Hildene-CCC Depositor II, LLC ABS-15G
Exhibit 99.3 - Schedule 3
| Seller | Loan ID | Redacted ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | 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? |
| xxx | xxx | HILD2026NQM1-126 | Closed | 2026-07-23 05:11 | 2026-07-24 10:21 | Resolved | 1 - Information | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 07/24/2026: Received Initial Closing Disclosure xxx. Exception has been cleared. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Seller-07/23/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/23/2026 |
Ready for Review-Document Uploaded. - Seller-07/23/2026 |
Resolved-Resolved 07/24/2026: Received Initial Closing Disclosure xxx. Exception has been cleared. - Due Diligence Vendor-07/24/2026 |
xxx | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.21 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-127 | Closed | 2026-07-23 02:11 | 2026-07-24 10:09 | Resolved | 1 - Information | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 07/24/2026: Received Initial Closing Disclosure xxx. Exception has been cleared. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Seller-07/23/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/23/2026 |
Ready for Review-Document Uploaded. - Seller-07/23/2026 |
Resolved-Resolved 07/24/2026: Received Initial Closing Disclosure xxx. Exception has been cleared. - Due Diligence Vendor-07/24/2026 |
xxx | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 122.06 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.17 Years |
xxx | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-128 | Closed | 2026-07-23 13:16 | 2026-07-24 15:23 | Resolved | 1 - Information | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-07/24/2026: Resolved. Received a copy of the note and 1st payment letter. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. Loan just closed, attached is 1st payment letter and copy of Note. Please review and clear condition. - Seller-07/23/2026 Open-Provide mortgage statement for the property "xxx" for xxx - Due Diligence Vendor-07/23/2026 |
Ready for Review-Document Uploaded. Loan just closed, attached is 1st payment letter and copy of Note. Please review and clear condition. - Seller-07/23/2026 |
Resolved-07/24/2026: Resolved. Received a copy of the note and 1st payment letter. - Due Diligence Vendor-07/24/2026 |
xxx | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.54 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 40.55 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-129 | Closed | 2026-07-22 11:44 | 2026-07-24 15:16 | Resolved | 1 - Information | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-07/24/2026: Resolved. Received bank statements - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. Sorry about that! Here you go :) - Seller-07/24/2026 Counter-07/23/2026: Countered. Only received xxx bank statement . Need xxx, xxx, xxx, xxx, xxx, xxx, xxx, xxx, xxx - Due Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. - Seller-07/23/2026 Open-Provide the missing bank statements for Account xxx covering the period from xxx through xxx. These statements are required to verify qualifying income. - Due Diligence Vendor-07/22/2026 |
Ready for Review-Document Uploaded. Sorry about that! Here you go :) - Seller-07/24/2026 Ready for Review-Document Uploaded. - Seller-07/23/2026 |
Resolved-07/24/2026: Resolved. Received bank statements - Due Diligence Vendor-07/24/2026 |
xxx | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.40 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.08 Years |
xxx | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-129 | Closed | 2026-07-22 07:17 | 2026-07-23 12:51 | Resolved | 1 - Information | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Resolved 07/23/2026: Received Initial Closing Disclosure xxx with COC. The TRID Rate Lock Disclosure Delivery Date test exception has been cleared. - Due Diligence Vendor-07/23/2026 Resolved- - Due Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. - Seller-07/23/2026 Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx, xxx and xxx. As per the Rate Lock Confirmation, the lock date is reflected as xxx. However, the RLE/ICD disclosures were not provided within three business days of the lock date. - Due Diligence Vendor-07/22/2026 Open- - Due Diligence Vendor-07/22/2026 Open- - Due Diligence Vendor-07/22/2026 |
Ready for Review-Document Uploaded. - Seller-07/23/2026 |
Resolved-Resolved 07/23/2026: Received Initial Closing Disclosure xxx with COC. The TRID Rate Lock Disclosure Delivery Date test exception has been cleared. - Due Diligence Vendor-07/23/2026 Resolved- - Due Diligence Vendor-07/23/2026 |
xxx | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.40 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.08 Years |
xxx | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-129 | Closed | 2026-07-22 07:19 | 2026-07-23 12:49 | Resolved | 1 - Information | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 07/23/2026: Received Initial Closing Disclosure xxx with COC. Exception has been cleared. - Due Diligence Vendor-07/23/2026 Ready for Review-Uploaded in other condition - Seller-07/23/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/22/2026 |
Ready for Review-Uploaded in other condition - Seller-07/23/2026 |
Resolved-Resolved 07/23/2026: Received Initial Closing Disclosure xxx with COC. Exception has been cleared. - Due Diligence Vendor-07/23/2026 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.40 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.08 Years |
xxx | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| xxx | xxx | HILD2026NQM1-132 | Closed | 2026-07-23 11:39 | 2026-07-23 11:39 | Waived | 2 - Non-Material | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines The lease for the subject property converted to a month-to-month (MTM) tenancy beginning in xxx. Therefore, it does not meet the requirement that leases be for a minimum term of twelve (12) months before converting to month-to-month upon expiration. - Due Diligence Vendor-07/23/2026 | Waived-Income and Employment Do Not Meet Guidelines The lease for the subject property converted to a month-to-month (MTM) tenancy beginning in xxx. Therefore, it does not meet the requirement that leases be for a minimum term of twelve (12) months before converting to month-to-month upon expiration. - Due Diligence Vendor-07/23/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 108.46 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 44.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 52.61% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
Refinance: Borrower has owned the subject property for more than five (5) years. DSCR score is greater than 1.00 (TBD). Loan-to-Value (LTV) is at least 10% below the maximum allowable limit. Ancillary/rental income was not used for qualification. FICO score exceeds the minimum requirement by 20 or more points. 0x30x12+ mortgage payment history (no 30-day late payments in the past 12+ months). Established credit history of 24 or more months. No adverse credit events or derogatory credit history. More than one (1) year of real estate investment experience. Reserves exceed the minimum required amount. Returning borrower with previous loans successfully closed through xxx. |
xxx | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||||
| xxx | xxx | HILD2026NQM1-133 | Closed | 2026-07-24 10:28 | 2026-07-24 14:23 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved 07/24/2026: Title fees are updated according to Post Closing document. Exception has been cleared. - Due Diligence Vendor-07/24/2026 Resolved- - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Seller-07/24/2026 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% (xxx) exceed the comparable charges (xxx) 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). - Due Diligence Vendor-07/24/2026 |
Ready for Review-Document Uploaded. - Seller-07/24/2026 |
Resolved-Resolved 07/24/2026: Title fees are updated according to Post Closing document. Exception has been cleared. - Due Diligence Vendor-07/24/2026 |
xxx | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.6% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 153.03 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.50 Years |
xxx | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-133 | Closed | 2026-07-22 05:39 | 2026-07-24 14:21 | Resolved | 1 - Information | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 07/24/2026: Received Initial Closing Disclosure xxx with COC. Exception has been cleared. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Seller-07/23/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/22/2026 |
Ready for Review-Document Uploaded. - Seller-07/23/2026 |
Resolved-Resolved 07/24/2026: Received Initial Closing Disclosure xxx with COC. Exception has been cleared. - Due Diligence Vendor-07/24/2026 |
xxx | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 69.6% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 153.03 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.50 Years |
xxx | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-134 | Closed | 2026-07-23 19:06 | 2026-07-30 10:04 | Resolved | 1 - Information | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-07/30/2026: Resolved. Received updated HOI - Due Diligence Vendor-07/30/2026 Ready for Review-Document Uploaded. - Seller-07/29/2026 Open-Named Insured does not match Borrower(s) Name(s) Named Insured does not match Borrower(s) Name(s) :xxx,xxx - Due Diligence Vendor-07/23/2026 |
Ready for Review-Document Uploaded. - Seller-07/29/2026 |
Resolved-07/30/2026: Resolved. Received updated HOI - Due Diligence Vendor-07/30/2026 |
xxx | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-134 | Closed | 2026-07-22 07:11 | 2026-07-24 15:35 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HCLTV of 80% exceeds Guideline HCLTV of 70% - Due Diligence Vendor-07/24/2026 Ready for Review-This is a purchase and can go to 80 the 70 restriction is for C/O - Seller-07/23/2026 Open-Audited HCLTV of 80% exceeds Guideline HCLTV of 70% - Due Diligence Vendor-07/22/2026 |
Ready for Review-This is a purchase and can go to 80 the 70 restriction is for C/O - Seller-07/23/2026 |
Resolved-Audited HCLTV of 80% exceeds Guideline HCLTV of 70% - Due Diligence Vendor-07/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| xxx | xxx | HILD2026NQM1-134 | Closed | 2026-07-22 07:11 | 2026-07-24 15:35 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of 80% exceeds Guideline LTV of 70% - Due Diligence Vendor-07/24/2026 Ready for Review-This is a purchase and can go to 80 the 70 restriction is for C/O - Seller-07/23/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 70% - Due Diligence Vendor-07/22/2026 |
Ready for Review-This is a purchase and can go to 80 the 70 restriction is for C/O - Seller-07/23/2026 |
Resolved-Audited LTV of 80% exceeds Guideline LTV of 70% - Due Diligence Vendor-07/24/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| xxx | xxx | HILD2026NQM1-134 | Closed | 2026-07-22 07:11 | 2026-07-24 15:32 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-07/24/2026: Resolved. xxx guidelines allow to 80% - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. This is a purchase and can go to 80 the 70 restriction is for C/O - Seller-07/23/2026 Open-Audited CLTV of 80% exceeds Guideline CLTV of 70% - Due Diligence Vendor-07/22/2026 |
Ready for Review-Document Uploaded. This is a purchase and can go to 80 the 70 restriction is for C/O - Seller-07/23/2026 |
Resolved-07/24/2026: Resolved. xxx guidelines allow to 80% - Due Diligence Vendor-07/24/2026 |
xxx | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.21 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | xxx | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-136 | Closed | 2026-07-23 02:39 | 2026-07-24 09:53 | Resolved | 1 - Information | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 07/24/2026: Received Initial Closing Disclosure xxx with COC. Exception has been cleared. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Seller-07/23/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/23/2026 |
Ready for Review-Document Uploaded. - Seller-07/23/2026 |
Resolved-Resolved 07/24/2026: Received Initial Closing Disclosure xxx with COC. Exception has been cleared. - Due Diligence Vendor-07/24/2026 |
xxx | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Verified Calculated DTI Of 26.79% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Verified Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.42 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Verified Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-138 | Closed | 2026-07-22 05:53 | 2026-07-31 09:56 | Resolved | 1 - Information | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Resolved 07/31/2026: Received ALTA Borrower's Settlement Statement. Exception has been cleared. - Due Diligence Vendor-07/31/2026 Ready for Review-Document Uploaded. - Seller-07/30/2026 Open-Final CD or settlement statement missing in the file. Please provide the same. - Due Diligence Vendor-07/22/2026 |
Ready for Review-Document Uploaded. - Seller-07/30/2026 |
Resolved-Resolved 07/31/2026: Received ALTA Borrower's Settlement Statement. Exception has been cleared. - Due Diligence Vendor-07/31/2026 |
xxx | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.06 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.22 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 38.21% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |
xxx | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-139 | Closed | 2026-07-27 02:46 | 2026-07-29 12:21 | Resolved | 1 - Information | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-07/29/2026: Resolved. Received updated 1003 - Due Diligence Vendor-07/29/2026 Ready for Review-Document Uploaded. - Seller-07/27/2026 Open-The Final 1003 is Incomplete As the provided SSA Award Letter and Form 1008 reflect SSI income under the Co-Borrower's Other Income, please provide an updated Post-1003 reflecting the Co-Borrower's SSA income under the Other Income section. - Due Diligence Vendor-07/27/2026 |
Ready for Review-Document Uploaded. - Seller-07/27/2026 |
Resolved-07/29/2026: Resolved. Received updated 1003 - Due Diligence Vendor-07/29/2026 |
xxx | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.39 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 136.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.39 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-139 | Closed | 2026-07-27 05:39 | 2026-07-28 13:27 | Resolved | 1 - Information | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 07/28/2026 - Received post Closing Disclosure dated xxx exception is cleared. - Due Diligence Vendor-07/28/2026 Resolved- - Due Diligence Vendor-07/28/2026 Ready for Review-Document Uploaded. - Seller-07/28/2026 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. As per the DOT and FCD closing date is xxx and disbursement date is xxx. - Due Diligence Vendor-07/27/2026 Open- - Due Diligence Vendor-07/27/2026 Open- - Due Diligence Vendor-07/27/2026 |
Ready for Review-Document Uploaded. - Seller-07/28/2026 |
Resolved-Resolved 07/28/2026 - Received post Closing Disclosure dated xxx exception is cleared. - Due Diligence Vendor-07/28/2026 Resolved- - Due Diligence Vendor-07/28/2026 |
xxx | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.39 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 136.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.39 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-139 | Closed | 2026-07-27 05:41 | 2026-07-28 09:53 | Resolved | 1 - Information | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved- - Due Diligence Vendor-07/28/2026 Ready for Review-Resolved 07/28/2026: Received Initial Closing Disclosure xxx. Exception has been cleared. - Due Diligence Vendor-07/28/2026 Ready for Review-Document Uploaded. - Seller-07/27/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/27/2026 |
Ready for Review-Document Uploaded. - Seller-07/27/2026 |
xxx | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.39 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 136.57 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 53.49% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.39 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |
xxx | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| xxx | xxx | HILD2026NQM1-140 | Closed | 2026-07-27 06:09 | 2026-07-28 09:26 | Resolved | 1 - Information | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 07/28/2026: Received Initial Closing Disclosure xxx. Exception has been cleared. - Due Diligence Vendor-07/28/2026 Ready for Review-Document Uploaded. - Seller-07/27/2026 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/27/2026 |
Ready for Review-Document Uploaded. - Seller-07/27/2026 |
Resolved-Resolved 07/28/2026: Received Initial Closing Disclosure xxx. Exception has been cleared. - Due Diligence Vendor-07/28/2026 |
xxx | Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 34.66% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.02 Are Greater Than The Guideline Minimum Of 5 By Six (6) Or More Months |
xxx | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-140 | Closed | 2026-07-27 09:19 | 2026-07-27 09:20 | Waived | 2 - Non-Material | Property | Appraisal | Property/Appraisal General | Waived-Subject property is xxx with xxx and xxx. - Due Diligence Vendor-07/27/2026 | Waived-Subject property is xxx with xxx and xxx - Due Diligence Vendor-07/27/2026 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of 34.66% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.02 Are Greater Than The Guideline Minimum Of 5 By Six (6) Or More Months |
1) LTV-34.651 2) Housing-16 years in home 3) 0X30X24-Current mortgage on primary |
xxx | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||||
| xxx | xxx | HILD2026NQM1-141 | Closed | 2026-07-29 09:34 | 2026-07-29 09:34 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception requested for LTV to 75% with Max allowed 70%. Loan amount xxx - Due Diligence Vendor-07/29/2026 | Waived-Audited LTV of 75% exceeds Guideline LTV of 70% Exception requested for LTV to 75% with Max allowed 70%. Loan amount xxx - Due Diligence Vendor-07/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 518.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
1) DSCR 1.4 with minimum 1.00 2) Over 12 mos reserves with 6 required 3) Experienced investor with 6 verified properties and all mortgages paid as agreed 0x30 |
xxx | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||||
| xxx | xxx | HILD2026NQM1-141 | Closed | 2026-07-29 09:34 | 2026-07-29 09:34 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Exception requested for LTV to 75% with Max allowed 70%. Loan amount xxx. - Due Diligence Vendor-07/29/2026 | Waived-Audited CLTV of 75% exceeds Guideline CLTV of 70% Exception requested for LTV to 75% with Max allowed 70%. Loan amount xxx. - Due Diligence Vendor-07/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 518.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
1) DSCR 1.4 with minimum 1.00 2) Over 12 mos reserves with 6 required 3) Experienced investor with 6 verified properties and all mortgages paid as agreed 0x30 |
xxx | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||||
| xxx | xxx | HILD2026NQM1-141 | Closed | 2026-07-29 09:34 | 2026-07-29 09:34 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of 75% exceeds Guideline HCLTV of 70% Exception requested for LTV to 75% with Max allowed 70%. Loan amount xxx. - Due Diligence Vendor-07/29/2026 | Waived-Audited HCLTV of 75% exceeds Guideline HCLTV of 70% Exception requested for LTV to 75% with Max allowed 70%. Loan amount xxx. - Due Diligence Vendor-07/29/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 518.32 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
1) DSCR 1.4 with minimum 1.00 2) Over 12 mos reserves with 6 required 3) Experienced investor with 6 verified properties and all mortgages paid as agreed 0x30 |
xxx | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||||
| xxx | xxx | HILD2026NQM1-142 | Closed | 2026-07-30 08:46 | 2026-07-30 08:46 | Waived | 2 - Non-Material | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Exception required due to 1099 income being paid and received into borrower's business (xxx). Per policy (Section 6.5) 1099 income needs to be paid directly to borrower and not business - Due Diligence Vendor-07/30/2026 | Waived-Income and Employment Do Not Meet Guidelines Exception required due to 1099 income being paid and received into borrower's business (xxx). Per policy (Section 6.5) 1099 income needs to be paid directly to borrower and not business - Due Diligence Vendor-07/30/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.06% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.16 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
CLTV-62.217% DTI-28.727% |
xxx | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| xxx | xxx | HILD2026NQM1-142 | Closed | 2026-07-30 08:43 | 2026-07-30 08:45 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of is less than the Guideline Minimum Loan Amount of xxx Exception required due to minimum loan amount per loan program is xxx - Due Diligence Vendor-07/30/2026 | Waived-Audited Loan Amount of is less than the Guideline Minimum Loan Amount of xxx Exception required due to minimum loan amount per loan program is xxx - Due Diligence Vendor-07/30/2026 |
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.06% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.15 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.16 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 |
CLTV-62.217% DTI-28.727% |
xxx | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| xxx | xxx | HILD2026NQM1-143 | Closed | 2026-07-29 09:55 | 2026-08-04 10:06 | Resolved | 1 - Information | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-08/04/2026: Resolved. Received VVOE - Due Diligence Vendor-08/04/2026 Ready for Review-Document Uploaded. - Seller-08/03/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Please provide a VOE dated within 10 business days prior to the Note date to comply with the guideline requirements. - Due Diligence Vendor-07/29/2026 |
Ready for Review-Document Uploaded. - Seller-08/03/2026 |
Resolved-08/04/2026: Resolved. Received VVOE - Due Diligence Vendor-08/04/2026 |
xxx | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.56 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.56 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years |
xxx | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-144 | Closed | 2026-07-31 05:00 | 2026-07-31 05:00 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 90% exceeds Guideline LTV of 85% Exception requested to allow a 90% LTV on the bank statement purchase loan in accordance with xxx guidelines. - Due Diligence Vendor-07/31/2026 | Waived-Audited LTV of 90% exceeds Guideline LTV of 85% Exception requested to allow a 90% LTV on the bank statement purchase loan in accordance with xxx guidelines. - Due Diligence Vendor-07/31/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.59 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.59 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.68 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.58 Years |
The borrower has a xxx credit score, xxx in residual assets, and 25 years of self-employment history. | xxx | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| xxx | xxx | HILD2026NQM1-144 | Closed | 2026-07-31 05:00 | 2026-07-31 05:00 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 90% exceeds Guideline CLTV of 85% Exception requested to allow a 90% LTV on the bank statement purchase loan in accordance with xxx guidelines. - Due Diligence Vendor-07/31/2026 | Waived-Audited CLTV of 90% exceeds Guideline CLTV of 85% Exception requested to allow a 90% LTV on the bank statement purchase loan in accordance with xxx guidelines. - Due Diligence Vendor-07/31/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.59 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.59 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.68 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.58 Years |
The borrower has a xxx credit score, xxx in residual assets, and 25 years of self-employment history. | xxx | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| xxx | xxx | HILD2026NQM1-144 | Closed | 2026-07-31 05:00 | 2026-07-31 05:00 | Waived | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of 90% exceeds Guideline HCLTV of 85% Exception requested to allow a 90% LTV on the bank statement purchase loan in accordance with xxx guidelines. - Due Diligence Vendor-07/31/2026 | Waived-Audited HCLTV of 90% exceeds Guideline HCLTV of 85% Exception requested to allow a 90% LTV on the bank statement purchase loan in accordance with xxx guidelines. - Due Diligence Vendor-07/31/2026 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.59 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.59 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.68 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.58 Years |
The borrower has a xxx credit score, xxx in residual assets, and 25 years of self-employment history. | xxx | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| xxx | xxx | HILD2026NQM1-149 | Closed | 2026-08-05 07:33 | 2026-08-06 09:44 | Resolved | 1 - Information | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-08/06/2026: Resolved. Received xxx with expiration of xxx - Due Diligence Vendor-08/06/2026 Ready for Review-Document Uploaded. - Seller-08/05/2026 Open-As the borrower is a Non-Permanent Resident Alien, the guidelines require documentation of an acceptable visa and/or a valid EAD card. - Due Diligence Vendor-08/05/2026 |
Ready for Review-Document Uploaded. - Seller-08/05/2026 |
Resolved-08/06/2026: Resolved. Received Visa with expiration of xxx - Due Diligence Vendor-08/06/2026 |
xxx | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 90.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |
xxx | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-151 | Closed | 2026-08-05 10:21 | 2026-08-06 09:39 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation Missing | Resolved-08/06/2026: Resolved. Received xxx statement - Due Diligence Vendor-08/06/2026 Ready for Review-Document Uploaded. - Seller-08/05/2026 Open-Missing document for xxx account xxx payment of xxx- Due Diligence Vendor-08/05/2026 |
Ready for Review-Document Uploaded. - Seller-08/05/2026 |
Resolved-08/06/2026: Resolved. Received xxx statement - Due Diligence Vendor-08/06/2026 |
xxx | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.36 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-151 | Closed | 2026-08-05 06:34 | 2026-08-06 09:38 | Resolved | 1 - Information | Credit | Assets | Asset 1 Less Than 2 Months Verified | Resolved-08/06/2026: Resolved. Received xxx stating: The asset that was provided by WF is for Rents received, not assets - Due Diligence Vendor-08/06/2026 Ready for Review-The asset that was provided by xxx is for Rents received, not assets - Seller-08/05/2026 Open-Asset 1 Less Than 2 Months Verified As per guideline, The statements must cover account activity for the most recent 60 days - Due Diligence Vendor-08/05/2026 |
Ready for Review-The asset that was provided by xxx is for Rents received, not assets - Seller-08/05/2026 |
Resolved-08/06/2026: Resolved. Received loe stating: The asset that was provided by xxx is for Rents received, not assets - Due Diligence Vendor-08/06/2026 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.36 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| xxx | xxx | HILD2026NQM1-156 | Closed | 2026-08-14 07:19 | 2026-08-14 07:19 | Waived | 2 - Non-Material | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines There are 5 overdrafts with daily negative balances in the last 12 months, exceeding the maximum allowable 3 overdrafts. - Due Diligence Vendor-08/14/2026 | Waived-Income and Employment Do Not Meet Guidelines There are 5 overdrafts with daily negative balances in the last 12 months, exceeding the maximum allowable 3 overdrafts. - Due Diligence Vendor-08/14/2026 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.8 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |
Established business since XXXX. FICO score of xxx, exceeding the minimum required score of 700. 30 months of reserves, compared to the required 12 months. Stated income of xxx on the 1003, while the actual 12-month average based on the business account is xxx Residual income of approximately xxx |
xxx | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes | ||||
| xxx | xxx | HILD2026NQM1-158 | Closed | 2026-08-21 10:23 | 2026-08-26 15:50 | Resolved | 1 - Information | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Resolved – 08/26/2026: The HOI document and an email confirming that Coverage A (Dwelling) is at replacement cost up to the coverage limits based on the Replacement Cost Estimator have been received. - Due Diligence Vendor-08/26/2026 Ready for Review-Document Uploaded. See insurance attached and email from insurance agent stating that dwelling is at replacement cost up the the coverage limits based on their RCE. It is prohibited by law to ask an insurance agent in the state of xxx for an RCE. They do not have to provide. Their email is a written statement that coverage is sufficient according to their RCE that they will not provide. Please clear condition. - Seller-08/25/2026 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of xxx - Due Diligence Vendor-08/21/2026 |
Ready for Review-Document Uploaded. See insurance attached and email from insurance agent stating that dwelling is at replacement cost up the the coverage limits based on their RCE. It is prohibited by law to ask an insurance agent in the state of xxx for an RCE. They do not have to provide. Their email is a written statement that coverage is sufficient according to their RCE that they will not provide. Please clear condition. - Seller-08/25/2026 |
Resolved-Resolved – 08/26/2026: The HOI document and an email confirming that Coverage A (Dwelling) is at replacement cost up to the coverage limits based on the Replacement Cost Estimator have been received. - Due Diligence Vendor-08/26/2026 |
xxx | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.19 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years |
xxx | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-160 | Closed | 2026-08-21 10:03 | 2026-08-24 05:09 | Waived | 2 - Non-Material | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Waived-Exception to Proceed with Non-Permanent Resident Alien/Foreign National With a xxx - Due Diligence Vendor-08/21/2026 | Waived-Exception to Proceed with Non-Permanent Resident Alien/Foreign National With a xxx - Due Diligence Vendor-08/21/2026 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 87.25 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
See xxx Scenario to proceed with xxx on Primary Residence utilizing 12-months bank statements for income qualification. Borrower currently lives in xxx, purchasing Primary Residence; xxx+ verified assets; DTI < 15% at Initial, 9 years experience as Professional Athlete, no lates payment on credit report | xxx | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| xxx | xxx | HILD2026NQM1-162 | Closed | 2026-08-26 09:21 | 2026-08-27 16:48 | Resolved | 1 - Information | Credit | Debt | No evidence of required debt payoff | Resolved-Resolved - 08/27/2026 - Payoff Documents is Received for the amount xxx. - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. The VOM shows mortgage is cross collateralized with another property we made loans on both properties to payoff mortgage. See attached Final Settlement Statements on both loans (subject and xxx) combined showing full payoff of loan. Please clear condition. - Seller-08/27/2026 Open-The payoff document is missing for the property located at xxx. The 1st lien private mortgage has an outstanding payoff amount of xxx. - Due Diligence Vendor-08/26/2026 |
Ready for Review-Document Uploaded. The VOM shows mortgage is cross collateralized with another property we made loans on both properties to payoff mortgage. See attached Final Settlement Statements on both loans (subject and 1xxx) combined showing full payoff of loan. Please clear condition. - Seller-08/27/2026 |
Resolved-Resolved - 08/27/2026 - Payoff Documents is Received for the amount xxx. - Due Diligence Vendor-08/27/2026 |
xxx | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.06% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Investment | Refinance | Limited Cash Out < 2% or less than $5000 | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-162 | Closed | 2026-08-26 09:19 | 2026-08-27 12:25 | Resolved | 1 - Information | Credit | Eligibility | Appraisal: Property Issues indicated | Resolved-Resolved-08/27/2026 — The 1004D document has been received. - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. - Seller-08/27/2026 Open-xxx Review As per state regulations, a double-strap installation is required for the water heater. - Due Diligence Vendor-08/26/2026 |
Ready for Review-Document Uploaded. - Seller-08/27/2026 |
Resolved-Resolved-08/27/2026 — The 1004D document has been received. - Due Diligence Vendor-08/27/2026 |
xxx | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.06% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx | Investment | Refinance | Limited Cash Out < 2% or less than $5000 | XXXX | N/A | N/A | |||
| xxx | xxx | HILD2026NQM1-164 | Closed | 2026-08-26 10:36 | 2026-08-27 14:53 | Resolved | 1 - Information | Compliance | TRID | TRID: Loan calculations discrepancy | Resolved-Resolved 8/27/2026 - Received Final Closing Disclosure 5th page loan calculation details and exception is cleared - Due Diligence Vendor-08/27/2026 Ready for Review-Document Uploaded. Please see Page 5 - Seller-08/27/2026 Open- - Due Diligence Vendor-08/26/2026 |
Ready for Review-Document Uploaded. Please see Page 5 - Seller-08/27/2026 |
Resolved-Resolved 8/27/2026 - Received Final Closing Disclosure 5th page loan calculation details and exception is cleared - Due Diligence Vendor-08/27/2026 |
xxx | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 80% Is Below The Guideline Maximum Of 90% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 5.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |
Final CD is available on page #212 however 5th page Loan calculation details are missing. | xxx | Primary Residence | Purchase | NA | XXXX | N/A | N/A |