MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM12 ABS-15G
Exhibit 99.3 - Schedule 1
| Loan ID | Seller Loan ID | Redaction ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| XXXX | XXXX | 10196874 | C | A | C | A | A | A | A | A | Closed | FPRO1249 | 2025-11-19 14:32 | 2026-09-25 14:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Resolved-Change in program that allows Rural properties. - Due Diligence Vendor-12/02/2025 Counter-Matrix dated 10/13/25 lists Rural Properties as Ineligible-page 4. Finding remains. - Due Diligence Vendor-11/25/2025 Ready for Review-Document Uploaded. Please confirm guidelines. From what I can see, XXXX guidelines allow rural properties on DSCR transactions provided that all of the following are satisfactory--primarily that property is <20 acres. - Seller-11/24/2025 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program - Rural properties are Ineligible - Due Diligence Vendor-11/20/2025 |
Ready for Review-Document Uploaded. Please confirm guidelines. From what I can see, XXXX allow rural properties on DSCR transactions provided that all of the following are satisfactory--primarily that property is <20 acres. - Seller-11/24/2025 |
Resolved-Change in program that allows Rural properties. - Due Diligence Vendor-12/02/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Score is 781 and minimum allowed is 700. Required is 700 Borrower has 781 Months Reserves exceed minimum required - Reserves = 19 months – Required Reserves = 9 Months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6309905 | |
| XXXX | XXXX | 10101177 | C | A | C | A | A | A | A | A | Closed | FCRE0180 | 2025-12-17 15:59 | 2026-01-06 16:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-Received complete security instrument with XXXX notary. - Due Diligence Vendor-01/06/2026 Ready for Review-Document Uploaded. dot page 17-18, please clear - Seller-01/02/2026 Counter-Please provide the Certificate of acknowledgment for review. - Due Diligence Vendor-12/24/2025 Ready for Review-Excuse me, the XXXX. A certificate of acknowledgment was completed and signed as required by guidelines. Please clear finding - Seller-12/22/2025 Ready for Review-XXXX. A certificate of acknowledgment was completed and signed as required by guidelines. Please clear finding - Seller-12/22/2025 Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. Per the applicable guidelines documents signed outside of the U.S. must be notarized by a U.S. embassy or consular official. The certificate of acknowledgement must include the embassy or consular seal and be acceptable to the title company. pg 129. The mortgage was notarized by a XXXX notary. - Due Diligence Vendor-12/17/2025 |
Ready for Review-Document Uploaded. dot page 17-18, please clear - Seller-01/02/2026 Ready for Review-Excuse me, the XXXX. A certificate of acknowledgment was completed and signed as required by guidelines. Please clear finding - Seller-12/22/2025 Ready for Review-XXXX. A certificate of acknowledgment was completed and signed as required by guidelines. Please clear finding - Seller-12/22/2025 |
Resolved-Received complete security instrument with XXXX notary. - Due Diligence Vendor-01/06/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 51.95 Months Reserves exceed minimum required - 0 reserves required - borrower has 33.03 months reserves |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6669893 | |
| XXXX | 10101493 | C | A | C | A | A | A | A | A | Closed | FCRE1510 | 2025-12-18 07:09 | 2025-12-24 15:06 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/24/2025 Ready for Review-Document Uploaded. DOT WITH LEGAL - Seller-12/23/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The Legal description was not attached to the mortgage. - Due Diligence Vendor-12/18/2025 |
Ready for Review-Document Uploaded. DOT WITH LEGAL - Seller-12/23/2025 |
Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/24/2025 |
DSCR % greater than 1.20 - Required is 1 Borrower has 2.313 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 793 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6680013 | ||
| XXXX | 10026575 | C | A | C | A | A | A | A | A | Closed | FCRE6763 | 2026-01-07 07:28 | 2026-02-19 12:01 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Client provided exception for 2 months rent checks. Upon further research, per GL 1.8.2.1.1 under Notes. Expired long term leases that have converted to month to month are acceptable - Due Diligence Vendor-02/19/2026 Ready for Review-Document Uploaded. The lease provide is the lease… there is no other lease. Verbiage states. “the lease term will begin on august 21 2022” It provide the amount of rent and terms please remove finding for lease. PCE attached for the proof of 2 months receipt of rent. - Seller-02/17/2026 Open-Per g/l's California properties with an ADU must include a copy of the current lease with two (2) months proof of current receipt. The loan file doesn't contain either. It is noted that the terms of the lease = month-to-month, however, it was originally signed on 8/1/2022.Underwriting acknowledges that the ADU appears to be occupied, (see pics on page 210 of 403). - Due Diligence Vendor-01/07/2026 |
Ready for Review-Document Uploaded. The lease provide is the lease… there is no other lease. Verbiage states. “the lease term will begin on august 21 2022” It provide the amount of rent and terms please remove finding for lease. PCE attached for the proof of 2 months receipt of rent. - Seller-02/17/2026 |
Resolved-Client provided exception for 2 months rent checks. Upon further research, per GL 1.8.2.1.1 under Notes. Expired long term leases that have converted to month to month are acceptable - Due Diligence Vendor-02/19/2026 |
Months Reserves exceed minimum required - minimum reserves required = 3 months - borrower has 26.9 months of reserves. DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0 Borrower has 1.157 Required is 0 Borrower has 1.157 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6955032 | ||
| XXXX | 10101415 | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-01-05 10:49 | 2026-01-16 16:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Proof of payments provided. - Due Diligence Vendor-01/16/2026 Counter-Received XXXX, Payment Confirmation, LOE. Missing documentation to 12 months payment. - Due Diligence Vendor-01/15/2026 Ready for Review-Document Uploaded. Please see document from XXXX and bank statement to match to the payment history. - Seller-01/14/2026 Counter-Payment history for XXXX provided but no VOM or property identify documentation. The final application shows the borrower owning XXXX. Review of section 3 of the application does not show XXXX as an owned property. Missing verification of any mortgage payment or Free and Clear status. The drive report shows an original loan amount on this property of XXXX. - Due Diligence Vendor-01/09/2026 Ready for Review-Document Uploaded. VOM for primary residence has been provided. Please clear finding. - Seller-01/08/2026 Open-Housing History Does Not Meet Guideline Requirements The final application shows the borrower owning XXXX. Review of section 3 of the application does not show XXXX as an owned property. Missing verification of any mortgage payment or Free and Clear status. The drive report shows an original loan amount on this property of XXXX. - Due Diligence Vendor-01/05/2026 |
Ready for Review-Document Uploaded. Please see document from XXXX and bank statement to match to the payment history. - Seller-01/14/2026 Ready for Review-Document Uploaded. VOM for primary residence has been provided. Please clear finding. - Seller-01/08/2026 |
Resolved-Proof of payments provided. - Due Diligence Vendor-01/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 668 Required is 620 Borrower has 668 Months Reserves exceed minimum required - 3 months required, subject 84 months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6914469 | ||
| XXXX | XXXX | 10196883 | C | B | C | B | A | A | A | A | Closed | FCRE0104 | 2026-02-13 09:34 | 2026-02-17 17:04 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived-Document Uploaded. Originator waiver applied to non-material finding. Exception to allow a prepay in XXXX. - Due Diligence Vendor-02/17/2026 Open-Prepayment Penalty is not allowed. Prepayment Penalty not allowed in XXXX per guides - Due Diligence Vendor-02/13/2026 |
Waived-Document Uploaded. Originator waiver applied to non-material finding. Exception to allow a prepay in XXXX. - Due Diligence Vendor-02/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 LTV is less than guideline maximum - Required is 80 Borrower has 39.86 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Originator Post-Close | Yes | 7607404 | ||
| XXXX | XXXX | 10196883 | C | B | C | B | A | A | A | A | Closed | FCRE0190 | 2026-01-23 09:43 | 2026-01-27 15:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | 1004D is expired or dated after Note date | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/27/2026 Ready for Review-The 1004D was performed as a recertification of value on XXXX. The Note date was 45 days later on XXXX. The Note date was within the 120 day limit for the age of the 1004D. - Seller-01/26/2026 Open-1004D is expired or dated after Note date. 1004D/442 dated XXXX - Due Diligence Vendor-01/23/2026 |
Ready for Review-The 1004D was performed as a recertification of value on XXXX. The Note date was 45 days later on XXXX. The Note date was within the 120 day limit for the age of the 1004D. - Seller-01/26/2026 |
Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/27/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 801 LTV is less than guideline maximum - Required is 80 Borrower has 39.86 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7268376 | ||
| XXXX | XXXX | 10156818 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-02-20 08:22 | 2026-02-26 14:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received brokerage statement confirming sufficient reserves. - Due Diligence Vendor-02/26/2026 Ready for Review-Document Uploaded. Reserves / Statement - Buyer-02/25/2026 Open-Audited Reserves of 0.85 month(s) are less than Guideline Required Reserves of 3 month(s) Loan file is absent additional funds for reserves - Due Diligence Vendor-02/20/2026 |
Resolved-Received brokerage statement confirming sufficient reserves. - Due Diligence Vendor-02/26/2026 |
On time mortgage history exceeds guideline requirement - Guidelines allow 1x30x12. Borrower has 0x30x38. Credit history exceeds minimum required - Credit History = 206 Months Minimum Credit History = 24 Months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 7717481 | ||
| XXXX | XXXX | 10200444 | D | A | A | A | D | A | A | A | Closed | FCOM5135 | 2026-03-03 12:42 | 2026-03-11 09:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated business disclosure, finding resolved. - Due Diligence Vendor-03/11/2026 Ready for Review-Document Uploaded. - Seller-03/10/2026 Open-Required Affiliated Business Disclosure Missing ----- Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. - Seller-03/10/2026 |
Resolved-Received Affiliated business disclosure, finding resolved. - Due Diligence Vendor-03/11/2026 |
LTV is less than guideline maximum - LTV 65% max 80%. Required is 80 Borrower has 65 Months Reserves exceed minimum required - 21 available, 12 required |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7899835 | |
| XXXX | XXXX | 10200443 | D | B | A | A | D | B | A | A | Closed | FCOM2630 | 2026-03-13 10:08 | 2026-03-20 12:30 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Received Right To Choose Attorney or Attorney Preference. Finding Resolved - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Seller-03/19/2026 Open-Right To Choose Attorney or Attorney Preference Not In File Attorney Preference missing from file - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document Uploaded. - Seller-03/19/2026 |
Resolved-Received Right To Choose Attorney or Attorney Preference. Finding Resolved - Due Diligence Vendor-03/20/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 Qualifying DTI below maximum allowed - Required is 45 Borrower has 9.1 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8094917 | |
| XXXX | XXXX | 10200443 | D | B | A | A | D | B | A | A | Closed | FCOM0013 | 2026-03-13 10:08 | 2026-03-20 12:30 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026 Ready for Review-Document Uploaded. - Seller-03/19/2026 Open-Missing e-Consent. E-consent missing from file - Due Diligence Vendor-03/13/2026 |
Ready for Review-Document Uploaded. - Seller-03/19/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/20/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 Qualifying DTI below maximum allowed - Required is 45 Borrower has 9.1 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 8094920 | |
| XXXX | XXXX | 10200443 | D | B | A | A | D | B | A | A | Closed | FCOM5135 | 2026-03-13 10:08 | 2026-03-13 10:49 | Waived | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-03/13/2026 | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-03/13/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 80 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 Qualifying DTI below maximum allowed - Required is 45 Borrower has 9.1 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8094918 | |||
| XXXX | XXXX | 10210155 | C | B | C | A | C | B | A | A | Closed | FCRE0157 | 2026-04-02 17:17 | 2026-05-22 09:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Resolved-Guidelines updated to the XXXX - Properties listed for sale within the last 6 months may not be currently listed and and LOE is required. Guidelines met. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/19/2026 Counter-Received LOX and Listing showing off the market, but the date of removal is not confirmed with document. Finding remains. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Supporting Documents - Seller-05/01/2026 Open-Loan does not meet guideline requirements for loans listed for sale. The appraiser indicated the subject has been offered for sale in the prior twelve months. The appraiser indicated to "see attached;" however, the attachment is not reflected in the appraisal. Provide listing information. Subject to additional conditions. - Due Diligence Vendor-04/02/2026 |
Ready for Review-Document Uploaded. Supporting Documents - Seller-05/01/2026 |
Resolved-Guidelines updated to the XXXX - Properties listed for sale within the last 6 months may not be currently listed and and LOE is required. Guidelines met. - Due Diligence Vendor-05/22/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 720 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.88 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8463164 | |
| XXXX | XXXX | 10210155 | C | B | C | A | C | B | A | A | Closed | finding-651 | 2026-04-02 12:30 | 2026-05-15 13:03 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | TILA Finance Charge Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. 1. cure check copy 2. cd - Buyer-05/15/2026 Open-This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is XXXX8. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than $100. ------This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) ). The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than $100 at $895.00. Provide evidence of refund or principal reduction of $895.00, or at a minimum to the $100 threshold, corrected PCCD, Letter of explanation and proof of delivery to borrower within 60 days of discovery. Statute also requires rescission to be re-opened, therefore ROR is required to be provided. statute of Limitations - 1 year, expiration date XXXX. Please provide an itemization of fees including prepaid finance fees the borrower paid. - Due Diligence Vendor-04/02/2026 |
Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-05/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 720 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.88 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8456557 | ||
| XXXX | XXXX | 10210155 | C | B | C | A | C | B | A | A | Closed | FCRE6618 | 2026-04-01 16:20 | 2026-05-06 15:02 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Upon further review, borrower is being qualified w/ W2 income only. Borrower has been focusing on family the past few years thus the decline in income and why it has not been used in this transaction - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. **We did not utilize business income for qualification (see attached) **The Lox for the home being listed for sale is attached. - Buyer-05/05/2026 Open-Loan application is incomplete in that it does not reflect borrower's current ownership of XXXX (most recent is not marked as final return). K1s indicate consistent losses. While audited calculated income is positive, entity should be reflected on loan application. - Due Diligence Vendor-04/01/2026 |
Resolved-Upon further review, borrower is being qualified w/ W2 income only. Borrower has been focusing on family the past few years thus the decline in income and why it has not been used in this transaction - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 720 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.88 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8438219 | ||
| XXXX | XXXX | 10210155 | C | B | C | A | C | B | A | A | Closed | FCRE1440 | 2026-04-01 15:54 | 2026-05-04 13:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received proof of HOA to document 87.80 noted. - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/01/2026 Open-Housing History Does Not Meet Guideline Requirements Missing documents for primary residence confirming any monthly association fees as reflected on loan application. Other findings may apply. - Due Diligence Vendor-04/01/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-05/01/2026 |
Resolved-Received proof of HOA to document XXXX noted. - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 720 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.88 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8437633 | |
| XXXX | XXXX | 10200503 | C | B | C | B | A | A | A | A | Closed | FCRE1148 | 2026-04-20 15:19 | 2026-05-11 11:49 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received proof of Title Coverage Amount of XXXX - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Final title policy - Buyer-05/07/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Provide title policy with proposed amount of insurance of XXXX. - Due Diligence Vendor-04/21/2026 |
Resolved-Received proof of Title Coverage Amount of XXXX - Due Diligence Vendor-05/11/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 8777408 | ||
| XXXX | XXXX | 10200503 | C | B | C | B | A | A | A | A | Closed | FCRE0044 | 2026-04-23 17:13 | 2026-04-24 12:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for Credit inquiries. - Due Diligence Vendor-04/24/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-04/24/2026 Open-LOX for credit inquiries is missing. *New* Please provide an LOE for the inquiries on 3/3/2026 reporting on the UDN - Due Diligence Vendor-04/23/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-04/24/2026 |
Resolved-Received LOX for Credit inquiries. - Due Diligence Vendor-04/24/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 8850935 | |
| XXXX | XXXX | 10200503 | C | B | C | B | A | A | A | A | Closed | FCRE5790 | 2026-04-20 17:09 | 2026-04-23 17:12 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDN - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-04/22/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide gap credit report within 10 days of the note date. - Due Diligence Vendor-04/21/2026 |
Resolved-Received UDN - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 8779686 | ||
| XXXX | XXXX | 10200503 | C | B | C | B | A | A | A | A | Closed | FPRO1249 | 2026-04-20 15:58 | 2026-04-23 17:10 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Client provided a waiver for > 20 acres, applied to non material finding with comp factors - Due Diligence Vendor-04/23/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-04/22/2026 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Exception request to proceed with XXXX property when max is 20 acres. XXXX exception approval not found in loan file. Provide exception approval. - Due Diligence Vendor-04/20/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-04/22/2026 |
Waived-Client provided a waiver for > 20 acres, applied to non material finding with comp factors - Due Diligence Vendor-04/23/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.55 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 |
Credit score 45 amt above min DTI 2% amt below max Reserves 46 mo above min Residual income $5149 amt above min Credit History 0x30 mtg since XXXX There will be an Exception LLPA hit of 0.25 that will apply for this specific exception. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Investor Post-Close | No | 8778436 |
| XXXX | XXXX | 10256796 | C | A | C | A | A | A | C | A | Closed | FCRE2244 | 2026-04-21 18:15 | 2026-05-15 13:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received revised appraisal, please see new finding for missing 1004d. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/06/2026 Open-Property Issues are identified for the property Appraiser to comment on the basement kitchen. Subject has a full kitchen in the basement including a stove. The kitchen must be legal or legal non-conforming (grandfathered) under local zoning regulations. Additional conditions may apply. - Due Diligence Vendor-04/21/2026 |
Resolved-Received revised appraisal, please see new finding for missing 1004d. - Due Diligence Vendor-05/07/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 44.44 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.24 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 749 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8806046 | ||
| XXXX | XXXX | 10256796 | C | A | C | A | A | A | C | A | Closed | FPRO1136 | 2026-05-07 16:30 | 2026-05-15 13:17 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/14/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present - Due Diligence Vendor-05/07/2026 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-05/15/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 44.44 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.24 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 749 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9093377 | ||
| XXXX | XXXX | 10256796 | C | A | C | A | A | A | C | A | Closed | FCRE0112 | 2026-04-21 13:34 | 2026-05-01 14:35 | Resolved | 1 - Information | C | A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_3 | Resolved-Received 1008 - Due Diligence Vendor-05/01/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-04/30/2026 Open-Approval/Underwriting Summary Not Provided. Need updated final 1008 Transmittal reflecting correct income and debts used to qualify (as 1008 in file does not appear to reflect correct total income and debts). - Due Diligence Vendor-04/21/2026 |
Resolved-Received 1008 - Due Diligence Vendor-05/01/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 44.44 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.24 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 749 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8800039 | ||
| XXXX | XXXX | 10291263 | D | A | D | A | A | A | A | A | Closed | FCRE1364 | 2026-04-28 11:40 | 2026-05-04 11:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-05/04/2026 Ready for Review-Document Uploaded. 4506 - Seller-04/30/2026 Open-Borrower 2 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-04/28/2026 |
Ready for Review-Document Uploaded. 4506 - Seller-04/30/2026 |
Resolved-Received Borrower 2 Executed 4506-T/4506-C - Due Diligence Vendor-05/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 704 LTV is less than guideline maximum - Required is 80 Borrower has 72.31 Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.66 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 8922079 | |
| XXXX | XXXX | 10268898 | C | B | C | B | A | A | C | B | Closed | FCRE3599 | 2026-05-01 10:23 | 2026-05-01 12:29 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Client exception granted to allow exposure to exceed guides., Non-material waiver applied with comp factors. nonmaterial due to FICO and LTV. - Due Diligence Vendor-05/01/2026 Open-XXXX exposure over 10loans/ $7.5mm - Due Diligence Vendor-05/01/2026 |
Waived-Client exception granted to allow exposure to exceed guides., Non-material waiver applied with comp factors. nonmaterial due to FICO and LTV. - Due Diligence Vendor-05/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 Required is 660 Borrower has 784 Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.99 Required is 50 Borrower has 14.99 LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 |
FICO 20 points or more above requirement, Total Debt 10%or more under requirement, Reserves 12+ months more than requirement, Residual Income $3K or more, Long Term Employment(>5years), LongTerm Homeownership (>5 years) | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 8998226 | ||
| XXXX | XXXX | 10268898 | C | B | C | B | A | A | C | B | Closed | FPRO1258 | 2026-05-01 10:22 | 2026-05-01 12:28 | Waived | 2 - Non-Material | C | B | Property | Property | Property Issues are Present | Waived-Client exception granted to allow Basement kitchen not being removed, Non-materialwaiver applied with comp factors. nonmaterial due to FICO and LTV - Due Diligence Vendor-05/01/2026 Open-2 basement kitchens with stoves removed. There is no gas line. - Due Diligence Vendor-05/01/2026 |
Waived-Client exception granted to allow Basement kitchen not being removed, Non-materialwaiver applied with comp factors. nonmaterial due to FICO and LTV - Due Diligence Vendor-05/01/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 784 Required is 660 Borrower has 784 Qualifying DTI below maximum allowed - Required is 50 Borrower has 14.99 Required is 50 Borrower has 14.99 LTV is less than guideline maximum - Required is 80 Borrower has 70 Required is 80 Borrower has 70 |
FICO 20 points or more above requirement, Total Debt 10%or more under requirement, Reserves 12+ months more than requirement, Residual Income $3K or more, Long Term Employment(>5years), LongTerm Homeownership (>5 years) | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 8998206 | ||
| XXXX | XXXX | 10262997 | D | B | D | B | A | A | A | A | Closed | FCRE7497 | 2026-05-05 09:39 | 2026-05-12 11:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA and Master policy. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. - Buyer-05/11/2026 Counter-Received Taxes and Master policy. Missing proof of HOA for 3c. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. See attached Property taxes and HOA policy - Buyer-05/06/2026 Open-REO 3c: Please provide documentation for Real Estate taxes, and HOA dues. Additionally, per the borrower's LOX in file, provide a copy of the Master Condominium Policy to show that the borrower is not required to carry individual condominium insurance for their unit. Additional conditions may apply pending review. - Due Diligence Vendor-05/05/2026 |
Resolved-Received HOA and Master policy. - Due Diligence Vendor-05/12/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 812 Months Reserves exceed minimum required - 3 months required, borrower has 7 months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9042159 | ||
| XXXX | XXXX | 10262997 | D | B | D | B | A | A | A | A | Closed | FCRE1202 | 2026-05-05 10:16 | 2026-05-08 12:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud report. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. See attached updated fraudguard - Buyer-05/06/2026 Open-Third Party Fraud Report Partially Provided The parties to the loan were not checked against XXXX Exclusionary List. - Due Diligence Vendor-05/05/2026 |
Resolved-Received Fraud report. - Due Diligence Vendor-05/08/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 812 Months Reserves exceed minimum required - 3 months required, borrower has 7 months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9042825 | ||
| XXXX | XXXX | 10262997 | D | B | D | B | A | A | A | A | Closed | FCRE8201 | 2026-05-05 09:54 | 2026-05-05 11:23 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-05/05/2026 Open-Lender exception in file to allow use of personal bank statements shared with ex-spouse and formerly in a trust. - Due Diligence Vendor-05/05/2026 |
Waived-Investor waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-05/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 812 Months Reserves exceed minimum required - 3 months required, borrower has 7 months |
Reserves 2x max (7 mos) 18+ years employment stability Low credit usage/payments |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Investor Post-Close | No | 9042398 | ||
| XXXX | XXXX | 10233098 | C | B | C | B | A | A | A | A | Closed | FCRE5790 | 2026-05-05 16:00 | 2026-05-11 10:33 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/07/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). UDM is dated XXXX and is more than 10 days prior to close. - Due Diligence Vendor-05/05/2026 |
Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-05/07/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.53 Months Reserves exceed minimum required - 91 months PITIA reserves; 3 months reserves required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9051675 | ||
| XXXX | XXXX | 10233098 | C | B | C | B | A | A | A | A | Closed | FCRE5791 | 2026-05-05 16:00 | 2026-05-11 10:33 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/07/2026 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). UDM is dated XXXX and is more than 10 days prior to close. - Due Diligence Vendor-05/05/2026 |
Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-05/07/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.53 Months Reserves exceed minimum required - 91 months PITIA reserves; 3 months reserves required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9051676 | ||
| XXXX | XXXX | 10233098 | C | B | C | B | A | A | A | A | Closed | FCRE1200 | 2026-05-05 14:34 | 2026-05-07 16:53 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client provided a waiver for loan amount, applied to non material finding with comp factors - non-material, $1k variance. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/06/2026 Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX and no exception approval provided in file. There is a Loan Amount excception pricing adjustment on the loan approval. - Due Diligence Vendor-05/05/2026 |
Waived-Client provided a waiver for loan amount, applied to non material finding with comp factors - non-material, $1k variance. - Due Diligence Vendor-05/07/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.53 Months Reserves exceed minimum required - 91 months PITIA reserves; 3 months reserves required. |
There will be an Exception LLPA hit of 0.25 that will apply for this specific exception. Credit Score 34 point over guide 77 months reserves 0x30x36 credit history. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 9049612 | |
| XXXX | XXXX | 10262970 | D | A | D | A | D | A | C | A | Closed | FCOM1263 | 2026-05-04 10:46 | 2026-05-18 11:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Partially Provided | Resolved-Received executed Right of Rescission by all borrowers. Finding Resolved. - Due Diligence Vendor-05/18/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/18/2026 Open-Right of Rescission is Partially Provided Provide the executed Right of Recission for borrower 2 and 3. - Due Diligence Vendor-05/04/2026 |
Resolved-Received executed Right of Rescission by all borrowers. Finding Resolved. - Due Diligence Vendor-05/18/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.78 LTV is less than guideline maximum - Required is 80 Borrower has 53.19 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9023123 | ||
| XXXX | XXXX | 10262970 | D | A | D | A | D | A | C | A | Closed | FCOM0013 | 2026-05-04 10:46 | 2026-05-18 11:26 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/06/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/06/2026 Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrowers. - Due Diligence Vendor-05/04/2026 |
Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-05/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.78 LTV is less than guideline maximum - Required is 80 Borrower has 53.19 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9023124 | ||
| XXXX | XXXX | 10262970 | D | A | D | A | D | A | C | A | Closed | FCRE0044 | 2026-05-07 15:45 | 2026-05-13 16:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Inquiry letter provided. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/13/2026 Open-LOX for credit inquiries is missing. - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-05/13/2026 |
Resolved-Inquiry letter provided. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.78 LTV is less than guideline maximum - Required is 80 Borrower has 53.19 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9092333 | |
| XXXX | XXXX | 10262970 | D | A | D | A | D | A | C | A | Closed | FCRE0113 | 2026-05-05 09:53 | 2026-05-13 16:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Updated appraisal received with listing info added. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/13/2026 Open-Appraiser to comment on why appraisal indicates no listing of the subject property within the past 12 months and property lookup indicated the subject was listed for sale from XXXX - Due Diligence Vendor-05/05/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-05/13/2026 |
Resolved-Updated appraisal received with listing info added. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.78 LTV is less than guideline maximum - Required is 80 Borrower has 53.19 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9042388 | |
| XXXX | XXXX | 10262970 | D | A | D | A | D | A | C | A | Closed | FCRE1506 | 2026-05-05 10:08 | 2026-05-13 16:28 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, the subject property rental income was incorrect on the income screen. Audited DTI of 43.78% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Supporting Documents - Buyer-05/13/2026 Counter-Pending DTI finding - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/07/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds due to total debt and IO qualified at start rate @ fully amortized payment - Due Diligence Vendor-05/05/2026 |
Resolved-After further review, the subject property rental income was incorrect on the income screen. Audited DTI of 43.78% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.78 LTV is less than guideline maximum - Required is 80 Borrower has 53.19 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9042665 | ||
| XXXX | XXXX | 10262970 | D | A | D | A | D | A | C | A | Closed | FCRE1193 | 2026-05-04 19:38 | 2026-05-13 16:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-After further review, the subject property rental income was incorrect on the income screen. Audited DTI of 43.78% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. - Seller-05/13/2026 Ready for Review-Document Uploaded. Supporting Documents - Buyer-05/13/2026 Counter-Received Lender1008. Audit calculation XXXX REO calculations for all other REOs are consistent. DTI exceeds guidelines by .65%. Finding remains. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/07/2026 Open-Audited DTI of 50.65% exceeds Guideline DTI of 50% Lender qualified at a P&I payment over a 480 term and should have been qualified at I/O for 120 months and P&I for 360 term. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. - Seller-05/13/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/07/2026 |
Resolved-After further review, the subject property rental income was incorrect on the income screen. Audited DTI of 43.78% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.78 LTV is less than guideline maximum - Required is 80 Borrower has 53.19 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9033508 | |
| XXXX | XXXX | 10262970 | D | A | D | A | D | A | C | A | Closed | FCRE1183 | 2026-05-04 19:38 | 2026-05-13 16:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-1008 provided. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Supporting Documents - Buyer-05/13/2026 Counter-Received Lender Calculation, 1003, and 1008. Audit calculation XXXX. REO calculations for all other REOs are consistent. DTI exceeds guidelines by .65%. Finding remains. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. Supporting Documents - Buyer-05/07/2026 Open-Approval/Underwriting Summary Partially Provided Need updated final 1008 Transmittal and P&I for subject is showing incorrectly. Need to clarification calculation for Schedule E rental properties as information on worksheets does not match to 1003 or what was used for income calculation for rentals in 1008 (Rental income - subject property) as we are utilizing market rent from Appraisal. - Due Diligence Vendor-05/04/2026 |
Resolved-1008 provided. - Due Diligence Vendor-05/13/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.78 LTV is less than guideline maximum - Required is 80 Borrower has 53.19 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9033507 | ||
| XXXX | XXXX | 10262970 | D | A | D | A | D | A | C | A | Closed | FCRE5782 | 2026-05-04 18:01 | 2026-05-13 16:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/06/2026 Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit report 10 days prior to close. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-05/06/2026 |
Resolved-Received Gap report. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.78 LTV is less than guideline maximum - Required is 80 Borrower has 53.19 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9032957 | |
| XXXX | XXXX | 10262970 | D | A | D | A | D | A | C | A | Closed | FCRE5783 | 2026-05-04 18:01 | 2026-05-13 16:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/06/2026 Open-Borrower 2 Gap Credit Report is Missing Missing Gap Credit report 10 days prior to close. - Due Diligence Vendor-05/04/2026 |
Resolved-Received Gap report. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.78 LTV is less than guideline maximum - Required is 80 Borrower has 53.19 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9032958 | ||
| XXXX | XXXX | 10262970 | D | A | D | A | D | A | C | A | Closed | FCRE5784 | 2026-05-04 18:01 | 2026-05-13 16:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/06/2026 Open-Borrower 3 Gap Credit Report is Missing Missing Gap Credit report 10 days prior to close. - Due Diligence Vendor-05/04/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-05/06/2026 |
Resolved-Received Gap report. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.78 LTV is less than guideline maximum - Required is 80 Borrower has 53.19 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9032959 | |
| XXXX | XXXX | 10262970 | D | A | D | A | D | A | C | A | Closed | FCRE7896 | 2026-05-04 15:22 | 2026-05-07 15:35 | Resolved | 1 - Information | C | A | Property | Appraisal | Two of more full valuation products not provided for loan amounts between $1.2 M and $2 million | Resolved-Received Desk Review. - Due Diligence Vendor-05/07/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/06/2026 Open-Additional valuation product has not been provided and Loan Amount is: XXXX Need additional third party valuations as no additional documentation was provided. - Due Diligence Vendor-05/04/2026 |
Resolved-Received Desk Review. - Due Diligence Vendor-05/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 745 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.78 LTV is less than guideline maximum - Required is 80 Borrower has 53.19 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9029768 | ||
| XXXX | XXXX | 10162233 | D | A | D | A | A | A | A | A | Closed | FCRE1206 | 2026-05-08 10:29 | 2026-05-13 13:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Lender response. Appraisal company Exclusionary list is XXXX. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Investor response - Buyer-05/12/2026 Open-XXXX may be on Lender's exclusionary list. List discloses XXXX. - Due Diligence Vendor-05/08/2026 |
Resolved-Received Lender response. Appraisal company Exclusionary list is XXXX. - Due Diligence Vendor-05/13/2026 |
Months Reserves exceed minimum required - Has 99 months of reserves remaining after deducting 3 months. Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.23 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9105634 | ||
| XXXX | XXXX | 10162233 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-05-06 12:23 | 2026-05-12 16:32 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-HELOC report on credit through 12/2025. Payoff confirms the last payment made was 12/1/25 and the loan is due for 3/1//26, confirming it's been paid on time. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. 1. Credit Report. 2. HELOC Payment. - Buyer-05/11/2026 Open-Housing History Does Not Meet Guideline Requirements 1003 Property 3D - HELOC loan - need to verify 12 month payment history for this loan (as money was withdrawn per bank printout. Need to verify next payment due if this is first withdrawal for this account). - Due Diligence Vendor-05/06/2026 |
Resolved-HELOC report on credit through XXXX. Payoff confirms the last payment made was XXXX and the loan is due for XXXX, confirming it's been paid on time. - Due Diligence Vendor-05/12/2026 |
Months Reserves exceed minimum required - Has 99 months of reserves remaining after deducting 3 months. Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.23 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9066419 | ||
| XXXX | XXXX | 10162233 | D | A | D | A | A | A | A | A | Closed | FCRE0177 | 2026-05-06 10:48 | 2026-05-11 13:36 | Resolved | 1 - Information | D | A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received Lender comment that rental income is not being used. 1007 not req - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. 1007 not in appraisal. Rental income not used for any Investment property. Loan qualified using bank statements, only. Lease Agreements and 1007 not required. - Seller-05/08/2026 Open-Missing Third Party Market Rent Source Missing 1007 with rent comparables for subject property. - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. 1007 not in appraisal. Rental income not used for any Investment property. Loan qualified using bank statements, only. Lease Agreements and 1007 not required. - Seller-05/08/2026 |
Resolved-Received Lender comment that rental income is not being used. 1007 not req - Due Diligence Vendor-05/11/2026 |
Months Reserves exceed minimum required - Has 99 months of reserves remaining after deducting 3 months. Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.23 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9063696 | |
| XXXX | XXXX | 10162233 | D | A | D | A | A | A | A | A | Closed | FCRE0044 | 2026-05-06 12:36 | 2026-05-11 13:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. Inquiries over 90 days old. - Buyer-05/08/2026 Open-LOX for credit inquiries is missing. Missing inquiry letter fully executed - Due Diligence Vendor-05/06/2026 |
Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-05/11/2026 |
Months Reserves exceed minimum required - Has 99 months of reserves remaining after deducting 3 months. Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.23 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9066689 | ||
| XXXX | XXXX | 10268880 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 10268885 | D | A | D | A | C | A | A | A | Closed | FCRE1506 | 2026-05-06 15:46 | 2026-05-11 09:53 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-After further review, less than a 12-month housing is allowed with a DTI below 43% and and LTV less than 80%. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. 1. VOR 2. RENT memo and explanation docs - Seller-05/07/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. full 12 months of rent payments required - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. 1. VOR 2. RENT memo and explanation docs - Seller-05/07/2026 |
Resolved-After further review, less than a 12-month housing is allowed with a DTI below 43% and and LTV less than 80%. - Due Diligence Vendor-05/11/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9070336 | |
| XXXX | XXXX | 10268885 | D | A | D | A | C | A | A | A | Closed | FCRE1440 | 2026-05-06 15:17 | 2026-05-11 09:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, less than a 12-month housing is allowed with a DTI below 43% and and LTV less than 80%. - Due Diligence Vendor-05/11/2026 Ready for Review-Document Uploaded. 1. VOR 2. RENT memo and explanation docs - Seller-05/07/2026 Open-Housing History Does Not Meet Guideline Requirements Missing rental payments for a complete 12 months (as we have verified rent payments only from May 2025 to Jan 2026 - 8 months). - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. 1. VOR 2. RENT memo and explanation docs - Seller-05/07/2026 |
Resolved-After further review, less than a 12-month housing is allowed with a DTI below 43% and and LTV less than 80%. - Due Diligence Vendor-05/11/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9069716 | |
| XXXX | XXXX | 10268885 | D | A | D | A | C | A | A | A | Closed | FCRE1325 | 2026-05-06 14:59 | 2026-05-08 14:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. CPA license number is showing on the enclsoed - Seller-05/07/2026 Open-Borrower 1 CPA Letter Missing Need CPA license information as document in file does not reflect actual license number - Due Diligence Vendor-05/06/2026 |
Ready for Review-Document Uploaded. CPA license number is showing on the enclsoed - Seller-05/07/2026 |
Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-05/08/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9069408 | |
| XXXX | XXXX | 10268885 | D | A | D | A | C | A | A | A | Closed | finding-3526 | 2026-05-05 11:05 | 2026-05-08 09:37 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Received tracking disclosure. Finding Resolved. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. 1. disclosure tracking 2. COC second appraisal - Buyer-05/07/2026 Open-This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: ( 12 CFR §1026.19(e)(4)(ii) )The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. ----- LE dated 4/22/2026 is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years - Expiration Date: XXXX. COC for increase in file. Please provide proof of borrower acknowledgment for LE dated 4/22/2026 - Due Diligence Vendor-05/05/2026 |
Resolved-Received tracking disclosure. Finding Resolved. - Due Diligence Vendor-05/08/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9043974 | ||
| XXXX | XXXX | 10268885 | D | A | D | A | C | A | A | A | Closed | finding-3634 | 2026-05-05 11:37 | 2026-05-08 09:37 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received Tracking Disclosure. Finding Resolved. - Due Diligence Vendor-05/08/2026 Ready for Review-Document Uploaded. 1. disclosure tracking 2. COC second appraisal - Buyer-05/07/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $150.00.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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $150 (2nd Appraisal ) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $150.00 post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3Year(s); Expiration Date: XXXX. COC for increase in file. Please provide proof of borrower acknowledgment for LE dated 4/22/2026 - Due Diligence Vendor-05/05/2026 |
Resolved-Received Tracking Disclosure. Finding Resolved. - Due Diligence Vendor-05/08/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.81 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 767 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 9045464 | ||
| XXXX | XXXX | 10210118 | D | A | A | A | D | A | A | A | Closed | finding-47 | 2026-05-08 13:53 | 2026-05-14 14:23 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-05/14/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/14/2026 Counter-Received executed ROR. Please provide a PCCD with a funding date after ROR expiration date. Finding Remains - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/12/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide the executed Right of Recission. - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-05/14/2026 |
Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-05/14/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.29 LTV is less than guideline maximum - Required is 80 Borrower has 37.74 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 720 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9111003 | |
| XXXX | XXXX | 10210118 | D | A | A | A | D | A | A | A | Closed | FCOM1262 | 2026-05-08 13:30 | 2026-05-13 09:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received Right of Rescission. Finding Resolved. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/12/2026 Open-Right of Rescission is Missing Provide the executed Right of Recission. - Due Diligence Vendor-05/08/2026 |
Resolved-Received Right of Rescission. Finding Resolved. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.29 LTV is less than guideline maximum - Required is 80 Borrower has 37.74 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 720 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9110454 | ||
| XXXX | XXXX | 10162232 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-05-07 16:36 | 2026-05-13 15:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Tax bill and Mortgage statements for reos. - Due Diligence Vendor-05/13/2026 Ready for Review-Document Uploaded. 1. Mortgage Statement. IMPOUNDS. XXXX 2. Mortgage Statement. IMPOUNDS. XXXX 3. XXXX TAX BILL. XXXX Taxes. 4. XXXX TAX BILL. XXXX 5. XXXX TAX BILL. XXXX - Buyer-05/12/2026 Open-Housing History Does Not Meet Guideline Requirements 1 Missing evidence of property taxes for borrower's primary and additional investment properties. Although lender provided property insurance documents, tax bills/tax certs/property reports for taxes was not included, mortgage statements show no escrows. 2. Missing documentation which confirms borrower's monthly obligation for HELOCs that were drawn on for funds to close, including but not limited to a credit supplement, mortgage statement for current balance and property accounts are secured by. Other findings may apply as this directly impacts qualifying debt ratios. - Due Diligence Vendor-05/07/2026 |
Resolved-Received Tax bill and Mortgage statements for reos. - Due Diligence Vendor-05/13/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.57 Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $164,808.19 Min $1500 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9093467 | ||
| XXXX | XXXX | 10162232 | D | A | D | A | A | A | A | A | Closed | FCRE2244 | 2026-05-07 16:50 | 2026-05-13 15:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. 1007 not included in Appraisal. This loan was qualified using bank statements, only. No rental income used for any Investment Properties owned. - Seller-05/11/2026 Open-Property Issues are identified for the property Missing Form 1007 Comparable Rent Schedule for subject being an investment property and vacant/no lease at time of inspection. Other findings may apply. - Due Diligence Vendor-05/07/2026 |
Ready for Review-Document Uploaded. 1007 not included in Appraisal. This loan was qualified using bank statements, only. No rental income used for any Investment Properties owned. - Seller-05/11/2026 |
Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.57 Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $164,808.19 Min $1500 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9093876 | |
| XXXX | XXXX | 10162232 | D | A | D | A | A | A | A | A | Closed | FCRE7806 | 2026-05-07 16:11 | 2026-05-12 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received lender income calculation. - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. Income Calculation. - Buyer-05/11/2026 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing lender income calculation worksheet for a borrower qualfied using 12 months bank statements deriving from 3 different bank accounts. Other findings may apply. - Due Diligence Vendor-05/07/2026 |
Resolved-Received lender income calculation. - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.57 Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $164,808.19 Min $1500 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9092813 | ||
| XXXX | XXXX | 10162232 | D | A | D | A | A | A | A | A | Closed | FCRE0177 | 2026-05-07 11:32 | 2026-05-12 11:11 | Resolved | 1 - Information | D | A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-05/12/2026 Ready for Review-Document Uploaded. 1007 not included in Appraisal. This loan was qualified using bank statements, only. No rental income used for any Investment Properties owned. - Buyer-05/11/2026 Open-Missing Third Party Market Rent Source Missing Form 1007 Comparable Rent Schedule for subject being an investment property and vacant/no lease at time of inspection. Other findings may apply. - Due Diligence Vendor-05/07/2026 |
Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-05/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.57 Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income: $164,808.19 Min $1500 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9086387 | ||
| XXXX | XXXX | 10233146 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 10268886 | D | B | D | A | C | B | A | A | Closed | FCRE5772 | 2026-05-11 11:10 | 2026-05-29 14:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. XXXX - credit report 2 - Seller-05/21/2026 Counter-Received Credit scores for XXXX on page one of upload, but Credit report did not reflect a co-applicant on subsequent pages. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. XXXX - credit report - Buyer-05/18/2026 Counter-Received Credit Report for XXXX. Missing Credit report for XXXX. Subject to additional conditions. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. XXXX- CREDIT REPORT - Seller-05/13/2026 Open-Borrower 3 Credit Report is Missing. Provide credit report. Subject to additional conditions. - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. XXXX- credit report 2 - Seller-05/21/2026 Ready for Review-Document Uploaded. XXXX - CREDIT REPORT - Seller-05/13/2026 |
Resolved-Received Credit Report. - Due Diligence Vendor-05/26/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.17 LTV is less than guideline maximum - Required is 80 Borrower has 51.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9129344 | |
| XXXX | XXXX | 10268886 | D | B | D | A | C | B | A | A | Closed | FCRE1506 | 2026-05-11 11:28 | 2026-05-28 15:48 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-All conditions were resolved. - Due Diligence Vendor-05/27/2026 Ready for Review-Curative docs have been provided - Seller-05/27/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-05/11/2026 |
Ready for Review-Curative docs have been provided - Seller-05/27/2026 |
Resolved-All conditions were resolved. - Due Diligence Vendor-05/27/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.17 LTV is less than guideline maximum - Required is 80 Borrower has 51.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9130683 | ||
| XXXX | XXXX | 10268886 | D | B | D | A | C | B | A | A | Closed | FCRE7808 | 2026-05-11 10:51 | 2026-05-26 13:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Asset Calculation Method. - Due Diligence Vendor-05/26/2026 Ready for Review-Document Uploaded. B3 - XXXX - Income calculation - Buyer-05/21/2026 Counter-Received 1008. Missing B3 asset depletion calculation worksheet. Finding remains. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. B3 income 1008 - Seller-05/19/2026 Open-The Borrower 3 Bank Statement Summary/Lender Worksheet is Missing B3 asset depletion calculation worksheet not provided - Due Diligence Vendor-05/11/2026 |
Ready for Review-Document Uploaded. B3 income 1008 - Seller-05/19/2026 |
Resolved-Received Asset Calculation Method. - Due Diligence Vendor-05/26/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.17 LTV is less than guideline maximum - Required is 80 Borrower has 51.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9128888 | |
| XXXX | XXXX | 10268886 | D | B | D | A | C | B | A | A | Closed | finding-3540 | 2026-05-08 10:32 | 2026-05-18 14:49 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Timing requirements met. Finding Resolved. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. 1. LE and COC - updated recording fees 2. CLOSING DISCLOSURE - blend - electronic delivery 3. RECORDING FEES DID NOT CHANGE - Buyer-05/14/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX. Please provide COC. - Due Diligence Vendor-05/08/2026 |
Resolved-Timing requirements met. Finding Resolved. - Due Diligence Vendor-05/15/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.17 LTV is less than guideline maximum - Required is 80 Borrower has 51.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9105727 | ||
| XXXX | XXXX | 10268886 | D | B | D | A | C | B | A | A | Closed | finding-3625 | 2026-05-08 10:32 | 2026-05-18 14:49 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD XXXX correcting payee in section B. Finding Resolved. - Due Diligence Vendor-05/18/2026 Counter-Received LE and Final CD and COC. Final CD shows Tax Service Fee is paid to Lender. Please provide PCCD showing that fee is section A or correcting the Payee. Finding Remains. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. 1. LE and COC - updated recording fees 2. CLOSING DISCLOSURE - blend - electronic delivery 3. RECORDING FEES DID NOT CHANGE - Seller-05/14/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Tax Service in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. 1. LE and COC - updated recording fees 2. CLOSING DISCLOSURE - blend - electronic delivery 3. RECORDING FEES DID NOT CHANGE - Seller-05/14/2026 |
Resolved-Received PCCD XXXX correcting payee in section B. Finding Resolved. - Due Diligence Vendor-05/18/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.17 LTV is less than guideline maximum - Required is 80 Borrower has 51.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9105732 | |
| XXXX | XXXX | 10268886 | D | B | D | A | C | B | A | A | Closed | finding-3635 | 2026-05-08 10:32 | 2026-05-15 11:05 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-05/15/2026 Ready for Review-Document Uploaded. 1. LE and COC - updated recording fees 2. CLOSING DISCLOSURE - blend - electronic delivery 3. RECORDING FEES DID NOT CHANGE - Seller-05/14/2026 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($60.00) exceed the comparable charges ($45.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees Recording Fee increased by $15.00 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $10.50, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-05/08/2026 |
Ready for Review-Document Uploaded. 1. LE and COC - updated recording fees 2. CLOSING DISCLOSURE - blend - electronic delivery 3. RECORDING FEES DID NOT CHANGE - Seller-05/14/2026 |
Resolved-Received COC for increase in fees. Finding Resolved. - Due Diligence Vendor-05/15/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.17 LTV is less than guideline maximum - Required is 80 Borrower has 51.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9105731 | |
| XXXX | XXXX | 10268886 | D | B | D | A | C | B | A | A | Closed | FCOM1124 | 2026-05-08 09:13 | 2026-05-08 11:33 | Waived | 2 - Non-Material | B | B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Client waiver applied to non-material Findings. Deal is any other- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/08/2026 | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Client waiver applied to non-material Findings. Deal is any other- Originator waiver applied to non-material Findings. - Due Diligence Vendor-05/08/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.17 LTV is less than guideline maximum - Required is 80 Borrower has 51.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 738 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 9103875 | |||
| XXXX | XXXX | 10262986 | D | A | A | A | A | A | D | A | Closed | FVAL8862 | 2026-05-15 12:59 | 2026-05-29 16:41 | Resolved | 1 - Information | D | A | Property | Missing Doc | File does not contain all required valuation documents | Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. post purchase cda - Buyer-05/28/2026 Open-Desk Review in the file reflects appraisal value of XXXX. Missing desk review disclosing appraisal dated XXXX. - Due Diligence Vendor-05/15/2026 |
Resolved-Received Desk Review. Value supported. - Due Diligence Vendor-05/29/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.1 Required is 50 Borrower has 44.1 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 801 Required is 660 Borrower has 801 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9222905 | ||
| XXXX | XXXX | 10298531 | D | A | D | A | A | A | C | A | Closed | FCRE0116 | 2026-05-13 09:56 | 2026-06-02 13:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Condo checklist provided confirming non-warrantable. - Due Diligence Vendor-06/02/2026 Counter-Received duplicate checklist. Missing the UW attestation stating whether the condo is warrantable or non-warrantable. - Due Diligence Vendor-06/01/2026 Ready for Review-Document Uploaded. Updated Condo Review with Non-Warrantable attestation. - Buyer-05/28/2026 Counter-Condo Checklist provided, however we are missing the UW attestation stating whether the condo is warrantable or non-warrantable. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/21/2026 Open-Missing Warrantability Documentation. Lender must provide specific documentation to address if condo is warrantable or unwarrantable. - Due Diligence Vendor-05/13/2026 |
Resolved-Condo checklist provided confirming non-warrantable. - Due Diligence Vendor-06/02/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.1 Required is 50 Borrower has 43.1 LTV is less than guideline maximum - Required is 80 Borrower has 48.82 Required is 80 Borrower has 48.82 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9172836 | ||
| XXXX | XXXX | 10298531 | D | A | D | A | A | A | C | A | Closed | FPRO1256 | 2026-05-13 08:35 | 2026-06-02 13:15 | Resolved | 1 - Information | D | A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-Upon further review, subject condo is not a conversion. - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/21/2026 Counter-Received Condo Review. Review does not address the questions not answered. #2 is answered "no" and required additional questions to be answered. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/15/2026 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Condo Association to address the following: 1). Question 2 on Condo Questionnaire is answered NO - without additional information being provided. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-05/21/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/15/2026 |
Resolved-Upon further review, subject condo is not a conversion. - Due Diligence Vendor-06/02/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.1 Required is 50 Borrower has 43.1 LTV is less than guideline maximum - Required is 80 Borrower has 48.82 Required is 80 Borrower has 48.82 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9171018 | |
| XXXX | XXXX | 10298531 | D | A | D | A | A | A | C | A | Closed | FCRE1143 | 2026-05-13 08:32 | 2026-05-27 12:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received confirmation of turn over at 90% sold. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/21/2026 Counter-Received condo review. Review does not confirm when HOA will be turned over to homeowners. Finding remains. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/15/2026 Open-Builder is in control of HOA Condo Association must address in detail the following: 1). Is builder in control of association (yes per condo questionnaire). If yes - documentation is required to verify when homeowners will take control upon either a predetermined percentage of unit sales or within a defined time period. - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-05/21/2026 |
Resolved-Received confirmation of turn over at 90% sold. - Due Diligence Vendor-05/22/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.1 Required is 50 Borrower has 43.1 LTV is less than guideline maximum - Required is 80 Borrower has 48.82 Required is 80 Borrower has 48.82 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9170961 | |
| XXXX | XXXX | 10298531 | D | A | D | A | A | A | C | A | Closed | FCRE8013 | 2026-05-13 08:32 | 2026-05-27 12:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Purchase Contract Issue | Resolved-Received page one of contract confirming additional $5k for storage. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Page 1 of the provided contract shows this increase, treated as a deposit. - Buyer-05/26/2026 Counter-Snip provided is for $13,000.00 deposit. Please provide addendum to sales contract change the EMD $292450 to $287,450.00 - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/21/2026 Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Need addendum to sales contract fully executing indicated EMD paid is $292450 (as final CD reflects this amount but sales contract reflects EMD of $287450). - Due Diligence Vendor-05/13/2026 |
Resolved-Received page one of contract confirming additional $5k for storage. - Due Diligence Vendor-05/27/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.1 Required is 50 Borrower has 43.1 LTV is less than guideline maximum - Required is 80 Borrower has 48.82 Required is 80 Borrower has 48.82 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9170962 | ||
| XXXX | XXXX | 10298531 | D | A | D | A | A | A | C | A | Closed | FPRO1257 | 2026-05-13 08:32 | 2026-05-27 12:45 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/15/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Need secondary product value that support appraised value - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-05/15/2026 |
Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-05/19/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.1 Required is 50 Borrower has 43.1 LTV is less than guideline maximum - Required is 80 Borrower has 48.82 Required is 80 Borrower has 48.82 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9170963 | |
| XXXX | XXXX | 10298531 | D | A | D | A | A | A | C | A | Closed | FCRE7806 | 2026-05-13 08:55 | 2026-05-19 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received/Lender Worksheet - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/15/2026 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing lenders income calculation worksheet - Due Diligence Vendor-05/13/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-05/15/2026 |
Resolved-Received/Lender Worksheet - Due Diligence Vendor-05/19/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.1 Required is 50 Borrower has 43.1 LTV is less than guideline maximum - Required is 80 Borrower has 48.82 Required is 80 Borrower has 48.82 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 732 Required is 660 Borrower has 732 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9171322 | |
| XXXX | XXXX | 10262982 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 10291262 | D | A | D | A | A | A | A | A | Closed | FCRE7551 | 2026-05-15 14:58 | 2026-05-20 15:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Upon further review, the Divorce decree is not for the borrowers. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/19/2026 Open-Missing full Divorce Decree, only 1 page has been provided. (Underwriter to ensure no Alimony/Child support/or Property settlement) Additional findings may apply. - Due Diligence Vendor-05/15/2026 |
Resolved-Upon further review, the Divorce decree is not for the borrowers. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 759 LTV is less than guideline maximum - Required is 70 Borrower has 62.5 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9225566 | ||
| XXXX | XXXX | 10291262 | D | A | D | A | A | A | A | A | Closed | FCRE8700 | 2026-05-15 14:56 | 2026-05-20 15:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received UW certification SSN is used in lieu of the EIN which is allowed per the guidelines. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/19/2026 Open-Business Entity EIN value is invalid (Field value is ''). Missing EIN Number for Business Entity - Due Diligence Vendor-05/15/2026 |
Resolved-Received UW certification SSN is used in lieu of the EIN which is allowed per the guidelines. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 759 LTV is less than guideline maximum - Required is 70 Borrower has 62.5 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9225526 | ||
| XXXX | XXXX | 10291262 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-05-15 15:00 | 2026-05-20 15:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA, HOI and tax verification. - Due Diligence Vendor-05/20/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/19/2026 Open-Missing CD, verification of taxes, insurance, and/or HOA fees for Property purchasing for Primary residence, additional findings may apply. - Due Diligence Vendor-05/15/2026 |
Resolved-Received HOA, HOI and tax verification. - Due Diligence Vendor-05/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 759 LTV is less than guideline maximum - Required is 70 Borrower has 62.5 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9225602 | ||
| XXXX | XXXX | 10256776 | D | A | D | A | C | A | A | A | Closed | FCRE1506 | 2026-05-15 09:51 | 2026-10-06 12:48 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-10/06/2026 Resolved-QM status verified. - Due Diligence Vendor-05/29/2026 Counter-Pending receipt of the large deposit sourcing. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. The attachment addresses some of the remaining conditions and can you specify which retirement account doesn't show sufficient funds? - Seller-05/26/2026 Counter-Pending receipt of asset documentation. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Supporting Documents - Buyer-05/19/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Need to verify Co-borrower's employment - Wage and Self-employment Need lender income worksheets Need bot gift donor withdrawal information and one of the gift donor relationship Large deposits sourced. - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. The attachment addresses some of the remaining conditions and can you specify which retirement account doesn't show sufficient funds? - Seller-05/26/2026 |
Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-10/06/2026 Resolved-QM status verified. - Due Diligence Vendor-05/29/2026 |
Months Reserves exceed minimum required - Has 5.81 month of reserves after deducting 9 months required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9218456 | |
| XXXX | XXXX | 10256776 | D | A | D | A | C | A | A | A | Closed | FCRE1183 | 2026-05-15 10:06 | 2026-06-11 10:11 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received 1008 - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/19/2026 Open-Approval/Underwriting Summary Partially Provided Need updated final 1008 Transmittal showing all income used in calculation. - Due Diligence Vendor-05/15/2026 |
Resolved-Received 1008 - Due Diligence Vendor-05/21/2026 |
Months Reserves exceed minimum required - Has 5.81 month of reserves after deducting 9 months required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9218658 | ||
| XXXX | XXXX | 10256776 | D | A | D | A | C | A | A | A | Closed | FCRE1491 | 2026-05-15 09:40 | 2026-06-05 15:50 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Funds from Brws biz acct are considered in qualifying- CPA letter verifies 100% ownership in XXXX. Brw provided an LOE confirming the withdrawal of funds will not have an adverse effect on operations. Lender provided their version of a cash flow analysis and confirmed per their UW and based on cash flow analysis of total increasing deposits business supports the use of assets for DP, closing costs and reserves. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Per UW, Based on cash flow analysis of total increasing deposits business supports the use of assets for DP, closing costs and reserves - Seller-06/04/2026 Counter-Funds from XXXX not used for CTC/Reserves. Stmts provided are from 2025 to document EMD. Sourcing for lrg deposits not requested (Brw had sufficient funds in this acct to document the EM withdrawal without considering any lrg deposit). Funds from Brws biz acct are considered in qualifying- CPA letter verifies 100% ownership in XXXX. Brw provided an LOE confirming the withdrawal of funds will not have an adverse effect on operations. As this LOE was not prepared by a CPA or Tax Professional- lender will be required to provide a cash flow analysis of the business assets and liabilities (balance sheet) to determine if the withdrawal of funds from the business is acceptable. If no balance sheet is provided, XXXX will accept a lender cash flow analysis of 12 months business bank statements. - Due Diligence Vendor-05/29/2026 Counter-Gift letters and wire receipts were located in the loan file. Large deposit on 04/09 into XXXX in the amount of $100k needs source and seasoning. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. The attachment addresses some of the remaining conditions and can you specify which retirement account doesn't show sufficient funds? - Seller-05/26/2026 Open-Asset Qualification Does Not Meet Guideline Requirements 1). Gift given by XXXX must document they share a familial relationship with borrowers to meet XXXX guides as donor is not related. 2). Both donor's must provide documentation showing withdrawal of gift funds came out of bank accounts reflected on each individual gift letter and received by title company. 3). Borrowers need to source the transfer of the large deposit into XXXX is acceptable. Prior statement from the transferring account did not show sufficient funds to transfer the large deposit. - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. Per UW, Based on cash flow analysis of total increasing deposits business supports the use of assets for DP, closing costs and reserves - Seller-06/04/2026 Ready for Review-Document Uploaded. The attachment addresses some of the remaining conditions and can you specify which retirement account doesn't show sufficient funds? - Seller-05/26/2026 |
Resolved-Funds from Brws biz acct are considered in qualifying- CPA letter verifies 100% ownership in XXXX. Brw provided an LOE confirming the withdrawal of funds will not have an adverse effect on operations. Lender provided their version of a cash flow analysis and confirmed per their UW and based on cash flow analysis of total increasing deposits business supports the use of assets for DP, closing costs and reserves. - Due Diligence Vendor-06/05/2026 |
Months Reserves exceed minimum required - Has 5.81 month of reserves after deducting 9 months required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9218313 | |
| XXXX | XXXX | 10256776 | D | A | D | A | C | A | A | A | Closed | FCRE1358 | 2026-05-15 08:51 | 2026-05-27 13:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-After further review, the guides require the most recent w2 and the 2025 w2 was provided. - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. The attachment addresses some of the remaining conditions and can you specify which retirement account doesn't show sufficient funds? - Seller-05/26/2026 Open-Borrower 2 W2/1099 Missing Co-borrower to provide W2 for 2024 with W2 wage company listed on 1003. - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. The attachment addresses some of the remaining conditions and can you specify which retirement account doesn't show sufficient funds? - Seller-05/26/2026 |
Resolved-After further review, the guides require the most recent w2 and the 2025 w2 was provided. - Due Diligence Vendor-05/27/2026 |
Months Reserves exceed minimum required - Has 5.81 month of reserves after deducting 9 months required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9217406 | |
| XXXX | XXXX | 10256776 | D | A | D | A | C | A | A | A | Closed | FCRE7806 | 2026-05-15 08:51 | 2026-05-21 14:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Income Worksheet - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Supporting Documents - Buyer-05/19/2026 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing lenders income worksheet for Borrower's W2 Wage income. - Due Diligence Vendor-05/15/2026 |
Resolved-Received Income Worksheet - Due Diligence Vendor-05/21/2026 |
Months Reserves exceed minimum required - Has 5.81 month of reserves after deducting 9 months required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9217408 | ||
| XXXX | XXXX | 10256776 | D | A | D | A | C | A | A | A | Closed | FCRE7807 | 2026-05-15 08:51 | 2026-05-21 14:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Income worksheets. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Supporting Documents - Seller-05/19/2026 Open-The Borrower 2 Bank Statement Summary/Lender Worksheet is Missing Missing lenders income worksheet for Co-Borrower's W2 Wage income. - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. Supporting Documents - Seller-05/19/2026 |
Resolved-Received Income worksheets. - Due Diligence Vendor-05/21/2026 |
Months Reserves exceed minimum required - Has 5.81 month of reserves after deducting 9 months required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9217409 | |
| XXXX | XXXX | 10256776 | D | A | D | A | C | A | A | A | Closed | FCRE1355 | 2026-05-15 08:51 | 2026-05-21 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Received CPA letter. 100% owner, dates confirmed. - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. Supporting Documents - Seller-05/19/2026 Open-Borrower 2 CPA Letter Missing CPA to address on letterhead signed and dated with license information provided: 1). Need specific dates for self-employment to verify borrower has been self-employed in the same company (moving from Schedule C to Incorporating for a minimum of 2 years (which is required to utilize 12 month bank statement income). 2). CPA to address specific percent of ownership borrower has in self-employed company or provide fully executed operating agreement showing percent of ownership. - Due Diligence Vendor-05/15/2026 |
Ready for Review-Document Uploaded. Supporting Documents - Seller-05/19/2026 |
Resolved-Received CPA letter. 100% owner, dates confirmed. - Due Diligence Vendor-05/21/2026 |
Months Reserves exceed minimum required - Has 5.81 month of reserves after deducting 9 months required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9217405 | |
| XXXX | XXXX | 10256776 | D | A | D | A | C | A | A | A | Closed | FCRE1363 | 2026-05-15 08:51 | 2026-05-19 15:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 WVOE Missing | Resolved-Received email confirmation B2 still employed with XXXX. - Due Diligence Vendor-05/19/2026 Open-Borrower 2 WVOE Missing - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/18/2026 Open-Borrower 2 WVOE Missing Need Verbal VOE for co-borrower's Wage income within 10 day of closing. - Due Diligence Vendor-05/15/2026 |
Resolved-Received email confirmation B2 still employed with XXXX. - Due Diligence Vendor-05/19/2026 |
Months Reserves exceed minimum required - Has 5.81 month of reserves after deducting 9 months required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9217407 | ||
| XXXX | XXXX | 10256776 | D | A | D | A | C | A | A | A | Closed | finding-3532 | 2026-05-14 06:56 | 2026-05-19 08:05 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received copy of borrower's receipt of Initial CD. Finding Resolved. - Due Diligence Vendor-05/19/2026 Ready for Review-Document Uploaded. Evidence of Borrower receipt of CD - Buyer-05/18/2026 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD 5/4/2026 is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-05/14/2026 |
Resolved-Received copy of borrower's receipt of Initial CD. Finding Resolved. - Due Diligence Vendor-05/19/2026 |
Months Reserves exceed minimum required - Has 5.81 month of reserves after deducting 9 months required. Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.98 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 788 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9195027 | ||
| XXXX | XXXX | 10291233 | D | A | D | A | C | A | A | A | Closed | FCRE1506 | 2026-05-18 16:04 | 2026-06-04 09:58 | Resolved | 1 - Information | C | A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received Gap Report - Verification of REOs - LOE for Credit Inquiries - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. 1. XXXX REOs including XXXX info 2. XXXXwas paid off with our refinance of XXXX and funds for this purchase came from that refi. That’s why XXXX was excluded from the 1003. 3. 3C is XXXX – see attached CD and its escrowed 4. 3E XXXX has a HELOC only. taxes & ins attached. - Seller-05/20/2026 Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing payment information for two properties on 1003 and Need clarification mortgage with XXXX belongs to what property - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document Uploaded. 1. XXXX REOs including XXXX info 2. XXXX was paid off with our refinance of XXXX and funds for this purchase came from that refi. That’s why XXXX was excluded from the 1003. 3. 3C is XXXX – see attached CD and its escrowed 4. 3E XXXX has a HELOC only. taxes & ins attached. - Seller-05/20/2026 |
Resolved-Received Gap Report - Verification of REOs - LOE for Credit Inquiries - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 12.47 Required is 43 Borrower has 12.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773 Required is 680 Borrower has 773 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9260880 | |
| XXXX | XXXX | 10291233 | D | A | D | A | C | A | A | A | Closed | FCRE1325 | 2026-05-18 15:08 | 2026-05-21 16:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA Verify - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. cpa verify - Seller-05/20/2026 Open-Borrower 1 CPA Letter Missing Lender to provide verification of CPA's license number - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document Uploaded. cpa verify - Seller-05/20/2026 |
Resolved-Received CPA Verify - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 12.47 Required is 43 Borrower has 12.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773 Required is 680 Borrower has 773 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9258493 | |
| XXXX | XXXX | 10291233 | D | A | D | A | C | A | A | A | Closed | FCRE7497 | 2026-05-18 16:24 | 2026-05-21 16:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Verification of REOs - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. 1. 3E XXXX has a HELOC only. taxes & ins attached. 2. 3C is XXXX– see attached CD and its escrowed - Seller-05/20/2026 Open-1003 Property 3C - Need mortgage statement to verify final PITI since settlement in file does not reflect P&I amount and UW used what was reflected on 1003. 1003 Property 3E - Need tax and HOI information to add into DTI as 1003 shows only P&I payment which matches final CD in file. - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document Uploaded. 1. 3E XXXX has a HELOC only. taxes & ins attached. 2. 3C is XXXX– see attached CD and its escrowed - Seller-05/20/2026 |
Resolved-Received Verification of REOs - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 12.47 Required is 43 Borrower has 12.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773 Required is 680 Borrower has 773 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9261630 | |
| XXXX | XXXX | 10291233 | D | A | D | A | C | A | A | A | Closed | FCRE0044 | 2026-05-18 15:57 | 2026-05-21 16:18 | Resolved | 1 - Information | C | A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received Gap Report - LOE for Credit Inquiries - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. 1. INQUIRY LOE 2. Inquiries addressed - Buyer-05/20/2026 Open-LOX for credit inquiries is missing. Missing credit inquiry letter for original credit report. (We have one inquiry addressed but it's not from original credit report). - Due Diligence Vendor-05/18/2026 |
Resolved-Received Gap Report - LOE for Credit Inquiries - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 12.47 Required is 43 Borrower has 12.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773 Required is 680 Borrower has 773 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9260452 | ||
| XXXX | XXXX | 10291233 | D | A | D | A | C | A | A | A | Closed | FCRE1440 | 2026-05-18 15:23 | 2026-05-21 16:14 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Gap Report - Verification of REOs - LOE for Credit Inquiries - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. 1. XXXX REOs including XXXX info 2. XXXX was paid off with our refinance of XXXX and funds for this purchase came from that refi. That’s why XXXX was excluded from the 1003. 3. 3C is XXXX– see attached CD and its escrowed - Seller-05/20/2026 Open-Housing History Does Not Meet Guideline Requirements Credit Supplement provided for mortgage with XXXX but this mortgage is not showing in REO Schedule on final 1003. 1). We need to know what property is mortgage is for. 2). We need most recent statement to verify if payment includes full PITIA. - Due Diligence Vendor-05/18/2026 |
Ready for Review-Document Uploaded. 1. XXXX REOs including XXXX info 2. XXXX was paid off with our refinance of XXXX and funds for this purchase came from that refi. That’s why XXXX was excluded from the 1003. 3. 3C is XXXX – see attached CD and its escrowed - Seller-05/20/2026 |
Resolved-Received Gap Report - Verification of REOs - LOE for Credit Inquiries - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 12.47 Required is 43 Borrower has 12.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773 Required is 680 Borrower has 773 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9259179 | |
| XXXX | XXXX | 10291233 | D | A | D | A | C | A | A | A | Closed | FCRE5790 | 2026-05-18 15:23 | 2026-05-21 16:14 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report - Due Diligence Vendor-05/21/2026 Ready for Review-Document Uploaded. updated GAP report - Buyer-05/20/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). We need updated Gap Credit report within 10 days of closing date. - Due Diligence Vendor-05/18/2026 |
Resolved-Received Gap Report - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 12.47 Required is 43 Borrower has 12.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773 Required is 680 Borrower has 773 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9259180 | ||
| XXXX | XXXX | 10291233 | D | A | D | A | C | A | A | A | Closed | FCRE1465 | 2026-05-20 10:49 | 2026-05-21 11:30 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 11 Less Than 2 Months Verified | Resolved-Only one month required. - Due Diligence Vendor-05/21/2026 Open-Asset 11 Less Than 2 Months Verified - Due Diligence Vendor-05/20/2026 |
Resolved-Only one month required. - Due Diligence Vendor-05/21/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 12.47 Required is 43 Borrower has 12.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773 Required is 680 Borrower has 773 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9299646 | |||
| XXXX | XXXX | 10291233 | D | A | D | A | C | A | A | A | Closed | finding-3634 | 2026-05-18 10:29 | 2026-05-20 13:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/20/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $6,552.00.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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $6,552.00 Insurance Premium-WI without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $6,552.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX(2) within 60 days of discovery expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-05/18/2026 |
Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-05/20/2026 |
Qualifying DTI below maximum allowed - Required is 43 Borrower has 12.47 Required is 43 Borrower has 12.47 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773 Required is 680 Borrower has 773 |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9249578 | |||
| XXXX | XXXX | 10313449 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-05-19 09:15 | 2026-05-29 13:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD for Primary. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. final cd for other property - Buyer-05/27/2026 Open-Purchase of new primary residence Final CD not provided. - Due Diligence Vendor-05/19/2026 |
Resolved-Received CD for Primary. - Due Diligence Vendor-05/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.48 LTV is less than guideline maximum - Required is 80 Borrower has 60 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9272638 | ||
| XXXX | XXXX | 10313449 | D | A | D | A | A | A | A | A | Closed | FCRE0116 | 2026-05-19 09:08 | 2026-05-29 13:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Warrantability Documentation | Resolved-Documentation of warrantability located or is not applicable. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. The UW certificate states the project is warranted, please see page one highlighted. attached letter for assessment for questionnaire No.10 - Buyer-05/27/2026 Counter-Received Lender determination of XXXX review= streamlined as well as lender condo limited review questionnaire, however missing attachment #10 special assessments and UW Attestation clearly stating whether the property is a warrantable or non-warrantable. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. condo warranty and questionnaire - Buyer-05/21/2026 Open-Missing Warrantability Documentation. - Due Diligence Vendor-05/19/2026 |
Resolved-Documentation of warrantability located or is not applicable. - Due Diligence Vendor-05/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 763 Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.48 LTV is less than guideline maximum - Required is 80 Borrower has 60 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9272537 | ||
| XXXX | XXXX | 10263005 | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-05-20 08:58 | 2026-05-27 15:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit supplement confirming 2nd lien paid and history acceptable. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. 1. Proof prior 2nd was paid off. 2. Documentation of new 2nd lien. - Buyer-05/21/2026 Open-Housing History Does Not Meet Guideline Requirements 1). Need most recent 12 month mortgage history for co-borrower's primary residence 2nd lien and payment/balance information to add into DTI. - Due Diligence Vendor-05/20/2026 |
Resolved-Received credit supplement confirming 2nd lien paid and history acceptable. - Due Diligence Vendor-05/22/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.53 LTV is less than guideline maximum - Required is 80 Borrower has 53.94 Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 725 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9296748 | ||
| XXXX | XXXX | 10298567 | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2026-05-20 11:05 | 2026-05-29 16:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received October statement and recalculated income. - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/26/2026 Open-Borrower 1 Business Bank Statements Missing Missing October 2025 Business Bank statement. (Income to be recalculated once received). Additional conditions could apply. - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-05/26/2026 |
Resolved-Received October statement and recalculated income. - Due Diligence Vendor-05/28/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.08 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 724 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9300192 | |
| XXXX | XXXX | 10298567 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2026-05-20 11:05 | 2026-05-29 16:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review, Accountant verification is not required. - Due Diligence Vendor-05/29/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-05/28/2026 Counter-Received Lender snip of guideline. Letter provided is signed as an Accountant. Review of guideline indicate PTIN’s are not acceptable. Missing verification of license to meet guidelines. - Due Diligence Vendor-05/28/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/27/2026 Open-Borrower 1 CPA Letter Missing Missing CPA license verification. (Only internet search of CPA was provided). - Due Diligence Vendor-05/20/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-05/28/2026 |
Resolved-Upon further review, Accountant verification is not required. - Due Diligence Vendor-05/29/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.08 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 724 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9300193 | |
| XXXX | XXXX | 10298567 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-05-20 11:32 | 2026-05-27 17:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN - Due Diligence Vendor-05/27/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-05/26/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/20/2026 |
Resolved-Received UDN - Due Diligence Vendor-05/27/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.08 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 724 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9302850 | ||
| XXXX | XXXX | 10262994 | B | B | B | B | A | A | A | A | Closed | FCRE0210 | 2026-09-25 14:25 | 2026-09-25 14:27 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | XXXX | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-09/25/2026 Open-Prepayment Penalty is not allowed. COMMENT: Per XXXX. - Due Diligence Vendor-09/25/2026 |
Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-09/25/2026 |
Long term residence - Borrower has owned subject property since XXXX (11 years) Months Reserves exceed minimum required - Reserves are 5.08 months after deducting 3 months required. |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 11608592 | |||
| XXXX | XXXX | 10313475 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2026-05-27 13:13 | 2026-06-05 11:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA letter received is dated Nov 2025 and utilized a different Surname for CPA. CPA disregarded and utilized Bylaws, Cert of filing and minutes to confirm ownership. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Supporting Documents - Buyer-06/03/2026 Counter-Search details provided are for XXXX while CPA letter in file is signed by XXXX. Condition remains outstanding as unable to match PTIN# from letter to search printout provided. - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-06/01/2026 Open-Borrower 1 CPA Letter Missing Provide internet verification of CPA license number - Due Diligence Vendor-05/27/2026 |
Resolved-CPA letter received is dated Nov 2025 and utilized a different Surname for CPA. CPA disregarded and utilized Bylaws, Cert of filing and minutes to confirm ownership. - Due Diligence Vendor-06/05/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.8 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9402673 | ||
| XXXX | XXXX | 10313475 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-05-27 13:30 | 2026-06-02 14:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-1). 1003 Property 3E: Mtg stmt confirms no escrows so HOI dec pages and verification of taxes provided. 2). 1003 Property 3C: XXXX secured to this property is not in the name of the Brw (mtg is in the name of XXXX per mtg stmt). As Brw is not personally obligated using just the T&I as the qualifying housing payment. VOM not required- Mtg not in Brws name. - Due Diligence Vendor-06/02/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-06/01/2026 Open-Housing History Does Not Meet Guideline Requirements 1). 1003 Property 3E: Need to verify payment listed on the credit report includes full PITI. If it is only P&I, we need taxes and HOI to add into DTI. 2). 1003 Property 3C: Provide most recent 12 month mortgage history to verify account is paid as agreed (as mortgage loan is not showing on the credit report). Only mortgage statement was provided. - Due Diligence Vendor-05/27/2026 |
Resolved-1). 1003 Property 3E: Mtg stmt confirms no escrows so HOI dec pages and verification of taxes provided. 2). 1003 Property 3C: XXXX secured to this property is not in the name of the Brw (mtg is in the name of XXXX per mtg stmt). As Brw is not personally obligated using just the T&I as the qualifying housing payment. VOM not required- Mtg not in Brws name. - Due Diligence Vendor-06/02/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.8 LTV is less than guideline maximum - Required is 80 Borrower has 75 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9403041 | ||
| XXXX | XXXX | 10268902 | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2026-05-29 11:04 | 2026-06-17 10:28 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-06/15/2026 Counter-Non-Delegated Eligibility Certificate provided, however the finding is for the Gap Report being expired. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-06/10/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/29/2026 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 796 LTV is less than guideline maximum - Required is 80 Borrower has 70 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9451249 | ||
| XXXX | XXXX | 10291243 | D | A | D | A | A | A | A | A | Closed | FCRE0177 | 2026-06-01 11:12 | 2026-06-04 16:18 | Resolved | 1 - Information | D | A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received confirmation no rental income considered. - Due Diligence Vendor-06/04/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-06/03/2026 Open-Missing Third Party Market Rent Source Missing Appraisal Form 1007 Comparative Income Analysis/Market Rent Schedule which reflects current market rent for subject investment purchase. - Due Diligence Vendor-06/01/2026 |
Resolved-Received confirmation no rental income considered. - Due Diligence Vendor-06/04/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 Qualifying DTI below maximum allowed - Required is 50 Borrower has 28.2 Months Reserves exceed minimum required - Reserves: 27 Min 12 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9479895 | ||
| XXXX | XXXX | 10313486 | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2026-05-29 10:23 | 2026-06-17 10:39 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-06/16/2026 Counter-Lender fee went from $1,100 on initial LE to $1,440 on initial CD without a COC. Finding Remains. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-06/04/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $340.00.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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $340 (Lender Fees) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $340, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C - Due Diligence Vendor-05/29/2026 |
Cured-Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-06/17/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 730 LTV is less than guideline maximum - Required is 90 Borrower has 80 Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.57 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 9450388 | ||
| XXXX | XXXX | 10268907 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 10313461 | D | A | D | A | C | A | A | A | Closed | FCRE5782 | 2026-06-02 15:29 | 2026-06-05 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-06/04/2026 Open-Borrower 1 Gap Credit Report is Missing Missing required gap report / credit refresh obtained within 10 days prior to closing - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. Supporting Document - Seller-06/04/2026 |
Resolved-Received UDM - Due Diligence Vendor-06/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.56 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9513699 | |
| XXXX | XXXX | 10313461 | D | A | D | A | C | A | A | A | Closed | finding-47 | 2026-06-02 10:00 | 2026-06-05 09:43 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received Waiver of 3-Day Rescission Waiting Period and copy of previous note with maturity date of XXXX. Finding Resolved. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Waiver and closing package - Buyer-06/04/2026 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date XXXX - Due Diligence Vendor-06/02/2026 |
Resolved-Received Waiver of 3-Day Rescission Waiting Period and copy of previous note with maturity date of XXXX. Finding Resolved. - Due Diligence Vendor-06/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.56 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9502407 | ||
| XXXX | XXXX | 10313461 | D | A | D | A | C | A | A | A | Closed | finding-3634 | 2026-06-02 10:00 | 2026-06-05 09:21 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received explanation that increase in fees was due to loan amount change COC, fees not listed on COC. Finding Resolved. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Waiver and closing package - Buyer-06/04/2026 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $310.00.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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $20.00 Transfer Taxes without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $20.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Remediation options (1) within 60 days of consummation expires XXXX remains EV2B under TILA 130(b) (3) After 60 days of discovery, no cure, Statute of Limitations - 3 Years; Expiration Date: XXXX remains EV3C. The Lender Issued a $290.00 Credit for closing cost above legal limit for Appraisal Fee Increase - Due Diligence Vendor-06/02/2026 |
Resolved-Received explanation that increase in fees was due to loan amount change COC, fees not listed on COC. Finding Resolved. - Due Diligence Vendor-06/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.56 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9502408 | ||
| XXXX | XXXX | 10313461 | D | A | D | A | C | A | A | A | Closed | finding-3625 | 2026-06-02 10:18 | 2026-06-05 09:21 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Received PCCD XXXX correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Waiver and closing package - Seller-06/04/2026 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----(Tax Service) in section B is payable to Lender/Broker however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 1 year, expiration date XXXX. - Due Diligence Vendor-06/02/2026 |
Ready for Review-Document Uploaded. Waiver and closing package - Seller-06/04/2026 |
Resolved-Received PCCD XXXX correcting payee in Section B. Finding Resolved. - Due Diligence Vendor-06/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.56 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9502894 | |
| XXXX | XXXX | 10313461 | D | A | D | A | C | A | A | A | Closed | FCOM5135 | 2026-06-02 09:37 | 2026-06-05 09:08 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-06/05/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-06/04/2026 Open-Required Affiliated Business Disclosure Missing Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. Statute of Limitations 3 years - Expiration Date is XXXX - Due Diligence Vendor-06/02/2026 |
Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-06/05/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.56 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9501869 | ||
| XXXX | XXXX | 10333149 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 10357795 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2026-06-03 22:16 | 2026-06-09 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-06/09/2026 Ready for Review-Document Uploaded. - Seller-06/05/2026 Open-The Business Purpose Affidavit Disclosure is Missing - Due Diligence Vendor-06/04/2026 |
Ready for Review-Document Uploaded. - Seller-06/05/2026 |
Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-06/09/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.035 Required is 0.75 Borrower has 1.035 Months Reserves exceed minimum required - 0 reserves required, Borrower has 9.81 months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9547019 | |
| XXXX | XXXX | 10327158 | D | B | D | B | A | A | A | A | Closed | FCRE0970 | 2026-06-08 07:49 | 2026-06-10 14:29 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Appraisal has issues (credit) | Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/08/2026 Open-Appraisal zoned LFA (Limited Forest Agriculture). Located in XXXX a highly suburban area. Subject property built in XXXX. Exception request in file - XXXX - Due Diligence Vendor-06/08/2026 |
Waived-Client exception granted, waiver applied with comp factors. - Due Diligence Vendor-06/08/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 39.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 753 |
Credit Score 753, DSCR score 1.22%. Reserves 90 months, Credit History 0x30x22 primary, LTV 40% | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 9602176 | ||
| XXXX | XXXX | 10327158 | D | B | D | B | A | A | A | A | Closed | FCRE6910 | 2026-06-08 07:22 | 2026-06-10 12:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Received EAD card, XXXX Borrower 1 Non-US Citizen Identification Document is present - Due Diligence Vendor-06/10/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-06/08/2026 Open-Borrower 1 Non-US Citizen Identification Document is Missing Missing Copy of front and back of borrower non-permanent resident alien card and/or EAD card which must verify acceptable eligibility and must reflect it is not expired. Verify EAD card is not sponsored by borrowers employer or VISA documentation would be required to meet requirements. - Due Diligence Vendor-06/08/2026 |
Resolved-Received EAD card, XXXX Borrower 1 Non-US Citizen Identification Document is present - Due Diligence Vendor-06/10/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 39.23 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 753 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9601807 | ||
| XXXX | XXXX | 10313484 | C | A | C | A | A | A | A | A | Closed | FCRE1510 | 2026-06-08 08:52 | 2026-06-12 11:46 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description and all applicable riders. - Due Diligence Vendor-06/12/2026 Ready for Review-Document Uploaded. Deed of Trust with Legal Description - Buyer-06/10/2026 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-06/08/2026 |
Resolved-Received Deed of Trust with Legal Description and all applicable riders. - Due Diligence Vendor-06/12/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.63 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 Months Reserves exceed minimum required - Reserves:15 Min 9 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 9603123 | ||
| XXXX | XXXX | 10333097 | D | A | D | A | A | A | A | A | Closed | FCRE1148 | 2026-06-10 21:34 | 2026-06-17 11:29 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-06/16/2026 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). title coverage is XXXX. title coverage is not sufficient - Due Diligence Vendor-06/11/2026 |
Resolved-Received updated Title Coverage Amount of XXXX is sufficient based on the type of subject lien - Due Diligence Vendor-06/17/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.043 Required is 0.8 Borrower has 1.043 Qualifying DTI below maximum allowed - Required is 75 Borrower has 75% Required is 75 Borrower has |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9675856 | ||
| XXXX | XXXX | 10333097 | D | A | D | A | A | A | A | A | Closed | FCRE0700 | 2026-06-10 10:30 | 2026-06-16 09:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final closing disclosure. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-06/12/2026 Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing page one of Final CD. Please provide. - Due Diligence Vendor-06/10/2026 |
Resolved-Received final closing disclosure. - Due Diligence Vendor-06/16/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.043 Required is 0.8 Borrower has 1.043 Qualifying DTI below maximum allowed - Required is 75 Borrower has 75% Required is 75 Borrower has |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9654783 | ||
| XXXX | XXXX | 10326063 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 10313473 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2026-06-11 13:15 | 2026-07-27 13:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received confirmation XXXX is commercial parking lot and added tax liability. - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. - Seller-07/24/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-07/23/2026 Counter-Received VOM and documentation on XXXX. Received HOI policy confirming XXXX is free and clear. Missing documentation supporting omission of XXXX, missing VOM, not listed on either borrower's final 1003. Need most recent 12 month payment history for mortgage (if applicable), Need mortgage statement or supplement to verify full PITI which must be included in DTI. Additional conditions could apply - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. 1.XXXX VOM 2.XXXX NO HOA 3.XXXX 4.XXXX Taxes - Buyer-07/13/2026 Ready for Review-Document Uploaded. We have the insurance policy showing no mortgage and LOX for XXXX and XXXX property is commercial/Industrial property.. - Seller-07/13/2026 Counter-Received XXXX reflecting PITI payment satisfying #2. Still missing documentation to support XXXX is owned mortgage free F/C and lastly: XXXX is missing VOM, not listed on either borrower's final 1003. Need most recent 12 month payment history for mortgage (if applicable), Need mortgage statement or supplement to verify full PITI which must be included in DTI. Additional conditions could apply - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. 1. XXXX Credit supplement 2. XXXX No HOA 3. MTG Statement XXXX escrowed - Seller-06/23/2026 Ready for Review-Document Uploaded. Supporting Documents - Seller-06/22/2026 Counter-Received mortgage statement for XXXX. Please address original finding. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-06/16/2026 Open-Housing History Does Not Meet Guideline Requirements 1). Co-borrower 1003 - REO Property 3H - Need proof property is owned F&C (No info on HOI policy to determine) 2). Co-borrower 1003 - REO Property 3E - Need mortgage statement to verify payment includes full PITI (as it's not specific on credit supplement. 3). Calhoun property is not listed on either borrower's final 1003. Need most recent 12 month payment history for mortgage (if applicable), Need mortgage statement or supplement to verify full PITI which must be included in DTI. Additional conditions could apply. - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. - Seller-07/24/2026 Ready for Review-Document Uploaded. Supporting Document - Seller-07/23/2026 Ready for Review-Document Uploaded. We have the insurance policy showing no mortgage and LOX for XXXX property is commercial/Industrial property.. - Seller-07/13/2026 Ready for Review-Document Uploaded. 1. XXXX Credit supplement 2. XXXX No HOA 3. MTG Statement XXXXescrowed - Seller-06/23/2026 Ready for Review-Document Uploaded. Supporting Documents - Seller-06/22/2026 |
Resolved-Received confirmation XXXX is commercial parking lot and added tax liability. - Due Diligence Vendor-07/27/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.62 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9696533 | |
| XXXX | XXXX | 10313473 | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2026-06-11 13:19 | 2026-06-18 11:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received re taxes - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Supporting Documents - Seller-06/16/2026 Open-Borrower 1003 - REO properties 3G & 3H - Provide tax bill for each property to verify taxes amounts to add into DTI. (HOI provided only - not taxes bills in file). - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. Supporting Documents - Seller-06/16/2026 |
Resolved-Received re taxes - Due Diligence Vendor-06/18/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.62 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9696617 | |
| XXXX | XXXX | 10313473 | D | A | D | A | A | A | A | A | Closed | FCRE7806 | 2026-06-11 12:52 | 2026-06-18 10:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received business bank statement analysis - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. bank statement summary please review all pages - Seller-06/16/2026 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Need updated 12 month bank statement income worksheet as main page showing all deposits, exclusion and total income verification was not provided. Spreadsheet was too big to be on several pages. - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. bank statement summary please review all pages - Seller-06/16/2026 |
Resolved-Received business bank statement analysis - Due Diligence Vendor-06/18/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.62 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9695887 | |
| XXXX | XXXX | 10313473 | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2026-06-11 12:52 | 2026-06-18 10:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA license validation. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. CPA license and CPA ownership verification - Seller-06/16/2026 Counter-Received duplicate CPA letter and Cert of Fact. Missing Verification of CPA or proof of borrower 100% Ownership. - Due Diligence Vendor-06/15/2026 Ready for Review-Document Uploaded. CPA Letter - Seller-06/12/2026 Open-Borrower 1 CPA Letter Missing Need verification of CPA license number as it is not listed on CPA letter - Due Diligence Vendor-06/11/2026 |
Ready for Review-Document Uploaded. CPA license and CPA ownership verification - Seller-06/16/2026 Ready for Review-Document Uploaded. CPA Letter - Seller-06/12/2026 |
Resolved-Received CPA license validation. - Due Diligence Vendor-06/18/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 9.62 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 764 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9695886 | |
| XXXX | XXXX | 10327131 | B | B | B | B | A | A | A | A | Closed | FCRE0210 | 2026-06-23 13:58 | 2026-06-23 13:59 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | XXXX | Waived-Waiver applied to non-material finding. Loan closed in an Entity Name - Due Diligence Vendor-06/23/2026 Open-Per XXXX. - Due Diligence Vendor-06/23/2026 |
Waived-Waiver applied to non-material finding. Loan closed in an Entity Name - Due Diligence Vendor-06/23/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 50 Required is 75 Borrower has 50 DSCR =/> 1.00 and minimum is 0.85 or Less - .Required is 0 Borrower has 1.414 Required is 0 Borrower has 1.414 DSCR % greater than 1.20 - Required is 0 Borrower has 1.414 Required is 0 Borrower has 1.414 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 9895778 | |||
| XXXX | XXXX | 10357871 | C | B | C | B | A | A | A | A | Closed | FCRE9996 | 2026-06-18 17:57 | 2026-06-18 17:58 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-06/18/2026 Open-84% investor concentration with pending ongoing balcony repairs that do not jeopardize occupancy of the unit. - Due Diligence Vendor-06/18/2026 |
Waived-Originator waiver applied to non-material finding with compensating factors. - Due Diligence Vendor-06/18/2026 |
LTV is less than guideline maximum - Required is 75 Borrower has 70 Required is 75 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 750 Required is 680 Borrower has 750 |
70% LTV, max 75% 750 fico, 680 min |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Originator Post-Close | Yes | 9833019 | ||
| XXXX | XXXX | 10327130 | D | B | D | B | A | A | A | A | Closed | FCRE0210 | 2026-09-25 14:29 | 2026-09-25 14:29 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | XXXX | Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-09/25/2026 Open-Prepayment Penalty is not allowed. Per XXXX - Due Diligence Vendor-09/25/2026 |
Waived-Waiver applied to non-material finding. Loan closed in entity name. - Due Diligence Vendor-09/25/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.402 Required is 0.8 Borrower has 1.34 LTV is less than guideline maximum - Required is 75 Borrower has 50 Required is 75 Borrower has 50 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 11608709 | |||
| XXXX | XXXX | 10327130 | D | B | D | B | A | A | A | A | Closed | FCRE1157 | 2026-06-16 23:45 | 2026-06-19 12:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Upon further review, HOI policy was provided within audit file. - Due Diligence Vendor-06/19/2026 Ready for Review-The HOI policy was in the file at the time of delivery, pg 440-441 of XXXX LOAN PACKAGE. Please confirm you have this and that policy is unacceptable. If so, please advise what is needed to clear the condition. - Buyer-06/17/2026 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/17/2026 |
Resolved-Upon further review, HOI policy was provided within audit file. - Due Diligence Vendor-06/19/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.8 Borrower has 1.402 Required is 0.8 Borrower has 1.34 LTV is less than guideline maximum - Required is 75 Borrower has 50 Required is 75 Borrower has 50 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9782326 | |||
| XXXX | XXXX | 10357862 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 10333125 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2026-06-17 15:30 | 2026-06-25 11:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved- Evidence of Property Tax Property used by lender was provided. - Due Diligence Vendor-06/25/2026 Ready for Review-Document Uploaded. Subject currently has a homeowner’s exemption but will be an investment property. UW used value of XXXX. Comment have been added to the Tax Cert as well. - Buyer-06/24/2026 Open-Missing Evidence of Property Tax Property Tax used by lender is higher than verified amount - Due Diligence Vendor-06/17/2026 |
Resolved- Evidence of Property Tax Property used by lender was provided. - Due Diligence Vendor-06/25/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 782 LTV is less than guideline maximum - Required is 75 Borrower has 44.94 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 9797965 | ||
| XXXX | XXXX | 10326090 | C | B | C | B | A | A | A | A | Closed | FCRE2244 | 2026-06-18 23:02 | 2026-06-18 23:06 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator waiver applied to non-material finding with comp factors - Due Diligence Vendor-06/19/2026 Open-Property Issues are identified for the property Each of the 3 units property has less than required 500 sq ft requirement, Exception provided by Lender. - Due Diligence Vendor-06/19/2026 |
Waived-Originator waiver applied to non-material finding with comp factors - Due Diligence Vendor-06/19/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 31.25 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 795 |
795 fico 31.25% LTV, 453 months reserves. | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Originator Post-Close | Yes | 9836843 | ||
| XXXX | XXXX | 10357846 | C | B | C | B | A | A | A | A | Closed | FCRE1248 | 2026-06-29 08:49 | 2026-07-01 13:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Originator provided a waiver for Non-Arm's Length transaction, applied to non material finding with comp factors - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. Submitted Post-Closing Exception with commentary stating approved with comp factors - Seller-06/29/2026 Open-Non-Arm's Length Transactions Not Allowed for Program Per guidelines, Non-Arm’s Length transactions are not permitted - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. Submitted Post-Closing Exception with commentary stating approved with comp factors - Seller-06/29/2026 |
Waived-Originator provided a waiver for Non-Arm's Length transaction, applied to non material finding with comp factors - Due Diligence Vendor-07/01/2026 |
LTV is less than guideline maximum - Required is 70 Borrower has 65 DSCR % greater than 1.20 - DSCR=1.319% |
DSCR 1.319 Mortgages paid current over 60 Months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Originator Post-Close | Yes | 9977646 |
| XXXX | XXXX | 10326080 | C | A | C | A | A | A | A | A | Closed | FCRE1491 | 2026-06-29 18:15 | 2026-07-06 13:38 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Operating Agreement for proof of ownership of XXXX in order to use Asset provided - Due Diligence Vendor-07/06/2026 Ready for Review-Document Uploaded. Submitted Operating Agmt to support sole ownership - Seller-07/02/2026 Counter-Received SOS for XXXX which is the name on the XXXX account. It clearly shows our borrower as CEO of this company. In order to use 100% of Asset documentation required for ownership % - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. Submitted evidence that XXXX business asset under XXXX is owned by borrower. - Seller-06/30/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Provide evidence that borrowers own the business listed on XXXX account, additional findings may apply. - Due Diligence Vendor-06/29/2026 |
Ready for Review-Document Uploaded. Submitted Operating Agmt to support sole ownership - Seller-07/02/2026 Ready for Review-Document Uploaded. Submitted evidence that XXXX business asset under XXXX is owned by borrower. - Seller-06/30/2026 |
Resolved-Received Operating Agreement for proof of ownership of XXXX in order to use Asset provided - Due Diligence Vendor-07/06/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 800 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.236 Required is 0.75 Borrower has 1.221 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 9988520 | |
| XXXX | XXXX | 10326015 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 10367688 | B | B | B | B | A | A | A | A | Closed | FCRE0210 | 2026-07-06 13:17 | 2026-07-06 20:23 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | XXXX | Waived-Waiver applied to non-material finding. Loan closed in an Entity Name - Due Diligence Vendor-07/07/2026 Open-Per XXXX - Due Diligence Vendor-07/06/2026 |
Waived-Waiver applied to non-material finding. Loan closed in an Entity Name - Due Diligence Vendor-07/07/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR 1.02 Required is 0.8 Borrower has 1.02 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 10075212 | |||
| XXXX | XXXX | 10393894 | D | A | D | A | C | A | A | A | Closed | FCRE1158 | 2026-07-08 17:14 | 2026-07-14 10:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received email from Insurance co that RCE is included in policy. - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. email from insurance agent confirming replacement coverage - Seller-07/13/2026 Counter-Policy states has ACV not RCE. Actual Cash Value reduces the value in todays market. Does the policy have Replacement Cost Coverage? - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. rce shows sufficient coverage - Seller-07/09/2026 Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Property insurance for loans must protect against loss or damage from fire and other hazards covered by the standard extended coverage endorsement. The coverage must provide for claims to be settled on a replacement cost basis. HOI cert reflects Dwelling Replacement is Actual Cash Value (ACV). - Due Diligence Vendor-07/08/2026 |
Ready for Review-Document Uploaded. email from insurance agent confirming replacement coverage - Seller-07/13/2026 Ready for Review-Document Uploaded. rce shows sufficient coverage - Seller-07/09/2026 |
Resolved-Received email from Insurance co that RCE is included in policy. - Due Diligence Vendor-07/14/2026 |
Months Reserves exceed minimum required - 14.77 months reserves, 6 months required. Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $90,561.58 residual income per month. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | 10132934 | |
| XXXX | XXXX | 10393894 | D | A | D | A | C | A | A | A | Closed | FCRE7009 | 2026-07-08 17:14 | 2026-07-14 10:36 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE, HOI Policy states replacement cost at ACV, email from Insurance co that states RCE included in policy. This condition is resolved - Due Diligence Vendor-07/10/2026 Ready for Review-Document Uploaded. RCE which was in our file shows sufficient coverage - Seller-07/09/2026 Open-Insufficient Coverage Amount for Insured Subject Property. The hazard insurance coverage should be equal to the lesser of: • Replacement Cost Estimator from the property insurer or a 3rd party source (i.e., CoreLogic), if provided • Estimated cost to replace the dwelling from a recent appraisal, if provided • The unpaid principal balance of the mortgage. • 100% Replacement Cost Coverage as stated on the policy declaration page The UPB of subject is XXXX, no RCE in file, and estimated cost to replace the dwelling from a recent appraisal is XXXX. The dwelling coverage is XXXX and 100% replacement cost was not stated on the declararion page. - Due Diligence Vendor-07/08/2026 |
Ready for Review-Document Uploaded. RCE which was in our file shows sufficient coverage - Seller-07/09/2026 |
Resolved-Received RCE, HOI Policy states replacement cost at ACV, email from Insurance co that states RCE included in policy. This condition is resolved - Due Diligence Vendor-07/10/2026 |
Months Reserves exceed minimum required - 14.77 months reserves, 6 months required. Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $90,561.58 residual income per month. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | 10132933 | |
| XXXX | XXXX | 10393894 | D | A | D | A | C | A | A | A | Closed | finding-3540 | 2026-07-07 12:04 | 2026-07-09 12:05 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Received Document tracking. Finding Resolved. - Due Diligence Vendor-07/09/2026 Ready for Review-Document Uploaded. disclosure tracking and e-consent - Seller-07/09/2026 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----CD XXXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-07/07/2026 |
Ready for Review-Document Uploaded. disclosure tracking and e-consent - Seller-07/09/2026 |
Resolved-Received Document tracking. Finding Resolved. - Due Diligence Vendor-07/09/2026 |
Months Reserves exceed minimum required - 14.77 months reserves, 6 months required. Residual Income =/> 1.5 times $3,500 monthly residual income - Borrower has $90,561.58 residual income per month. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | 10098161 | |
| XXXX | XXXX | 10393886 | C | A | C | A | A | A | A | A | Closed | FCRE0008 | 2026-07-10 11:43 | 2026-07-13 16:22 | Resolved | 1 - Information | C | A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Lender confirmed no Prepayment Penalty. - Due Diligence Vendor-07/13/2026 Ready for Review-per guidelines, No XXXX unless the loan closes in a corp ... closing instructions were a mistake - Seller-07/10/2026 Open-Prepayment Penalty Discrepancy. Subject has a Prepayment Penalty per Application, Closing instructions and Tape. However the Pricing term sheet reflects no PPP . Provide PPP addendum and reason for PPP discrepancy. - Due Diligence Vendor-07/10/2026 |
Ready for Review-per guidelines, No XXXX unless the loan closes in a corp ... closing instructions were a mistake - Seller-07/10/2026 |
Resolved-Lender confirmed no Prepayment Penalty. - Due Diligence Vendor-07/13/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 56.27 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 794 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 10179604 | ||
| XXXX | XXXX | 10367673 | D | A | D | A | A | A | A | A | Closed | FCRE8887 | 2026-07-13 11:59 | 2026-07-14 09:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received commercial application. - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-07/13/2026 Open-Final 1003 missing. - Due Diligence Vendor-07/13/2026 |
Resolved-Received commercial application. - Due Diligence Vendor-07/14/2026 |
Months Reserves exceed minimum required - Reserves: 146 Min 3 (21 months w/o net proceeds) Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 797 LTV is less than guideline maximum - Required is 75 Borrower has 70 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10207638 | ||
| XXXX | XXXX | 10362178 | C | A | C | A | A | A | A | A | Closed | FCRE1491 | 2026-07-13 08:18 | 2026-07-15 11:45 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received EMD of $7000 as well as Snap shot of XXXX. Confirmed on Asset depletion worksheet XXXX was deducted for this purchase. - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. 1.We have the settlement statement and EMD receipt uploaded for assets 2.Asset Statements - Buyer-07/14/2026 Open-Asset Qualification Does Not Meet Guideline Requirements Borrowers must document source of funds used to purchase subject property XXXX. - Due Diligence Vendor-07/13/2026 |
Resolved-Received EMD of $7000 as well as Snap shot of XXXX. Confirmed on Asset depletion worksheet XXXX was deducted for this purchase. - Due Diligence Vendor-07/15/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.6 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10202063 | ||
| XXXX | XXXX | 10362178 | C | A | C | A | A | A | A | A | Closed | FCRE0970 | 2026-07-13 08:37 | 2026-07-15 11:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated Appraisal adding economic life of 40 years and FNMA SSR dated XXXX- Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-07/14/2026 Ready for Review-Document Uploaded. FNMA SSR has the same date as Freddie - Buyer-07/14/2026 Open-1). Appraiser did not include economic life of property (as we need to make sure economic life is at least term of mortgage). 2). Missing updated FNMA SSR (as FHLMC SSR provided is dated 6/19). Need FNMA SSR to have the same updated date. - Due Diligence Vendor-07/13/2026 |
Resolved-Received updated Appraisal adding economic life of 40 years and FNMA SSR datedXXXX - Due Diligence Vendor-07/15/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.6 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10202325 | ||
| XXXX | 10379240 | C | A | C | A | A | A | A | A | Closed | FCRE1175 | 2026-07-10 17:31 | 2026-07-28 15:23 | Resolved | 1 - Information | C | A | Credit | Insurance | Named Insured on HO6 Master Policy does not match HOA Name | Resolved-Received Master Condo Policy reflecting subject. - Due Diligence Vendor-07/28/2026 Ready for Review-Document Uploaded. Submitted updated HOA insurance for review - Seller-07/27/2026 Counter-Received confirmation subject Condo is part of master association. *New* Confirm HOA for Master Association is included in total HOA considered in qualifying. - Due Diligence Vendor-07/14/2026 Ready for Review-Document Uploaded. Submitted evidence XXXX is the master community name with XXXX being one of its sub-associations. Please escalate. - Seller-07/13/2026 Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name Master condo insurance reflects HOA name as XXXX HOA, Inc. Appraisal and Condo questionnaire reflect name as XXXX. - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Submitted updated HOA insurance for review - Seller-07/27/2026 Ready for Review-Document Uploaded. Submitted evidence XXXX being one of its sub-associations. Please escalate. - Seller-07/13/2026 |
Resolved-Received Master Condo Policy reflecting subject. - Due Diligence Vendor-07/28/2026 |
DSCR =/> 1.00 and minimum is 0.85 or Less - Minimum calculated DSCR allowed is .75%; Borrower calculated DSCR is 1.012%. Required is 0.75 Borrower has 1.012 LTV is less than guideline maximum - Maximum LTV is 80%; Borrower LTV is 70%. Required is 80 Borrower has 70 Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO is 620; Borrower has 695 Required is 620 Borrower has 695 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10187778 | ||
| XXXX | XXXX | 10383543 | C | B | C | B | A | A | A | A | Closed | FCRE0104 | 2026-07-14 12:23 | 2026-07-16 11:52 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Prepayment Penalty is not allowed | Waived--Originator exception granted to allow for 1 year prepayment in lieu of 2 years for property listed for sale within the last 6 months. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. fm exception... loan being sold to XXXX who allows the one year - Seller-07/14/2026 Open-Prepayment Penalty is not allowed. Property listed within 3 months of application. Two year minimum PPP is required, note only has one year PPP - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. fm exception... loan being sold to XXXX who allows the one year - Seller-07/14/2026 |
Waived--Originator exception granted to allow for 1 year prepayment in lieu of 2 years for property listed for sale within the last 6 months. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-07/16/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 740 Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.07 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 10237064 | |
| XXXX | 10379232 | D | A | D | A | A | A | A | A | Closed | FCRE1205 | 2026-07-14 08:38 | 2026-07-15 16:20 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received fraud report. - Due Diligence Vendor-07/15/2026 Ready for Review-XXXX report uploaded to trailing docs for review. - Seller-07/14/2026 Open-OFAC Check Not Completed and/or Cleared OFAC Check is missing, please provide - Due Diligence Vendor-07/14/2026 |
Ready for Review-XXXX report uploaded to trailing docs for review. - Seller-07/14/2026 |
Resolved-Received fraud report. - Due Diligence Vendor-07/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 780 Required is 620 Borrower has 780 Months Reserves exceed minimum required - 6 months required, borrower has 986.59 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 10229290 | |||
| XXXX | 10379232 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2026-07-14 08:38 | 2026-07-15 16:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. XXXX report uploaded for review. - Seller-07/14/2026 Open-Missing Third Party Fraud Report. Please provide - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. XXXXreport uploaded for review. - Seller-07/14/2026 |
Resolved-Received fraud report - Due Diligence Vendor-07/15/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 780 Required is 620 Borrower has 780 Months Reserves exceed minimum required - 6 months required, borrower has 986.59 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 10229291 | ||
| XXXX | XXXX | 10354160 | C | B | C | B | A | A | A | A | Closed | FCRE9996 | 2026-07-20 16:15 | 2026-07-21 10:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Condo does not meet requirements | Waived-Client exception granted to allow 6.73% condo project reserves with the minimum was 8%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. 1. exception approval email 2. completed exception form - Buyer-07/20/2026 Open-1008 reflects non-warrantable Condo project due to reserves only being 6.73% of the budget. Lender provided an exception for guideline requirement of reserves not being 8%. Provide an executed and complete exception. - Due Diligence Vendor-07/20/2026 |
Waived-Client exception granted to allow 6.73% condo project reserves with the minimum was 8%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-07/21/2026 |
Months Reserves exceed minimum required - 3 months required - have 55.86 months LTV is less than guideline maximum - Required is 75 Borrower has 41.24 |
LTV = 41.24% FICO > 700 (714) DSCR ratio = 1.0 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 10361076 | |
| XXXX | XXXX | 10313496 | C | A | C | A | A | A | A | A | Closed | FCRE1163 | 2026-07-14 11:16 | 2026-07-20 10:59 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Certification Date is greater than Note Date | Resolved-Received post close flood cert. Review used the Appraisal Flood Determination date. (DSCR investment). - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Flood Cert - Buyer-07/16/2026 Open-Flood Certification Date is greater than XXXX - Due Diligence Vendor-07/15/2026 |
Resolved-Received post close flood cert. Review used the Appraisal Flood Determination date. (DSCR investment). - Due Diligence Vendor-07/20/2026 |
Months Reserves exceed minimum required - Month reserves 393 Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 775 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 10233803 | ||
| XXXX | XXXX | 10379354 | C | A | A | A | C | A | A | A | Closed | FCOM0013 | 2026-07-14 14:18 | 2026-07-17 15:29 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Missing e-Consent | Resolved-Rec'd eConsent. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. - Seller-07/17/2026 Open-Missing e-Consent. Date of E-consent is missing - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. - Seller-07/17/2026 |
Resolved-Rec'd eConsent. - Due Diligence Vendor-07/17/2026 |
Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.94 Required is 50 Borrower has 34.94 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 769 Required is 680 Borrower has 769 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 10241259 | |
| XXXX | XXXX | 10362191 | C | A | C | A | A | A | A | A | Closed | FCRE8701 | 2026-07-15 14:28 | 2026-07-21 09:26 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received requested entity docs. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. 1. Good Standing - 2025 2. Operating Agreement 3. Articles of Inc. 4. EIN 5. Good standing - 2026 - Buyer-07/16/2026 Open-The Business Entity Formation Document is Missing. Please provide Entity Articles of Organization and Operating Agreements. o Tax Identification Number (Employer Identification Number – EIN). (Number obtained from w-9 form) o Certificate of Good Standing o Certificate of Authorization for the person executing all documents on behalf of the Entity - Due Diligence Vendor-07/16/2026 |
Resolved-Received requested entity docs. - Due Diligence Vendor-07/17/2026 |
Months Reserves exceed minimum required - 24 months PITIA reserves; 3 months reserves required. DSCR % greater than 1.20 - DSCR 1.37 is above the minimum required DSCR of 1.0 and greater than 1.20 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10269445 | ||
| XXXX | XXXX | 10354159 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-07-15 14:34 | 2026-07-20 11:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. refresh report - Buyer-07/16/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/15/2026 |
Resolved-Received Gap Report. - Due Diligence Vendor-07/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 730 LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying DTI below maximum allowed - Required is 45 Borrower has 2.7 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 10269623 | ||
| XXXX | XXXX | 10354159 | D | A | D | A | A | A | A | A | Closed | FCRE7806 | 2026-07-15 14:22 | 2026-07-20 11:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. bank statement summary - Buyer-07/16/2026 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-07/15/2026 |
Resolved-Received Bank Statement Summary/Lender Worksheet - Due Diligence Vendor-07/20/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 730 LTV is less than guideline maximum - Required is 75 Borrower has 70 Qualifying DTI below maximum allowed - Required is 45 Borrower has 2.7 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 10269115 | ||
| XXXX | XXXX | 10393883 | C | A | A | A | A | A | C | A | Closed | FPRO1257 | 2026-07-16 06:25 | 2026-07-29 09:21 | Resolved | 1 - Information | C | A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review, support appraised value. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. XXXX - Seller-07/23/2026 Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing Desk Review. only appraisal provided. - Due Diligence Vendor-07/16/2026 |
Ready for Review-Document Uploaded. XXXX - Seller-07/23/2026 |
Resolved-Received Desk Review, support appraised value. - Due Diligence Vendor-07/24/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 777 LTV is less than guideline maximum - Required is 80 Borrower has 58.82 Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.99 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10286330 | |
| XXXX | XXXX | 10367660 | C | B | C | B | A | A | A | A | Closed | FCRE1440 | 2026-07-16 13:10 | 2026-07-20 13:29 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors- to allow first time investor not having a 12 month housing history due to living rent free with spouse for a total of 6 years until XXXX. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-07/17/2026 Open-Notes show there was an approved exception, but the exception was not uploaded to the file. - Due Diligence Vendor-07/16/2026 Open-Housing History Does Not Meet Guideline Requirements Exception for First Time Investor Living Rent Free required. - Due Diligence Vendor-07/16/2026 |
Waived-Client waiver applied to non-material finding with compensating factors- to allow first time investor not having a 12 month housing history due to living rent free with spouse for a total of 6 years until XXXX. - Due Diligence Vendor-07/20/2026 |
Months Reserves exceed minimum required - Reserves 14.89 months. Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727 |
FICO score 727 Reserves are 12 months or more LTV 75% DSCR 1.48 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Investor Post-Close | No | 10294339 | |
| XXXX | XXXX | 10362182 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 10393890 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 10393892 | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-07-21 08:52 | 2026-07-22 11:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received final CD, which included escrows for Taxes and Ins - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. XXXX docs - Seller-07/21/2026 Open-Housing History Does Not Meet Guideline Requirements Missing Final CD and Note from property 3B to verify terms and payment (borrower new loan with XXXX on credit supplement) - Due Diligence Vendor-07/21/2026 |
Ready for Review-Document Uploaded. XXXX docs - Seller-07/21/2026 |
Resolved-Received final CD, which included escrows for Taxes and Ins - Due Diligence Vendor-07/22/2026 |
LTV is less than guideline maximum - Required is 85 Borrower has 75 Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.01 Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 747 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 10374486 | |
| XXXX | XXXX | 10393910 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 10367668 | D | A | D | A | A | A | A | A | Closed | FCRE7806 | 2026-07-23 14:10 | 2026-07-27 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Bank statement income calc, present page 650 - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-07/24/2026 Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing - Due Diligence Vendor-07/23/2026 |
Resolved-Received Bank statement income calc, present page 650 - Due Diligence Vendor-07/27/2026 |
Months Reserves exceed minimum required - Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.09 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 10433708 | ||
| XXXX | XXXX | 10367668 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-07-23 14:20 | 2026-07-27 13:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh datedXXXX , Note is dated XXXX - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-07/24/2026 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-07/23/2026 |
Resolved-Received credit refresh dated XXXX , Note is dated XXXX - Due Diligence Vendor-07/27/2026 |
Months Reserves exceed minimum required - Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.09 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 10434071 | ||
| XXXX | 10379271 | C | A | C | A | A | A | A | A | Closed | FCRE7011 | 2026-07-22 07:44 | 2026-07-23 16:57 | Resolved | 1 - Information | C | A | Credit | Insurance | Rent Loss Coverage is Insufficient or Missing | Resolved-Upon further review, guidelines state 6 months additional reserves beyond the program minimum are allowed in lieu of rent loss coverage. Requirement has been met. - Due Diligence Vendor-07/23/2026 Ready for Review-Per section 13 of guidelines: "6 months additional reserves beyond the program minimum are allowed in lieu of rent loss coverage." - Seller-07/22/2026 Open-Rent Loss Coverage is Insufficient or Missing. 6 months rent loss required per guides - Due Diligence Vendor-07/22/2026 |
Ready for Review-Per section 13 of guidelines: "6 months additional reserves beyond the program minimum are allowed in lieu of rent loss coverage." - Seller-07/22/2026 |
Resolved-Upon further review, guidelines state 6 months additional reserves beyond the program minimum are allowed in lieu of rent loss coverage. Requirement has been met. - Due Diligence Vendor-07/23/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 803 Required is 700 Borrower has 803 DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.698 Required is 0.75 Borrower has 1.698 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10398187 | |||
| XXXX | XXXX | 10374406 | D | A | A | A | D | A | A | A | Closed | FCOM1266 | 2026-07-22 10:12 | 2026-07-27 11:11 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-07/27/2026 Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-07/22/2026 |
Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-07/27/2026 |
LTV is less than guideline maximum - Required is 80 Borrower has 60.32 Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.54 Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 711 |
XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 10400787 | ||
| XXXX | XXXX | 10327141 | A | A | A | A | A | A | A | A | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | ||||||||||||||||||
| XXXX | 10395593 | B | B | A | A | B | B | A | A | Closed | FCOM1302 | 2026-07-24 10:02 | 2026-07-24 10:34 | Waived | 2 - Non-Material | B | B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Originator waiver applied to non-material findings - Due Diligence Vendor-07/24/2026 | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '5'). Originator waiver applied to non-material findings - Due Diligence Vendor-07/24/2026 |
Qualifying DTI below maximum allowed - . Required is 50 Borrower has 34.09 Months Reserves exceed minimum required - Months Reserves exceed minimum required |
QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 10448644 | ||||
| XXXX | 10379275 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2026-07-27 19:51 | 2026-07-29 12:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received final settlement statement for cash out of other property. Sufficient funds for closing and required reserves. - Due Diligence Vendor-07/29/2026 Ready for Review-Submitted Final SS from XXXX to support sufficient funds, plus reserves. - Seller-07/28/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) No assets documented in file. Per 1008, provide a closing statement for cash-out proceeds from the concurrent refinance to cover 6 months ITIA in lieu of rent loss coverage, as allowed per guides. Additional findings may apply. - Due Diligence Vendor-07/27/2026 |
Ready for Review-Submitted Final SS from XXXX to support sufficient funds, plus reserves. - Seller-07/28/2026 |
Resolved-Received final settlement statement for cash out of other property. Sufficient funds for closing and required reserves. - Due Diligence Vendor-07/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 803 LTV is less than guideline maximum - Required is 75 Borrower has 67.54 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10480252 | |||
| XXXX | 10379275 | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2026-07-27 17:34 | 2026-07-29 12:02 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received final settlement statement for cash out of other property. Sufficient funds for closing and required reserves. - Due Diligence Vendor-07/29/2026 Ready for Review-Document Uploaded. Submitted Final SS from XXXX to support sufficient funds, plus reserves. - Seller-07/28/2026 Open-Total Qualified Assets Post-Close amount is '$-19956.31'. Assets are Insufficient. Borrower is short cash to close. No assets documented in file. Per 1008, provide a closing statement for cash-out proceeds from the concurrent refinance to cover subject property. Additional findings may apply. - Due Diligence Vendor-07/27/2026 |
Ready for Review-Document Uploaded. Submitted Final SS from XXXX to support sufficient funds, plus reserves. - Seller-07/28/2026 |
Resolved-Received final settlement statement for cash out of other property. Sufficient funds for closing and required reserves. - Due Diligence Vendor-07/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 803 LTV is less than guideline maximum - Required is 75 Borrower has 67.54 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 10478888 | ||
| XXXX | XXXX | 10383541 | C | A | C | A | A | A | A | A | Closed | FCRE5774 | 2026-07-28 10:55 | 2026-07-29 13:38 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower 1 Credit Report was provided. - Due Diligence Vendor-07/29/2026 Ready for Review-Document Uploaded. Please see attached credit report prior to the note date. - Buyer-07/28/2026 Open-Borrower 1 Credit Report is Partially Present. Provide credit report prior to Note date. Subject to additional conditions. - Due Diligence Vendor-07/28/2026 |
Resolved-Borrower 1 Credit Report was provided. - Due Diligence Vendor-07/29/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 786 Months Reserves exceed minimum required - Min 3, actual 108.30 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | N/A | N/A | 10490718 | ||
| XXXX | XXXX | 10374452 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2026-07-29 11:28 | 2026-07-31 12:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received UW DSCR Calculations - Due Diligence Vendor-07/31/2026 Ready for Review-Document Uploaded. DSCR WS - Buyer-07/29/2026 Open-The DSCR Calculation from lender is Missing. DSCR calculation to be delivered with review file - Due Diligence Vendor-07/29/2026 |
Resolved-Received UW DSCR Calculations - Due Diligence Vendor-07/31/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 Months Reserves exceed minimum required - 13 months reserves documented, 3 months required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 10514255 | ||
| XXXX | XXXX | 10374452 | D | A | D | A | A | A | A | A | Closed | FCRE0112 | 2026-07-29 11:28 | 2026-07-31 12:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Approval/Underwriting Summary Not Provided_3 | Resolved-Received 1008 - Due Diligence Vendor-07/31/2026 Ready for Review-Document Uploaded. Supporting Document - Buyer-07/31/2026 Open-Approval/Underwriting Summary Not Provided. Missing approval/1008 - Due Diligence Vendor-07/29/2026 |
Resolved-Received 1008 - Due Diligence Vendor-07/31/2026 |
Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 Months Reserves exceed minimum required - 13 months reserves documented, 3 months required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 10514256 | ||
| XXXX | 10395646 | D | A | D | A | A | A | A | A | Closed | FCRE8201 | 2026-08-04 13:50 | 2026-08-10 10:50 | Resolved | 1 - Information | C | A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received explanation for negative ending balance on XXXX are results of service fees iao $15/mo. There are no NSF/overdrafts reflected on those statements/months. Borrower explains is a byproduct on how elects ro manage cash flow with a near zero on this acct. - Due Diligence Vendor-08/10/2026 Ready for Review-Document Uploaded. Please see attached LOE from borrower, there were no NSF’s but rather the bank charges a monthly fee to borrower if the account balance falls below a specific threshold. The zero balances are intentional for how he conducts the business and pays himself a wage that is transferred to his personal account. - Seller-08/06/2026 Open-Loan does not conform to program guidelines. Borrower has 4 NSF's within a 12 month period (3 which are within a 3 month time period) Each month was in the negative. Per guides NSFS are not within tolerance of minimum requirement of up to three (3) occurrences are allowed in the most recent 12-month time period. - Due Diligence Vendor-08/04/2026 |
Ready for Review-Document Uploaded. Please see attached LOE from borrower, there were no NSF’s but rather the bank charges a monthly fee to borrower if the account balance falls below a specific threshold. The zero balances are intentional for how he conducts the business and pays himself a wage that is transferred to his personal account. - Seller-08/06/2026 |
Resolved-Received explanation for negative ending balance on XXXX are results of service fees iao $15/mo. There are no NSF/overdrafts reflected on those statements/months. Borrower explains is a byproduct on how elects ro manage cash flow with a near zero on this acct. - Due Diligence Vendor-08/10/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737 Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $15,226.53; minimum required NONE |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 10622254 | ||
| XXXX | 10395646 | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2026-08-04 08:44 | 2026-08-06 09:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report, no changes - Due Diligence Vendor-08/06/2026 Ready for Review-Document Uploaded. UDN uploaded - Seller-08/04/2026 Open-Borrower 1 Gap Credit Report is Missing . A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-08/04/2026 |
Ready for Review-Document Uploaded. UDN uploaded - Seller-08/04/2026 |
Resolved-Received Borrower 1 Gap Credit Report, no changes - Due Diligence Vendor-08/06/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 737 Residual Income =/> 1.5 times $3,500 monthly residual income - Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual income = $15,226.53; minimum required NONE |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 10614296 | ||
| XXXX | 10395706 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 10395664 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 10395749 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 10395626 | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-08-21 13:14 | 2026-08-21 13:15 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow total loan amounts to borrower to exceed exposure limit, Submission of 3 loans exceeds $6M exposure - Due Diligence Vendor-08/21/2026 Open-Submission of 3 loans exceeds $6M exposure. - Due Diligence Vendor-08/21/2026 |
Waived-Originator exception granted to allow total loan amounts to borrower to exceed exposure limit, Submission of 3 loans exceeds $6M exposure - Due Diligence Vendor-08/21/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 746 Required is 620 Borrower has 746 Guideline: Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.34 Required is 50 Borrower has 26.34 |
Required is 50 Borrower has 26.34 Required is 620 Borrower has 746 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 10957423 | ||
| XXXX | 10395635 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | |||||||||||||||||||
| XXXX | 10395724 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 10395591 | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2026-08-11 10:00 | 2026-08-11 12:48 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Open-Submission of 3 loans exceeds $6M exposure. Exception is uploaded. - Due Diligence Vendor-08/11/2026 Waived-Originator exception granted to allow total loan amounts to borrower to exceed exposure limit, Non-material waiver applied with comp factors. - Due Diligence Vendor-08/11/2026 |
Waived-Originator exception granted to allow total loan amounts to borrower to exceed exposure limit, Non-material waiver applied with comp factors. - Due Diligence Vendor-08/11/2026 |
Guideline: Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.19 Guideline: LTV is less than guideline maximum - Required is 70 Borrower has 63.83 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 782 |
DTI 30.19 LTV 63.83 FICO 782 Reserves 15 months |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 10738267 | |||
| XXXX | 10395651 | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2026-08-10 15:45 | 2026-08-12 10:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOR. - Due Diligence Vendor-08/12/2026 Ready for Review-Document Uploaded. Please disregard prev document uploaded. Upld correct VOR - Seller-08/11/2026 Ready for Review-Document Uploaded. verification of rental - Seller-08/11/2026 Open-Housing History Does Not Meet Guideline Requirements Missing Verification of Rent for primary residence - Due Diligence Vendor-08/10/2026 |
Ready for Review-Document Uploaded. Please disregard prev document uploaded. Upld correct VOR - Seller-08/11/2026 Ready for Review-Document Uploaded. verification of rental - Seller-08/11/2026 |
Resolved-Received VOR. - Due Diligence Vendor-08/12/2026 |
Guideline: LTV is less than guideline maximum - Required is 90 Borrower has 52.17 Guideline: Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 799 Guideline: Qualifying DTI below maximum allowed - Required is 43 Borrower has 15.93 |
XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase | NA | N/A | N/A | 10718106 | ||
| XXXX | 10395705 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | |||||||||||||||||||
| XXXX | 10395600 | C | B | C | B | A | A | A | A | Closed | FCRE5790 | 2026-08-13 13:40 | 2026-08-14 15:01 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-After further review, the gap report needs to be dated within 30 days of close per guides. - Due Diligence Vendor-08/14/2026 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) - Due Diligence Vendor-08/13/2026 |
Resolved-After further review, the gap report needs to be dated within 30 days of close per guides. - Due Diligence Vendor-08/14/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 744 Guideline: LTV is less than guideline maximum - . Required is 85 Borrower has 80 Guideline: Qualifying DTI below maximum allowed - . Required is 50 Borrower has 13.1 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | N/A | N/A | 10793416 | ||||
| XXXX | 10395600 | C | B | C | B | A | A | A | A | Closed | FCRE0210 | 2026-08-13 11:02 | 2026-08-14 11:54 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | XXXX | Waived-Waiver applied to non-material finding. Loan closed in an Entity Name - Due Diligence Vendor-08/14/2026 Open-Per XXXX. - Due Diligence Vendor-08/13/2026 |
Waived-Waiver applied to non-material finding. Loan closed in an Entity Name - Due Diligence Vendor-08/14/2026 |
Guideline: Qualifying FICO score is at least 20 points above minimum for program - . Required is 680 Borrower has 744 Guideline: LTV is less than guideline maximum - . Required is 85 Borrower has 80 Guideline: Qualifying DTI below maximum allowed - . Required is 50 Borrower has 13.1 |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA | Originator Post-Close | No | 10788780 | ||||
| XXXX | 10395647 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other |