of $XXX,XXX. Is this proceeds from refinance on current primary converting to investment? - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Asset Record X Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10602835 | N/A | N/A | ||
| XXXX | XXXX | W26060534 | 305232479 | Closed | 2026-08-03 04:06 | 2026-08-07 09:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Taxes and insurance provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The XXXXXX XXXXXXXX was paid in full on the final settlement statement. The new payment is $XXXX.XX but we have nothing in the file showing the property taxes and insurance for the property located at XXXX X XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-For REO property XXXX X XXXXXXX XXX XXXXXX XX XXXXX, we can able to verify monthly $X,XXX mortgage P&I from XXXXXX XXXXXXXX XXX - XXXX, which is paying off on pg#XXXX, but there is no proof of documents to verify $X,XXX.XX from XXXXX trust mortgage and Monthly taxes and insurance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Taxes and insurance provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX - XXXXXXXXX.XXX XXX XXXX XXXXX.XXX XXX - XXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 10586870 | N/A | N/A | ||
| XXXX | XXXX | W26060534 | 305232479 | Closed | 2026-08-03 15:49 | 2026-08-06 11:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Original prelim provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Document is Incomplete Prelim Supp is provided but missing the original preliminary report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Original prelim provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 10602708 | N/A | N/A | ||
| XXXX | XXXX | 305172761 | Closed | 2026-08-03 02:45 | 2026-08-10 04:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide Initial XXXX Missing in File. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial XXXX uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXXXX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10586364 | N/A | N/A | |||
| XXXX | XXXX | 305172761 | Closed | 2026-08-03 02:35 | 2026-08-06 11:06 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. This loan is HPML compliant and meets HPM L guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. This loan is HPML compliant and meets HPM L guidelines - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10586271 | N/A | N/A | |||||
| XXXX | XXXX | 305197521 | Closed | 2026-08-03 06:44 | 2026-08-05 16:27 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX , and confirmation the appraisal was delivered to the borrower – see Pg#XXX,XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX , and confirmation the appraisal was delivered to the borrower – see Pg#XXX,XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10589067 | N/A | N/A | |||||
| XXXX | XXXX | 305197092 | Closed | 2026-08-04 03:47 | 2026-08-11 09:44 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXX provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirement - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXX provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXX XXX.XXX | XXXX | Investment | Purchase | NA | 10610084 | N/A | N/A | |||
| XXXX | XXXX | 305172514 | Closed | 2026-08-04 05:38 | 2026-08-07 11:33 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Hi, there is a X% Ordinance or Law on the coverage. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Missing replacement cost estimate or increased policy coverage. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Hi, there is a X% Ordinance or Law on the coverage. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10611657 | N/A | N/A | ||||
| XXXX | XXXX | 305172514 | Closed | 2026-08-04 04:52 | 2026-08-06 16:37 | Acknowledged | 2 - Non-Material | B | B | Credit | Credit | Spousal Consent Missing | Acknowledged- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is a XXXX loan closing in an XXX. This does not apply. - Seller-XX/XX/XXXX Open-In XX, XX, XX, XX, XX, XX, XX, when a personal guaranty is present, then evidence of spousal consent is also required. Spousal Consent is missing for XX state. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is a XXXX loan closing in an XXX. This does not apply. - Seller-XX/XX/XXXX |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10610478 | Originator Post-Close | No | |||||
| XXXX | XXXX | 305241178 | Closed | 2026-08-05 05:44 | 2026-08-18 23:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX with correct income provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see page X of the XXXX, section Xe. - Buyer-XX/XX/XXXX Open-Final XXXX income is reflected as $XX,XXX.XX, the XXXX income reported was $XX,XXX.XX, required updated XXXX with Income $XX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated XXXX with correct income provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX-XXXX---XXXXXXXX-X.XXX | XXXX | Primary Residence | Purchase | NA | 10634632 | N/A | N/A | ||||
| XXXX | XXXX | 305232570 | Closed | 2026-08-11 17:53 | 2026-08-14 12:02 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded-Initial XX recieved and signed on X/XX/XXXX. Three days prior to the closing date of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). 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. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Rescinded-Initial XX recieved and signed on X/XX/XXXX. Three days prior to the closing date of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10749508 | N/A | N/A | |||||
| XXXX | XXXX | 305232570 | Closed | 2026-08-07 00:21 | 2026-08-11 18:14 | Resolved | 1 - Information | B | A | Credit | Credit | Missing non-subject rental income documentation | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. the property address is XXXX XXXX XXXXXXX XXX, XXXX, XX XXXXX - Buyer-XX/XX/XXXX Open-There is a property listed on the XXXX - XXX XXXX XXXXXXX XXXXXX with a monthly rental income IAO $X,XXX.XX. To verify this amount, required lease agreement or Schedule E document. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXX X XXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10677362 | N/A | N/A | |||||
| XXXX | XXXX | 305232570 | Closed | 2026-08-06 06:05 | 2026-08-11 17:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Compliance should not run due to Initial Closing Disclosure was missing - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXX_XX_XXX_XX_XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10658275 | N/A | N/A | |||||
| XXXX | XXXX | 305232570 | Closed | 2026-08-06 03:32 | 2026-08-11 06:42 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Provided hazard insurance policy has guaranteed replacement cost. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The policy has Guaranteed Replacement Cost - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The policy has Guaranteed Replacement Cost - Seller-XX/XX/XXXX |
Resolved-Provided hazard insurance policy has guaranteed replacement cost. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10656687 | N/A | N/A | |||
| XXXX | XXXX | 305232520 | Closed | 2026-08-06 07:12 | 2026-08-11 16:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is ''. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure Indicator final doc. is missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX |
XXXX-XX-XXXXX.XX.XX.XXXX-XXXXXXXXXX_XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX-X-XXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10659478 | N/A | N/A | ||||
| XXXX | XXXX | W26060590 | 305241196 | Closed | 2026-08-10 14:27 | 2026-08-14 09:32 | Resolved | 1 - Information | D | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-OFAC report with No Match provided for LLC. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-OFAC Check Not Completed and/or Cleared Missing OFAC check for business entity on the subject loan, XXX XXXXXXXXXX LLC, A XXXXXXX LIMITED LIABILITY COMPANY. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-XX/XX/XXXX Resolved-OFAC report with No Match provided for LLC. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX XXX XXXXXXXXXX XXX, X XXXXXXX XXXXXXX XXXXXXXXX XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10716094 | N/A | N/A | ||
| XXXX | XXXX | W26060590 | 305241196 | Closed | 2026-08-10 14:19 | 2026-08-14 09:15 | Resolved | 1 - Information | C | A | Credit | Credit | Borrowing Entity / Individual has insufficient experience | Resolved-An additional Operating Agreement provided for XXXXXXX XXXXXX XXXXXXXXXX LLC and Property Report for XXXX XXXXXXXX XX reflecting XXXXXXX (BX) taking ownership XX/XX/XXXX. This supports the borrower having a little over a X-year history of managing a rental property. A corrected XXXX is provided adding the property as an REO. Based on the revised documentation the borrower is not a FTI. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per XXXXXXXXXX XXXXXXX Guidelines, Section X.X.X.X First Time Investor, Ver. A, XX.XX.XXXX, Borrower/guarantor must currently own a primary residence for at least one (X) year. For Borrower X the property history report on page XXXX does not reflect ownership interest, currently showing as X. XXXXXX. The final XXXX disclosed that Borrower X is renting his primary residence, per VOR in file. In addition, the property history report for XXXX XXXXX XX shows ownership interest in XXXXXXXX XXXXX Investment LLC but shows Borrower X having a mortgage recorded on XX/XX/XXXX. (Appraisal states the subject property was sold on XX/XX/XXXX for $XXX,XXX.XX). Provide documentation showing home ownership for Borrower X. In addition, provide documentation when Borrower X took ownership interest in XXXX XXXXX XX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-An additional Operating Agreement provided for XXXXXXX XXXXXX XXXXXXXXXX LLC and Property Report for XXXX XXXXXXXX XX reflecting XXXXXXX (BX) taking ownership XX/XX/XXXX. This supports the borrower having a little over a X-year history of managing a rental property. A corrected XXXX is provided adding the property as an REO. Based on the revised documentation the borrower is not a FTI. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XX XXX_XXXXXXX XXXXXXX.XXX XXXXXXX XXXX.XXX XXXX XXXXXXXX XX.XXX XXXXXXX XXXX XXXX XXXXXXX XXX XXXXXXXX XXX XX.XXX XXXXXXXXX XXXXXXXXX - XXXXXXX XXXXXX XXXXXXXXXX XXX - XXXX X-.XXX XXXXXXXXX XXXXXXXXX - XXXXXXX XXXXXX XXXXXXXXXX XXX - XXXX XX-.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10715941 | N/A | N/A | ||
| XXXX | XXXX | W26060590 | 305241196 | Closed | 2026-08-12 09:21 | 2026-08-14 09:09 | Resolved | 1 - Information | C | A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Revised XXXX provided with corrected DSCR calculation of X.XX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Current XXXX and Approval Certificate reflect the DSCR calculation of X.XX. This does not match the totals used for Gross Rental Income $XXXX / PITIA $XXXX.XX on the XXXX. Provide revised documentation with updated DSCR calculation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Revised XXXX provided with corrected DSCR calculation of X.XX. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10762837 | N/A | N/A | ||
| XXXX | XXXX | W26060590 | 305241196 | Closed | 2026-08-10 14:22 | 2026-08-12 09:10 | Resolved | 1 - Information | D | A | Credit | Credit | Missing subject hazard insurance documentation. | Resolved-Payment Receipt from insurance company provided for amount paid in the amount of $XXX.XX (the amount of the discrepancy). Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide documentation for discrepancy in the hazard insurance premium on the declaration page of $X,XXX.XX and the final premium amount of $X,XXX.XX reflected on the final Settlement Statement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Payment Receipt from insurance company provided for amount paid in the amount of $XXX.XX (the amount of the discrepancy). Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10716011 | N/A | N/A | ||
| XXXX | XXXX | W26060590 | 305241196 | Closed | 2026-08-10 14:14 | 2026-08-12 09:07 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient non-subject housing history rating | Resolved-LOE from Borrower X’s Dad stating that BX has lived rent-free since XXXX. Borrower X provided LOE for monthly rent payments of $X,XXX that were paid in $XXX increments. Bank statements provided highlighting money withdrawals for rent payments. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Per lender guidelines Section X.X.X.X Housing History for DSCR transactions, housing history for DSCR Doc type is required for the borrower’s (Borrower X) primary residence for Rental History: XX-month minimum rental history fully documented, if private party, must provide cancelled checks/bank statements, or PayPal etc. proof with copy of lease. XxXXxXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-LOE from Borrower X’s Dad stating that BX has lived rent-free since XXXX. Borrower X provided LOE for monthly rent payments of $X,XXX that were paid in $XXX increments. Bank statements provided highlighting money withdrawals for rent payments. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX XXXX XXXX X.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXX XXXXXX XXXX XXXX X.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXX XXXXXX XXXX XXXX X.XXX XXXXXX XXXXXXXXXXXX.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX X.XXX XXX XXXXXX XXXX XXXX X.XXX XXX XXXXXX XXXX XXXX X.XXX XXXXXX XXXXXXXXXXXX.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXXXXX XXXXXXXXXXXX X.XXX XXXXXX XXXXXXXXXXXX XX.XXX XXX XXXXXX XXXX XXXX X.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10715808 | N/A | N/A | ||
| XXXX | XXXX | W26060590 | 305241196 | Closed | 2026-08-05 08:44 | 2026-08-10 23:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Evidence of Property Tax The final XXXX reflects monthly property taxes of $XXX.XX ($X,XXX.XX). Evidence of property tax bill/certificate is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of Property Tax uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10638117 | N/A | N/A | ||
| XXXX | XXXX | 305241200 | Closed | 2026-08-06 09:21 | 2026-08-17 09:32 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Resolved-LLC Received with Business Narrative - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Entity Formation Doc Indicator is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Entity Formation Doc Indicator is Missing. Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX Resolved-LLC Received with Business Narrative - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXXXXXXX.XXX XXXXXXXXXX_XXXXXXXX_XXXXXXXX.XXX |
XXXX | Investment | Purchase | NA | 10663354 | N/A | N/A | |||
| XXXX | XXXX | 305241200 | Closed | 2026-08-06 09:21 | 2026-08-17 09:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Guaranty Agreement Doc was Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
XXXXXX-XXXXXXXX-XXXXXXXX-X.XXX | XXXX | Investment | Purchase | NA | 10663355 | N/A | N/A | ||||
| XXXX | XXXX | 305241200 | Closed | 2026-08-06 10:12 | 2026-08-11 16:50 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Required Coverage Amount of $XXXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See page X of the HOI policy, also re-attached. Policy notes a XX% Extended Replacement coverage. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' Dwelling amount is less than the loan amount required Replacement cost estimator doc. or Guaranteed replacement cost estimator doc. to cover the loan amount - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See page X of the HOI policy, also re-attached. Policy notes a XX% Extended Replacement coverage. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Required Coverage Amount of $XXXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'Yes') - Due Diligence Vendor-XX/XX/XXXX |
XXXX-XX-XXXXX.XX.XX.XXXX-XXXXXXXXXX_XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX-X-XXXXX.XXX | XXXX | Investment | Purchase | NA | 10664423 | N/A | N/A | |||
| XXXX | XXXX | 305241200 | Closed | 2026-08-06 10:06 | 2026-08-11 16:45 | Resolved | 1 - Information | D | A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Second Value - Low Risk Desktop Appraisal received by XXXXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Required updated secondary valuation to verify and CU score should be less than X.X - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Second Value - Low Risk Desktop Appraisal received by XXXXXXXXXXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXX_XXXX XXXXXX.XXX | XXXX | Investment | Purchase | NA | 10664268 | N/A | N/A | ||||
| XXXX | XXXX | 305241203 | Closed | 2026-08-07 05:15 | 2026-08-12 06:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Discount Point Fee disclosure not required since Not a High cost Loan & No state limitation fee fail, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Undiscounted Rate document is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Discount Point Fee disclosure not required since Not a High cost Loan & No state limitation fee fail, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXX_XXXXXXX_XXXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10678844 | N/A | N/A | ||||
| XXXX | XXXX | W26070149 | 305241192 | Closed | 2026-08-07 01:16 | 2026-08-18 03:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Required Expense Documentation is Missing for Expense Factor Less than 50% | Resolved-CPA letter provided with expense ratio of XX% and business was established on X/XX/XX. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Expense factor is less than XX% i.e., XX%, however there is no supporting document provided. Additional, documentation to support self-employment of at least X years is missing from the loan file. XX months verified via bank statement. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-CPA letter provided with expense ratio of XX% and business was established on X/XX/XX. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10677570 | N/A | N/A | ||
| XXXX | XXXX | W26070149 | 305241192 | Closed | 2026-08-07 01:14 | 2026-08-17 23:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated XXXX with ownership % info in employment provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Ownership share in Employment section is not marked on final XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated XXXX with ownership % info in employment provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXX XXXX XXXX XXXXXXX XX XXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10677559 | N/A | N/A | ||
| XXXX | XXXX | SC26060245 | 305241193 | Closed | 2026-08-06 00:31 | 2026-08-17 10:27 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Corrected HUD provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. As per the Final HUD-X pg#XXX, the maximum prepayment penalty is $XX,XXX.XX, whereas Prepayment Penalty Calculation as per Prepayment addendum/ rider resulting $XX,XXX. Documentation to support correct Prepayment Penalty on the final HUD is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Corrected HUD provided - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10654029 | N/A | N/A | ||
| XXXX | XXXX | SC26060245 | 305241193 | Closed | 2026-08-11 10:26 | 2026-08-17 10:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The dates are still missing from the HUD - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Final HUD-X Document is Missing. Final settlement statement in file on page XXX is missing the settlement date and disbursement date. Documentation with this information is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXXXXXX XXXXXXXXX (X).XXX XXXXX XXXXXXXXXXXXX XXXXXXXXX (X).XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10738849 | N/A | N/A | ||
| XXXX | XXXX | SC26060245 | 305241193 | Closed | 2026-08-11 09:50 | 2026-08-13 08:12 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage is less than the loan amount. Coverage is required to be at or above the Note amount. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX XXXXXX - XXXXXXXX XXXXXX XXX XXXXXXXX XXXXXXX (X).XXX | XXXX | Investment | Refinance | Cash Out - Other | 10738006 | N/A | N/A | ||
| XXXX | XXXX | SC26060245 | 305241193 | Closed | 2026-08-06 01:29 | 2026-08-13 07:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements. Most recent X months history of payment provided and accepted per lender guidelines X.X.X.X - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X month payments at a time - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Provide supporting documentation to verify XX months of housing history. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X month payments at a time - Seller-XX/XX/XXXX |
Resolved-Housing History Meets Guideline Requirements. Most recent X months history of payment provided and accepted per lender guidelines X.X.X.X - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXXXX (X).XXX XXXXXX XXXXXXXXXXXX (X).XXX XXXXXX XXXXXXXXXXXX (X).XXX XXXXXX XXXXXXXXXXXX (X).XXX |
XXXX | Investment | Refinance | Cash Out - Other | 10654507 | N/A | N/A | ||
| XXXX | XXXX | 305217479 | Closed | 2026-08-10 00:52 | 2026-08-19 09:54 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Confirmed disburse date is satisfactory for insurance, Disburse date is X/XX/XXXX per the latest FSS and policy effective date is X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Counter-GL X/X/XXXX XX.X.X states payment for policy term, however does not statement effective date is disburse date. Subject transaction is a refinance, provide the prior policy to evidence continuance. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX, as Settlement statement Disbursement date is X/XX/XXXX and Insurance Effective date is XX/XX/XXXX, Hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per our guidelines, Insurance effective date must be on or before funding date. We do not go by the note date. Attached is the EOI for your convenience. Please rescind finding. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard insurance effective date is after the date of consummation X/XX/XXXX. Proof of insurance as of X/XX/XXXX is missing (refinance transaction). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Per our guidelines, Insurance effective date must be on or before funding date. We do not go by the note date. Attached is the EOI for your convenience. Please rescind finding. - Seller-XX/XX/XXXX |
Resolved-Confirmed disburse date is satisfactory for insurance, Disburse date is X/XX/XXXX per the latest FSS and policy effective date is X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX, as Settlement statement Disbursement date is X/XX/XXXX and Insurance Effective date is XX/XX/XXXX, Hence Finding Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXX XXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10701155 | N/A | N/A | |||
| XXXX | XXXX | 305217613 | Closed | 2026-08-10 01:09 | 2026-08-14 21:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount. | Waived-Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXX Exception in file on page XXX for loan amount less than $XX,XXX of $XX,XXX with comp factors. - Due Diligence Vendor-XX/XX/XXXX | Waived-Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXX Exception in file on page XXX for loan amount less than $XX,XXX of $XX,XXX with comp factors. - Due Diligence Vendor-XX/XX/XXXX |
XXX Representative credit score exceeds the minimum required of XXX by XXX points. $XX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum. DSCR ratio of X.XXX exceeds the minimum requirement of X by X.XXX points. |
XXXX | Investment | Refinance | Cash Out - Other | 10701291 | Originator Post-Close | Yes | ||||
| XXXX | XXXX | 305241208 | Closed | 2026-08-14 13:03 | 2026-08-18 06:27 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR Calculation Undocumented | Resolved-DTI calculation provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See also, page XX of Appraisal report for rental income. - Buyer-XX/XX/XXXX Open-Missing DSCR calculation. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-DTI calculation provided, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX_XXXXX%XX%XXX%XX-%XXXXXX.XXX XXXXXXXXX-XXXXXX-XX.XXX |
XXXX | Investment | Purchase | NA | 10821426 | N/A | N/A | ||||
| XXXX | XXXX | 305196075 | Closed | 2026-08-11 07:09 | 2026-08-19 08:45 | Resolved | 1 - Information | C | A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-Loan disbursed X/X/XXXX and closed on X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This transaction closed on Friday X/XX and disbursed the next following business day Monday X/X. I have attached the CA per diem interest disclosure that states the loan may fund on Friday and disbursed on Monday and up to X additional days of per diem interest may be charged. Can you please review and clear? - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Under the XXXX Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in California prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX.X) State specific finding. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Loan disbursed X/X/XXXX and closed on X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX_X.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 10733678 | N/A | N/A | ||||
| XXXX | XXXX | 305196075 | Closed | 2026-08-11 07:09 | 2026-08-19 08:44 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10733679 | N/A | N/A | |||||
| XXXX | XXXX | 305196075 | Closed | 2026-08-11 07:09 | 2026-08-19 08:44 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) The loan meets HPML XXXXXXXXXX and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10733677 | N/A | N/A | |||||
| XXXX | XXXX | 305217378 | Closed | 2026-08-17 07:24 | 2026-08-18 17:03 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount. | Waived-Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXX Per guidelines, minimum loan amount $XX,XXX. Audited Loan Amount of $XX,XXX. Credit Memo Exception Pg. XXX - Due Diligence Vendor-XX/XX/XXXX |
Waived-Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXX Per guidelines, minimum loan amount $XX,XXX. Audited Loan Amount of $XX,XXX. Credit Memo Exception Pg. XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX Representative credit score exceeds the minimum required of XXX by XX points $XX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX.XX months over the required minimum. XX.XX% LTV is below the maximum XX% LTV by X.XX%. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10844193 | Originator Post-Close | Yes | ||||
| XXXX | XXXX | 305217505 | Closed | 2026-08-17 07:27 | 2026-08-18 15:53 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount. | Waived-Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXX XXXXXXXXX Minimum Loan Amount requirement is $XX,XXX. Audited Loan Amount is $XX,XXX. Credit Memo Exception on Pg #XXX - Due Diligence Vendor-XX/XX/XXXX |
Waived-Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXX XXXXXXXXX Minimum Loan Amount requirement is $XX,XXX. Audited Loan Amount is $XX,XXX. Credit Memo Exception on Pg #XXX - Due Diligence Vendor-XX/XX/XXXX |
XXX Representative credit score exceeds the minimum required of XXX by XX points. $XX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX.XX months over the required minimum. XxXX mortgage history for XX months. |
XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 10844481 | Originator Post-Close | Yes | ||||
| XXXX | XXXX | W26060600 | 305241201 | Closed | 2026-08-13 05:38 | 2026-08-19 10:43 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XX. An interior and exterior appraisal was completed for this property – see pg# XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XX. An interior and exterior appraisal was completed for this property – see pg# XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XX. An interior and exterior appraisal was completed for this property – see pg# XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XX. An interior and exterior appraisal was completed for this property – see pg# XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10783195 | N/A | N/A | ||||
| XXXX | XXXX | 305241199 | Closed | 2026-08-14 02:47 | 2026-08-20 09:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDM Provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing - A "soft pull" credit report within XX business days of the Note date, or n A debt affidavit, signed by the borrower(s), or A letter, written and signed by the borrower(s) stating no new credit was obtained. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-UDM Provided. - Due Diligence Vendor-XX/XX/XXXX |
XXX-XXXXXX-(XX)-X.XXX | XXXX | Primary Residence | Purchase | NA | 10809961 | N/A | N/A | ||||
| XXXX | XXXX | 305241158 | Closed | 2026-08-17 12:42 | 2026-08-18 09:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-Received signed NOTE with Addendums - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see note and PPP addendum - Seller-XX/XX/XXXX Open-The Note is Missing Signed Note is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see note and PPP addendum - Seller-XX/XX/XXXX |
Resolved-Received signed NOTE with Addendums - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10850820 | N/A | N/A | |||
| XXXX | XXXX | 305241158 | Closed | 2026-08-17 12:32 | 2026-08-18 09:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Received Guaranty Agreement - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. please see attached - Seller-XX/XX/XXXX Open-Guaranty Agreement Doc is Missing or Partial Signed Guaranty Agreement Doc is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. please see attached - Seller-XX/XX/XXXX |
Resolved-Received Guaranty Agreement - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10850544 | N/A | N/A | |||
| XXXX | XXXX | 305241158 | Closed | 2026-08-17 08:36 | 2026-08-17 23:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Prepayment rider provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. both riders - Seller-XX/XX/XXXX Open-Provide Prepayment Rider with Signature. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. both riders - Seller-XX/XX/XXXX |
Resolved-Prepayment rider provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10845451 | N/A | N/A | |||
| XXXX | XXXX | 305241158 | Closed | 2026-08-17 08:38 | 2026-08-17 23:39 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Executed Deed of Trust provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX Open-The Deed of Trust is Missing Signed Deed of Trust Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX |
Resolved-Executed Deed of Trust provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10845478 | N/A | N/A | |||
| XXXX | XXXX | 305241158 | Closed | 2026-08-17 08:26 | 2026-08-17 23:32 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Updated Executed Final CD provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-let me know if there is anything else needed for the CD - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Executed Final Closing Disclosure Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-let me know if there is anything else needed for the CD - Seller-XX/XX/XXXX |
Resolved-Updated Executed Final CD provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10845339 | N/A | N/A | |||
| XXXX | XXXX | 305241156 | Closed | 2026-08-17 13:24 | 2026-08-20 09:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Received living rent free LOE - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. see rent free letter for primary residence. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements: Missing XX months pay history for the primary residence XXXX VALLEY VIEW RD APT XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. see rent free letter for primary residence. - Seller-XX/XX/XXXX |
Resolved-Received living rent free LOE - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10851894 | N/A | N/A | |||
| XXXX | XXXX | 305241156 | Closed | 2026-08-17 10:42 | 2026-08-19 01:18 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE provided, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. RCE reflects $XXX,XXX hoi policy reflects $XXX,XX.XX coverage. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. RCE reflects $XXX,XXX hoi policy reflects $XXX,XX.XX coverage. - Seller-XX/XX/XXXX |
Resolved-RCE provided, Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX |
XXX - $XXX,XXX.XX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 10847680 | N/A | N/A | |||
| XXXX | XXXX | 305241177 | Closed | 2026-08-20 09:00 | 2026-09-21 14:20 | Acknowledged | 2 - Non-Material | C | B | Compliance | Mavent | NJ Fee Not Allowed- Processing Fee (Fee ID: 9) | Acknowledged-Although IDS Fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Although IDS Fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Rescinded- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please clarify and list what fees you are referring to that are unallowable as there are no "Processing Fees" noted on the CD. - Buyer-XX/XX/XXXX Open-Section X:X-XX.X of the XXXX Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Processing Fee (Fee ID: X) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Although IDS Fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Although IDS Fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10921004 | Investor Post-Close | No | |||||
| XXXX | XXXX | 305241177 | Closed | 2026-08-18 03:45 | 2026-09-21 14:20 | Acknowledged | 2 - Non-Material | C | B | Compliance | Mavent | NJ Fee Not Allowed- Verification Fee (Fee ID: 553) | Acknowledged-Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please verify actual fee in question. Unable to locate on CD and none was flagged on the Compliance Report. - Seller-XX/XX/XXXX Open-Section X:X-XX.X of the XXXX Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Verification Fee (Fee ID: XXX) to be charged to the Borrower in XX. XXXX Mortgage Loans does not allow Verification Fee. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please verify actual fee in question. Unable to locate on CD and none was flagged on the Compliance Report. - Seller-XX/XX/XXXX |
Acknowledged-Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10861074 | Originator Post-Close | No | ||||
| XXXX | XXXX | 305241177 | Closed | 2026-08-18 03:45 | 2026-09-21 14:20 | Acknowledged | 2 - Non-Material | C | B | Compliance | Mavent | NJ Fee Not Allowed- MERS® Registration Fee (Fee ID: 128) | Acknowledged-Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Open-Section X:X-XX.X of the XXXX Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow MERS® Registration Fee (Fee ID: XXX) to be charged to the Borrower in XX. XXXX Mortgage Loans does not allow MERS® Registration Fee. - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Acknowledged-Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10861075 | Investor Post-Close | No | |||||
| XXXX | XXXX | 305241177 | Closed | 2026-08-25 09:51 | 2026-08-25 09:53 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Tax Related Service Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 11008691 | N/A | N/A | |||||
| XXXX | XXXX | 305241183 | Closed | 2026-08-20 08:29 | 2026-08-24 03:21 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Updated hazard insurance document with effective date of X/X/XX provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Note Date and Disbursement date are X/X/XXXX, the Hazard Insurance policy has an effective date of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Updated hazard insurance document with effective date of X/X/XX provided. Hence resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX _XX_XXX.XXX | XXXX | Investment | Purchase | NA | 10920378 | N/A | N/A | ||||
| XXXX | XXXX | 305241212 | Closed | 2026-08-27 11:24 | 2026-09-03 09:42 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Evidence received. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Budget and purchase HUD attached - Seller-XX/XX/XXXX Counter-Evidence of Documented $XXX,XXX Improvements missing from file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See below LTV limit section within the guidelines to show seasoning. We closed this loan under the three to six month carve out. Since FICO was over XXX, we did not exceed XX% LTV and kept loan amount below the PP ($XXX,XXX) + improvements ($XXXx). - Seller-XX/XX/XXXX Open-Loan does not conform to program guidelines Loan does not meet seasoning requirements for Cash out refinance. Per Title and Appraisal, last Sale date X/XX/XXXX and Note Date is X/XX/XXXX. X month seasoning required for Cash-Out Refinance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Budget and purchase HUD attached - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. See below LTV limit section within the guidelines to show seasoning. We closed this loan under the three to six month carve out. Since FICO was over XXX, we did not exceed XX% LTV and kept loan amount below the PP ($XXX,XXX) + improvements ($XXXx). - Seller-XX/XX/XXXX |
Resolved-Evidence received. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX - XXXX.XXX XXXXX XX XXXX - XXXXX XXX.XXXX XXX XXXX XXXXXXXX.XXX |
XXXX | Investment | Refinance | Cash Out - Other | 11065344 | N/A | N/A | |||
| XXXX | XXXX | 305241212 | Closed | 2026-08-27 10:17 | 2026-09-01 09:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Subject property purchased X/XXXX. Payoff reflects payment history since purchase. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Since the payoff showed the X months of payments, we were fine with this. Borrower purchased the property in May so there would have only been X payments due which show payment on page X of the payoff. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements XX month payment history for subject property, as required by guidelines, is misisng. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Since the payoff showed the X months of payments, we were fine with this. Borrower purchased the property in May so there would have only been X payments due which show payment on page X of the payoff. - Seller-XX/XX/XXXX |
Resolved-Subject property purchased X/XXXX. Payoff reflects payment history since purchase. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX - XXXX XXXX.XXX | XXXX | Investment | Refinance | Cash Out - Other | 11063314 | N/A | N/A | |||
| XXXX | XXXX | 305241229 | Closed | 2026-09-11 14:58 | 2026-09-18 02:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Undiscounted Rate is Missing | Resolved-Undiscounted Rate not required unless compliance triggered a finding for ‘federal/state high-cost testing or a state fee limitation requirement - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please confirm, is there a specific disclosure that is missing? - Buyer-XX/XX/XXXX Open-Undiscounted Rate was Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Undiscounted Rate not required unless compliance triggered a finding for ‘federal/state high-cost testing or a state fee limitation requirement - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | 11334726 | N/A | N/A | ||||||
| XXXX | XXXX | 305241229 | Closed | 2026-09-15 11:39 | 2026-09-17 10:50 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. A COC is missing for the Points - Loan Discount Fee IAO $XX,XXX being added after the LE, The Credit Report Fee increase IAO $XX from the LE and the Doc Tax increased from the Initial LE by $XXX. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXX.XXX | XXXX | Primary Residence | Purchase | 11391473 | N/A | N/A | ||||||
| XXXX | XXXX | 305232798 | Closed | 2026-09-02 03:57 | 2026-09-14 08:31 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Primary Mortgage History - XXXX #XXXX, months reviewed X, page XXX, variable XX, Required minimum XX months housing history to verify. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 11161198 | N/A | N/A | ||||
| XXXX | XXXX | 305232798 | Closed | 2026-09-02 03:34 | 2026-09-10 09:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Secretary of State business filing pulled X/X/XXXX - Buyer-XX/XX/XXXX Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 11161032 | N/A | N/A | ||||
| XXXX | XXXX | 305232798 | Closed | 2026-09-02 07:41 | 2026-09-10 06:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Business Narrative | Resolved-Self-Employed Business Narrative provided, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Business Narrative was missing - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Self-Employed Business Narrative provided, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXXXXX XXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 11164035 | N/A | N/A | ||||
| XXXX | XXXX | 305241211 | Closed | 2026-09-04 11:25 | 2026-09-15 14:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Confirmed mortgage was not late at time of refinance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please explain why an exception is needed. We have full payment history from first payment date through last payment date. Is it because the guidelines says XX months even though that is not possible in this case? Just trying to understand so we don't have to write exceptions in the future where they are not needed. XXXX and I spoke regarding this guideline last Thursday. We can work to clarify if needed but we were on the same page regarding waiving this condition. - Seller-XX/XX/XXXX Counter-Please provide an exception for the housing history. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-I am not sure what there is to waive here. The prior mortgage started in March. Pay history provided is from May through August. May would've been first payment date. The title commitment confirms prior mortgage date. The guidelines say XX months but its meaning full payment history from first payment date through closing. - Seller-XX/XX/XXXX Counter-Please provide a waiver on letterhead signed by a manager or higher and we can waive. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-There is not XX months of history. The mortgage X/XX/XXXX. First payment would have been in May. Pay history shows the reporting period from May through August. - Seller-XX/XX/XXXX Counter-Documentation provided does not satisfy XX months of payment history. Provide VOM or XX months of bank statements showing payments. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Guidelines state XX months of payment history is required on subject property in a refinance. Provide VOM for subject. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please explain why an exception is needed. We have full payment history from first payment date through last payment date. Is it because the guidelines says XX months even though that is not possible in this case? Just trying to understand so we don't have to write exceptions in the future where they are not needed. XXXX and I spoke regarding this guideline last Thursday. We can work to clarify if needed but we were on the same page regarding waiving this condition. - Seller-XX/XX/XXXX Ready for Review-I am not sure what there is to waive here. The prior mortgage started in March. Pay history provided is from May through August. May would've been first payment date. The title commitment confirms prior mortgage date. The guidelines say XX months but its meaning full payment history from first payment date through closing. - Seller-XX/XX/XXXX Ready for Review-There is not XX months of history. The mortgage X/XX/XXXX. First payment would have been in May. Pay history shows the reporting period from May through August. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX |
Resolved-Confirmed mortgage was not late at time of refinance. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXXXXXX XXXXXXX - XXXXXXX.XXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | 11224290 | N/A | N/A | |||
| XXXX | XXXX | 305232780 | Closed | 2026-09-09 09:07 | 2026-09-14 09:06 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-The Appraisal fee IAO $XXX was added to the Initial CD and not on the LE's and the Credit Report Fee increased from $XXX to $XXX.XX. There is no COC in the file. Please provide a COC for the increased fee. - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee, Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final CD and PCCD uploaded to reflect final fees - Buyer-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee, Appraisal Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Please provide a COC for the increased fees. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXX XX XXX XXXX.XXX XXXXXXXXX_XXX.XXX XXXXXXXXX_XXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 11270950 | N/A | N/A | |||
| XXXX | XXXX | 305232780 | Closed | 2026-09-08 01:30 | 2026-09-10 09:07 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-XXXXXXXXXX is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XXXXXXXXXX is Missing XXXXXXXXXX was missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXXXXXXXXX is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXXXXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 11238747 | N/A | N/A | |||
| XXXX | XXXX | 305232780 | Closed | 2026-09-09 09:07 | 2026-09-10 08:52 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final CD and PCCD uploaded showing final fees - Buyer-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Please provide a COC for the decreased lender credits. - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXX XX XXX XXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 11270949 | N/A | N/A | ||||
| XXXX | XXXX | 305232780 | Closed | 2026-09-08 04:04 | 2026-09-10 06:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-XXXXX XXXXXXXXXX provided, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXXX XXXXXXXX is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XXXXX XXXXXXXX is missing XXXXX XXXXXXXX was missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXXXX XXXXXXXXXX provided, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-XXXXX XXXXXXXX is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX_XXXXX XXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 11240222 | N/A | N/A |