Hildene-CCC Depositor II, LLC ABS-15G
Exhibit 99.6 - Schedule 3
| 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 | HILD2026NQM1-176 | Closed | 2026-05-04 08:59 | 2026-06-05 10:14 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | 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-Document Uploaded. - Seller-XX/XX/XXXX Open-Loan does not conform to program guidelines Vesting to Business Entity and the business purpose is not limited to ownership and management of real estate. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX Waived- - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXX.XXX | Loan file XXXX X.XXX. XX requirements minimum X.X. Loan file reserves XX.X. XX requirements minimum X. XXX Representative credit score exceeds the minimum required of XXX by XX points. Borrower Contribution XX%. XX requires XX% of sales price. |
NJ | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||
| XXXX | XXXX | HILD2026NQM1-176 | Closed | 2026-05-04 08:42 | 2026-06-05 10:14 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX Waived-Exception in file - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Guidelines require XX months housing history. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX Waived-Exception in file - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXX.XXX | Loan file XXXX X.XXX. XX requirements minimum X.X. Loan file reserves XX.X. XX requirements minimum X. XXX Representative credit score exceeds the minimum required of XXX by XX points. Borrower Contribution XX%. XX requires XX% of sales price. |
NJ | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||
| XXXX | XXXX | HILD2026NQM1-176 | Closed | 2026-06-04 15:56 | 2026-06-05 10:07 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guidelines do not allow entity to sign note . - Due Diligence Vendor-XX/XX/XXXX Open-Borrower Type ineligible per program guidelines. Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXX.XXX | Personal Guaranty with Full Recourse Loan file XXXX X.XXX. XX requirements minimum X.X. Loan file reserves XX.X. XX requirements minimum X. XXX Representative credit score exceeds the minimum required of XXX by XX points. Borrower Contribution XX%. XX requires XX% of sales price. |
NJ | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes | ||
| XXXX | XXXX | HILD2026NQM1-176 | Closed | 2026-04-29 02:18 | 2026-06-04 16:35 | Acknowledged | 2 - Non-Material | D | B | Credit | Eligibility | Prepayment Penalty Does Not Meet Guideline Requirements | Acknowledged-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX Resolved-Corrected Note and Mortgage received with vesting in the name of the Business Entity. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-? Documents uploaded show signed as XXX. - Seller-XX/XX/XXXX Counter-Provide exception for ppp on XX loan vested to individual. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XX state does not allowed prepayment penalty on loans vested to individuals. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-? Documents uploaded show signed as XXX. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Acknowledged-Client elects to waive with the following compensating factors: - Due Diligence Vendor-XX/XX/XXXX Resolved-Corrected Note and Mortgage received with vesting in the name of the Business Entity. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXX.XXX | Loan file XXXX X.XXX. XX requirements minimum X.X. Loan file reserves XX.X. XX requirements minimum X. XXX Representative credit score exceeds the minimum required of XXX by XX points. Borrower Contribution XX%. XX requires XX% of sales price. |
NJ | Investment | Purchase | NA | XXXX | Originator Post-Close | No | ||
| XXXX | XXXX | HILD2026NQM1-176 | Closed | 2026-04-28 08:51 | 2026-05-04 07:53 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. Lender chooses to acknowledge as immaterial. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per outside counsel guidance, XXX prepayment penalties are only allowed for loans signed by a Corporation. Lender chooses to acknowledge as immaterial. - Due Diligence Vendor-XX/XX/XXXX |
NJ | Investment | Purchase | NA | XXXX | Originator Post-Close | No | |||||
| XXXX | XXXX | HILD2026NQM1-210 | Closed | 2026-06-04 09:46 | 2026-06-09 16:19 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Transaction is not arm's length | Waived-Waiver provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Due Diligence Vendor-XX/XX/XXXX Open-Underwriting Exception on the page XXXX, Borrowers' are purchasing an investment property from a deceased relative thus rending the loan as non-arms lengths. Policy requires that all non arm's length transactions must be for primary residence only - Due Diligence Vendor-XX/XX/XXXX |
Exception uploaded - XX/XX/XXXX |
Waived-Waiver provided - Due Diligence Vendor-XX/XX/XXXX |
XXX Representative credit score exceeds the minimum required of XXX by XX points XX% XXX is below the maximum XX% XXX by XX%. |
CA | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | HILD2026NQM1-210 | Closed | 2026-06-04 06:31 | 2026-06-09 07:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Required documents received - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This is a business purpose loan. Attached is the Final Settlement Statement. Please clear condition. - Seller-XX/XX/XXXX Open-XXXX: Missing Closing Disclosure Initial Closing disclosure is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This is a business purpose loan. Attached is the Final Settlement Statement. Please clear condition. - Seller-XX/XX/XXXX |
Resolved-Required documents received - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXX - XXX.XXX | CA | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-210 | Closed | 2026-06-04 06:17 | 2026-06-09 07:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Required documents received - finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This is a business purpose loan. Attached is the Final Settlement Statement. Please clear condition. - Seller-XX/XX/XXXX Open-XXXX: Missing Final Closing Disclosure Final XX is Missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This is a business purpose loan. Attached is the Final Settlement Statement. Please clear condition. - Seller-XX/XX/XXXX |
Resolved-Required documents received - finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXX - XXX.XXX | CA | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-210 | Closed | 2026-06-04 02:21 | 2026-06-09 07:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. See attached Sale Escrow Instructions noted as only binding contract between all parties. Please review and clear condition. - Seller-XX/XX/XXXX Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. See attached Sale Escrow Instructions noted as only binding contract between all parties. Please review and clear condition. - Seller-XX/XX/XXXX |
Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXX - X-X XXXXXX XXXXXX XXXX. XX XXXX XX XXXXXXXX XXXXXXXX.XXX | CA | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-214 | Closed | 2026-06-05 07:39 | 2026-06-08 15:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received settlement statement. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This is a business purpose loan, attached is the Final Settlement Statement. Please review and clear condition. - Seller-XX/XX/XXXX Open-XXXX: Missing Final Closing Disclosure In file there is Estimated Settlement statement on pg XXX, (which cannot be considered). Require Closing disclosures(Final and Initials) or Final/ Master Settlement statement - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This is a business purpose loan, attached is the Final Settlement Statement. Please review and clear condition. - Seller-XX/XX/XXXX |
Resolved-Received settlement statement. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX XXXX - XXX.XXX | CA | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-211 | Closed | 2026-06-10 09:21 | 2026-06-16 13:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX 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. Provide XXXX with accurate Primary residence PITIA. Verified Primary residence mortgage payment of $X,XXX.XX from pg#XXX and $X,XXX.XX is from #XXX and Monthly HOA of $XXX.XX from pg#XXX, in total resulting $X,XXX, whereas XXXX is showing $X,XXX.XX, due to the calculated HTI is XX.XX%, whereas on XXXX it is XX.XX% and calculated DTI is XX.XX%, whereas DTI per XXXX is XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated XXXX provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX - XXXXXXXXX XXXX - XXXXXXXXXXX XXXXXXX.XXX | TN | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-213 | Closed | 2026-06-10 06:46 | 2026-06-17 08:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Received Home Loan Tool Kit - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Home loan toolkit is missing in file ( received was Home Owner Counseling Notice) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Consumer Caution and Home Owner Counseling Notice in File/Home loan toolkit is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received Home Loan Tool Kit - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXX.XXX XXXXX XXXXX.XXX XXXX XXXX XXXXXXX XXXXXX.XXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-213 | Closed | 2026-06-15 11:35 | 2026-06-16 14:45 | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-XX.XX% DTI is below the maximum XX% DTI byXX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points XX months reserves exceed the minimum required of X months exceeds the minimum by X months over the required minimum. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Acknowleding this condition. - Seller-XX/XX/XXXX Open-Broker Fees are Paid by Lender and Anti Steering Disclosure was not received. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Acknowleding this condition. - Seller-XX/XX/XXXX |
Acknowledged-XX.XX% DTI is below the maximum XX% DTI byXX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points XX months reserves exceed the minimum required of X months exceeds the minimum by X months over the required minimum. - Due Diligence Vendor-XX/XX/XXXX |
XX.XX% DTI is below the maximum XX% DTI byXX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points XX months reserves exceed the minimum required of X months exceeds the minimum by X months over the required minimum. |
CA | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No | |||
| XXXX | XXXX | HILD2026NQM1-213 | Closed | 2026-06-10 04:57 | 2026-06-16 06:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-VOR/VOM Doc Status should not be 'Missing'. Missing VOR for current pay history of X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Verification of Rent uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-213 | Closed | 2026-06-10 06:47 | 2026-06-22 15:37 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien XXXX)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | HILD2026NQM1-213 | Closed | 2026-06-10 06:47 | 2026-06-22 15:37 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXXX, and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXXX. An interior and exterior appraisal was completed for this property – see pgXX-XX , the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | HILD2026NQM1-224 | Closed | 2026-06-11 02:35 | 2026-06-25 20:23 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX LE = Signed by both X/XX X/XX COC LE = Signed by both 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.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 to $X from Initial LE to final CD and there is no COC to cure the tolerance - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX LE = Signed by both X/XX X/XX COC LE = Signed by both X/XX - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXX XXXXXXXXXXX - XXXXXX.XXX X.XX XXX XX - XXXX.XXX |
SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-224 | Closed | 2026-06-11 02:49 | 2026-06-22 10:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-Corrected Final XXXX provided. Citizenship finding now resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Requested updated final XXXX by updating BX citizenship to US citizen provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Signed initial XXXX indicates BX as US citizen Final XXXX changed in error so corrected final XXXX. Please see attached corrected Final XXXX and signed initial XXXX. Please clear condition. - Seller-XX/XX/XXXX Open-Borrower X Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Per the Final XXXX on page XXX, Borrower X is a Permanent Resident Alien and DL, need additional identification (Permanent Resident card). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Signed initial XXXX indicates XXXX as US citizen Final XXXX changed in error so corrected final XXXX. Please see attached corrected Final XXXX and signed initial XXXX. Please clear condition. - Seller-XX/XX/XXXX |
Resolved-Corrected Final XXXX provided. Citizenship finding now resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Requested updated final XXXX by updating XXXX citizenship to US citizen provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX - XXXXXXXXX XXXX.XXX XXXX XXXX XXXXXXX XXXX_XXXXXXXXXXX.XXX |
SC | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-183 | Closed | 2026-06-10 02:17 | 2026-06-16 17:46 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX-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, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX-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, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#’s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | HILD2026NQM1-204 | Closed | 2026-06-12 02:35 | 2026-06-18 14:13 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’XXX in file and confirmation the appraisal was delivered to the borrower – see Pg#XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | HILD2026NQM1-216 | Closed | 2026-06-16 11:20 | 2026-06-17 10:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing evidence of Mortgage recording Final HUD is missing - once received this will be cleared - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXX XXXXXXXXX (X).XXX | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-216 | Closed | 2026-06-12 06:16 | 2026-06-17 10:53 | 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. Missing Final HUD or settlement statement. However LE is on pg#XXX - 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 |
XXXXXXXX XXXXX XXXXXXXXX (X).XXX | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-228 | Closed | 2026-06-15 05:51 | 2026-06-17 00:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Worksheet Provided, updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Bank Statement Summary Lender Worksheet / Income Calculator is Missing for XX employment of XXXXXX XXXXXX/XXXXX XXXXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Income Worksheet Provided, updated & condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXX - XX XXXXXX XXXX XXXXXXXXX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-228 | Closed | 2026-06-15 07:59 | 2026-06-17 00:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested payment History provided for Rent, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements XX lives in rental - Unable to verify complete XX month housing history as XX provided payment history of X months on pg XXX-XXX, Need complete payment history or VOR - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested payment History provided for Rent, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXX XXX.XXX XXX XXXXX.XXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-212 | Closed | 2026-06-17 08:58 | 2026-06-25 13:42 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- - Due Diligence Vendor-XX/XX/XXXX Open-Loan does not conform to program guidelines Exception required for rolling P&L (X/X/XXXX-X/XX/XXXX). Allowed in new guides but not old guides LTV exception to XX.XXX%. Exception on pg#XXX - Due Diligence Vendor-XX/XX/XXXX |
XX.XX% DTI is below the maximum XX% DTI by XX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes | |||||
| XXXX | XXXX | HILD2026NQM1-219 | Closed | 2026-06-15 08:10 | 2026-06-26 14:45 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV. | Waived- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per management the agreement between XXXXXX XXXXXXX and XXXXXXXXX is we’re able to grant exceptions internally for non-super jumbos on our programs. Attached is the exception approval that is being referred to below. This loan is not a Super Jumbo. Please delete condition. - Seller-XX/XX/XXXX Open-Audited LTV of XX% exceeds Guideline LTV of XX% LTV exception to XX%. Exception not to hit X% cut on LTV due to BK XX over XX months but lessor of XX months. Exception on pg#XXX, Borrower XXX on Bankruptcy is on pg#XXX and Bankruptcy Discharged status found on pg#XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Per management the agreement between XXXXXX XXXXXXX and XXXXXXXXX is we’re able to grant exceptions internally for non-super jumbos on our programs. Attached is the exception approval that is being referred to below. This loan is not a Super Jumbo. Please delete condition. - Seller-XX/XX/XXXX |
XXXXXX XXXX - XXXXXXXXX.XXX | XX.XX% DTI is below the maximum XX% DTI by XX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points |
GA | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | HILD2026NQM1-219 | Closed | 2026-06-22 14:28 | 2026-06-26 14:24 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-document provided - resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-there is no Final CD or initial CD as this is a business purpose loan. All we have is the Final Settlement Statement that has been submitted. Please clear condition. - Seller-XX/XX/XXXX Counter-Unable to use Settlement Statement as loan was submitted using TRID regulations - Final CD is required. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is a business purpose loan, Final Settlement Statement in other condition. Please review document there and clear condition - Seller-XX/XX/XXXX Open-Missing evidence of Mortgage recording Once Final CD is received, this is will be re-reviewed/cleared. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-there is no Final CD or initial CD as this is a business purpose loan. All we have is the Final Settlement Statement that has been submitted. Please clear condition. - Seller-XX/XX/XXXX Ready for Review-This is a business purpose loan, Final Settlement Statement in other condition. Please review document there and clear condition - Seller-XX/XX/XXXX |
Resolved-document provided - resolved - Due Diligence Vendor-XX/XX/XXXX |
GA | Investment | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | HILD2026NQM1-219 | Closed | 2026-06-15 06:32 | 2026-06-26 14:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-THIS IS A BUSINESS PURPOSE LOAN, there is no FINAL CD - Seller-XX/XX/XXXX Counter-Unable to use Settlement Statement as loan was submitted using TRID regulations - Final CD is required. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This is a business purpose loan attached is the Final Settlement Statement. Please review and clear condition. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Missing Closing Disclosure or HUD-X Settlement statement. However we have Loan estimate in the file on pg#XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-THIS IS A BUSINESS PURPOSE LOAN, there is no FINAL CD - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. This is a business purpose loan attached is the Final Settlement Statement. Please review and clear condition. - Seller-XX/XX/XXXX |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXX - XXX.XXX | GA | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-221 | Closed | 2026-06-22 15:40 | 2026-07-01 11:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD provided. Right of Recission now resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower signed docs on X/X/XXXX rescission is up X/XX/XXXX loan funded X/XX/XXXX - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Final CD provided is signed/dated by borrower on X/X/XXXX when closing date is listed as X/X/XX and funding date is X/X/XX. per the Notice of Right to Cancel, the closing date took place on X/X which makes the Funding date X/XX/XX as the cancel date expires on X/XX/XX - updated Final CD showing closing date of X/X and funding date of X/XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Borrower signed docs on X/X/XXXX rescission is up X/XX/XXXX loan funded X/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-PCCD provided. Right of Recission now resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX.XXX XXXX XXXXXXX XXX XX XXXXXX X.X.XXXX.XXX XXXX - XXXXX.XXX |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-221 | Closed | 2026-06-16 01:21 | 2026-07-01 11:26 | Resolved | 1 - Information | C | A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Borrower signed docs on X/X/XXXX rescission is up X/XX/XXXX loan funded X/XX/XXXX - 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) The disbursement date is XX/XX/XXXX, whereas the the right to cancel date is XX/XX/XXXX which is after disbursement date. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Borrower signed docs on X/X/XXXX rescission is up X/XX/XXXX loan funded X/XX/XXXX - Seller-XX/XX/XXXX |
Resolved-PCCD provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX - XXXXX.XXX XXXXX XXXX.XXX XXXX XXXXXXX XXX XX XXXXXX X.X.XXXX.XXX |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-220 | Closed | 2026-06-18 00:49 | 2026-07-01 10:56 | Waived | 2 - Non-Material | D | B | Property | Missing Doc | 1004D Completion Report is Missing | Waived-Lender provided waiver. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Exception provided. Client elects to waive with the following compensating factors - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Due to the loan amount, X Full Appraisals are required. Per management, an Exception is required for the Subject to Report in order to waive the condition. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Counter-Provide the management approval to show this was ok to use: Approved to use AS-IS status. Subject To report has estimated cost to cure included in opinion of value, and Xnd appraisal supports reaonsability for as-it - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Underwriter entered comments on XXXX that was submitted with CLP as follows: “approved to use AS-IS status on Xst appraisal as Xst appraisal in “Subject to” status with estimated cost to cure included in opinion of value, and Xnd appraisal supports reasonability for as is; approved by management. Please delete condition - Seller-XX/XX/XXXX Open-XXXXD Completion Report is Missing Missing XXXXD as the appraisal on pg#XX is completed with subject to the following repairs. - 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-Underwriter entered comments on XXXX that was submitted with CLP as follows: “approved to use AS-IS status on Xst appraisal as Xst appraisal in “Subject to” status with estimated cost to cure included in opinion of value, and Xnd appraisal supports reasonability for as is; approved by management. Please delete condition - Seller-XX/XX/XXXX |
Waived-Lender provided waiver. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXX - XXXX XXXXXXXX.XXX XXXXXXXX XXXX - XXXXXXX XXXXXXXXX XXXXXXXX.XXX |
XX.XX% DTI is below the maximum XX% DTI by XX.XX%. XxXX mortgage history for XX months. |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes | ||
| XXXX | XXXX | HILD2026NQM1-220 | Closed | 2026-06-18 01:48 | 2026-06-30 01:33 | 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-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Missing closing disclosure to perform Mavent test. Point discount fee of $X,XXX.XX has been added in Final CD, Change in Recording Fees on Final CD $XXX from $XXX (Initial LE pg#XXX). Lender Credits decreased to $X,XXX from $XX,XXX (Initial LE pg#XXX). COC on pg#XXX which is dated on XX/XX/XXXX not showing the above changes. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial Closing Disclosure uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
X.X XXXXXX XX X.XXX XXXXXXXXXXXXXXXX XXXXXXXX.XXX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-220 | Closed | 2026-06-30 01:29 | 2026-06-30 01:31 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and -X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||||
| XXXX | XXXX | HILD2026NQM1-220 | Closed | 2026-06-30 01:27 | 2026-06-30 01:30 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||||
| XXXX | XXXX | HILD2026NQM1-220 | Closed | 2026-06-18 02:00 | 2026-06-26 10:55 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Waived- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The agreement between XXXXXX XXXXXXX and XXXXXXXXX is we’re able to grant exceptions internally for non-super jumbos on our programs. Attached is the exception approval that is being referred to below. This loan is not a Super Jumbo so please delete condition. - Seller-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Use new guides to waive confirmation of no negative impact to the business assets to close/reserves. Exception is on pg#XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The agreement between XXXXXX XXXXXXX and XXXXXXXXX is we’re able to grant exceptions internally for non-super jumbos on our programs. Attached is the exception approval that is being referred to below. This loan is not a Super Jumbo so please delete condition. - Seller-XX/XX/XXXX |
XXXXXXXX XXXX - XXXXXXXXX XXXXXXXX.XXX | XX.XX% DTI is below the maximum XX% DTI by XX.XX%. XxXX mortgage history for XX months. |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | HILD2026NQM1-220 | Closed | 2026-06-18 02:42 | 2026-06-23 23:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing loan approval certificate in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Loan Approval document uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXX - XXXX XXXXXXXX XXXXXX.XXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-218 | Closed | 2026-06-23 14:46 | 2026-06-26 02:29 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Consumer Caution and Home Owner Counseling Notice (Home loan toolkit ) is missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Consumer Caution and Home Owner Counseling Notice provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXX XXXXXXXXXX XXXXXX XXXXXXXXX.XXX XXXX XXXX XXXXXXX.XXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-218 | Closed | 2026-06-25 12:04 | 2026-06-26 02:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX provided. Updated and 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. . - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-XXXX provided. Updated and resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
XXXX - XXXXXXXXXXX XXXXXXX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-223 | Closed | 2026-06-23 08:50 | 2026-07-08 02:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Requested XXXXX Document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Executed XXXX-X Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower X Executed XXXX-X Missing in file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested XXXXX Document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Borrower X Executed XXXX-X Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXXXXXXX XXXXXXXXX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-223 | Closed | 2026-06-23 10:12 | 2026-07-01 12:34 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - 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 form initial le to final Cd and there is no coc to cure the tolerance - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - X.X XXXXXX XX.XXX XXXXX - X.X XXXXXXX XX.XXX XXXXX - X.XX XXXXXX XXXXXXX XX.XXX XXXXX - XX @ XXXX.XXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-230 | Closed | 2026-06-23 05:57 | 2026-06-26 03:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-VOR/VOM Doc Status should not be 'Missing'. Borrower is renting at their current address, provide VOR verifying XX months rent history as it is not included in file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-230 | Closed | 2026-06-23 05:43 | 2026-06-26 03:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested updated income calculation sheet with updated income by using XX% expense ratio provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide an updated lender income calculation worksheet for the business XXX XXXXXXXX XXX LLC, as the worksheet on page #XXX reflects an ownership percentage of XX%, whereas the business narrative on page #XXX and the CPA letter on page #XXX indicate the borrower’s ownership percentage is XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested updated income calculation sheet with updated income by using XX% expense ratio provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXX (X).XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-230 | Closed | 2026-06-23 06:29 | 2026-06-26 03:00 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Requested updated XXXX & XXXX with updated income of $XX,XXX.XX provided, HTI & DTI is within the guidelines hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Attached is the corrected XXXX and XXXX correcting income. See notes by UW on XXXX why rent included in DTI. The rent has not been removed as a result. Please clear condition. - Seller-XX/XX/XXXX Open-Audited HTI and DTI are XX.XX% and XX.XX%, respectively, whereas the lender HTI and DTI are XX.XX% and XX.XXX%. The variance in both ratios is X.XX% and X.XX% respectively. The variance arises because (X) the lender calculated monthly income from XXX XXXXXXXX XXX as $XX,XXX based on a XX% ownership stake, whereas our audited income reflects $XX,XXX.XX using a XX% ownership, as supported by the business narrative page #XXX and CPA letter page #XXX. (X) the lender included current address rent of $X,XXX in DTI calculation. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Attached is the corrected XXXX and XXXX correcting income. See notes by UW on XXXX why rent included in DTI. The rent has not been removed as a result. Please clear condition. - Seller-XX/XX/XXXX |
Resolved-Requested updated XXXX & XXXX with updated income of $XX,XXX.XX provided, HTI & DTI is within the guidelines hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXX - XXXXXXXXX XXXX.XXX XXXXXXXXX XXXX - XXXXXXXXX XXXX.XXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-230 | Closed | 2026-06-23 06:14 | 2026-06-26 02:51 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Reserves are sufficient even if we remove asset X hence removed assetX & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-corrected XXXX and XXXX correcting income was added on another condition please see other condition as we also removed assetX as it did not end up being used. Please clear condition. - Seller-XX/XX/XXXX Open-Asset Record X Does Not Meet G/L Requirements Provide documentation supporting the XXXX checking account #XXXX, with a balance of $XX,XXX.XX as referenced in the final XXXX, as this document is not currently included in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-corrected XXXX and XXXX correcting income was added on another condition please see other condition as we also removed assetX as it did not end up being used. Please clear condition. - Seller-XX/XX/XXXX |
Resolved-Reserves are sufficient even if we remove asset X hence removed assetX & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Asset Record X Meets G/L Requirements - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | HILD2026NQM1-234 | Closed | 2026-06-24 06:22 | 2026-06-26 13:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-the document was provided - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Final Settlement Statement attached. Please note the X,XXX deposit was not used to close as it's reflected as refund on estimated and final settlement statements. Please clear condition. - Seller-XX/XX/XXXX Open-Closing Doc is Missing. Provide final Settlement statement or HUDX as the one in file is labelled as estimated. There is another deposit listed on the Settlement Statement for $X,XXX - there isn't an addendum for the additional deposit. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Final Settlement Statement attached. Please note the X,XXX deposit was not used to close as it's reflected as refund on estimated and final settlement statements. Please clear condition. - Seller-XX/XX/XXXX |
Resolved-the document was provided - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXX - XXX.XXX | CA | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-179 | Closed | 2026-06-25 05:45 | 2026-07-02 19:33 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-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, Inspection 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)). In Final Closing disclosure Points - Loan Discount Fee and Inspection Fee increased related COC is required. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XX.XXX XXXXXXX X XX XX.XXX |
IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-179 | Closed | 2026-07-02 18:10 | 2026-07-02 19:33 | Resolved | 1 - Information | A | A | Compliance | TRID | Federal - Closing Disclosure Business Day Waiting Period Date Warnings | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
IL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | HILD2026NQM1-217 | Closed | 2026-06-24 11:00 | 2026-07-07 12:21 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved-COC provided for initial decrease in Lender Credit. Resolved. Lender credit decreased by $.XX from the LE to the CD causing the finding to still open. Resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,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)). - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. X/XX Initial LE X/XX COC LE to Lock Rate with Lock Credit of X% or $XX,XXX.XX. Borrower did not acknowledge, eSign audit trail attached above X/X COC initial CD – Lock Credit remained at X% or $XX,XXX.XX X/XX COC CD @ Docs - Lock Credit remained at X% or $XX,XXX.XX - Seller-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,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)). The lender credits on initial LE is $XX,XXX, which is decreased in Initial CD for $XX,XXX.XX, without a valid change of circumstances. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. X/XX Initial LE X/XX COC LE to Lock Rate with Lock Credit of X% or $XX,XXX.XX. Borrower did not acknowledge, eSign audit trail attached above X/X COC initial CD – Lock Credit remained at X% or $XX,XXX.XX X/XX COC CD @ Docs - Lock Credit remained at X% or $XX,XXX.XX - Seller-XX/XX/XXXX |
Resolved-COC provided for initial decrease in Lender Credit. Resolved. Lender credit decreased by $.XX from the LE to the CD causing the finding to still open. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX X.XX XXX XX @ XXXX.XXX XXXXXX X.X XXX XXXXXXX XX.XXX XXXXXX X.XX XXX XX XXXXX XXXXX.XXX XXXXXX X.XX XXXXXXX XX.XXX XXXXXX X.XX XXX XX.XXX |
TX | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-217 | Closed | 2026-06-25 07:56 | 2026-06-30 15:52 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Waived-Lender provided Waiver. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Per management the agreement between XXXXXX XXXXXXX and XXXXXXXXX is we’re able to grant exceptions internally for non-super jumbos on our programs. Attached is the exception approval that is being referred to below. This loan is not a Super Jumbo, please delete condition. - Seller-XX/XX/XXXX Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Exception provided on pg. #XXX "To waive no negative impact statement from CPA to use business assets." - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Per management the agreement between XXXXXX XXXXXXX and XXXXXXXXX is we’re able to grant exceptions internally for non-super jumbos on our programs. Attached is the exception approval that is being referred to below. This loan is not a Super Jumbo, please delete condition. - Seller-XX/XX/XXXX |
Waived-Lender provided Waiver. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXX - XXXXXXXXX XXXXXXXX.XXX | XX% LTV is below the maximum XX% LTV by X%. XXX Representative credit score exceeds the minimum required of XXX by XX points |
TX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||
| XXXX | XXXX | HILD2026NQM1-222 | Closed | 2026-06-25 09:55 | 2026-06-30 15:54 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV. | Waived-Lender provided waiver. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Exception provided. Comp Factors entered. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Please clear with exception - Seller-XX/XX/XXXX Open-Audited LTV of XX% exceeds Guideline LTV of XX% Exception to XX% LTV with max allowed XX%. Guideline Exception Request on pg. #XXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Please clear with exception - Seller-XX/XX/XXXX |
Waived-Lender provided waiver. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX.XXX | XX.XX% DTI is below the maximum XX% DTI by X.XX%. XxXX mortgage history for XX months. |
CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | Originator Pre-Close | Yes | ||
| XXXX | XXXX | HILD2026NQM1-222 | Closed | 2026-06-30 14:41 | 2026-06-30 14:57 | Resolved | 1 - Information | A | A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Data Entry Error - Due Diligence Vendor-XX/XX/XXXX Open-Data Entry Error - Due Diligence Vendor-XX/XX/XXXX Rescinded- - Due Diligence Vendor-XX/XX/XXXX Rescinded-Data Entry Error - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Data Entry Error - Due Diligence Vendor-XX/XX/XXXX Rescinded-Data Entry Error - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A | |||||
| XXXX | XXXX | HILD2026NQM1-222 | Closed | 2026-06-30 14:41 | 2026-06-30 14:55 | Resolved | 1 - Information | C | A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-Data Entry Error - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-Under the XXXXXXXXXX Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in XXXXXXXXXX prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX.X) * - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Data Entry Error - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A | |||||
| XXXX | XXXX | HILD2026NQM1-222 | Closed | 2026-06-29 15:50 | 2026-06-30 14:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial CD provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXXX (XXXXXXXXX).XXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-222 | Closed | 2026-06-29 15:56 | 2026-06-30 14:38 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount There is no Coverage amount listed on the Title Report. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXX_XXXX__XXXXXXX__X.X.XX.XXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-222 | Closed | 2026-06-30 14:41 | 2026-06-30 14:50 | Resolved | 1 - Information | A | A | Compliance | AbilityToRepay:TermAndFeatures | Federal - Qualified Mortgage Loan Features (XXXX) | Resolved-Non QM Loan - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Non QM Loan - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A | |||||
| XXXX | XXXX | HILD2026NQM1-186 | Closed | 2026-07-06 12:33 | 2026-07-07 09:16 | Resolved | A | A | Data Edit | Data Edit | One or more borrowers Photo ID Expiration Date is Expired | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-EAD proof that extension has been filed was provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Expired EAD ok with proof that extension has been filed. - Seller-XX/XX/XXXX Open-Borrower identification is set to expire within X months of application and Note. Provide updated identification - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Expired EAD ok with proof that extension has been filed. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-EAD proof that extension has been filed was provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXX.XXX | VA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | HILD2026NQM1-186 | Closed | 2026-07-02 02:15 | 2026-07-07 03:22 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Need updated Hazard insurance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX.XXX | VA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-186 | Closed | 2026-07-02 04:22 | 2026-07-06 11:20 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Waived-Audited Reserves of X.X month(s) are less than Guideline Required Reserves of X month(s) Exception was provided in page #XXX. Minimum require reserves are X, Audited reserves are X. QA Notes: Client elects to waive with the following compensating factors - Due Diligence Vendor-XX/XX/XXXX |
Waived-Audited Reserves of X.X month(s) are less than Guideline Required Reserves of X month(s) Exception was provided in page #XXX. Minimum require reserves are X, Audited reserves are X. QA Notes: Client elects to waive with the following compensating factors - Due Diligence Vendor-XX/XX/XXXX |
XX% LTV is below the maximum XX% LTV by X%. XX.XX% DTI is below the maximum XX% DTI by XX.XX%. Borrower contribution is over XX% of sale price as per guidelines Borrower contribution >X% above min is XX% of sales price |
VA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | HILD2026NQM1-215 | Closed | 2026-07-02 06:40 | 2026-07-10 12:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Received initial closing disclosure. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Missing initial closing disclosure from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received initial closing disclosure. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-215 | Closed | 2026-07-02 07:03 | 2026-07-10 07:44 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated XXXX provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected XXXX attached. Please review and clear condition. - Seller-XX/XX/XXXX Open-On pg#XXX Final XXXX Borrower self-employment details are incomplete, which is missing with Self-employment flag and % of ownership are missing. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected XXXX attached. Please review and clear condition. - Seller-XX/XX/XXXX |
Resolved-Requested updated XXXX provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXX - XXXXXXXXX XXXXX XXXX.XXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-215 | Closed | 2026-07-10 07:40 | 2026-07-10 07:42 | Resolved | 1 - Information | C | A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-The List of Settlement Service Providers Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(vi); XXXX.XX(e)(X)(iii)) - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||||
| XXXX | XXXX | HILD2026NQM1-225 | Closed | 2026-07-06 07:02 | 2026-07-07 00:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested initial CD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Initial Closing disclosure missing in the file, hence compliance is not tested. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested initial CD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-225 | Closed | 2026-07-06 07:03 | 2026-07-07 00:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Texas Section 50 a6 Notice is Missing | Resolved-Requested Texas Section XX aX Notice provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Texas Section XX aX Notice is Missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Texas Section XX aX Notice provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX_XXXXXXXXXXXXXX.XXX | TX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-233 | Closed | 2026-07-06 07:21 | 2026-07-10 08:06 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested initial CD Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Initial Closing disclosure is missing to perform compliance test. COC is on pg#XX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested initial CD Provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXXX (XXXXXXXXX).XXX | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-240 | Closed | 2026-07-09 12:34 | 2026-07-10 09:46 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title supplement provided with sufficient coverage. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount There is no Coverage amount listed on the Policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title supplement provided with sufficient coverage. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXX - XXXXXXXX XXXXXXX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-241 | Closed | 2026-07-07 06:08 | 2026-07-13 01:08 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Missing initial closing disclosure from the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Initial CD provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-241 | Closed | 2026-07-07 08:01 | 2026-07-13 00:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested updated PCCD with gift amounts in adjustments 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 The gift of $XXXXXX has been wired to closing per pg#XXX,XXX, XXX, on XX/XX/XXXX which is same as disbursement date, whereas final CD is not showing the same value in the adjustments. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested updated PCCD with gift amounts in adjustments provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXX - XXX.XXX XXXX.XXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-238 | Closed | 2026-07-07 03:23 | 2026-07-08 15:55 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Waiver in file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please move forward with using the exception we provided. - Seller-XX/XX/XXXX Open-Audited LTV Exceeds Guideline LTV As per underwriting exception on the page #XXX, Due to Short-Term Rental LTV exceeds XX%. Requesting XX%. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please move forward with using the exception we provided. - Seller-XX/XX/XXXX |
Waived-Waiver in file. - Due Diligence Vendor-XX/XX/XXXX |
XXX Representative credit score exceeds the minimum required of XXX by XX points $XXX,XXX reserves exceed the minimum required of $XXX,XXX exceeds the minimum by X months over the required minimum. XxXX*XX mortgage history for XX months. |
FL | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | HILD2026NQM1-226 | Closed | 2026-07-09 06:12 | 2026-07-15 10:37 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount. | Waived-Lender waived. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please clear with exception provided. - Seller-XX/XX/XXXX Open-Audited Loan Amount of $XXXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX Exception pg no: XXX Loan amount under $XXXk - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please clear with exception provided. - Seller-XX/XX/XXXX |
Waived-Lender waived. - Due Diligence Vendor-XX/XX/XXXX |
XX% LTV is below the maximum XX% LTV by X%. XX.XX% DTI is below the maximum XX% DTI by XX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points $XX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by X months over the required minimum. |
FL | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | HILD2026NQM1-226 | Closed | 2026-07-09 06:46 | 2026-07-14 11:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. finding resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure initial CD is missing in the file provide initial CD - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial CD provided. finding resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-226 | Closed | 2026-07-14 05:15 | 2026-07-14 05:19 | Resolved | 1 - Information | C | A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); OSC XX(c)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXX | HILD2026NQM1-231 | Closed | 2026-07-09 14:11 | 2026-07-23 12:54 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Duplicate Condition. LTV waived by Lender. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Audited HLTV of XX% exceeds Guideline HCLTV of XX% Transaction is non-arm's length. Borrower are current tenants in the subject property that is being purchased from their current landlord. Max LTV is XX%. Please review for X% LTV exception = XX% LTV. Exception is on pg#XXX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Duplicate Condition. LTV waived by Lender. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Audited HLTV of XX% exceeds Guideline HCLTV of XX% Transaction is non-arm's length. Borrower are current tenants in the subject property that is being purchased from their current landlord. Max LTV is XX%. Please review for X% LTV exception = XX% LTV. Exception is on pg#XXX - Due Diligence Vendor-XX/XX/XXXX |
$XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by X months over the required minimum. XXX Representative credit score exceeds the minimum required of XXX by XX points XX.XX% DTI is below the maximum XX% DTI by XX.XX%. |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | HILD2026NQM1-231 | Closed | 2026-07-09 14:11 | 2026-07-23 12:53 | Resolved | 1 - Information | A | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements. | Resolved-Duplicate Condition. LTV waived by Lender. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Audited CLTV of XX% exceeds Guideline CLTV of XX% Transaction is non-arm's length. Borrower are current tenants in the subject property that is being purchased from their current landlord. Max LTV is XX%. Please review for X% LTV exception = XX% LTV. Exception is on pg#XXX - Due Diligence Vendor-XX/XX/XXXX |
Resolved-Duplicate Condition. LTV waived by Lender. - Due Diligence Vendor-XX/XX/XXXX Rescinded-Audited CLTV of XX% exceeds Guideline CLTV of XX% Transaction is non-arm's length. Borrower are current tenants in the subject property that is being purchased from their current landlord. Max LTV is XX%. Please review for X% LTV exception = XX% LTV. Exception is on pg#XXX - Due Diligence Vendor-XX/XX/XXXX |
$XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by X months over the required minimum. XXX Representative credit score exceeds the minimum required of XXX by XX points XX.XX% DTI is below the maximum XX% DTI by XX.XX%. |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | HILD2026NQM1-231 | Closed | 2026-07-09 14:16 | 2026-07-23 11:46 | Resolved | 1 - Information | C | A | Credit | Credit | Appraisal deficiency. | Resolved-Requested Non-Arms length Appraisal document, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Requested Non-Arms length Appraisal document, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Borrower is purchasing the same rented property as primary residence, whereas appraisal document is showing as Arms length sale transaction - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Non-Arms length Appraisal document, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Requested Non-Arms length Appraisal document, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXX - XXXXXXXXX XXXXXXXXX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-231 | Closed | 2026-07-13 13:54 | 2026-07-22 08:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | 1008 Document is Missing | Resolved-DTI variance explained.; now resolved. Liabilities updated. - 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-The X,XXX.XX is the overall negative rent (XXXXXX rental X,XXX.XX * XX% = X,XXX.XX - X,XXX.XX PITIA = XXX.XX, XXX XXXXXXXX rental X,XXX.XX * XX% = X,XXX.XX - XXXX.XX PITIA = X,XXX.XX, XXX XXXXXXXX rental X,XXX * XX% = X,XXX.XX - X,XXX.XX PITIA = <X,XXX.XX>, XXX XXXXXXXX rental F&C so no mortgage and no rental income used but XXXX shows Taxes <X,XXX.XX>) + BX debt X,XXX + BX debt X,XXX = X,XXX.XX - Seller-XX/XX/XXXX Open-The XXXX document is missing from the loan file. The calculated all other monthly payments is $X,XXX, whereas XXXX is showing $X,XXX.XX. unable to verify the difference of $XXXX.XX, due to the calculated DTI is resulting XX.XX%, whereas DTI per XXXX is XX.XX% - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-The X,XXX.XX is the overall negative rent (XXXXXX rental X,XXX.XX * XX% = X,XXX.XX - X,XXX.XX PITIA = XXX.XX, XXX XXXXXXXX rental X,XXX.XX * XX% = X,XXX.XX - XXXX.XX PITIA = X,XXX.XX, XXX XXXXXXXX rental X,XXX * XX% = X,XXX.XX - X,XXX.XX PITIA = <X,XXX.XX>, XXX XXXXXXXX rental F&C so no mortgage and no rental income used but XXXX shows Taxes <X,XXX.XX>) + BX debt X,XXX + BX debt X,XXX = X,XXX.XX - Seller-XX/XX/XXXX |
Resolved-DTI variance explained.; now resolved. Liabilities updated. - Due Diligence Vendor-XX/XX/XXXX Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXX | HILD2026NQM1-231 | Closed | 2026-07-09 14:13 | 2026-07-21 03:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX uploaded with correct declaration section, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Corrected XXXX attached - Seller-XX/XX/XXXX Open-Borrower is purchasing the same rented property as primary residence, but under declaration section of final XXXX Question B is answered as No - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Corrected XXXX attached - Seller-XX/XX/XXXX |
Resolved-Updated Final XXXX uploaded with correct declaration section, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XXXX - XXXXXXXXX XXXX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-231 | Closed | 2026-07-09 14:11 | 2026-07-15 10:53 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV. | Waived-Lender waived. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Exception Approved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Please clear with exception provided - Seller-XX/XX/XXXX Open-Audited LTV of XX% exceeds Guideline LTV of XX% Exception on page #XXX for non-arm's length transaction. "Borrower are current tenants in the subject property that is being purchased from their current landlord. Max LTV is XX%. Please review for X% LTV exception = XX% LTV." Comp Factors entered below. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Please clear with exception provided - Seller-XX/XX/XXXX |
Waived-Lender waived. - Due Diligence Vendor-XX/XX/XXXX |
$XXX,XXX reserves exceed the minimum required of $XX,XXX exceeds the minimum by X months over the required minimum. XXX Representative credit score exceeds the minimum required of XXX by XX points XX.XX% DTI is below the maximum XX% DTI by XX.XX%. |
CA | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXX | HILD2026NQM1-231 | Closed | 2026-07-13 11:55 | 2026-07-14 16:39 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount There is no Coverage amount listed on the Title Policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXX | HILD2026NQM1-231 | Closed | 2026-07-09 15:07 | 2026-07-14 16:38 | Acknowledged | 2 - Non-Material | B | B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Acknowledged. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-We acknowledge this condition - Seller-XX/XX/XXXX Open-Anti-Steering Disclosure is missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-We acknowledge this condition - Seller-XX/XX/XXXX |
Acknowledged-Acknowledged. - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No | ||||
| XXXX | XXXXX0934 | HILD2026NQM1-231 | Closed | 2026-07-09 14:03 | 2026-07-14 01:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD uploaded reflecting Gift Funds, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Final Closing Disclosure Gift of $XXX,XXX wired to closing on XX/XX/XXXX which is after closing but not showing on final CD under adjustment or PCCD is not provided on the same. pg#XXX,XXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-PCCD uploaded reflecting Gift Funds, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXX XXXXXXXXX (XX).XXX XXXXXX - XXXX.XXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX0944 | HILD2026NQM1-232 | Closed | 2026-07-13 11:55 | 2026-07-14 16:36 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Supplement report provided with sufficient coverage. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount There is no Coverage amount listed on the Title Policy. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Supplement report provided with sufficient coverage. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Title Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXXX XXXX XXXX XXXXXX XXXXXX_(XXXXXXXXXX).XXX | HI | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXXX0944 | HILD2026NQM1-232 | Closed | 2026-07-09 07:25 | 2026-07-14 16:34 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | 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 Final CD missing in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXX XXXXXXXXX XXX.XXX | HI | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXXX0989 | HILD2026NQM1-237 | Closed | 2026-07-14 01:17 | 2026-07-17 16:24 | Resolved | 1 - Information | A | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved-The COC provided on page XXX was sufficient for the removal of the Lender Credits. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-X/X LE was the initial LE. A rate of X.XXX% would give the borrower a $X,XXX.XX Lock Credit towards Closing Costs. Loan was not locked at this time. X/XX LE the borrower opted to lock the rate at a reduced rate of $X.XX which meant there would no longer be a lock credit of $X,XXX.XX but in fact cost the borrower .XXX% . This was documented on the X/XX Change of Circumstance form attached to the LE - Seller-XX/XX/XXXX Counter-The finding remains valid because the $X,XXX lender credit disclosed on the initial Loan Estimate (XX/XX/XXXX) was removed on the revised Loan Estimate (XX/XX/XXXX) without a documented valid COC. Valid COC for lender credit decrease on disclosure dated XX/XX/XXXX or cure is needed. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The $X,XXX lender credit shown on the initial Loan Estimate (XX/XX/XXXX) was removed on the revised Loan Estimate (XX/XX/XXXX) without a valid Change of Circumstance (COC) documented in the file. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-X/X LE was the initial LE. A rate of X.XXX% would give the borrower a $X,XXX.XX Lock Credit towards Closing Costs. Loan was not locked at this time. X/XX LE the borrower opted to lock the rate at a reduced rate of $X.XX which meant there would no longer be a lock credit of $X,XXX.XX but in fact cost the borrower .XXX% . This was documented on the X/XX Change of Circumstance form attached to the LE - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-The COC provided on page XXX was sufficient for the removal of the Lender Credits. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
X.X XXXXXXX XX XXX XXXXXXXXXXX.XXX X.XX XXXXXX XXX XX.XXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX0989 | HILD2026NQM1-237 | Closed | 2026-07-14 01:11 | 2026-07-14 16:50 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-Missing COC for increase in Processing Fee. - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Processing Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXXX0989 | HILD2026NQM1-237 | Closed | 2026-07-09 08:31 | 2026-07-14 16:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Initial CD provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Initial CD Missing in file, Hence Unable to Perform Mavent, Need Initial CD - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial CD provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Initial CD provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXX XXXXXXXXXX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX0989 | HILD2026NQM1-237 | Closed | 2026-07-14 01:11 | 2026-07-14 01:17 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XXXX) | Resolved- - 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 ($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)). - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved- - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXXX0999 | HILD2026NQM1-239 | Closed | 2026-07-08 07:39 | 2026-07-15 09:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Fraud Report with cleared alerts provided. 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. - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts Missing a fraud report with high alerts cleared, or a Processor / Underwriter Cert - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Fraud Report with cleared alerts provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXXXXX.XXXXXXXXX.XXX | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX0999 | HILD2026NQM1-239 | Closed | 2026-07-09 01:12 | 2026-07-15 09:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. No resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Provide Initial CD. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial CD provided. No resolved. - Due Diligence Vendor-XX/XX/XXXX |
X.XX XXXXXX XXXXXXX XX.XXX | NC | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX6712 | HILD2026NQM1-205 | Closed | 2026-07-16 13:54 | 2026-07-17 10:25 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | Resolved-Business Narrative Provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Missing Business Narrative - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Business Narrative Provided. Resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX XXX XXXXXXXX XXX_ XXXXXXXX XXXXXXXXX.XXX | PA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX0792 | HILD2026NQM1-242 | Closed | 2026-07-17 08:55 | 2026-07-21 18:03 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XXXX) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is for the XXnd appraisal. We need documentation from XX that reflects the appraisal is part of the finance charge. Our Mavent findings and Compliance Officer are stating it is NOT. - Seller-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X,XXX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is for the XXnd appraisal. We need documentation from XX that reflects the appraisal is part of the finance charge. Our Mavent findings and Compliance Officer are stating it is NOT. - Seller-XX/XX/XXXX |
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXXX0792 | HILD2026NQM1-242 | Closed | 2026-07-17 09:10 | 2026-07-21 18:00 | Resolved | 1 - Information | C | A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This is for the XXnd appraisal. We need documentation from XX that reflects the appraisal is part of the finance charge. Our Mavent findings and Compliance Officer are stating it is NOT. - Seller-XX/XX/XXXX Open-The disclosed finance charge ($X,XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($X,XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); OSC XX(c)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This is for the XXnd appraisal. We need documentation from XX that reflects the appraisal is part of the finance charge. Our Mavent findings and Compliance Officer are stating it is NOT. - Seller-XX/XX/XXXX |
Resolved-. - Due Diligence Vendor-XX/XX/XXXX |
FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | ||||
| XXXX | XXXXX0792 | HILD2026NQM1-242 | Closed | 2026-07-16 14:11 | 2026-07-17 09:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-CD received and compliance run. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure - Initial CD missing for compliance run - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-CD received and compliance run. - Due Diligence Vendor-XX/XX/XXXX |
XXX.XXX | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX0986 | HILD2026NQM1-236 | Closed | 2026-07-14 09:47 | 2026-07-21 15:32 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Appraisal is Missing Zoning classified as PUD but PUD/HOA information in Subject Property section of appraisal is blank - provide updated Appraisal Report with PUD/HOA checked and Dues amount listed. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX - XXX XXXXXXXXXXX - XXX XXXXXXX XXXXX, XXXXXX XXXX, XX XXXXX _ XXXXXX.XXX | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX0986 | HILD2026NQM1-236 | Closed | 2026-07-16 12:46 | 2026-07-21 15:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Seller credit of $X,XXX found on Final CD but Addendum for seller credit is missing from the sales contract. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XX XXX $XXXX XXXXXX XX XXXXXX.XXX | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX0986 | HILD2026NQM1-236 | Closed | 2026-07-14 09:50 | 2026-07-17 00:51 | 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-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Initial CD missing in file, - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Initial Closing Disclosure uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX |
XX.XXX | FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX0459 | HILD2026NQM1-209 | Closed | 2026-07-15 06:10 | 2026-07-17 05:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Primary Mortgage History considered as X since mortgage statement shows spouse name of borrower, No LOX needed. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet XXXXXXXXX Requirements Primary Mortgage or Current Rent History - borrower is not listed on the mortgage statement for the primary residence with New Rez - LOE from non-borrowing spouse regarding rent free is required. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Primary Mortgage History considered as X since mortgage statement shows spouse name of borrower, No LOX needed. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XX_ XXXXXX XXXX-XXXX XXXXXXX.XXX | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXXX0459 | HILD2026NQM1-209 | Closed | 2026-07-15 05:31 | 2026-07-17 05:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Business Purpose Affidavit Disclosure missing in the file - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Business Purpose Affidavit provided. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXX & XXXXXXXXX XXXXXXXXX (XXX _XXXXXXXXX_).XXX | CA | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | |||
| XXXX | XXXXX6541 | HILD2026NQM1-185 | Closed | 2026-07-17 06:25 | 2026-07-21 10:10 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines. | Waived-Exception provided. Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XXXXXXXXXX do not allow entity to sign note XXXXXXXXXX do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Exception provided. Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXX.XXX | Personal Guaranty with Full Recourse Loss of Use/ Rental Loss - Loan File $XX,XXX $XX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XX months over the required minimum. |
FL | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes | ||
| XXXX | XXXXX6578 | HILD2026NQM1-166 | Closed | 2026-07-17 17:48 | 2026-07-21 10:14 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Title Coverage Amount of $X is Less than Loan Amount There is no Coverage amount listed on the Policy and No supplement provided. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXXXXX XXXXXX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX5373 | HILD2026NQM1-182 | Closed | 2026-07-17 03:58 | 2026-07-23 05:27 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-COC received for Final CD - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - 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: 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)). Provide COC for the Points - Loan Discount Fee added iao $XXX.XX (X.XXX%) to the Final CD - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-COC received for Final CD - Due Diligence Vendor-XX/XX/XXXX Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX X X XX.XXX XXXXXX X XX XX.XXX XXXXXX X XX XX.XXX |
FL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX6753 | HILD2026NQM1-188 | Closed | 2026-07-30 02:32 | 2026-08-13 15:40 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Requested Business Entity documents provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Articles of Incorporation and operating agreement are missing in loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Business Entity documents provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXX.XXX | TX | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX6753 | HILD2026NQM1-188 | Closed | 2026-07-30 02:17 | 2026-08-04 11:21 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines. | Waived-Exception provided. Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XXXXXXXXXX do not allow entity to sign note XXXXXXXXXX do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Exception provided. Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXXXXXX.XXX | Personal Guaranty with Full Recourse Loss of Use/ Rental Loss - Loan File $XX,XXX XX.XX% LTV is below the maximum XX% LTV by XX.XX% |
TX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes | ||
| XXXX | XXXXX6753 | HILD2026NQM1-188 | Closed | 2026-07-30 02:51 | 2026-08-04 00:19 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Requested Updated Hazard Insurance provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX. previous year hazard policy is missing in loan file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Updated Hazard Insurance provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXXXX _ X_XX_XX XX X_XX_XX _ XXXXXXX $XXX.XXX | TX | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX6778 | HILD2026NQM1-189 | Closed | 2026-07-30 07:47 | 2026-08-10 08:56 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines. | Waived-Exception provided. Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-XXXXXXXXXX do not allow entity to sign note XXXXXXXXXX do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Exception provided. Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXXX XXXXXXXXX.XXX | Personal Guaranty with Full Recourse Loss of Use/ Rental Loss - Loan File $XX,XXX $X,XXX,XXX reserves exceed the minimum required of $X,XXX exceeds the minimum by XXX months over the required minimum. |
TX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes | ||
| XXXX | XXXXX7006 | HILD2026NQM1-203 | Closed | 2026-08-07 15:32 | 2026-08-11 05:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Revised LE dated X/XX/XXXX and related COC received - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Provide Revised LE dated X/XX/XXXX and related COC, if applicable - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Revised LE dated X/XX/XXXX and related COC received - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX X XX XX.XXX | AL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX7006 | HILD2026NQM1-203 | Closed | 2026-08-04 03:00 | 2026-08-11 05:53 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’ XXX 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 copy of the appraisal was given to the borrower – see Pg#’sXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’ XXX 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 copy of the appraisal was given to the borrower – see Pg#’sXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |
AL | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXXX6718 | HILD2026NQM1-168 | Closed | 2026-08-06 01:58 | 2026-08-13 05:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines. | Waived-Client elects to waive with the following compensating factors. TPR agrees - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors. TPR agrees - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXX.XXX | Personal Guaranty with Full Recourse XXX Representative credit score exceeds the minimum required of XXX by XX points XxXX primary mortgage history for XX months. XxXX REO Investment mortgage history for XX months. Investor has X years of experience with investment properties. |
NJ | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes | ||
| XXXX | XXXXX6718 | HILD2026NQM1-168 | Closed | 2026-08-06 01:58 | 2026-08-11 08:13 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-Per X.X. Stat. Ann. § XX:XXX-X, mortgage loans may be prepaid without penalty. Based on legal interpretation of the statute and outside counsel guidance, the exception permitting prepayment penalties is limited to corporate borrowers; therefore, because the borrower is not a corporation, the BPL prepayment penalty is not permitted. Lender has acknowledged condition and advises that it is immaterial. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per X.X. Stat. Ann. § XX:XXX-X, mortgage loans may be prepaid without penalty. Based on legal interpretation of the statute and outside counsel guidance, the exception permitting prepayment penalties is limited to corporate borrowers; therefore, because the borrower is not a corporation, the BPL prepayment penalty is not permitted. Lender has acknowledged condition and advises that it is immaterial. - Due Diligence Vendor-XX/XX/XXXX |
NJ | Investment | Purchase | NA | XXXX | Originator Post-Close | No | |||||
| XXXX | XXXXX7883 | HILD2026NQM1-197 | Closed | 2026-08-11 07:08 | 2026-08-12 12:23 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’ XXX interior and exterior appraisal was completed for this property – see pg # XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#’ XXX interior and exterior appraisal was completed for this property – see pg # XX the appraisal disclosure was provided to the borrower(s)- see Pg#’s XX, and copy of the appraisal was given to the borrower – see Pg#’s XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |
NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXXX7998 | HILD2026NQM1-200 | Closed | 2026-08-12 02:17 | 2026-08-13 13:08 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception provided on page XXX. Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception provided on page XXX. Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
XXX Representative credit score exceeds the minimum required of XXX by XX points Borrower has $XX,XXX residual income after all expenses. Minimum required per guideline is $X,XXX. XX.XX% DTI is below the maximum XX% DTI by XX.XX%. |
NJ | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXXX7998 | HILD2026NQM1-200 | Closed | 2026-08-12 02:47 | 2026-08-13 13:15 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#’s XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#’s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |
NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXXX7884 | HILD2026NQM1-173 | Closed | 2026-08-12 00:09 | 2026-08-14 00:42 | Resolved | 1 - Information | D | A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Requested Business Entity documents provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Entity Formation Doc Indicator is Missing. Entity Formation Doc Indicator is Missing: Missing IRS EIN assignment and Secretary of state. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Business Entity documents provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXXX.XXX | NY | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXXX7843 | HILD2026NQM1-172 | Closed | 2026-08-13 03:11 | 2026-08-19 10:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Resolved-Received sales contract - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Missing a copy of the purchase contract (received were the Addendums). - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - Due Diligence Vendor-XX/XX/XXXX Resolved-Received sales contract - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXX XXXXXXXX.XXX | OR | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX7843 | HILD2026NQM1-172 | Closed | 2026-08-13 10:29 | 2026-08-19 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Received documents for a recently opened for the Aven loan XXXX. PG XX of the documents reflects a VOM signed X/X/XXXX verifying X.XX due on next pay date and the last payment date was X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. This is a second lien just opened so no payment history. The first mortgage history is on the credit report. - Seller-XX/XX/XXXX Open-VOR/VOM Doc Status should not be 'Missing'. Missing a XX month pay history / documentation that the loan was recently opened for the Aven loan XXXX with a payment of XXX.XX per month, as per Housing History requirements on the matrix X/X/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. This is a second lien just opened so no payment history. The first mortgage history is on the credit report. - Seller-XX/XX/XXXX |
Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX Resolved-Received documents for a recently opened for the Aven loan XXXX. PG XX of the documents reflects a VOM signed X/X/XXXX verifying X.XX due on next pay date and the last payment date was X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXX.XXX | OR | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX7854 | HILD2026NQM1-195 | Closed | 2026-08-14 11:30 | 2026-08-19 09:33 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount. | Resolved-GL is $XXX,XXX back to the BX, not the loan amount. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited Loan Amount of $XXXXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXXXXX - Due Diligence Vendor-XX/XX/XXXX Ready for Review-This means the amount of cash out, not the amount of the loan. The cash out to customer is roughly $XXXk. - Seller-XX/XX/XXXX Open-Audited Loan Amount of $XXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXX Audited Loan Amount of $XXX,XXX is greater than the Guideline Maximum Loan Amount of $XXX,XXX when LTV exceeds XX% on a cash out refinance - an exception was not found in the file. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-This means the amount of cash out, not the amount of the loan. The cash out to customer is roughly $XXXk. - Seller-XX/XX/XXXX |
Resolved-GL is $XXX,XXX back to the XXXX, not the loan amount. - Due Diligence Vendor-XX/XX/XXXX Resolved-Audited Loan Amount of $XXXXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXXXXX - Due Diligence Vendor-XX/XX/XXXX |
IL | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A | ||||
| XXXX | XXXXX6724 | HILD2026NQM1-187 | Closed | 2026-08-20 14:12 | 2026-08-24 07:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-LOX from the borrower regarding the payment of rent in cash received - Due Diligence Vendor-XX/XX/XXXX Resolved-LOX from the borrower regarding the payment of rent in cash received - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Housing History Does Not Meet Guideline Requirements Provide LOX from the borrower regarding the payment of rent in cash. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-LOX from the borrower regarding the payment of rent in cash received - Due Diligence Vendor-XX/XX/XXXX Resolved-LOX from the borrower regarding the payment of rent in cash received - Due Diligence Vendor-XX/XX/XXXX Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |
XXX - XXXX XXXXXXXX.XXX | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX6724 | HILD2026NQM1-187 | Closed | 2026-08-20 14:22 | 2026-08-24 07:21 | Resolved | 1 - Information | D | A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated XXXX reflecting correct FICO XXX received. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Qualifying FICO on XXXX does not match Qualifying FICO per Guidelines. Please confirm the correct Qualifying FICO. Qualifying FICO on XXXX reflects XXX; however, Credit Report reflects Qualifying FICO XXX per guidelines. Confirm the the correct Qualifying FICO. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Updated XXXX reflecting correct FICO XXX received. - Due Diligence Vendor-XX/XX/XXXX Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX.XXX | NJ | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX6724 | HILD2026NQM1-187 | Closed | 2026-08-17 02:58 | 2026-08-21 06:03 | Acknowledged | 2 - Non-Material | B | B | Compliance | Mavent | NJ Fee Not Allowed- Unknown Fees – Non-Finance Charge (Fee ID: XXXX) | Acknowledged-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Unknown Fees – Non-Finance Charge (Fee ID: XXX) 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 | Acknowledged-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Unknown Fees – Non-Finance Charge (Fee ID: XXX) 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 |
NJ | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No | |||||
| XXXX | XXXXX6724 | HILD2026NQM1-187 | Closed | 2026-08-20 15:33 | 2026-08-21 06:02 | Acknowledged | 2 - Non-Material | B | B | Compliance | Mavent | NJ Fee Not Allowed- Document Storage/Archive/Copies (Fee ID: XXXX) | Acknowledged-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Document Storage/Archive/Copies (Fee ID: XXX) 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 | Acknowledged-Section X:X-XX.X of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. X:X-XX.X) does not allow Document Storage/Archive/Copies (Fee ID: XXX) 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 |
NJ | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No | |||||
| XXXX | XXXXX6724 | HILD2026NQM1-187 | Closed | 2026-08-20 14:40 | 2026-08-20 14:40 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months). | Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception page XXX Min Subject Months Reserves- Loan File X.XX months, GL Requirement min X months Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception page XXX Min Subject Months Reserves- Loan File X.XX months, GL Requirement min X months Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
XX.XX% DTI is below the maximum XX% DTI by XX.XX%. XXX Representative credit score exceeds the minimum required of XXX by XX points Borrower has $XX,XXX.XX residual income after all expenses. Minimum required per guideline is $X,XXX. Borrower Contribution >X% above min- Loan File XX% of sales price, GL Requirement XX% of sales price Consumer Payment History- Loan File 0x30xXXX months, GL Requirement 0x60xXX months Borrower has been employed at current job for X.X years. |
NJ | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes | ||||
| XXXX | XXXXX7058 | HILD2026NQM1-206 | Closed | 2026-08-18 15:09 | 2026-08-31 10:13 | Resolved | 1 - Information | C | A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Received signed DOT with a Notary date of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Note Date/Deed of Trust of XX-XX-XXXX is greater than Notary Acknowledgment Date of XX-XX-XXXX on the Deed of Trust. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received signed DOT with a Notary date of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX XXX XXXXXXXX.XXX | WA | Investment | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX7058 | HILD2026NQM1-206 | Closed | 2026-08-18 07:53 | 2026-08-20 10:43 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Waiver in file. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Exception accepted by the Lender below for X.XX Acres. : page #XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Exception in file. - Seller-XX/XX/XXXX Open-Exception Provided in page #XXX. Maximum area allowed as per Guidelines : X.X Acres Subject property area : X.XX Acres. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Exception in file. - Seller-XX/XX/XXXX |
Waived-Waiver in file. - Due Diligence Vendor-XX/XX/XXXX |
XX LTV is below the maximum XX LTV by XX%. $XXX,XXX.XX reserves exceed the minimum required of $X,XXX.XX exceeds the minimum by $XXX,XXX.XX over the required minimum. XXX Representative credit score exceeds the minimum required credit score of XXX by XX Points. |
WA | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||
| XXXX | XXXXX7001 | HILD2026NQM1-171 | Closed | 2026-08-25 13:32 | 2026-08-26 05:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Replacement Cost cover letter page XXX is missing screen print as indicated. Provide screen print. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX |
XXX XXXX.XXX | CA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||
| XXXX | XXXXX7031 | HILD2026NQM1-193 | Closed | 2026-08-21 05:07 | 2026-08-27 05:19 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Ineligible Borrower per program guidelines. | Waived-Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX Ready for Review- - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception. - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Waived-Client elects to waive with the following compensating factors. TPR agrees. - Due Diligence Vendor-XX/XX/XXXX |
XXXX XXXXXXXXX.XXX | Personal Guaranty with Full Recourse XX% LTV is below the maximum XX% LTV by X%. XX.XX% DTI is below the maximum XX% DTI by X.XX%. |
NJ | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | Yes | ||
| XXXX | XXXXX7031 | HILD2026NQM1-193 | Closed | 2026-08-21 05:07 | 2026-08-26 09:01 | Acknowledged | 2 - Non-Material | B | B | Compliance | State Reg | NJ Prepayment Penalty Prohibited | Acknowledged-Per XX XXXXXXXXX X XXXXXXXXXX X XX:XX-X, mortgage loans may be prepaid without penalty. Based on legal interpretation of the statute and outside counsel guidance, the exception permitting prepayment penalties is limited to corporate borrowers; therefore, because the borrower is not a corporation, the BPL prepayment penalty is not permitted. Lender has acknowledged condition and advises that it is immaterial. - Due Diligence Vendor-XX/XX/XXXX | Acknowledged-Per XX XXXXXXXXX X XXXXXXXXXX X XX:XX-X, mortgage loans may be prepaid without penalty. Based on legal interpretation of the statute and outside counsel guidance, the exception permitting prepayment penalties is limited to corporate borrowers; therefore, because the borrower is not a corporation, the BPL prepayment penalty is not permitted. Lender has acknowledged condition and advises that it is immaterial. - Due Diligence Vendor-XX/XX/XXXX |
NJ | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No | |||||
| XXXX | XXXXX7889 | HILD2026NQM1-174 | Closed | 2026-08-20 02:18 | 2026-08-25 14:40 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#’ XXX 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 copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. ( XX CFR § XXXX.XX(a)(X) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s XXX and the Final Closing disclosure on Pg#’s XX-XX reflects escrows. Rate lock date was entered correctly – see Pg#’ XXX 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 copy of the appraisal was given to the borrower – see Pg#’s XX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |
PA | Primary Residence | Purchase | NA | XXXX | N/A | N/A | |||||
| XXXX | XXXXX8138 | HILD2026NQM1-202 | Closed | 2026-08-31 16:43 | 2026-09-01 09:26 | Waived | 1 - Information | A | A | Compliance | Broker:LimitFees | Tennessee - Max Broker Fees (RLBSA) | Waived-Per XX regulator the X% max broker fee limitation does not apply if the loan is secured by a Xst mortgage on residential real property. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Waived-Per XX regulator the X% max broker fee limitation does not apply if the loan is secured by a Xst mortgage on residential real property. - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Waived-Per XX regulator the X% max broker fee limitation does not apply if the loan is secured by a Xst mortgage on residential real property. - Due Diligence Vendor-XX/XX/XXXX Open-The total of all fees paid by the borrower to the broker ($XX,XXX.XX) exceeds X% of the loan amount ($XX,XXX.XX). The Tennessee Residential Lending, Brokerage, and Servicing Act limits the brokerage commission to X% of the loan amount. Brokerage commissions include all fees paid to parties for services performed in the origination and placement of mortgage loans with third party lenders, whether the loans are closed directly in the name of the lender or in the name of another party with the intention to sell and transfer the loan; provided such sale or transfer is completed within one year from closing. (Tenn. Code Ann. XX-XX-XXX(c); XX ADC XXXX-XX-.XX(X)) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Waived-Per XX regulator the X% max broker fee limitation does not apply if the loan is secured by a Xst mortgage on residential real property. - Due Diligence Vendor-XX/XX/XXXX Waived-Per XX regulator the X% max broker fee limitation does not apply if the loan is secured by a Xst mortgage on residential real property. - Due Diligence Vendor-XX/XX/XXXX Waived-Per XX regulator the X% max broker fee limitation does not apply if the loan is secured by a Xst mortgage on residential real property. - Due Diligence Vendor-XX/XX/XXXX |
TN | Second Home | Purchase | NA | XXXX | Originator Pre-Close | Yes | |||||
| XXXX | XXXXX8138 | HILD2026NQM1-202 | Closed | 2026-08-26 07:42 | 2026-08-31 16:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial Closing disclosure received and complete. Resolved - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-TRID: Missing Closing Disclosure Missing Initial Closing Disclosure in this File - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Requested Initial Closing disclosure received and complete. Resolved - Due Diligence Vendor-XX/XX/XXXX |
XXXXXX XX.XXX XXXXXX XX.XXX |
Requested Initial Closing disclosure received and complete. Resolved | TN | Second Home | Purchase | NA | XXXX | N/A | N/A | ||
| XXXX | XXXXX0929 | HILD2026NQM1-229 | Closed | 2026-08-27 11:07 | 2026-09-02 14:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Upon further review of primary housing payment history, credit report reflects XxXX in most recent XX months for Xst lien and for the Xnd lien; statement indicating X late payments provided. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. The mortgage statements provided in CLP and submitted again attached (in addition to X/XX statement previously uploaded again) show payment dates of each payment made and is sufficient to show payment history. Per Title Mortgage as only been open since XX/XX so there is not a XX mo payment history. Per the mortgage statements the loan has a Suspense balance, which means the lender/servicer has received the money for the mortgage payments and they are applied each month. Reason for the mortgage statement showing “applied suspense funds” in the payment section. On the statement dated X/XX/XX the “suspense balance” was $XXX,XXX, which means the borrower has X payments left to be applied (May, June, July, and August). This is why the July statement reflects a balance of $XX,XXX, which is sufficient to cover August. The April statement reflects YTD payments of $XX,XXX.XX and states $XX,XXX “paid last month”. It can be concluded the March payment was paid and the $XX,XXX.XX to include February, March and actually have $XX,XXX.XX that may have been for part of January since the loan was obtained in December. In any event this is a Suspense Balance transaction, so payments were collected at closing to at least cover thru August XXXX. Please re-review and clear condition. - Seller-XX/XX/XXXX Counter-Received a mortgage statement that reflects # Late Payments (Xx XX,XXX.XX) on the current statement, it does not reflect that the information is for a XX/XX month period, also mortgage statements are not the eligible document list below. Missing XX month pay history / VOM from XXX XXXX XXXXXX XXXXX. AS per out most recent guidelines on file. XXXXX XXXXX X/X/XXXX VX.X: X.XX Credit: Verification of Mortgage The following are acceptable for verifying mortgage payments: · A current credit bureau report or credit supplement · An institutional Verification of Mortgage (VOM) · Images of canceled checks (front and back) · Bank statements showing ACH transaction . - Due Diligence Vendor-XX/XX/XXXX Counter-Received is a copy of the mortgage statement in place of a VOM XXX XXXX XXXXXX XXXXX that was paid at closing. Unable to resolve finding due to Xxxx Xxxxx guideline in file does not state that a mortgage statement reflecting no late fees is an eligible document in place of a XX month pay history on the subject property. Please either upload a VOM or updated Xxxx Xxxxx guideline book. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. XXX XXXX Loan Statement shows X lates and is a "Verification of Mortgage" as on statement where highlighted indicates X lates - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-VOR/VOM Doc Status should not be 'Missing'. Missing VOM XXX XXXX XXXXXX XXXXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. The mortgage statements provided in CLP and submitted again attached (in addition to X/XX statement previously uploaded again) show payment dates of each payment made and is sufficient to show payment history. Per Title Mortgage as only been open since XX/XX so there is not a XX mo payment history. Per the mortgage statements the loan has a Suspense balance, which means the lender/servicer has received the money for the mortgage payments and they are applied each month. Reason for the mortgage statement showing “applied suspense funds” in the payment section. On the statement dated X/XX/XX the “suspense balance” was $XXX,XXX, which means the borrower has X payments left to be applied (May, June, July, and August). This is why the July statement reflects a balance of $XX,XXX, which is sufficient to cover August. The April statement reflects YTD payments of $XX,XXX.XX and states $XX,XXX “paid last month”. It can be concluded the March payment was paid and the $XX,XXX.XX to include February, March and actually have $XX,XXX.XX that may have been for part of January since the loan was obtained in December. In any event this is a Suspense Balance transaction, so payments were collected at closing to at least cover thru August XXXX. Please re-review and clear condition. - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. XXX XXXX Loan Statement shows X lates and is a "Verification of Mortgage" as on statement where highlighted indicates X lates - Seller-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Upon further review of primary housing payment history, credit report reflects XxXX in most recent XX months for Xst lien and for the Xnd lien; statement indicating X late payments provided. Condition resolved. - Due Diligence Vendor-XX/XX/XXXX |
XXXX-XX-XX - XXX XXXX - XXXX XXXXXXXXX - XXX XXXXXX~X.XXX XXXXX XXXX - XXX XXXX XXXX XXXXXXXXX XXXXX X XXXXX XXX XX X XXXXXXXXXXXX XX XXXXXXXX XX XX XXXXXXXXX XXXXX XXXXXXXXXXX XXXXXXXXX X XXXXX.XXX XXXXX XXXX - XXXXXXXXXX XXX XXXX XXXX XXXXXXXXXX.XXX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXXX0929 | HILD2026NQM1-229 | Closed | 2026-08-27 11:20 | 2026-09-02 08:56 | Resolved | 1 - Information | D | A | Credit | Eligibility | Audited Guideline LTV exceeds OVERLAY Guideline LTV | Resolved-Received confirmation via Processor Cert that the CPA files the last X years tax returns. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. CPA letter indicated she prepared the tax returns and XX has completed processor cert confirming she also filed last X years tax returns. Please see attached and clear condition. - Seller-XX/XX/XXXX Counter-The exception does not include verification that the most recent tax returns were filed. As such a XX% LTV reduction may be required for the P&L program and may not match the exception LTV. (Exception in the file may not be for the correct LTV stated) - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Exception in file, please clear - Seller-XX/XX/XXXX Open-Audited Guideline LTV exceeds OVERLAY Guideline LTV: Missing documentation verifying the most recent tax returns were filed, as XX% LTV reduction was required for the P&L program. (Exception in the file may not be for the correct LTV stated) - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. CPA letter indicated she prepared the tax returns and XX has completed processor cert confirming she also filed last X years tax returns. Please see attached and clear condition. - Seller-XX/XX/XXXX Ready for Review-Exception in file, please clear - Seller-XX/XX/XXXX |
Resolved-Received confirmation via Processor Cert that the CPA files the last X years tax returns. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX - XXX XXXX.XXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXXX0929 | HILD2026NQM1-229 | Closed | 2026-08-27 06:12 | 2026-08-31 16:43 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount. | Waived-Waiver in file for Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX: Exception received on PG XXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Client did not select unable to resolve. Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX: Exception received on PG XXX for Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Ok not understanding why this was countered when the loan amount matches the loan and exception? Please either clear or be more specific as to why you cannot clear. - Seller-XX/XX/XXXX Counter-Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX: Exception received on PG XXX for Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Yes please move forward with exception provided - Seller-XX/XX/XXXX Open-Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX Exception received on PG XXX for Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX: Exception Requested: Loan amount exception and LTV to $X,XXX,XXX XX.XXX%. Max allowed XX% LTV - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Ok not understanding why this was countered when the loan amount matches the loan and exception? Please either clear or be more specific as to why you cannot clear. - Seller-XX/XX/XXXX Ready for Review-Yes please move forward with exception provided - Seller-XX/XX/XXXX |
Waived-Waiver in file for Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX: Exception received on PG XXX. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX.XXX | XXX Representative credit score exceeds the minimum required credit score of XXX by XX Points. XX.XX% DTI is XX.XX% below maximum DTI of XX%. Borrower has been employed at current job for XX years. |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes | ||
| XXXX | XXXXX0929 | HILD2026NQM1-229 | Closed | 2026-08-27 10:52 | 2026-08-31 16:27 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV. | Waived-Waiver in file for loan amount exception and LTV to $X,XXX,XXX XX.XXX%. Max allowed XX% LTV. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Loan amount exception and LTV to $X,XXX,XXX XX.XXX%. Max allowed XX% LTV - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Again not understanding why exception is not clearing this condition. - Seller-XX/XX/XXXX Counter-AUDITED LTV EXCEEDS GUIDELINE LTV : Exception received on PG XXX for LTV XX.XXX%.and max allowed is XX% LTV. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Exception cover this, please clear - Seller-XX/XX/XXXX Open-Audited LTV of XX.XX% exceeds Guideline LTV of XX% Exception received on PG XXX for Audited Loan Amount of $XXXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXXX: Exception Requested: Loan amount exception and LTV to $X,XXX,XXX XX.XXX%. Max allowed XX% LTV - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Again not understanding why exception is not clearing this condition. - Seller-XX/XX/XXXX Ready for Review-Exception cover this, please clear - Seller-XX/XX/XXXX |
Waived-Waiver in file for loan amount exception and LTV to $X,XXX,XXX XX.XXX%. Max allowed XX% LTV. - Due Diligence Vendor-XX/XX/XXXX |
XXXXXXXXX.XXX | XXX Representative credit score exceeds the minimum required credit score of XXX by XX Points. XX.XX% DTI is XX.XX% below maximum DTI of XX%. Borrower has been employed at current job for XX years. |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes | ||
| XXXX | XXXXX0929 | HILD2026NQM1-229 | Closed | 2026-08-27 11:34 | 2026-08-31 09:05 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Received updated cost estimate to verify sufficient hazard coverage. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. Updated RCE provided shows insurance has sufficient coverage. Please clear condition. - Seller-XX/XX/XXXX Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Hazard Insurance Coverage Amount of $X,XXX,XXX is less than Replacement Cost Coverage Amount of $X,XXX,XXX - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. Updated RCE provided shows insurance has sufficient coverage. Please clear condition. - Seller-XX/XX/XXXX |
Resolved-Received updated cost estimate to verify sufficient hazard coverage. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX XXXX - XXXXXXX XXX XXXXX XXXXXXXXX XXX XXXXXXXXXX XXXXXXXX.XXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXXX0929 | HILD2026NQM1-229 | Closed | 2026-08-27 11:40 | 2026-08-28 09:33 | Resolved | 1 - Information | D | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received fraud report with alerts cleared. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX Open-Fraud Report Shows Uncleared Alerts - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |
Resolved-Received fraud report with alerts cleared. - Due Diligence Vendor-XX/XX/XXXX |
XXXXX.XXXXXXXX.XXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | |||
| XXXX | XXXXX0929 | HILD2026NQM1-229 | Closed | 2026-08-27 05:31 | 2026-08-28 09:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Credit report is dated within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX Ready for Review-Updated credit report was provided X/XX/XX, no gap required - Seller-XX/XX/XXXX Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX |
Ready for Review-Updated credit report was provided X/XX/XX, no gap required - Seller-XX/XX/XXXX |
Resolved-Credit report is dated within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A | ||||
| XXXX | XXXXX0929 | HILD2026NQM1-229 | Closed | 2026-08-27 06:55 | 2026-08-27 14:09 | Resolved | 1 - Information | C | A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-XXXXXXXXXX - Interest Rate Accrual Warning (Civ. Code) - Due Diligence Vendor-XX/XX/XXXX Resolved- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX Open-Under the XXXXXXXXXX Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in XXXXXXXXXX prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX.X) - Due Diligence Vendor-XX/XX/XXXX Open- - Due Diligence Vendor-XX/XX/XXXX |
Resolved-XXXXXXXXXX - Interest Rate Accrual Warning (Civ. Code) - Due Diligence Vendor-XX/XX/XXXX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |