MORGAN STANLEY RESIDENTIAL MORTGAGE LOAN TRUST 2026-NQM12 ABS-15G
Exhibit 99.7 - Schedule 4
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | XXXX | 10155985 | Closed | 2026-06-18 12:08 | 2026-07-15 05:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Verification provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Verification provided, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXX XXX - XXXXXXXX XXXXXXX XXXXXXX _ XXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9822150 | N/A | N/A | ||||
| XXXX | XXXX | 10155985 | Closed | 2026-03-13 05:07 | 2026-03-18 05:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | B1 Verification of Undisclosed Debt Monitoring | Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Verification of Undisclosed Debt Monitoring Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Open-Borrower X Missing Verification of Undisclosed Debt Monitoring (UDM) Borrower X Evidence of Undisclosed Debt Monitoring is missing. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Evidence of Undisclosed Debt Monitoring provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Verification of Undisclosed Debt Monitoring Present - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 8088366 | N/A | N/A | ||||
| XXXX | XXXX | 10256050 | Closed | 2026-04-28 06:45 | 2026-09-10 16:57 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-The last Loan Estimate Received Date of (XXXX-XX-XX) is not X business days before the consummation date of (XXXX-XX-XX). Four business days before consummation is (XXXX-XX-XX). Under Regulation Z, a consumer must receive a revised Loan Estimate no later than X business days before consummation. (XX CFR XXXX.XX(e)(X)(ii)) - Due Diligence Vendor-XX/XX/XXXX Open-The last Loan Estimate Received Date of (XXXX-XX-XX) is not X business days before the consummation date of (XXXX-XX-XX). Four business days before consummation is (XXXX-XX-XX). Under Regulation Z, a consumer must receive a revised Loan Estimate no later than X business days before consummation. (XX CFR XXXX.XX(e)(X)(ii)) - Due Diligence Vendor-XX/XX/XXXX Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-LE is X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-The last Loan Estimate Received Date of (XXXX-XX-XX) is not X business days before the consummation date of (XXXX-XX-XX). Four business days before consummation is (XXXX-XX-XX). Under Regulation Z, a consumer must receive a revised Loan Estimate no later than X business days before consummation. (XX CFR XXXX.XX(e)(X)(ii)) The last Loan Estimate Received Date of (XXXX-XX-XX) is not X business days before the consummation date of (XXXX-XX-XX). Four business days before consummation is (XXXX-XX-XX). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-. - Due Diligence Vendor-XX/XX/XXXX Resolved-LE is X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
_X XXXX XXXXXXXXXX (X).XXX XXXXXX XX XXX_XX XXXXXX XX XXXXXXX.XXX XXXXXX XX XXX_XX XXXXXX XX XXXXXXX (X).XXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8914920 | N/A | N/A | |||
| XXXX | XXXX | 10256050 | Closed | 2026-04-28 06:45 | 2026-09-10 16:52 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Open-The Last Loan Estimate was provided on (XXXX-XX-XX) which is on or after (XXXX-XX-XX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (XX CFR XXXX.XX(e)(X)(ii)) - Due Diligence Vendor-XX/XX/XXXX Resolved-LE is X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-attachjed - Seller-XX/XX/XXXX Open-Document Uploaded. - Buyer-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The Last Loan Estimate was provided on (XXXX-XX-XX) which is on or after (XXXX-XX-XX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (XX CFR XXXX.XX(e)(X)(ii)) Revised LE and Initial CD both are issued on same date - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-attachjed - Seller-XX/XX/XXXX |
Resolved-LE is X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX_XXXXX XXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8914918 | N/A | N/A | |||
| XXXX | XXXX | 10256050 | Closed | 2026-04-28 06:31 | 2026-05-06 10:16 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX Uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX Counter-Please upload XXXX. LE was uploaded. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX Open-Initial XXXX missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Initial XXXX Uploaded. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
_X XXXX XXXXXX XXXX XXXX (X).XXX XXXXX XXXXXXX XXXX.XXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8914757 | N/A | N/A | ||||
| XXXX | XXXX | 10256050 | Closed | 2026-04-28 03:23 | 2026-05-05 03:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | B2 Verification of Undisclosed Debt Monitoring | Resolved-Gap Report dated no more than XX calendar days prior to note date provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Verification of Undisclosed Debt Monitoring Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CBR X/XX, loan closed X/XX - Buyer-XX/XX/XXXX Open-Borrower X Missing Verification of Undisclosed Debt Monitoring (UDM) Evidence of Verification of Undisclosed Debt Monitoring Missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Gap Report dated no more than XX calendar days prior to note date provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Verification of Undisclosed Debt Monitoring Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXX (X).XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8911599 | N/A | N/A | ||||
| XXXX | XXXX | 10256050 | Closed | 2026-04-28 03:23 | 2026-05-05 03:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | B1 Verification of Undisclosed Debt Monitoring | Resolved-Gap Report dated no more than XX calendar days prior to note date provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Verification of Undisclosed Debt Monitoring Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CBR X/XX, loan closed X/XX - Seller-XX/XX/XXXX Open-Borrower X Missing Verification of Undisclosed Debt Monitoring (UDM) Evidence of Verification of Undisclosed Debt Monitoring Missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CBR X/XX, loan closed X/XX - Seller-XX/XX/XXXX |
Resolved-Gap Report dated no more than XX calendar days prior to note date provided - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Verification of Undisclosed Debt Monitoring Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXXXX (X).XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8911598 | N/A | N/A | |||
| XXXX | XXXX | 10256050 | Closed | 2026-04-30 11:14 | 2026-05-04 09:16 | Resolved | 1 - Information | C | A | Property | Appraisal | Missing Core Valuation Product | Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Xnd appraisal - Seller-XX/XX/XXXX Open-Missing Core Valuation Product X appraisals required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Xnd appraisal - Seller-XX/XX/XXXX |
Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX (X).XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8971499 | N/A | N/A | |||
| XXXX | XXXX | 10256050 | Closed | 2026-04-28 06:34 | 2026-05-04 06:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Requested evidence of rate lock provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-attached - Seller-XX/XX/XXXX Open-Document Uploaded. - Buyer-XX/XX/XXXX Open-Lock Confirmation & loan Approval Missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-attached - Seller-XX/XX/XXXX |
Resolved-Requested evidence of rate lock provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX - XXXXXXXXXXXX.XXX XXXXXXXXXXX XXXXXXXXX.XXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8914791 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10298046 | Closed | 2026-05-07 22:44 | 2026-06-09 12:07 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated Subject property Rental Income/Loss utilizing rental income from the comparable rent schedule. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXXX - Seller-XX/XX/XXXX Ready for Review-LOE- ratios - Seller-XX/XX/XXXX Counter-We have removed the Car payment. However, the DTI of XX.XX still does not meet DTI approved on Exception. Updated Other Debt XXX.XX+XX+XXX+XX+XX+XX+XX=X,XXX.XX Primary Housing Expense $XXXX+XXXX=$XXXXX.XX Other REO Rent Loss -$XXXX.XX Subject Property PITIA -$XXXX.XX based on I/O GL-Note rate amortized over the remaining term after the expiration of the interest only period - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The differences in the calcs are below. We believe you are including the car payment from an installment debt with less than XX payments. It is not a lease, so we follow XXXX and would not include that payment. - can you please provide us with a break down of the $ XXXX debts co compare ? or confirm our calculations are correct ? - Seller-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Counter-Exception only provides for DTI up to XX.XX%. Audited DTI XX.XX%: Income: $XX,XXX.XX+$XX,XXX.XX+$XX,XXX.XX; Additional Debt $XXXX; Subject property REO Loss -$XXXX.XX Additional REO loss $XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-exception for DTI - Seller-XX/XX/XXXX Counter-Document Uploaded. Per Guidelines, Interest only loans are qualified on the remaining term after expiration of the interest only payment. Subject property PITIA: P&I $XXXX.XX + $XXX.XX taxes + $XXX.XX Insurance + $XXX.XX HOA = $XXXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Subject property PITI should be $X,XXX.XX P&I =$X,XXX.XX + Haz $XXX.XX + Prop Tax $XXX.XX + HOA $XXX - Seller-XX/XX/XXXX Open-Audited DTI Exceeds Guideline DTI Audited DTI XX.XX% Exceeds Guideline DTI of XX%. Audited DTI Calculation: Subject property PITIA XXXX.XX + Primary Residence $XXXXX.XX + other REO $XXXX.XX + Other Debt $XXXX.XX = $XX,XXX.XX/Income $XXXXX.XX=$XXXXX.XX x XXX = XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-XXXX - Seller-XX/XX/XXXX Ready for Review-LOE- ratios - Seller-XX/XX/XXXX Ready for Review-The differences in the calcs are below. We believe you are including the car payment from an installment debt with less than XX payments. It is not a lease, so we follow XXXX and would not include that payment. - can you please provide us with a break down of the $ XXXX debts co compare ? or confirm our calculations are correct ? - Seller-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Ready for Review-exception for DTI - Seller-XX/XX/XXXX Ready for Review-Subject property PITI should be $X,XXX.XX P&I =$X,XXX.XX + Haz $XXX.XX + Prop Tax $XXX.XX + HOA $XXX - Seller-XX/XX/XXXX |
Resolved-Updated Subject property Rental Income/Loss utilizing rental income from the comparable rent schedule. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXX-XX-XX XXXXXX.XXX XXXXX_XXXXXX-XXXXXXX_XXX XXXXXXXXX XXXXXXX XXXX.XXX XXXXX_XXXXXX-XXXXXXX_XX XXXX X.XXX XXXXX_XXXXXX-XXXXXXX_XXX - XXXXXX.XXX XXXXX_XXXXXX-XXXXXXX_XXXXXXXXXXX_XX_XXX (XX).XXX |
XXXX | Investment | Purchase | NA | 9097219 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10298046 | Closed | 2026-05-11 16:38 | 2026-05-15 10:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Supplemental Report provided reflecting XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Counter-Prelim title reflecting proposed buyer or final title required. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Subject loan is a purchase so currently vested does not match on title - Seller-XX/XX/XXXX Open-Title Document is missing Prelim Title reflecting Vesting/Borrower as XXXX XXXX, XXX misisng. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX Ready for Review-Subject loan is a purchase so currently vested does not match on title - Seller-XX/XX/XXXX |
Resolved-Supplemental Report provided reflecting XXXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Document is fully Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXX XXXXXXXXXX (X).XXX XXXXX_XXXXXX-XXXXXXX_XXXXX XXXXXXXXXX.XXX |
XXXX | Investment | Purchase | NA | 9138886 | N/A | N/A | ||
| XXXX | XXXX | 10326159 | Closed | 2026-06-02 03:14 | 2026-06-12 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-received fraud report and XXXX listing, per google HOA fees are less than XXXX per month - DTIs are in line - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Doc uploaded is in file - does not provide HOA information for XXX XXXXXXXXXXX XXXXXXXXX XXXX XXX, XXXXXXXXXXXXXXX, XX, XXXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-XXX XXXXXX XXX, XXXXXXXXXXXXXXX, XX, XXXXX annual tax amount is XXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The Fraud report was used for the taxes XXX XXXX - Seller-XX/XX/XXXX Open-HOA document for verification is missing for the property: XXX XXXXXXXXXXX XXXXXXXXX XXXX XXX, XXXXXXXXXXXXXXX, XX, XXXXX and Tax documnet is missing for verification of the property: XXX XXXXXX XXX, XXXXXXXXXXXXXXX, XX, XXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. The Fraud report was used for the taxes XXX XXXX - Seller-XX/XX/XXXX |
Resolved-received fraud report and zillow listing, per google HOA fees are less than XXXX per month - DTIs are in line - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXX.XXX XXX XXXXXXXXXXX XXXX #XXX, XXXXXXXXXXXXXX, XX XXXXX _ XXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 9493769 | N/A | N/A | |||
| XXXX | XXXX | 10326159 | Closed | 2026-06-02 02:42 | 2026-06-10 03:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Provided XXXX loan amount is $XXX,XXX whereas on note the loan amount is $XXX,XXX. The PI amount is different, Insurance amount is not correct and HOA dues are missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXXX doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9493519 | N/A | N/A | |||
| XXXX | XXXX | 10337919 | Closed | 2026-06-10 07:25 | 2026-06-16 06:11 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-New XXXX and XXXX provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-REVISED XXXX & XXXX adding XXXX debt - Seller-XX/XX/XXXX Open-DTI difference is due to XXXX to XXXXXX account ending in XXXX with a monthly payment of $XXX.XX not be in the lenders calculation for DTI. NO proof it was paid off, paid by a third party, or deferred in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-REVISED XXXX & XXXX adding XXXX debt - Seller-XX/XX/XXXX |
Resolved-New XXXX and XXXX provided, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXXX XXXXXX XXXXXXX XXXX XXXXXXX XX X XXXXXXXXX.XXX XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXXXX XXXX XXXXXX XXXXXXX XXXX XXXXXXX XX X XXXXXXXXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9651510 | N/A | N/A | |||
| XXXX | XXXX | 10337919 | Closed | 2026-06-09 14:29 | 2026-06-12 06:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Rate lock confirmation provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-rate lock confirmation attached again - Seller-XX/XX/XXXX Open-Missing rate lock confirmation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-rate lock confirmation attached again - Seller-XX/XX/XXXX |
Resolved-Rate lock confirmation provided, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXX XXXXXXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9635155 | N/A | N/A | |||
| XXXX | XXXX | 10337905 | Closed | 2026-06-10 09:11 | 2026-06-11 06:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan approval provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Ready for Review-PC CERT reg matching income_revised XXXX, XXXX and X ICW's - Seller-XX/XX/XXXX Open-Missing conditional UW approval. XXXX and final XXXX have different income amounts. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX Ready for Review-PC CERT reg matching income_revised XXXX, XXXX and X ICW's - Seller-XX/XX/XXXX |
Resolved-Loan approval provided, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XX XXXX XXX XXXXXXXX XXXXXX_XXXXXXX XXXX_XXXX XXX X XXX.XXX XXXXX_XXXXXX-XXXXXXX_XXXXXXXXXX XXXX XXXXXXX XXXXXX_XXXXXXXXXXXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9652985 | N/A | N/A | |||
| XXXX | XXXX | 10323463 | Closed | 2026-06-12 01:38 | 2026-06-17 14:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX and Approval Certificate were corrected. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. The Income on the provided XXXX ($XX,XXX) does not match the qualifying income on the Income Calculation Worksheet, the Approval Certificate, the Final XXXX, or the XXXXXXXXXXXXX data input ($XX,XXX.XX). This is causing a DTI difference among the other provided documents. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The XXXX and Approval Certificate were corrected. - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXXX XXXXXX $XX,XXX.XXX XXXXX XXXX - XXXXXX $XX,XXX.XXX XXXXXXXX XXXXXXXXXXX - XXXXXX $XX,XXX.XXX |
XXXX | Primary Residence | Purchase | NA | 9707873 | N/A | N/A | |||
| XXXX | XXXX | 10315456 | Closed | 2026-06-15 08:51 | 2026-07-09 11:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-There are Uncleared alerts in fraud report, provided Updated Fraud Report, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Per the guideline Version X/X/XXXX on page#XX a clear fraud report is required. The fraud report in file pg#XXX is showing a X low alert. The required cleared report is missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Fraud Report - Seller-XX/XX/XXXX |
Resolved-There are Uncleared alerts in fraud report, provided Updated Fraud Report, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXX.XXX | XXXX | Second Home | Purchase | NA | 9742720 | N/A | N/A | |||
| XXXX | XXXX | 10315456 | Closed | 2026-06-16 03:20 | 2026-06-23 09:14 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Comp factors to use gift funds - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Exception Information - Seller-XX/XX/XXXX Open-Loan does not conform to program guidelines Exception provided at page #XXX: XX% down payment, with XXX fico and perfect credit history, including prior mortgage experience for loan amounts twice the size of subject loan. The gift is from his wife to whom he remains married. He has approx $X.X million in his own funds prior to gift receipt. Technically he would have qualified without a gift at all, if he did XX% LTV financing, as he would have had sufficient funds of his own for closing, reserves, and XXXX. But they wish to structure as more conservative XX% financing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Exception Information - Seller-XX/XX/XXXX |
Waived-Comp factors to use gift funds - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXX.XXX | XX% LTV is below the maximum XX% LTV by XX%. XXX Representative credit score exceeds the minimum required of XXX by XXX points $X,XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by XX months over the required minimum. |
XXXX | Second Home | Purchase | NA | 9759009 | Originator Pre-Close | Yes | ||
| XXXX | XXXX | 10315456 | Closed | 2026-06-17 13:34 | 2026-06-22 16:37 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Waived-Comp factors to use gift funds - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Exception Information - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Per GL X.X.XX section X.X.XX.X page XX when using XXXX Gift Funds are not eligible - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Exception Information - Seller-XX/XX/XXXX |
Waived-Comp factors to use gift funds - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXX.XXX | XX% LTV is below the maximum XX% LTV by XX%. XXX Representative credit score exceeds the minimum required of XXX by XXX points $X,XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by XX months over the required minimum. |
XXXX | Second Home | Purchase | NA | 9795886 | Originator Pre-Close | Yes | ||
| XXXX | XXXX | 10315456 | Closed | 2026-06-16 02:34 | 2026-06-22 10:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Attached is updated XXXX - resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. Loan amount, P&I and HOA Due amount in XXXX is incorrect, Need updated XXXX with correct values. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX |
Resolved-Attached is updated XXXX - resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX.XXX | XXXX | Second Home | Purchase | NA | 9758642 | N/A | N/A | |||
| XXXX | XXXX | 10315456 | Closed | 2026-06-15 07:25 | 2026-06-21 23:47 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage is less than loan amount, provided updated title, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. FTP - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. FTP - Seller-XX/XX/XXXX |
Resolved-Title Coverage is less than loan amount, provided updated title, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXX XXXXXX (XX).XXX | XXXX | Second Home | Purchase | NA | 9741528 | N/A | N/A | |||
| XXXX | XXXX | 10356614 | Closed | 2026-06-16 03:49 | 2026-06-26 14:14 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC provided for Rate Lock and rate dependent fees. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Fee change was disclosed between LE COC and Initial CD sent to borrower - see attached. - Seller-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Provide COC for the lender credit decreasing from $XXXX in the Revised LE to $X in the Initial CD. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Fee change was disclosed between LE COC and Initial CD sent to borrower - see attached. - Seller-XX/XX/XXXX |
Resolved-COC provided for Rate Lock and rate dependent fees. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XX - XXX.XXX XXXXX_XXXXXX-XXXXXXX_XXX XX.XXX XXXXX_XXXXXX-XXXXXXX_XXX XX.XXX |
XXXX | Primary Residence | Purchase | NA | 9759213 | N/A | N/A | |||
| XXXX | XXXX | 10356524 | Closed | 2026-06-18 07:52 | 2026-06-24 06:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | B1 Verification of Undisclosed Debt Monitoring | Resolved-Borrower X Verification of Undisclosed Debt Monitoring Present - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Counter-Unable to open attachment. Please upload document again. - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Borrower X Missing Verification of Undisclosed Debt Monitoring (UDM) Provide Undisclosed Debt Monitoring (UDM). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Borrower X Verification of Undisclosed Debt Monitoring Present - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXX XXX XXXXXXXX.XXX XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9814491 | N/A | N/A | |||
| XXXX | XXXX | 10356524 | Closed | 2026-06-18 08:06 | 2026-06-22 08:13 | Resolved | 1 - Information | C | A | Credit | Credit | Assets not properly documented/insufficient | Resolved-Bank Statement received with available balance as of X/XX/XXXX iao $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-XXXX and Final XXXX reflect assets iao $XXX,XXX. Provide supporting documentation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Bank Statement received with available balance as of X/XX/XXXX iao $XXX,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXXX XXXXXXXX.XXX XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXXX XXXXXXXX X.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9814769 | N/A | N/A | |||
| XXXX | XXXX | 10356524 | Closed | 2026-06-18 07:20 | 2026-06-22 08:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval received - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Provide loan approval - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Loan Approval received - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXXXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9813877 | N/A | N/A | |||
| XXXX | XXXX | 10356569 | Closed | 2026-06-17 14:45 | 2026-06-22 08:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval/CTC received - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Provide Loan approval - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Loan Approval/CTC received - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXX XXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9797035 | N/A | N/A | |||
| XXXX | XXXX | 10356613 | Closed | 2026-06-22 14:36 | 2026-06-24 10:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lock provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Rat lock missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Lock provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXX X XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9871986 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10356570 | Closed | 2026-06-22 13:57 | 2026-07-07 10:10 | Acknowledged | 2 - Non-Material | C | B | Compliance | Mavent | XXXX Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Acknowledged-Although this fee appears to violate the XX Prohibited Fees Statute, it does not present liability to assignees, nor does it affect the validity or enforceability of the mortgage loan. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Section X:X-XX.X of the XXX XXXX Mortgage Loans, Fees, Obligations Provisions (X.X.X.X. X:X-XX.X) does not allow Document Preparation Fee (Fee ID: XXX) to be charged to the Borrower in XX. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Although this fee appears to violate the XX Prohibited Fees Statute, it does not present liability to assignees, nor does it affect the validity or enforceability of the mortgage loan. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9870457 | Originator Post-Close | No | ||||
| XXXX | XXXX | XXXX | 10356570 | Closed | 2026-06-22 14:05 | 2026-06-22 14:08 | Acknowledged | B | A | Compliance | Mavent | XXXX Fee Not Allowed- Appraisal Review Fee (Fee ID: 96) | Acknowledged-Section X:X-XX.X of the XXX XXXX Mortgage Loans, Fees, Obligations Provisions (X.X.X.X. X:X-XX.X) does not allow Appraisal Review Fee (Fee ID: XX) to be charged to the Borrower in XX. Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Acknowledged-Section X:X-XX.X of the XXX XXXX Mortgage Loans, Fees, Obligations Provisions (X.X.X.X. X:X-XX.X) does not allow Appraisal Review Fee (Fee ID: XX) to be charged to the Borrower in XX. Although this fee appears to violate the Prohibited Fees Statute, the XX Residential Mortgage Lending Act it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9870833 | Originator Pre-Close | No | |||||
| XXXX | XXXX | 10356531 | Closed | 2026-06-17 05:08 | 2026-06-26 12:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Calculation Worksheet provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet / Income Calculator is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Lender Income Calculation Worksheet provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXX XXXXXX.XXX XXXXX_XXXXXX-XXXXXXX_XXXXXX XXXXX.XXX |
XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9785096 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10356497 | Closed | 2026-06-18 12:08 | 2026-06-29 05:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Conditional loan approval provided, resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Missing condition UW approval. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Conditional loan approval provided, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXXX XXXXXX.XXX | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 9822145 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10356609 | Closed | 2026-06-18 05:46 | 2026-06-26 15:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Insurance reflects XXXX bill. Added monthly Insurance and taxes to mortgage payment Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached to clear X-XX-XX - Seller-XX/XX/XXXX Open-Evidence of whether escrows are included in mortgage payment missing. Additionally, evidence of insurance premium for REO missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-See attached to clear X-XX-XX - Seller-XX/XX/XXXX |
Resolved-Insurance reflects XXXX bill. Added monthly Insurance and taxes to mortgage payment Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_X&X XXXXXXXXX XXX-XXXXX.XXX XXXXX_XXXXXX-XXXXXXX_X&X XXXXXXXXX XXX XXXXXX-XXXXX.XXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 9812495 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10356609 | Closed | 2026-06-23 11:48 | 2026-06-26 14:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Demographic section of XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached to clear X-XX-XX - Seller-XX/XX/XXXX Open-Final XXXX/Demographics reflects Borrower Sex as XXXX which does not match ID which reflects XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-See attached to clear X-XX-XX - Seller-XX/XX/XXXX |
Resolved-Updated Demographic section of XXXX provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXXX X-XXXXX XXXX-XXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9891858 | N/A | N/A | ||
| XXXX | XXXX | XXXX | 10356609 | Closed | 2026-06-18 01:48 | 2026-06-26 14:46 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Commitment provided with sufficient coverage. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-See attached to clear X-XX-XX - Seller-XX/XX/XXXX Open-Title Coverage Amount of $XXXXXX.XX is Less than Loan Amount Title Coverage Policy Amount of $XXXXXX.XX is Less than Loan Amount of $XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-See attached to clear X-XX-XX - Seller-XX/XX/XXXX |
Resolved-Updated Commitment provided with sufficient coverage. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXX XXXXXXX-XXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 9809844 | N/A | N/A | ||
| XXXX | XXXX | 10356549 | Closed | 2026-06-23 13:30 | 2026-06-26 15:21 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX Waived- - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Counter-Executed Exception with compensating factors missing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-this was an approved exception - Seller-XX/XX/XXXX Open-Payment Shock of XXX% exceeds allowable XXX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX Ready for Review-this was an approved exception - Seller-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXXXXXXXX XXXXXXXX.XXX | XXX Representative credit score exceeds the minimum required of XXX by XX points |
XXXX | Primary Residence | Purchase | NA | 9894442 | Investor Post-Close | No | ||
| XXXX | XXXX | 10356549 | Closed | 2026-06-23 12:55 | 2026-06-25 10:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Loan Approval missing from file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Loan Approval provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9893429 | N/A | N/A | |||
| XXXX | XXXX | 10356549 | Closed | 2026-06-22 05:26 | 2026-06-25 02:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-Rate Lock provided does not reflect actual rat lock date. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXXX XXXX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9853837 | N/A | N/A | |||
| XXXX | XXXX | 10356549 | Closed | 2026-06-22 02:12 | 2026-06-24 23:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. XXXX document missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-XXXX Document uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 9852951 | N/A | N/A | |||
| XXXX | XXXX | XXXX | 10356593 | Closed | 2026-06-23 05:19 | 2026-06-29 06:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Provide Initial CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review- - Seller-XX/XX/XXXX |
Resolved-Initial Closing Disclosure uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXXXX-XXXXXXX_XXXXXXX XXXXXXXXXX - XXXXXXX (X).XXX | XXXX | Second Home | Refinance | Cash Out - Other | 9883051 | N/A | N/A | ||
| XXXX | XXXX | 10333407 | Closed | 2026-07-28 02:50 | 2026-08-05 01:12 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing history verified for XX months from uploaded property report and credit report, Housing History Meets XXXXXXXXX Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Housing History is verified only X months from credit report months reviewed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Housing history verified for XX months from uploaded property report and credit report, Housing History Meets XXXXXXXXX Requirements, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXX XXXXXXXX XXXXXXX.XXX XXXXXXXXXX XXXX XXXXXX XXXXXX.XXX |
XXXX | Primary Residence | Purchase | NA | 10482923 | N/A | N/A | |||
| XXXX | XXXX | 10333407 | Closed | 2026-07-28 02:04 | 2026-07-31 04:59 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Final CD Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Final CD Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10482568 | N/A | N/A | |||
| XXXX | XXXX | 10399658 | Closed | 2026-08-03 03:07 | 2026-08-13 16:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial XXXX was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Initial XXXX is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial XXXX was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXX - XXXXXXX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10586547 | N/A | N/A | |||
| XXXX | XXXX | 10399658 | Closed | 2026-08-03 03:08 | 2026-08-13 16:02 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Evidence of receipt was provided. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Homeownership Counseling Disclosure is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of receipt was provided. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX - XXXXX XXXXXXXXXXXXX XXXXXXXXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10586558 | N/A | N/A | |||
| XXXX | XXXX | 10365380 | Closed | 2026-08-04 08:15 | 2026-08-11 02:26 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Updated Final XXXX with corrected income uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The Final XXXX is Missing Final XXXX income $XX,XXX.XX not matching with XXXX income of $XX,XXX , provide the updated final XXXX with income of $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated Final XXXX with corrected income uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX X'XXXXX XXXXX XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10613896 | N/A | N/A | |||
| XXXX | XXXX | 10399635 | Closed | 2026-08-05 05:23 | 2026-08-20 08:05 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Discount Points increased from $X on the CD dated X/XX/XXXX to $XXX.XX on the Final CD dated X/XX/XXXX. There was no COC provided for this increase. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-COC provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XX XXX.XXX XXXXXXXXXX XX XXX.XXX |
XXXX | Primary Residence | Purchase | NA | 10632628 | N/A | N/A | |||
| XXXX | XXXX | 10399635 | Closed | 2026-08-05 05:23 | 2026-08-20 08:03 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC was provided. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credits decreased from $XXX.XX on the CD dated X/XX/XXXX to $X.XX on the Final CD dated X/XX/XXXX. There was no COC provided for this decrease. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-COC was provided. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XX XXX.XXX | XXXX | Primary Residence | Purchase | NA | 10632625 | N/A | N/A | |||
| XXXX | XXXX | 10399635 | Closed | 2026-08-05 05:23 | 2026-08-20 08:00 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (XXXX)(First Lien 06/13)(Conforming) | Resolved-The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the XXXX test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a XXXX, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy XXXXs even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan meets XXXX XXXXXXXXXX and is a Compliant XXXX loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the XXXX test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a XXXX, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy XXXXs even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10632626 | N/A | N/A | |||||
| XXXX | XXXX | 10399828 | Closed | 2026-08-11 00:58 | 2026-08-18 04:53 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Ethnicity Selection is Not Provided | Resolved-Requested Updated XXXX Provided for Ethnicity selections, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Ethnicity Selection is Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX Open-Borrower X Ethnicity Selection is Not Provided Borrower Demographic information is incomplete. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. XXXX - Seller-XX/XX/XXXX |
Resolved-Requested Updated XXXX Provided for Ethnicity selections, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Ethnicity Selection is Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX_XXXX.XXX | XXXX | Primary Residence | Purchase | NA | 10728307 | N/A | N/A | |||
| XXXX | XXXX | 10333371 | Closed | 2026-08-12 05:54 | 2026-08-19 08:34 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements. | Waived-Exception is for the DTI being above XX% - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Benefit Amount: XXXX.XX Nontaxable Amount: XXXX.XX x XX% = XXX.XX Gross Up: XXX.XX x XX% = XX.XX round up to XX Qualifying income: XXXX.XX + XX = XXXX.XX - Seller-XX/XX/XXXX Counter-Need calculation used for XXXX income in the amount of X,XXX.XX from the award letter in file on page XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Exception - Seller-XX/XX/XXXX Open-Audited DTI of XX.XX% exceeds XXXXXXXXX DTI of XX% Audited DTI of XX.XX% Which exceeds XXXXXXXXX DTI of XX%, an exception is required because the current guideline does not provide instructions for a DTI Above XX% (for alt doc ). Based on matrix must be full doc X months of reserves XX% max LTV and XXX fico Also for XXXX have it at X,XXX based on doc in file and DTI is at XX.XX for front and back end - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Benefit Amount: XXXX.XX Nontaxable Amount: XXXX.XX x XX% = XXX.XX Gross Up: XXX.XX x XX% = XX.XX round up to XX Qualifying income: XXXX.XX + XX = XXXX.XX - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. Exception - Seller-XX/XX/XXXX |
Waived-Exception is for the DTI being above XX% - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXX_XXXXXXXXX.XXX | XX.XX% LTV is below the maximum XX% LTV by XX.XX%. XxXX mortgage history for XX months. Borrower has lived in subject property XX years. |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10757901 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 10333371 | Closed | 2026-08-12 06:38 | 2026-08-13 09:13 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (XXXX)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the XXXX test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a XXXX, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy XXXXs even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’XXX and the Final Closing disclosure on Pg#’XXX, . Rate lock date was entered correctly – see Pg#’XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX , and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX-XXX, This loan is XXXX compliant and meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the XXXX test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a XXXX, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy XXXXs even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’XXX and the Final Closing disclosure on Pg#’XXX, . Rate lock date was entered correctly – see Pg#’XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX , and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX-XXX, This loan is XXXX compliant and meets XXXX guidelines. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10758720 | N/A | N/A | |||||
| XXXX | XXXX | 10333371 | Closed | 2026-08-12 06:38 | 2026-08-13 09:12 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXX XXXX (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXXX Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the XXXX test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a XXXX, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy XXXXs even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’XXX and the Final Closing disclosure on Pg#’XXX, . Rate lock date was entered correctly – see Pg#’XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX , and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX-XXX, This loan meets XXXX guidelines and is XXXX compliant - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This is a XXXX XXXX (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXXX Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the XXXX test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a XXXX, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy XXXXs even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’XXX and the Final Closing disclosure on Pg#’XXX, . Rate lock date was entered correctly – see Pg#’XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX , and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX-XXX, This loan meets XXXX guidelines and is XXXX compliant - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 10758722 | N/A | N/A | |||||
| XXXX | XXXX | 10399870 | Closed | 2026-08-12 05:15 | 2026-08-18 11:06 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-i - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXX XXXX (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXXX Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the XXXX test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a XXXX, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy XXXXs even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page N/A. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-i - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXX XXXX (XXXX). The loan's APR of (X.XXX%) equals or exceeds the XXXX XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXXX Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the XXXX test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a XXXX, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy XXXXs even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page N/A. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10755672 | N/A | N/A | |||||
| XXXX | XXXX | 10399870 | Closed | 2026-08-12 05:15 | 2026-08-18 11:06 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (XXXX)(First Lien 06/13)(Conforming) | Resolved-i - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the XXXX test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a XXXX, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy XXXXs even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page N/A. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-i - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the XXXX test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a XXXX, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy XXXXs even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX and the Final Closing disclosure on page XXX reflects escrows. Rate lock date was entered correctly – see page N/A. An interior and exterior appraisal was completed for this property – see page XX, the appraisal disclosure was provided to the borrower(s)- see page XX and copy of the appraisal was given to the borrower – see page XXX. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 10755670 | N/A | N/A | |||||
| XXXX | XXXX | 10399714 | Closed | 2026-08-26 02:26 | 2026-09-02 15:39 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC X-XX. Loan amount increased. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Doc Tax Stamps/Transfer Taxes – City/County increased from Revised LE($XXX) to Initial CD($XXX.XX) but COC not available for the same. Provide COC for Doc Tax Stamps/Transfer Taxes – City/County increase. Also Broker Fees increased from Revised LE($XX,XXX) to Initial CD($XX,XXX.XX) but COC not available for the same. Provide COC for Broker Fees increase. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC X-XX. Loan amount increased. - Seller-XX/XX/XXXX |
Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXX_XXX X-XX.XXX | XXXX | Primary Residence | Purchase | NA | 11027822 | N/A | N/A | |||
| XXXX | XXXX | 10399714 | Closed | 2026-08-26 02:26 | 2026-09-02 15:38 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. COC X-XX - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credits decreased from Initial CD($X,XXX.XX) to Final CD($X,XXX.XX) but COC not available for the same. Provide COC for Lender Credits decrease. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. COC X-XX - Seller-XX/XX/XXXX |
Resolved-Document provided and entered. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXX_XXX X-XX.XXX | XXXX | Primary Residence | Purchase | NA | 11027819 | N/A | N/A | |||
| XXXX | XXXX | 10399714 | Closed | 2026-08-27 16:32 | 2026-08-31 10:21 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Attached document page X shows Policy period is X/XX/XX-X/XX/XX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Hi, where are you seeing X/X? It's X/XX - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date is after the Note Date Hazard policy is effective X/X/XX which is after disbursement date. provide Hazard policy effective prior to disbursement - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Hi, where are you seeing X/X? It's X/XX - Seller-XX/XX/XXXX |
Resolved-Attached document page X shows Policy period is X/XX/XX-X/XX/XX - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXX_XXX.XXX | XXXX | Primary Residence | Purchase | NA | 11074899 | N/A | N/A | |||
| XXXX | XXXX | 10399714 | Closed | 2026-08-26 02:26 | 2026-08-28 14:19 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (XXXX)(First Lien 06/13)(Conforming) | Resolved-The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the XXXX test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a XXXX, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy XXXXs even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’sXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the XXXX test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a XXXX, as defined in Regulation Z. While the XXXX provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy XXXXs even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’sXXX and the Final Closing disclosure on Pg#’sXXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’sXXX, XXX. An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’sXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’sXXX. The loan meets XXXX guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Purchase | NA | 11027820 | N/A | N/A | |||||
| XXXX | XXXX | 10399942 | Closed | 2026-09-08 10:00 | 2026-09-08 10:39 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXX | Primary Residence | Refinance | Cash Out - Other | 11246852 | N/A | N/A | |||||
| XXXX | XXXX | 10399942 | Closed | 2026-09-01 09:54 | 2026-09-08 10:01 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Ready for Review-Document Uploaded. $XX refund - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. $XX refund - Seller-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXXX_XXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 11141187 | N/A | N/A | ||||
| XXXX | XXXX | 10399942 | Closed | 2026-09-01 09:54 | 2026-09-08 10:01 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Ready for Review-Document Uploaded. $XX refund - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. $XX refund - Seller-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXXX_XXXXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 11141188 | N/A | N/A | ||||
| XXXX | XXXX | 10399942 | Closed | 2026-08-28 03:30 | 2026-09-01 09:55 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Loan did not disbursed until X/XX - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) Right to cancel expiry date is on same day of the disbursement date, require PCCD or right to cancel expiry date one day before disbursement date. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Loan did not disbursed until X/XX - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX_XXXXXXXXX_XXXX.XXX | XXXX | Primary Residence | Refinance | Cash Out - Other | 11081761 | N/A | N/A | |||
| XXXX | XXXX | 10431432 | Closed | 2026-09-14 12:14 | 2026-09-15 08:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Final HUD-X Document is Missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXX XXXXX XXX.XXX | XXXX | Investment | Purchase | 11362315 | N/A | N/A |