Exhibit 99.2 Schedule 4
| Marketing ID | Seller | Loan ID | Borrower Last Name | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Resolved/Cured Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| 3 | XXXX | XXXX | XXXX | Closed | 2026-07-23 09:58 | 2026-10-02 09:59 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.09% exceeds Guideline DTI of 43% Lender Guideline states Max DTI for FTHB as 43% despite this requirement loan file reflects DTI as 49.086%. Lender Provided Approved exception Stating "SLE approved subject to the parameters upto Max DTI 50%" Dated prior to consummation and all Compensating factors have been verified and met. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-07/XX/2026 | Waived-Audited DTI of
49.09% exceeds Guideline DTI of 43% Lender Guideline states Max DTI for FTHB
as 43% despite this requirement loan file reflects DTI as 49.086%. Lender
Provided Approved exception Stating "SLE approved subject to the
parameters upto Max DTI 50%" Dated prior to consummation and all
Compensating factors have been verified and met. Finding is non-material, and loan will be
graded a B. - Due Diligence Vendor-07/23/2026 |
Reserves: $12k actual vs
$6k required (12 months vs required 3 months for loan amount + 3 months for
DTI over 45%) FICO: 766 FICO vs 720 required (46 points higher than min requirement) LTV: 49% LTV vs 90% guideline (41% cushion from max LTV) |
MI | Primary Residence | Purchase | NA | 10427469 | Originator Pre-Close | Yes | ||||||
| 3 | XXXX | XXXX | XXXX | Closed | 2026-07-22 13:11 | 2026-10-02 09:58 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History
Does Not Meet Guideline Requirements Lender Guideline states Housing History
is required, despite this requirement Borrower is living rent free. Lender
Provided Approved exception stating " Borrower is a FTHB without a
traditional housing expense. Requesting exception as borrower was on the
mortgage but never on title; making the borrower FTHB with living rent free.
" Dated prior to consummation and all Compensating factors have been
verified and met. - Due Diligence Vendor-07/XX/2026 |
Waived-Housing History Does
Not Meet Guideline Requirements Lender Guideline states Housing History is
required, despite this requirement Borrower is living rent free. Lender
Provided Approved exception stating " Borrower is a FTHB without a
traditional housing expense. Requesting exception as borrower was on the
mortgage but never on title; making the borrower FTHB with living rent free.
" Dated prior to consummation and all Compensating factors have been
verified and met. - Due Diligence Vendor-07/22/2026 |
Reserves: $12k actual vs
$6k required (12 months vs required 3 months for loan amount + 3 months for
DTI over 45%) FICO: 766 FICO vs 720 required (46 points higher than min requirement) LTV: 49% LTV vs 90% guideline (41% cushion from max LTV) |
MI | Primary Residence | Purchase | NA | 10409326 | Originator Pre-Close | Yes | ||||||
| 6 | XXXX | XXXX | XXXX | Closed | 2026-07-28 04:09 | 2026-10-02 14:28 | 2026-10-02 14:28 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved- - Due Diligence
Vendor-10/XX/2026 Rescinded-Document Uploaded. Independent verification confirms XXwas licensed at the time of the appraisal - since 8/XX/1984 - Due Diligence Vendor-07/XX/2026 Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-07/XX/2026 |
Rescinded-Document
Uploaded. Independent verification confirms XXXX was licensed at the time of
the appraisal - since 8/21/1984 - Due Diligence Vendor-07/29/2026 |
XXXX | SC | Second Home | Refinance | No Cash Out - Borrower Initiated | 10484093 | N/A | N/A | |||||
| 6 | XXXX | XXXX | XXXX | Closed | 2026-07-22 08:50 | 2026-07-22 08:50 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-07/22/2026 |
SC | Second Home | Refinance | No Cash Out - Borrower Initiated | 10400319 | Originator Pre-Close | Yes | |||||||
| 17 | XXXX | XXXX | XXXX | Closed | 2026-07-24 09:28 | 2026-08-05 13:45 | 2026-08-05 13:45 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Evidence of
Insurance received for XXXX & XXXX, XXXX confirmed with Schedule E.
Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. - Buyer-08/XX/2026 Open-Missing Evidence of Insurance for property XXXX &XXXX on final application. - Due Diligence Vendor-07/XX/2026 |
Resolved-Evidence of
Insurance received for XXXX & XXXX, XXXX confirmed with Schedule E.
Resolved. - Due Diligence Vendor-08/05/2026 |
XXXX | OR | Investment | Purchase | NA | 10449162 | N/A | N/A | |||||
| Dropped | XXXX | XXXX | XXXX | Closed | 2026-08-06 10:25 | 2026-08-06 10:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/06/2026 |
FL | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or XXXX | 10666982 | Investor Post-Close | No | |||||||
| 50 | XXXX | XXXX | XXXX | Closed | 2026-07-22 10:46 | 2026-07-22 10:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuation reports are within tolerance. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Provided valuation
reports are within tolerance. - Due Diligence Vendor-07/22/2026 |
MN | Second Home | Purchase | NA | 10405127 | Investor Post-Close | No | |||||||
| 57 | XXXX | XXXX | XXXX | Closed | 2026-07-22 10:51 | 2026-10-02 10:00 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived-FTHB with no
housing expense are not allowed as per GL topic 26.FTHB however Lender
provided approved exception dated prior to consummation and all lender
compensating factors have been documented and validated - Due Diligence Vendor-07/XX/2026 |
Waived-FTHB with no housing
expense are not allowed as per GL topic 26.FTHB however Lender provided
approved exception dated prior to consummation and all lender compensating
factors have been documented and validated - Due Diligence Vendor-07/22/2026 |
1.Reserves: $49k actual vs
$10,800.00 required (13 months vs required 3 months for loan amount)--With
gift funds, they have 19 months of reserves.-VERIFIED 2.DTI: 22% DTI vs 50% guideline -VERIFIED 3.LTV: 85% LTV vs 90% guideline (5% cushion from max LTV) -VERIFIED |
NH | Primary Residence | Purchase | NA | 10405248 | Originator Pre-Close | Yes | ||||||
| 67 | XXXX | XXXX | XXXX | Closed | 2026-08-05 15:38 | 2026-08-11 04:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary valuation is within tolerance - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Secondary valuation is
within tolerance - Due Diligence Vendor-08/05/2026 |
MA | Primary Residence | Purchase | NA | 10649348 | Investor Post-Close | No | |||||||
| 71 | XXXX | XXXX | XXXX | Closed | 2026-08-05 13:05 | 2026-08-17 09:09 | 2026-08-17 09:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. - Buyer-08/XX/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-08/17/2026 |
XXXX | IA | Investment | Refinance | Cash Out - Other | 10645851 | N/A | N/A | |||||
| 71 | XXXX | XXXX | XXXX | Closed | 2026-08-05 13:05 | 2026-08-17 09:09 | 2026-08-17 09:09 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower
Identification - Borrower 2 provided. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. - Buyer-08/XX/2026 Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower
Identification - Borrower 2 provided. - Due Diligence Vendor-08/17/2026 |
XXXX | IA | Investment | Refinance | Cash Out - Other | 10645852 | N/A | N/A | |||||
| 75 | XXXX | XXXX | XXXX | Closed | 2026-07-27 13:07 | 2026-07-27 13:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-07/27/2026 |
CO | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or XXXX | 10473069 | Investor Post-Close | No | |||||||
| 81 | XXXX | XXXX | XXXX | Closed | 2026-08-05 15:17 | 2026-08-05 15:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/05/2026 |
FL | Primary Residence | Purchase | NA | 10649077 | Investor Post-Close | No | |||||||
| 84 | XXXX | XXXX | XXXX | Closed | 2026-07-22 10:37 | 2026-07-29 11:36 | 2026-07-29 11:36 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant:
Appraisal present; evidence appraisal was provided to applicant. condition
resolved. - Due Diligence Vendor-07/XX/2026 Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Appraisal Delivery is attached. - Buyer-07/XX/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-07/XX/2026 |
Resolved-ECOA Compliant:
Appraisal present; evidence appraisal was provided to applicant. condition
resolved. - Due Diligence Vendor-07/29/2026 Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-07/29/2026 |
XXXX | MD | Primary Residence | Purchase | NA | 10404939 | N/A | N/A | |||||
| 98 | XXXX | XXXX | XXXX | Closed | 2026-07-22 15:56 | 2026-07-22 15:56 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Most Recent Primary Appraisal Date of Appraiser Signature Date is after the Primary Appraisal Delivery Date of Appraisal Delivery Date. - Due Diligence Vendor-07/XX/2026 | Acknowledged-ECOA
Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Most
Recent Primary Appraisal Date of Appraiser Signature Date is after the
Primary Appraisal Delivery Date of Appraisal Delivery Date. - Due Diligence
Vendor-07/22/2026 |
CA | Primary Residence | Purchase | NA | 10413403 | Investor Post-Close | No | |||||||
| 103 | XXXX | XXXX | XXXX | Closed | 2026-08-05 14:15 | 2026-08-05 14:15 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/05/2026 |
FL | Second Home | Purchase | NA | 10647379 | Investor Post-Close | No | |||||||
| 108 | XXXX | XXXX | XXXX | Closed | 2026-07-22 13:40 | 2026-07-22 13:40 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. This finding is
non-material and will be rated a B for all agencies - Due Diligence
Vendor-07/22/2026 |
FL | Second Home | Purchase | NA | 10409899 | Investor Post-Close | No | |||||||
| 116 | XXXX | XXXX | XXXX | Closed | 2026-08-06 09:17 | 2026-08-13 15:59 | 2026-08-13 15:59 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent
documentation for borrower(s) provided. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. - Buyer-08/XX/2026 Counter-Electronic signature pg. 600 dated XXXX. Loan estimated electronically signed dated XXXX prior to disclosure pg. 600. Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-eConsent is on page 600 or 1300 in the original upload. Kindly Overturn finding. - Buyer-08/XX/2026 Open-E-Consent documentation is missing for borrower(s). E-consent missing as there is no document available, - Due Diligence Vendor-08/XX/2026 |
Resolved-E-Consent
documentation for borrower(s) provided. - Due Diligence Vendor-08/13/2026 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 10664570 | N/A | N/A | |||||
| 116 | XXXX | XXXX | XXXX | Closed | 2026-08-06 09:44 | 2026-08-10 21:16 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/06/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 10665167 | Investor Post-Close | No | |||||||
| 122 | XXXX | XXXX | XXXX | Closed | 2026-07-22 12:28 | 2026-10-02 11:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A - Due Diligence
Vendor-10/XX/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Acknowledge - Due Diligence Vendor-07/XX/2026 |
Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A - Due Diligence
Vendor-10/02/2026 |
TX | Primary Residence | Purchase | NA | 10408347 | Investor Post-Close | No | |||||||
| 129 | XXXX | XXXX | XXXX | Closed | 2026-08-10 21:22 | 2026-08-13 15:45 | 2026-08-13 15:45 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Updated Search provided. No changes to the XX Search. - Buyer-08/XX/2026 Counter-Affidavit declaration pg. 20 is not dated. xx search pg. xx-848 xx >20 prior to closing. Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-Please refer to the Affidavit Declaration from XXXX on pg 20 of 1248 pages and the 3rd Party Search (XX) pages 842 - 848 of 1248. Kindly Overturn Finding. - Buyer-08/XX/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower 1 3rd
Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/13/2026 |
XXXX | FL | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or XXXX | 10727763 | N/A | N/A | |||||
| 129 | XXXX | XXXX | XXXX | Closed | 2026-08-10 21:22 | 2026-08-13 15:45 | 2026-08-13 15:45 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd
Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers
equals 2) - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Updated Search provided. No changes to the XX Search. - Investor-08/XX/2026 Counter-Affidavit declaration pg. 20 is not dated. XX search pg. 842-848 dated >20 prior to closing. Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-Please refer to the Affidavit Declaration from XXXX on pg 20 of 1248 pages and the 3rd Party Search (XX) pages 842 - 848 of 1248. Kindly Overturn Finding. - Buyer-08/XX/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower 2 3rd
Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers
equals 2) - Due Diligence Vendor-08/13/2026 |
XXXX | FL | Second Home | Refinance | Limited Cash Out - <2% of Loan Amount or XXXX | 10727764 | N/A | N/A | |||||
| 137 | XXXX | XXXX | XXXX | Closed | 2026-08-05 10:01 | 2026-08-12 08:53 | 2026-08-12 08:53 | Resolved | 1 - Information | Credit | Missing Doc | Mortgage Insurance Cert Missing | Resolved-Mortgage
Insurance is Present and Mortgage Insurance Cert has been provided or
Mortgage Insurance is not Present - Due Diligence Vendor-08/XX/2026 Ready for Review-Per XXXX Product Profile Item 45, Mortgage Insurance is Not Required. - Buyer-08/XX/2026 Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing Mortgage Insurance Cert Missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Mortgage Insurance
is Present and Mortgage Insurance Cert has been provided or Mortgage
Insurance is not Present - Due Diligence Vendor-08/12/2026 |
IL | Primary Residence | Purchase | NA | 10641225 | N/A | N/A | ||||||
| 137 | XXXX | XXXX | XXXX | Closed | 2026-08-10 15:13 | 2026-08-10 15:13 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-08/10/2026 |
IL | Primary Residence | Purchase | NA | 10718583 | Investor Post-Close | No | |||||||
| 139 | XXXX | XXXX | XXXX | Closed | 2026-07-22 08:37 | 2026-08-03 08:30 | 2026-08-03 08:30 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance
Coverage Amount of XXXX is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. Attached is an email from the insurance agent confirming 100% replacement cost. - Buyer-07/XX/2026 Open-Hazard Insurance Coverage Amount of XXXX is less than Total Amount of Subject Lien(s) of XXXX The loan amount is XXXX and Coverage Amount- XXXX - Due Diligence Vendor-07/XX/2026 |
Resolved-Hazard Insurance
Coverage Amount of $xx is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-08/03/2026 |
XXXX | NC | Primary Residence | Purchase | NA | 10400023 | N/A | N/A | |||||
| 150 | XXXX | XXXX | XXXX | Closed | 2026-08-05 13:16 | 2026-08-05 13:16 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. S&P value equals B,
secondary product within tolerance. - Due Diligence Vendor-08/05/2026 |
UT | Investment | Purchase | NA | 10646218 | Investor Post-Close | No | |||||||
| 431 | XXXX | XXXX | XXXX | Closed | 2026-08-06 07:27 | 2026-08-06 07:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/06/2026 |
MA | Primary Residence | Purchase | NA | 10661889 | Investor Post-Close | No | |||||||
| 436 | XXXX | XXXX | XXXX | Closed | 2026-08-10 10:28 | 2026-08-13 16:18 | 2026-08-13 16:18 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Lender provided
updated hazard insurance documentation. - Due Diligence Vendor-08/XX/2026 Resolved-Hazard Insurance Effective Date of XX is prior to or equal to the Disbursement Date of XX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached hazard policy. Effective date was updated on 07-28 - Buyer-08/XX/2026 Open-Hazard Insurance Effective Date of XX is after the Disbursement Date of XX Hazard insurance eff date is after disbursement date - Due Diligence Vendor-08/XX/2026 |
Resolved-Lender provided
updated hazard insurance documentation. - Due Diligence Vendor-08/13/2026 Resolved-Hazard Insurance Effective Date of XXXX is prior to or equal to the Disbursement Date of XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-08/13/2026 |
XXXX | TX | Primary Residence | Purchase | NA | 10711098 | N/A | N/A | |||||
| 439 | XXXX | XXXX | XXXX | Closed | 2026-08-04 14:57 | 2026-08-12 09:10 | 2026-08-12 09:10 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Tax document
provided for REO. Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached tax bill. - Buyer-08/XX/2026 Open-missing required document for other REO 1003 sec 3B tax document is provided. The calculated tax amount is 302.84.(7.16) document is not provided. - Due Diligence Vendor-08/XX/2026 |
Resolved-Tax document
provided for REO. Resolved. - Due Diligence Vendor-08/12/2026 |
XXXX | FL | Investment | Purchase | NA | 10624833 | N/A | N/A | |||||
| 441 | XXXX | XXXX | XXXX | Closed | 2026-08-04 14:26 | 2026-08-04 14:26 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/04/2026 |
FL | Primary Residence | Purchase | NA | 10624113 | Investor Post-Close | No | |||||||
| 443 | XXXX | XXXX | XXXX | Closed | 2026-08-05 08:49 | 2026-08-05 08:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/05/2026 |
NY | Investment | Refinance | Cash Out - Other | 10639576 | Investor Post-Close | No | |||||||
| 444 | XXXX | XXXX | XXXX | Closed | 2026-08-10 20:38 | 2026-08-13 12:32 | 2026-08-13 12:32 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1
Executed 4506-T Provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. please find attached 4506 - Buyer-08/XX/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower 1
Executed 4506-T Provided - Due Diligence Vendor-08/13/2026 |
XXXX | NC | Investment | Purchase | NA | 10725905 | N/A | N/A | |||||
| 444 | XXXX | XXXX | XXXX | Closed | 2026-08-10 20:38 | 2026-08-13 12:32 | 2026-08-13 12:32 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2
Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) -
Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached 4506 - Buyer-08/XX/2026 Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-08/XX/2026 |
Resolved-Borrower 2
Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) -
Due Diligence Vendor-08/13/2026 |
XXXX | NC | Investment | Purchase | NA | 10725906 | N/A | N/A | |||||
| 450 | XXXX | XXXX | XXXX | Closed | 2026-07-13 14:30 | 2026-07-23 15:08 | 2026-07-23 15:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business purpose
provided, condition resolved. - Due Diligence Vendor-07/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached Business Purpose - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2026 |
Resolved-Business purpose
provided, condition resolved. - Due Diligence Vendor-07/23/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-07/23/2026 |
XXXX | PA | Investment | Purchase | NA | 10212355 | N/A | N/A | |||||
| 452 | XXXX | XXXX | XXXX | Closed | 2026-08-06 18:27 | 2026-08-06 18:27 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property | Waived-Exception to exceed
20 acres - subject XXXX acres. Lender
provided approved exception dated prior to consummation and all lender
compensating factors have been documented and validated. Finding is non-material, and loan will be
graded a B. - Due Diligence Vendor-08/XX/2026 |
Waived-Exception to exceed
20 acres - subject XXXX acres. Lender
provided approved exception dated prior to consummation and all lender
compensating factors have been documented and validated. Finding is non-material, and loan will be
graded a B. - Due Diligence Vendor-08/06/2026 |
CU with a score of 1.7. - Value is well supported, site Value is XXXX with a final value Appraised Value of XXXX -772 FICO | OR | Investment | Purchase | NA | 10675683 | Originator Pre-Close | Yes | ||||||
| 459 | XXXX | XXXX | XXXX | Closed | 2026-07-22 09:25 | 2026-07-22 09:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
PA | Primary Residence | Refinance | Cash Out - Other | 10401068 | Investor Post-Close | No | |||||||
| 461 | XXXX | XXXX | XXXX | Closed | 2026-06-24 07:30 | 2026-07-31 11:07 | 2026-06-30 17:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Thank you for
providing the BPA. Resolved. - Due
Diligence Vendor-06/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. business purpose - Buyer-06/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. The Business Purpose Loan Certification signed by the borrower is missing from file. - Due Diligence Vendor-06/XX/2026 |
Resolved-Thank you for
providing the BPA. Resolved. - Due
Diligence Vendor-06/30/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-06/30/2026 |
XXXX | MA | Investment | Purchase | NA | 9910574 | N/A | N/A | |||||
| 461 | XXXX | XXXX | XXXX | Closed | 2026-06-24 12:46 | 2026-07-31 11:06 | 2026-07-31 11:06 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-The Deed of Trust
is Present and Complete - Due Diligence Vendor-07/XX/2026 Ready for Review-Document received, finding resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. intent to rerecord - Buyer-07/XX/2026 Open-The Deed of Trust is Incomplete The file is missing clarification for the discrepancy for the following: The Deed identifies XXXX as the borrower; however, the Deed is only signed by the borrower in an individual capacity. - Due Diligence Vendor-06/XX/2026 |
Resolved-The Deed of Trust
is Present and Complete - Due Diligence Vendor-07/31/2026 |
XXXX | MA | Investment | Purchase | NA | 9918514 | N/A | N/A | |||||
| 464 | XXXX | XXXX | XXXX | Closed | 2026-07-23 15:26 | 2026-08-13 15:42 | 2026-08-13 15:42 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Loan was delayed
financing, there is no previous loan per the title documents. - Due Diligence
Vendor-08/XX/2026 Ready for Review-This transaction was structured as a Delayed Financing Reimbursement Mortgage Loan, not a payoff refinance. Title reflects no existing lien against the subject property, therefore no payoff statement exists or would be applicable. The XXXX shown on the CD represents reimbursement of funds previously used to acquire the property, and the file contains supporting reimbursement documentation - Buyer-08/XX/2026 Counter-Deed of Trust found in file, Payoff required. Condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-this is a delayed financing as there are typically no PO due to the required documents in file that source original funds - Buyer-08/XX/2026 Open-Missing Payoff Statement for prior loan. As per Final CD XXXX amount is getting paid off as delayed financing... The payoff is missing - Due Diligence Vendor-07/XX/2026 |
Resolved-Loan was delayed
financing, there is no previous loan per the title documents. - Due Diligence
Vendor-08/13/2026 |
OR | Primary Residence | Refinance | Delayed Financing | 10436806 | N/A | N/A | ||||||
| 464 | XXXX | XXXX | XXXX | Closed | 2026-07-22 09:58 | 2026-07-22 09:58 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
OR | Primary Residence | Refinance | Delayed Financing | 10401926 | Investor Post-Close | No | |||||||
| 470 | XXXX | XXXX | XXXX | Closed | 2026-07-24 15:13 | 2026-07-30 10:17 | 2026-07-30 10:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Verification
borrower is sole member of LLC received.
- Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached EIN letter showing borrower is sole member. - Buyer-07/XX/2026 Open-The loan file is missing an operating agreement or other documentation to verify ownership. - Due Diligence Vendor-07/XX/2026 |
Resolved-Verification
borrower is sole member of LLC received.
- Due Diligence Vendor-07/30/2026 |
XXXX | CA | Investment | Refinance | Delayed Financing | 10458753 | N/A | N/A | |||||
| 471 | XXXX | XXXX | XXXX | Closed | 2026-07-24 13:09 | 2026-07-30 10:22 | 2026-07-30 10:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Business Purpose - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/30/2026 |
XXXX | NY | Investment | Purchase | NA | 10455364 | N/A | N/A | |||||
| 473 | XXXX | XXXX | XXXX | Closed | 2026-07-22 10:06 | 2026-08-03 08:27 | 2026-08-03 08:27 | Resolved | 1 - Information | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy
Expiration Date of 07-xx-2027 is Equal to or After the Transaction Date of
XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached master policy. - Buyer-07/XX/2026 Open-Master Policy Expiration Date of 07-xx-2026 is Prior To the Transaction Date of XXXX Renewal master policy is missing - Due Diligence Vendor-07/XX/2026 |
Resolved-Master Policy
Expiration Date of 07-01-2027 is Equal to or After the Transaction Date of
XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence
Vendor-08/03/2026 |
XXXX | LA | Second Home | Purchase | NA | 10402092 | N/A | N/A | |||||
| 475 | XXXX | XXXX | XXXX | Closed | 2026-07-29 11:58 | 2026-08-05 14:33 | 2026-08-05 14:33 | Resolved | 1 - Information | Compliance | Missing Doc | Final Closing Disclosure is missing or incomplete | Resolved-Final Closing
Disclosure Received. Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached CD. - Buyer-08/XX/2026 Open-Final Closing Disclosure is missing or incomplete provide the complete, signed final CD as page 2 is missing - Due Diligence Vendor-07/XX/2026 |
Resolved-Final Closing
Disclosure Received. Resolved. - Due Diligence Vendor-08/05/2026 |
XXXX | FL | Primary Residence | Purchase | NA | 10516400 | N/A | N/A | |||||
| 475 | XXXX | XXXX | XXXX | Closed | 2026-07-29 10:21 | 2026-07-29 10:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/29/2026 |
FL | Primary Residence | Purchase | NA | 10513570 | Investor Post-Close | No | |||||||
| 480 | XXXX | XXXX | XXXX | Closed | 2026-07-22 12:48 | 2026-07-22 12:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
NC | Second Home | Purchase | NA | 10408791 | Investor Post-Close | No | |||||||
| 483 | XXXX | XXXX | XXXX | Closed | 2026-07-22 14:20 | 2026-07-22 14:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
AZ | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or XXXX | 10410745 | Investor Post-Close | No | |||||||
| 486 | XXXX | XXXX | XXXX | Closed | 2026-07-22 11:04 | 2026-07-22 12:38 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
FL | Second Home | Purchase | NA | 10405680 | Investor Post-Close | No | |||||||
| 495 | XXXX | XXXX | XXXX | Closed | 2026-07-22 08:12 | 2026-07-22 08:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuation reports are within tolerance. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Provided valuation
reports are within tolerance. - Due Diligence Vendor-07/22/2026 |
FL | Primary Residence | Purchase | NA | 10399469 | Investor Post-Close | No | |||||||
| 497 | XXXX | XXXX | XXXX | Closed | 2026-07-24 15:04 | 2026-07-30 10:25 | 2026-07-30 10:25 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Documents
provided verifying borrower is sole member of LLC - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Corp. documentation - Buyer-07/XX/2026 Open-The loan file is missing an operating agreement or other documentation to verify ownership. - Due Diligence Vendor-07/XX/2026 |
Resolved-Documents provided
verifying borrower is sole member of LLC - Due Diligence Vendor-07/30/2026 |
XXXX | NY | Investment | Purchase | NA | 10458600 | N/A | N/A | |||||
| 502 | XXXX | XXXX | XXXX | Closed | 2026-04-15 16:51 | 2026-10-02 11:37 | 2026-10-02 11:37 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Document uploaded
COC finding Resolved. - Due Diligence Vendor-10/XX/2026 Resolved-Resolved - Due Diligence Vendor-04/XX/2026 Ready for Review-Document Uploaded. coc - Buyer-04/XX/2026 Open- - Due Diligence Vendor-04/XX/2026 Open- - Due Diligence Vendor-04/XX/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($1,239.00). The actual total fee amount shows a credit amount of ($990.20). The following actual fees submitted as "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. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Closing Disclosure dated 03/XX/2026 indicates lender credit reduction, Valid COC is missing for the same. Closing disclosure dated 04/XX/2026 indicates change in Lender Credits, Valid COC is missing for the same. - Due Diligence Vendor-04/XX/2026 Open- - Due Diligence Vendor-04/XX/2026 Open- - Due Diligence Vendor-04/XX/2026 |
Resolved-Document uploaded
COC finding Resolved. - Due Diligence Vendor-10/02/2026 Resolved-Resolved - Due Diligence Vendor-04/23/2026 |
XXXX | IN | Primary Residence | Purchase | NA | 8692536 | N/A | N/A | |||||
| 502 | XXXX | XXXX | XXXX | Closed | 2026-04-15 16:31 | 2026-07-28 13:38 | 2026-07-28 13:38 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Lender provided
the appraisal update report. - Due Diligence Vendor-07/XX/2026 Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. 1004d - Buyer-07/XX/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis 1004D not provided. - Due Diligence Vendor-04/XX/2026 |
Resolved-Lender provided
the appraisal update report. - Due Diligence Vendor-07/28/2026 Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-07/28/2026 |
XXXX | IN | Primary Residence | Purchase | NA | 8692254 | N/A | N/A | |||||
| 502 | XXXX | XXXX | XXXX | Closed | 2026-04-15 16:51 | 2026-04-23 12:47 | 2026-04-23 12:47 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Lender provided
initial disclosures to shows Homeownership Counseling Disclosure Sent Date
was 03/XX/26. condition resolved. - Due Diligence Vendor-04/XX/2026 Resolved-Resolved - Due Diligence Vendor-04/XX/2026 Ready for Review-Document Uploaded. initial docs 031126 - Seller-04/XX/2026 Open-Acknowledged - Due Diligence Vendor-04/XX/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (2026-03-25) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-04/XX/2026 Open- - Due Diligence Vendor-04/XX/2026 Open- - Due Diligence Vendor-04/XX/2026 Open- - Due Diligence Vendor-04/XX/2026 Open- - Due Diligence Vendor-04/XX/2026 |
Homeownership Counseling Disclosure Sent
Date (2026-03-25) is more than 3 business days from the Application Date
(XXXX) - 04/18/2026 Ready for Review-Document Uploaded. initial docs XXXX - Seller-04/22/2026 |
Resolved-Lender provided
initial disclosures to shows Homeownership Counseling Disclosure Sent Date
was 03/11/26. condition resolved. - Due Diligence Vendor-04/23/2026 Resolved-Resolved - Due Diligence Vendor-04/23/2026 |
XXXX | IN | Primary Residence | Purchase | NA | 8692535 | N/A | N/A | ||||
| 502 | XXXX | XXXX | XXXX | Closed | 2026-04-15 16:51 | 2026-04-23 12:46 | 2026-04-23 12:46 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Lender provided
COC to shows Lender credit changed, condition resolved - Due Diligence
Vendor-04/XX/2026 Resolved-Lender provided COC to shows Lender credit changed, condition resolved - Due Diligence Vendor-04/XX/2026 Resolved-Lender provided COC to shows Lender credit changed, condition resolved - Due Diligence Vendor-04/XX/2026 Resolved-Resolved - Due Diligence Vendor-04/XX/2026 Ready for Review-Document Uploaded. coc - Investor-04/XX/2026 Open- - Due Diligence Vendor-04/XX/2026 Open- - Due Diligence Vendor-04/XX/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($1,239.00). The Last CD shows a total lender credit amount of ($990.20). 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. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Closing Disclosure dated 03/XX/2026 indicates lender credit reduction, Valid COC is missing for the same. Closing disclosure dated 04/XX/2026 indicates change in Lender Credits, Valid COC is missing for the same. - Due Diligence Vendor-04/XX/2026 Open- - Due Diligence Vendor-04/XX/2026 Open- - Due Diligence Vendor-04/XX/2026 |
Resolved-Lender provided
COC to shows Lender credit changed, condition resolved - Due Diligence
Vendor-04/23/2026 Resolved-Lender provided COC to shows Lender credit changed, condition resolved - Due Diligence Vendor-04/23/2026 Resolved-Lender provided COC to shows Lender credit changed, condition resolved - Due Diligence Vendor-04/23/2026 Resolved-Resolved - Due Diligence Vendor-04/23/2026 |
XXXX | IN | Primary Residence | Purchase | NA | 8692534 | N/A | N/A | |||||
| 503 | XXXX | XXXX | XXXX | Closed | 2026-07-22 14:43 | 2026-07-22 14:43 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
CA | Primary Residence | Purchase | NA | 10411329 | Investor Post-Close | No | |||||||
| 507 | XXXX | XXXX | XXXX | Closed | 2026-07-22 13:03 | 2026-08-11 12:51 | 2026-08-11 12:51 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documents
confirming payment history received. -
Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached CDs. - Buyer-08/XX/2026 Counter-Please provide evidence of the closing date of the below referenced loans to confirm no payments due. Finding remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-UW response: The requested vom's are not available as these are all brand new loans that the borrower took out with XXXX and closed together with this loan. - Buyer-08/XX/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. A VOM for REO #3d (XXXX) (XXXX) and REO #3e (XXXX) are missing. - Due Diligence Vendor-07/XX/2026 |
Resolved-Documents
confirming payment history received. -
Due Diligence Vendor-08/11/2026 |
XXXX | FL | Investment | Refinance | Cash Out - Other | 10409174 | N/A | N/A | |||||
| 509 | XXXX | XXXX | XXXX | Closed | 2026-08-06 14:49 | 2026-08-06 14:49 | Waived | 2 - Non-Material | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out Does Not
Meet Guideline Requirements Exception is for borrowers receiving XXXX cash
out when the max is $500k. (Divided amongst a 3-pack) Lender provided
approved exception dated prior to consummation and all lender compensating
factors have been documented and validated.
Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/XX/2026 |
Waived-Cash Out Does Not
Meet Guideline Requirements Exception is for borrowers receiving XXXX cash
out when the max is $500k. (Divided amongst a 3-pack) Lender provided
approved exception dated prior to consummation and all lender compensating
factors have been documented and validated.
Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-08/06/2026 |
0X30x48 on all mortgages vs 0x30x12 required. lowest DSCR of the three is 1.23, and 1.00 required. 754 fico vs 720 required. $92,349 own assets vs the $18,000 required. | TX | Investment | Refinance | Cash Out - Other | 10672915 | Originator Pre-Close | Yes | ||||||
| 511 | XXXX | XXXX | XXXX | Closed | 2026-07-24 16:51 | 2026-07-30 10:31 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Ready for Review-Document
Uploaded. - Due Diligence Vendor-07/XX/2026 Resolved-Evidence of Good Standing provided - Due Diligence Vendor-07/XX/2026 Open-Missing Evidence of Good Standing. Missing Evidence of Good Standing within 90 days of the Note date. - Due Diligence Vendor-07/XX/2026 |
Resolved-Evidence of Good
Standing provided - Due Diligence Vendor-07/30/2026 |
XXXX | NY | Investment | Purchase | NA | 10460054 | N/A | N/A | ||||||
| 513 | XXXX | XXXX | XXXX | Closed | 2026-07-22 10:04 | 2026-07-22 10:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
FL | Primary Residence | Purchase | NA | 10402037 | Investor Post-Close | No | |||||||
| 514 | XXXX | XXXX | XXXX | Closed | 2026-07-22 14:45 | 2026-07-22 14:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
NY | Primary Residence | Purchase | NA | 10411378 | Investor Post-Close | No | |||||||
| 530 | XXXX | XXXX | XXXX | Closed | 2026-07-13 15:16 | 2026-08-10 12:26 | 2026-08-10 12:26 | Resolved | 1 - Information | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2
Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-08/XX/2026
Ready for Review-Documentation received, finding resolved - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached proof of receipt of gift funds as provided by the settlement agent - Buyer-08/XX/2026 Open-Asset Record 2 Does Not Meet G/L Requirements Missing evidence of receipt of gift funds to title company. - Due Diligence Vendor-07/XX/2026 |
Resolved-Asset Record 2
Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-08/10/2026 |
XXXX | PA | Investment | Purchase | NA | 10214160 | N/A | N/A | |||||
| 531 | XXXX | XXXX | XXXX | Closed | 2026-08-10 12:49 | 2026-10-20 09:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-10/XX/2026 Resolved- - Due Diligence Vendor-10/XX/2026 Rescinded- - Due Diligence Vendor-10/XX/2026 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 |
Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-10/20/2026 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/10/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 10715065 | Investor Post-Close | No | |||||||
| 531 | XXXX | XXXX | XXXX | Closed | 2026-08-05 06:25 | 2026-08-12 11:32 | 2026-08-12 11:32 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Disclosure
provided. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. initial docs - Buyer-08/XX/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-08/XX/2026 |
Resolved-Disclosure
provided. - Due Diligence Vendor-08/12/2026 |
XXXX | NY | Primary Residence | Refinance | Cash Out - Other | 10636631 | N/A | N/A | |||||
| 537 | XXXX | XXXX | XXXX | Closed | 2026-07-13 17:27 | 2026-08-03 10:16 | 2026-07-30 08:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find borrower identification attached - Buyer-07/XX/2026 Open-Borrower 1 identification not provided. Borrower Identification provided indicates its a temporary ID - missing issue date and expiration date of the Temporary ID. - Due Diligence Vendor-07/XX/2026 |
Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-07/30/2026 |
XXXX | AZ | Investment | Purchase | NA | 10216693 | N/A | N/A | |||||
| 537 | XXXX | XXXX | XXXX | Closed | 2026-07-13 17:22 | 2026-08-03 10:16 | 2026-07-30 09:07 | Resolved | 1 - Information | Credit | Eligibility | Condo Questionnaire - Ownership Concentration | Resolved-Documentation
provided validating the project was a Non-gut rehab which allows 65% single
entity concentration per guidelines. Per docs provided 135 units are
currently owned and not listed for sale, leaving a 63.6% concentration -
meeting guidelines. - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached - Investor-07/XX/2026 Counter-Audit review indicates that the condominium project's ownership concentration fails to meet guidelines. While the condo questionnaire confirms that all xx units are sold and closed, and unit owners have controlled the association since the 2007 conversion, a single-entity issue remains. The developer currently owns and leases xx units, which equates to a 66% ownership interest. This exceeds the maximum 49% single-entity ownership threshold allowed by lender guidelines. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached the questionnaire - Investor-07/XX/2026 Open-Ownership concentration does not meet guidelines. Single Entity Ownership allowed up to 49% of the project per lender guidelines. Another entity has a 66% ownership interest in the condo project. - Due Diligence Vendor-07/XX/2026 |
Resolved-Documentation
provided validating the project was a Non-gut rehab which allows 65% single
entity concentration per guidelines. Per docs provided XXXX units are
currently owned and not listed for sale, leaving a 63.6% concentration -
meeting guidelines. - Due Diligence
Vendor-07/30/2026 |
XXXX | AZ | Investment | Purchase | NA | 10216681 | N/A | N/A | |||||
| 537 | XXXX | XXXX | XXXX | Closed | 2026-07-13 17:25 | 2026-07-23 15:49 | 2026-07-23 15:49 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Page 4 of the
Note provided, condition resolved. - Due Diligence Vendor-07/XX/2026 Resolved-The Note is Present - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached the Note including page 4 - Buyer-07/XX/2026 Open-The Note is Incomplete Missing page 4 of the Note. - Due Diligence Vendor-07/XX/2026 |
Resolved-Page 4 of the Note
provided, condition resolved. - Due Diligence Vendor-07/23/2026 Resolved-The Note is Present - Due Diligence Vendor-07/23/2026 |
XXXX | AZ | Investment | Purchase | NA | 10216685 | N/A | N/A | |||||
| 540 | XXXX | XXXX | XXXX | Closed | 2026-07-24 13:27 | 2026-08-03 11:33 | 2026-08-03 11:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Entity Documents | Resolved-Lender provided
operating agreement, condition resolved. - Due Diligence Vendor-08/XX/2026
Ready for Review-Lender provided operating agreement, condition resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached cert of good standing and operating agreement. - Buyer-07/XX/2026 Counter-Received Business EIN. Entity documentation requested such as Articles of Organization, Single-member Operating Agreement or Certificate of Good Standing from Secretary of State. Condition remains - Due Diligence Vendor-07/XX/2026 Ready for Review-The borrower is the sole member as indicated on the EIN letter. - Buyer-07/XX/2026 Counter-Lender provided EIN letter, which is present in the loan. We still need Articles of Organization and Operating Agreement, condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached EIN letter. - Buyer-07/XX/2026 Open-Missing Entity Documents. Missing Entity Documents for the LLC vested on Title. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
operating agreement, condition resolved. - Due Diligence Vendor-08/03/2026 |
XXXX | FL | Investment | Refinance | Cash Out - Other | 10456606 | N/A | N/A | |||||
| 542 | XXXX | XXXX | XXXX | Closed | 2026-08-11 09:18 | 2026-08-11 09:18 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/11/2026 |
NJ | Primary Residence | Purchase | NA | 10738647 | Investor Post-Close | No | |||||||
| 544 | XXXX | XXXX | XXXX | Closed | 2026-08-04 13:20 | 2026-08-04 13:20 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/04/2026 |
NY | Primary Residence | Refinance | Cash Out - Debt Consolidation | 10622903 | Investor Post-Close | No | |||||||
| 548 | XXXX | XXXX | XXXX | Closed | 2026-08-11 07:01 | 2026-08-13 14:15 | 2026-08-13 14:15 | Resolved | 1 - Information | Credit | Missing Doc | Missing Purchase Contract | Resolved-Purchase Contract
provided. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. purchase contract - Buyer-08/XX/2026 Open-Missing Purchase Contract Purchase Contract is missing from the loan file. But Addendum is available Page#171. - Due Diligence Vendor-08/XX/2026 |
Resolved-Purchase Contract
provided. - Due Diligence Vendor-08/13/2026 |
XXXX | DC | Primary Residence | Purchase | NA | 10734795 | N/A | N/A | |||||
| 549 | XXXX | XXXX | XXXX | Closed | 2026-07-22 09:14 | 2026-07-22 09:14 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
OH | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10400822 | Investor Post-Close | No | |||||||
| 550 | XXXX | XXXX | XXXX | Closed | 2026-08-10 14:20 | 2026-08-17 09:06 | 2026-08-17 09:06 | Resolved | 1 - Information | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets
Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/XX/2026
Ready for Review-Document Uploaded. Please see wire for gift funds and final settlement statement showing receipt of the funds. - Buyer-08/XX/2026 Open-Asset 4 Does Not Meet Guideline Requirements Receipt and deposit of the Gift Funds for $58,000 could not be located. - Due Diligence Vendor-08/XX/2026 |
Resolved-Asset 4 Meets
Guideline Requirements Or Not Applicable - Due Diligence Vendor-08/17/2026 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 10717506 | N/A | N/A | |||||
| 552 | XXXX | XXXX | XXXX | Closed | 2026-08-11 18:17 | 2026-08-14 12:36 | 2026-08-14 12:36 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Business Purpose - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-08/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/14/2026 |
XXXX | NY | Investment | Purchase | NA | 10749843 | N/A | N/A | |||||
| 553 | XXXX | XXXX | XXXX | Closed | 2026-06-25 12:28 | 2026-08-12 11:43 | 2026-08-12 11:43 | Resolved | 1 - Information | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Received title
with updated title with vesting. Resolved. - Due Diligence Vendor-08/XX/2026
Ready for Review-Document Uploaded. Please see updated title with vesting corrected. - Buyer-08/XX/2026 Open-In provided Title, the proposed Insured: Purchaser are XXXX, XXXX, XXXX, and XXXX, whereas the DOT are signed by 3 borrowers, XXXX signature is missing on DOT. - Due Diligence Vendor-06/XX/2026 |
Resolved-Received title
with updated title with vesting. Resolved. - Due Diligence
Vendor-08/12/2026 |
XXXX | NY | Primary Residence | Purchase | NA | 9940361 | N/A | N/A | |||||
| 553 | XXXX | XXXX | XXXX | Closed | 2026-06-24 14:21 | 2026-06-24 14:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-06/24/2026 |
NY | Primary Residence | Purchase | NA | 9920919 | Investor Post-Close | No | |||||||
| 555 | XXXX | XXXX | XXXX | Closed | 2026-07-24 17:29 | 2026-08-03 10:33 | 2026-07-30 10:21 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please se uploaded Business Purpose doc. - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/30/2026 |
XXXX | WV | Investment | Purchase | NA | 10460326 | N/A | N/A | |||||
| 558 | XXXX | XXXX | XXXX | Closed | 2026-07-28 15:22 | 2026-08-05 13:12 | 2026-08-05 13:12 | Resolved | 1 - Information | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Borrower XXXX is not required to sign mortgage and also not required to be on title, please escalate for further review. - Investor-08/XX/2026 Open-Title Document is Incomplete Borrower-2 name is missing in title under proposed insured hence we need an updated title with both borrower and co-borrower names - Due Diligence Vendor-07/XX/2026 |
Resolved-Title Document is
Provided And Complete - Due Diligence Vendor-08/05/2026 |
XXXX | NY | Primary Residence | Purchase | NA | 10499759 | N/A | N/A | |||||
| 558 | XXXX | XXXX | XXXX | Closed | 2026-07-28 15:22 | 2026-08-05 13:12 | 2026-08-05 13:12 | Resolved | 1 - Information | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is
fully Present. B2 non occupying borrower. Resolved. - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. Borrower XXXX is not required to sign mortgage and also not required to be on title, please escalate for further review. - Seller-08/XX/2026 Open-Title Document is incomplete or only partially present Deed of trust missing name and signature hence we need updated DOT - Due Diligence Vendor-07/XX/2026 |
Ready for Review-Document
Uploaded. Borrower XXXX is not required to sign mortgage and also not
required to be on title, please escalate for further review. -
Seller-08/05/2026 |
Resolved-Title Document is
fully Present. B2 non occupying borrower. Resolved. - Due Diligence
Vendor-08/05/2026 |
XXXX | NY | Primary Residence | Purchase | NA | 10499758 | N/A | N/A | ||||
| 558 | XXXX | XXXX | XXXX | Closed | 2026-07-28 15:20 | 2026-07-31 12:11 | 2026-07-31 12:11 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-The Deed of Trust
is Present and Complete - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached Mortgage executed by the borrower - Investor-07/XX/2026 Open-The Deed of Trust is Incomplete Deed of trust missing name and signature hence we need updated DOT - Due Diligence Vendor-07/XX/2026 |
Resolved-The Deed of Trust
is Present and Complete - Due Diligence Vendor-07/31/2026 |
XXXX | NY | Primary Residence | Purchase | NA | 10499747 | N/A | N/A | |||||
| 559 | XXXX | XXXX | XXXX | Closed | 2026-07-28 13:00 | 2026-07-28 13:00 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-07/28/2026 |
CA | Investment | Purchase | NA | 10496627 | Investor Post-Close | No | |||||||
| 562 | XXXX | XXXX | XXXX | Closed | 2026-07-27 10:38 | 2026-10-02 10:39 | 2026-08-07 07:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Documentation received, finding resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/07/2026 |
XXXX | MD | Investment | Refinance | Cash Out - Other | 10470680 | N/A | N/A | |||||
| 562 | XXXX | XXXX | XXXX | Closed | 2026-07-27 10:38 | 2026-08-07 07:03 | 2026-08-07 07:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Resolution | Resolved-Not required,
invalid finding - Due Diligence Vendor-08/XX/2026 Ready for Review-UW Management response: The borrower is > 51% owner and we have documentation in the file supporting this. This should meet the guideline requirements. - Buyer-08/XX/2026 Open-Missing Resolution. A Unanimous Consent Agreement/ Corporate Resolution is missing from 2nd member of the business entity. - Due Diligence Vendor-07/XX/2026 |
Resolved-Not required,
invalid finding - Due Diligence Vendor-08/07/2026 |
MD | Investment | Refinance | Cash Out - Other | 10470693 | N/A | N/A | ||||||
| 563 | XXXX | XXXX | XXXX | Closed | 2026-07-23 13:43 | 2026-08-03 10:47 | 2026-08-03 10:47 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-Researched what
the lender stated "None" is treated similarly to Zone X. Per Flood
Dept: A “none” flood zone does not seem it is an incomplete flood
certificate. The flood certificate is complete and the data is accurate. None
means that FEMA has not mapped or determined the risk of the parcel. The
community that the property resides in also does not participate in FEMA NFIP
program. condition resolved. - Due Diligence Vendor-08/XX/2026 Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/XX/2026 Ready for Review-Per Flood Dept: A “none” flood zone does not seem it is an incomplete flood certificate. The flood certificate is complete and the data is accurate. None means that FEMA has not mapped or determined the risk of the parcel. The community that the property resides in also does not participate in FEMA NFIP program. - Buyer-07/XX/2026 Counter- - Due Diligence Vendor-07/XX/2026 Ready for Review-Lender provided the same Flood cert present in the loan file. Need a reason why NFIP map # states 'NONE' and there is no NFOP map effective date. condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. flood cert - Buyer-07/XX/2026 Open-Flood Certificate is Partially Provided Community-Panel Number and date & Flood Zone is missing in flood document. - Due Diligence Vendor-07/XX/2026 |
Resolved-Researched what
the lender stated "None" is treated similarly to Zone X. Per Flood
Dept: A “none” flood zone does not seem it is an incomplete flood
certificate. The flood certificate is complete and the data is accurate. None
means that FEMA has not mapped or determined the risk of the parcel. The
community that the property resides in also does not participate in FEMA NFIP
program. condition resolved. - Due Diligence Vendor-08/03/2026 Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/03/2026 |
XXXX | MN | Primary Residence | Purchase | NA | 10434766 | N/A | N/A | |||||
| 564 | XXXX | XXXX | XXXX | Closed | 2026-08-07 13:00 | 2026-08-07 13:00 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-08/07/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or XXXX | 10691032 | Investor Post-Close | No | |||||||
| 587 | XXXX | XXXX | XXXX | Closed | 2026-07-22 13:27 | 2026-07-30 09:11 | 2026-07-30 09:11 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-CD received.
Borrower just purchased property XXXX - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. CD - Buyer-07/XX/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing documents to verify mortgage payment history of REO 3b with current lender of subject property. - Due Diligence Vendor-07/XX/2026 |
Resolved-CD received.
Borrower just purchased property XXXX - Due Diligence Vendor-07/30/2026 |
XXXX | MN | Investment | Purchase | NA | 10409657 | N/A | N/A | |||||
| 587 | XXXX | XXXX | XXXX | Closed | 2026-07-27 11:57 | 2026-07-30 09:08 | 2026-07-30 09:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. business purpose - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/30/2026 |
XXXX | MN | Investment | Purchase | NA | 10471885 | N/A | N/A | |||||
| 594 | XXXX | XXXX | XXXX | Closed | 2026-07-14 07:27 | 2026-10-19 12:16 | 2026-07-23 11:31 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided a
copy of check front and back of gift funds of $100,041.00, condition
resolved. - Due Diligence Vendor-07/XX/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/XX/2026 Ready for Review-Please see attached documentation for gift of $100,041. Per our UW - Gift funds of $100,041 wired directly to closing. Closing/Funder verified title agent in receipt of wire from XXXX in the amount of $100,041. FTC $154,54. Borrowers funds: $100,041 Gift wired to closing from XXXX + Borrowers own funds of XXXX $41,000 + XXXX $35,892 + XXXX $14,789 = $191,722 – FTC $154,541 = $37,181. Reserves required $36,600 (met). Borrowers to have 5% into transaction = XXXX (met). - Investor-07/XX/2026 Counter-Gift documentation was fully provided for the gifts of $10,000 and $40,000, however the gift funds of $100,041 has not been verified. Please provide proof of transfer of the $100,041. - Due Diligence Vendor-07/XX/2026 Ready for Review-Please see uploaded Gift Documentation - Buyer-07/XX/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due missing copy of wire receipt showing gift funds on the amount of $100,041 from Donor. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided a
copy of check front and back of gift funds of $100,041.00, condition
resolved. - Due Diligence Vendor-07/23/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/23/2026 |
NJ | Primary Residence | Purchase | NA | 10228875 | N/A | N/A | ||||||
| 594 | XXXX | XXXX | XXXX | Closed | 2026-07-13 15:49 | 2026-07-23 11:47 | 2026-07-23 11:30 | Resolved | 1 - Information | Credit | Missing Doc | Asset 6 Missing | Resolved-Lender provided a
copy of check front and back of gift funds of $100,041.00, condition
resolved. - Due Diligence Vendor-07/XX/2026 Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached documentation for gift of $100,041. Per our UW - Gift funds of $100,041 wired directly to closing. Closing/Funder verified title agent in receipt of wire from XXXX in the amount of $100,041. FTC $154,54. Borrowers funds: $100,041 Gift wired to closing from XXXX + Borrowers own funds of XXXX $41,000 + XXXX $35,892 + XXXX $14,789 = $191,722 – FTC $154,541 = $37,181. Reserves required $36,600 (met). Borrowers to have 5% into transaction = XXXX (met). - Buyer-07/XX/2026 Counter-Gift documentation was fully provided for the gifts of $10,000 and $40,000, however the gift funds of $100,041 has not been verified. Please provide proof of transfer of the $100,041. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Gift Documentation - Buyer-07/XX/2026 Open-Asset 6 Missing Missing verification of gift funds in amount of $100,041.00, Please provided receipt of gift funds. Additional conditions may apply. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided a
copy of check front and back of gift funds of $100,041.00, condition
resolved. - Due Diligence Vendor-07/23/2026 Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-07/23/2026 |
XXXX | NJ | Primary Residence | Purchase | NA | 10214965 | N/A | N/A | |||||
| 594 | XXXX | XXXX | XXXX | Closed | 2026-07-13 15:49 | 2026-07-23 11:47 | 2026-07-23 11:30 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Lender provided a
copy of check front and back of gift funds of $100,041.00, condition
resolved. - Due Diligence Vendor-07/XX/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $69165.16 is equal to or greater than Total Required Reserve Amount of $40059 - Due Diligence Vendor-07/XX/2026 Ready for Review-Please see attached documentation for gift of $100,041. Per our UW - Gift funds of $100,041 wired directly to closing. Closing/Funder verified title agent in receipt of wire from XXXX in the amount of $100,041. FTC $154,54. Borrowers funds: $100,041 Gift wired to closing from XXXX + Borrowers own funds of XXXX $41,000 + XXXX $35,892 + XXXX $14,789 = $191,722 – FTC $154,541 = $37,181. Reserves required $36,600 (met). Borrowers to have 5% into transaction = XXXX (met). - Seller-07/XX/2026 Counter-Gift documentation was fully provided for the gifts of $10,000 and $40,000, however the gift funds of $100,041 has not been verified. Please provide proof of transfer of the $100,041. - Due Diligence Vendor-07/XX/2026 Ready for Review-Please see uploaded Gift Documentation - Buyer-07/XX/2026 Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $40059 - Due Diligence Vendor-07/XX/2026 |
Ready for Review-Please see
attached documentation for gift of $100,041. Per our UW - Gift funds of
$100,041 wired directly to closing. Closing/Funder verified title agent in
receipt of wire from XXXX in the amount of $100,041. FTC $154,54. Borrowers
funds: $100,041 Gift wired to closing from XXXX + Borrowers own funds of XXXX
$41,000 + XXXX $35,892 + XXXX $14,789 = $191,722 – FTC $154,541 = $37,181.
Reserves required $36,600 (met).
Borrowers to have 5% into transaction = XXXX (met). - Seller-07/23/2026 |
Resolved-Lender provided a
copy of check front and back of gift funds of $100,041.00, condition
resolved. - Due Diligence Vendor-07/23/2026 Resolved-Total Qualified Assets for Reserves Post-Close of $69165.16 is equal to or greater than Total Required Reserve Amount of XXXX - Due Diligence Vendor-07/23/2026 |
NJ | Primary Residence | Purchase | NA | 10214966 | N/A | N/A | |||||
| 594 | XXXX | XXXX | XXXX | Closed | 2026-07-13 15:49 | 2026-07-23 11:47 | 2026-07-23 11:30 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Lender provided a
copy of check front and back of gift funds of $100,041.00, condition
resolved. - Due Diligence Vendor-07/XX/2026 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-07/XX/2026 Ready for Review-Please see attached documentation for gift of $100,041. Per our UW - Gift funds of $100,041 wired directly to closing. Closing/Funder verified title agent in receipt of wire from XXXX in the amount of $100,041. FTC $154,54. Borrowers funds: $100,041 Gift wired to closing from XXXX + Borrowers own funds of XXXX $41,000 + XXXX $35,892 + XXXX $14,789 = $191,722 – FTC $154,541 = $37,181. Reserves required $36,600 (met). Borrowers to have 5% into transaction = XXXX (met). - Buyer-07/XX/2026 Counter-Gift documentation was fully provided for the gifts of $10,000 and $40,000, however the gift funds of $100,041 has not been verified. Please provide proof of transfer of the $100,041. - Due Diligence Vendor-07/XX/2026 Ready for Review-Please see uploaded Gift Documentation - Seller-07/XX/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $123256.43 less cash to close of XXXX and less unverified EMD of $40,059 results in XXXX shortage of funds to close. - Due Diligence Vendor-07/XX/2026 |
Ready for Review-Please see
uploaded Gift Documentation - Seller-07/15/2026 |
Resolved-Lender provided a
copy of check front and back of gift funds of $100,041.00, condition
resolved. - Due Diligence Vendor-07/23/2026 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-07/23/2026 |
NJ | Primary Residence | Purchase | NA | 10214967 | N/A | N/A | |||||
| 594 | XXXX | XXXX | XXXX | Closed | 2026-07-14 07:57 | 2026-07-23 11:41 | 2026-07-23 11:41 | Resolved | 1 - Information | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Resolved-Per guidelines,
If the DTI is > 45%, three months reserves are required in addition to
product requirements total of 6 months is required total of 40,059 with verification of Gift funds of 10,0041 fulfill the reserves requirements. condition resolved. - Due Diligence Vendor-07/XX/2026 Resolved-Audited Assets of $69165.16 are greater than Guideline Required Assets of $40059. - Due Diligence Vendor-07/XX/2026 Resolved-Audited Assets of $69165.16 are greater than Guideline Required Assets of $. - Due Diligence Vendor-07/XX/2026 Ready for Review-Please see attached documentation for gift of $100,041. Per our UW - Gift funds of $100,041 wired directly to closing. Closing/Funder verified title agent in receipt of wire from XXXX in the amount of $100,041. FTC $154,54. Borrowers funds: $100,041 Gift wired to closing from XXXX + Borrowers own funds of XXXX $41,000 + XXXX $35,892 + XXXX $14,789 = $191,722 – FTC $154,541 = $37,181. Reserves required $36,600 (met). Borrowers to have 5% into transaction = XXXX (met). - Buyer-07/XX/2026 Counter-Gift documentation was fully provided for the gifts of $10,000 and $40,000, however the gift funds of $100,041 has not been verified. Please provide proof of transfer of the $100,041. - Due Diligence Vendor-07/XX/2026 Ready for Review-Please see uploaded Gift Documentation - Investor-07/XX/2026 Open-Audited Assets of $0 are less than Guideline Required Assets of $40059. - Due Diligence Vendor-07/XX/2026 |
Resolved-Per guidelines, If
the DTI is > 45%, three months reserves are required in addition to
product requirements total of 6 months is required total of XXXX with verification of Gift funds of 10,0041 fulfill the reserves requirements. condition resolved. - Due Diligence Vendor-07/23/2026 Resolved-Audited Assets of $69165.16 are greater than Guideline Required Assets of $40059. - Due Diligence Vendor-07/23/2026 Resolved-Audited Assets of $69165.16 are greater than Guideline Required Assets of $. - Due Diligence Vendor-07/23/2026 |
NJ | Primary Residence | Purchase | NA | 10230067 | N/A | N/A | ||||||
| 600 | XXXX | XXXX | XXXX | Closed | 2026-07-22 13:44 | 2026-07-23 11:26 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. secondary valuation is within a tolerance. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. secondary valuation is
within a tolerance. - Due Diligence Vendor-07/23/2026 |
UT | Primary Residence | Refinance | Cash Out - Other | 10410085 | Investor Post-Close | No | |||||||
| 601 | XXXX | XXXX | XXXX | Closed | 2026-05-19 10:07 | 2026-10-02 10:55 | 2026-05-22 10:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good
Standing provided - Due Diligence Vendor-05/XX/2026 Ready for Review-Document Uploaded. coe - Investor-05/XX/2026 Open-Missing Evidence of Good Standing. Missing evidence of good standing. - Due Diligence Vendor-05/XX/2026 |
Resolved-Evidence of Good
Standing provided - Due Diligence Vendor-05/22/2026 |
XXXX | NC | Investment | Refinance | Cash Out - Other | 9275426 | N/A | N/A | |||||
| 601 | XXXX | XXXX | XXXX | Closed | 2026-05-19 16:57 | 2026-08-05 09:18 | 2026-08-05 09:18 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-12 month payment
history provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. vom and payment history showing no 30 day lates. - Investor-08/XX/2026 Counter-Received rebuttal LOE that the report did not have an alert for the undisclosed property, therefore it was not reviewed. However, the report indicates there is an undisclosed property with an active first mortgage. Guidelines require a 12 month history be documents. Provide VOM or evidence the borrower is not personally obligated for the Note. Not Resolved. - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. loe - Buyer-06/XX/2026 Counter-Received rebuttal stating the report did not have an alert for the undisclosed property, therefore it was not reviewed. The alert status is not the relevant issue. The report indicates there is an undisclosed property with an active first mortgage. Guidelines require a 12 month history be documents. Not Resolved. - Due Diligence Vendor-06/XX/2026 Ready for Review-Per ur UW manager: based on the fraudguard report there was no MERS alert for this address. We would only address MERS alert if there was an alert. - Seller-06/XX/2026 Open-Housing History Does Not Meet Guideline Requirements Missing satisfactory 12 months mortgage history for property on XXXX. According to the MERS there is an active MIN Status since 10/XX/24. - Due Diligence Vendor-05/XX/2026 |
Ready for Review-Per ur UW
manager: based on the fraudguard report there was no MERS alert for this
address. We would only address MERS alert if there was an alert. - Seller-06/01/2026 |
Resolved-12 month payment
history provided - Due Diligence Vendor-08/05/2026 |
XXXX | NC | Investment | Refinance | Cash Out - Other | 9287685 | N/A | N/A | ||||
| 601 | XXXX | XXXX | XXXX | Closed | 2026-05-19 16:33 | 2026-05-22 10:58 | 2026-05-22 10:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Entity Percentage Ownership | Resolved-Documents
provided - Due Diligence Vendor-05/XX/2026 Ready for Review-Documents provided - Due Diligence Vendor-05/XX/2026 Ready for Review-Document Uploaded. operation agreement - Investor-05/XX/2026 Open-Missing Evidence of Entity Percentage Ownership for each guarantor. Audit was unable to locate documents. - Due Diligence Vendor-05/XX/2026 |
Resolved-Documents provided
- Due Diligence Vendor-05/22/2026 |
XXXX | NC | Investment | Refinance | Cash Out - Other | 9287197 | N/A | N/A | |||||
| 601 | XXXX | XXXX | XXXX | Closed | 2026-05-19 16:32 | 2026-05-22 10:57 | 2026-05-22 10:57 | Resolved | 1 - Information | Credit | Missing Doc | Missing Entity Documents | Resolved-Documents
provided - Due Diligence Vendor-05/XX/2026 Ready for Review-Document Uploaded. ein - Investor-05/XX/2026 Open-Missing Entity Documents. Missing evidence of borrower's business formation documentation with the applicable state. - Due Diligence Vendor-05/XX/2026 |
Resolved-Documents provided
- Due Diligence Vendor-05/22/2026 |
XXXX | NC | Investment | Refinance | Cash Out - Other | 9287182 | N/A | N/A | |||||
| 608 | XXXX | XXXX | XXXX | Closed | 2026-07-23 10:58 | 2026-07-31 11:59 | 2026-07-31 11:59 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Received PCCD and
Settlement statement with 7/XX/26 disbursement. Resolved - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. PCCD and FSS - Buyer-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open-The loan disbursement date (XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2026-07-11). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XXXX with an expiration date of 07/XX/2026. The loan disbursed on 07/XX/2026 per the final CD, which did not give the Borrower a full 3 day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Received PCCD and
Settlement statement with XXXX disbursement. Resolved - Due Diligence
Vendor-07/31/2026 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 10430610 | N/A | N/A | |||||
| 608 | XXXX | XXXX | XXXX | Closed | 2026-07-23 11:21 | 2026-07-23 11:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. This finding will be
rated a B for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 10431050 | Investor Post-Close | No | |||||||
| 615 | XXXX | XXXX | XXXX | Closed | 2026-07-09 23:33 | 2026-07-28 13:43 | 2026-07-28 13:43 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Lender provided
the credit report. - Due Diligence Vendor-07/XX/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. cbr - Buyer-07/XX/2026 Open-Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
the credit report. - Due Diligence Vendor-07/28/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-07/28/2026 |
XXXX | MO | Primary Residence | Refinance | Cash Out - Other | 10163584 | N/A | N/A | |||||
| 619 | XXXX | XXXX | XXXX | Closed | 2026-07-09 11:43 | 2026-08-03 10:54 | 2026-08-03 10:54 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XX) | Resolved-lender provided
COC for increase in Appraisal Fee and Loan- Discount fee. condition resolved.
- Due Diligence Vendor-08/XX/2026 Resolved-Resolved - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded COC - Seller-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 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: Appraisal Fee, 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC is missing - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Ready for Review-Document
Uploaded. Please see uploaded COC - Seller-07/31/2026 |
Resolved-lender provided
COC for increase in Appraisal Fee and Loan- Discount fee. condition resolved.
- Due Diligence Vendor-08/03/2026 Resolved-Resolved - Due Diligence Vendor-08/03/2026 |
XXXX | OH | Primary Residence | Purchase | NA | 10155181 | N/A | N/A | ||||
| 619 | XXXX | XXXX | XXXX | Closed | 2026-07-09 11:43 | 2026-08-03 10:54 | 2026-08-03 10:54 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (XX) | Resolved-lender provided
COC for increase in Appraisal Fee and Loan- Discount fee. condition resolved.
- Due Diligence Vendor-08/XX/2026 Resolved-Resolved - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded COC - Buyer-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee, 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). COC is missing - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-lender provided
COC for increase in Appraisal Fee and Loan- Discount fee. condition resolved.
- Due Diligence Vendor-08/03/2026 Resolved-Resolved - Due Diligence Vendor-08/03/2026 |
XXXX | OH | Primary Residence | Purchase | NA | 10155180 | N/A | N/A | |||||
| 622 | XXXX | XXXX | XXXX | Closed | 2026-07-23 06:53 | 2026-08-05 13:29 | 2026-08-05 13:29 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received Final CD
for primary residence reflecting PITI and XXXX payoff. Resolved. - Due
Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. final CD is attached which also shows the XXXX being paid off. We use the payoff amount on the credit report and nothing additional should be needed for this. - Buyer-08/XX/2026 Counter-Provide final CD for the refinance of the primary residence validating the new PITIA payment and the payoff off the XXXX debt. - Due Diligence Vendor-08/XX/2026 Ready for Review-this loan is 1 of 2 for same borrower. This loan is the rental refi, the other loan was owner occ refi. the payment for owner occ is on CD and payment coupon and liability 7 is omitted as paid off by owner occ refi. it is not omitted as paid by other. - Buyer-07/XX/2026 Open-1) Require document to verify the primary residence current monthly P & I. 2) Require document to verify the Liability 7 is not paid by the borrower. - Due Diligence Vendor-07/XX/2026 |
Resolved-Received Final CD
for primary residence reflecting PITI and XXXX payoff. Resolved. - Due
Diligence Vendor-08/05/2026 |
XXXX | AZ | Investment | Refinance | No Cash Out - Borrower Initiated | 10423410 | N/A | N/A | |||||
| 633 | XXXX | XXXX | XXXX | Closed | 2026-07-22 08:55 | 2026-08-03 09:23 | 2026-08-03 09:23 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Lender provided
credit report for both borrowers. condition resolved. - Due Diligence
Vendor-08/XX/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-08/XX/2026 Ready for Review-Please see uploaded Credit Report - Buyer-07/XX/2026 Open-Borrower 2 Credit Report is Missing. Borrower 2 Credit Report is Missing - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
credit report for both borrowers. condition resolved. - Due Diligence
Vendor-08/03/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-08/03/2026 |
CA | Primary Residence | Purchase | NA | 10400415 | N/A | N/A | ||||||
| 633 | XXXX | XXXX | XXXX | Closed | 2026-07-22 08:55 | 2026-08-03 09:23 | 2026-08-03 09:23 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Lender provided
credit report for both borrowers. condition resolved. - Due Diligence
Vendor-08/XX/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Credit Report - Buyer-07/XX/2026 Open-Borrower 1 Credit Report is Missing. Borrower 1 Credit Report is Missing - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
credit report for both borrowers. condition resolved. - Due Diligence
Vendor-08/03/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/03/2026 |
XXXX | CA | Primary Residence | Purchase | NA | 10400414 | N/A | N/A | |||||
| 634 | XXXX | XXXX | XXXX | Closed | 2026-07-29 14:10 | 2026-07-29 14:10 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-07/29/2026 |
NY | Primary Residence | Purchase | NA | 10519522 | Investor Post-Close | No | |||||||
| 641 | XXXX | XXXX | XXXX | Closed | 2026-07-22 10:22 | 2026-07-31 11:09 | 2026-07-31 11:09 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall - Replacement Cost Provided | Resolved-Hazard Insurance
Coverage Amount of $xx is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. Policy shows 150% extension to coverage amount on RCE attached. - Buyer-07/XX/2026 Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of XXXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of XXXX The hazard insurance policy in file reflected dwelling coverage of XXXX. The loan amount is XXXX which leaves a shortage of hazard insurance coverage. - Due Diligence Vendor-07/XX/2026 |
Resolved-Hazard Insurance
Coverage Amount of $xx is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-07/31/2026 |
XXXX | MA | Primary Residence | Refinance | Cash Out - Other | 10402795 | N/A | N/A | |||||
| 646 | XXXX | XXXX | XXXX | Closed | 2026-07-23 11:54 | 2026-07-23 11:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/23/2026 |
FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10431638 | Investor Post-Close | No | |||||||
| 651 | XXXX | XXXX | XXXX | Closed | 2026-07-10 04:59 | 2026-07-28 13:26 | 2026-07-28 13:26 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached drivers license. - Buyer-07/XX/2026 Counter-Borrower is a Permanent Resident Alien which requires two forms of identification, state issued and permanent resident card. Permanent Resident card received. Missing state issued ID/Driver’s License. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached ID. - Buyer-07/XX/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-07/XX/2026 |
Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-07/28/2026 |
XXXX | FL | Primary Residence | Purchase | NA | 10168700 | N/A | N/A | |||||
| 653 | XXXX | XXXX | XXXX | Closed | 2026-07-30 06:08 | 2026-08-10 10:33 | 2026-08-10 10:33 | Resolved | 1 - Information | Compliance | Mavent | License: Loan Originator | Resolved-Lender provided
documentation that loan officer was changed during the review and was active
during the entirety of the loan.
Verified information with NMLS.
Condition cleared - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached as loan was reassigned to XXXX who is listed as the current LO - Buyer-08/XX/2026 Open-The loan originator is not authorized to do business in CA as of XX. At the time of Application originator was active with the NMLS and expired on dated 7/XX/2026. again, it is renewed on 7/XX/2026 - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
documentation that loan officer was changed during the review and was active
during the entirety of the loan.
Verified information with NMLS.
Condition cleared - Due Diligence Vendor-08/10/2026 |
XXXX | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10531788 | N/A | N/A | |||||
| 653 | XXXX | XXXX | XXXX | Closed | 2026-07-30 14:35 | 2026-07-30 14:35 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/30/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10545067 | Investor Post-Close | No | |||||||
| 658 | XXXX | XXXX | XXXX | Closed | 2026-07-22 15:45 | 2026-07-30 09:17 | 2026-07-30 09:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Guaranty Agreement - Borrower 1 | Resolved-Guaranty
Agreement for Borrower 1 provided. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached guaranty agreement. - Buyer-07/XX/2026 Open-Missing Guaranty Agreement for Borrower 1. - Due Diligence Vendor-07/XX/2026 |
Resolved-Guaranty Agreement
for Borrower 1 provided. - Due Diligence Vendor-07/30/2026 |
XXXX | CO | Investment | Purchase | NA | 10413261 | N/A | N/A | |||||
| 658 | XXXX | XXXX | XXXX | Closed | 2026-07-22 15:45 | 2026-07-30 09:17 | 2026-07-30 09:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Guaranty Agreement - Borrower 2 | Resolved-Guaranty
Agreement for Borrower 2 provided. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached guaranty agreement. - Buyer-07/XX/2026 Open-Missing Guaranty Agreement for Borrower 2. Missing Guaranty Agreement for Borrower 2 - Due Diligence Vendor-07/XX/2026 |
Resolved-Guaranty Agreement
for Borrower 2 provided. - Due Diligence Vendor-07/30/2026 |
XXXX | CO | Investment | Purchase | NA | 10413262 | N/A | N/A | |||||
| 673 | XXXX | XXXX | XXXX | Closed | 2026-07-23 13:32 | 2026-10-02 11:57 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Finding is
non-material, and loan will be graded a B.
- Due Diligence Vendor-10/XX/2026 Waived-Audited Loan Amount of XXXX is greater than the Guideline Maximum Loan Amount of $2000000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/XX/2026 |
Waived-Finding is
non-material, and loan will be graded a B.
- Due Diligence Vendor-10/02/2026 Waived-Audited Loan Amount of XXXX is greater than the Guideline Maximum Loan Amount of $2000000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-07/23/2026 |
31.168% DTI vs 50% DTI max,
min reserves required: $161,734.14 vs Current reserves: $251,465 764 FICO vs required FICO 740 0x30x12 documented on current rental housing with significant payment of $8,200 per month. |
NY | Primary Residence | Purchase | NA | 10434384 | Investor Post-Close | No | ||||||
| 679 | XXXX | XXXX | XXXX | Closed | 2026-07-09 07:40 | 2026-07-23 08:06 | 2026-07-23 08:06 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Received
verification the lender is closed on Sat. Condition cleared. - Due Diligence
Vendor-07/XX/2026 Rescinded-Out of Scope. - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Received
verification the lender is closed on Sat. Condition cleared. - Due Diligence
Vendor-07/23/2026 Rescinded-Out of Scope. - Due Diligence Vendor-07/09/2026 |
OH | Second Home | Refinance | Cash Out - Other | 10148302 | N/A | N/A | ||||||
| 679 | XXXX | XXXX | XXXX | Closed | 2026-07-09 07:40 | 2026-07-23 08:05 | 2026-07-23 08:05 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received
verification the lender is closed on Sat. Condition cleared. - Due Diligence
Vendor-07/XX/2026 Counter-Please provide attestation Lender does not conduct business on Saturdays. Condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Your XXXX is one of our JV companies and they have the same business hours. - Seller-07/XX/2026 Counter-Lender provided their lender attestation for bring closed on Saturdays, however since the loan was done by their affiliate, we would need Lender attestation from them stating they are closed on Saturday, condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-The attestation provided stated we are not opened on Saturday. Please advise why this is not acceptable. - Buyer-07/XX/2026 Counter-Received attestation of business closure for XXXX. Please provide verification that lender is closed on Saturday. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached attestation. - Investor-07/XX/2026 Counter-Please provide verification that lender is closed on Saturday. - Due Diligence Vendor-07/XX/2026 Ready for Review-LE was sent on XXXX, which is the 3rd business day after XXXX, finding is invalid. - Seller-07/XX/2026 Open-The initial Loan Estimate is dated 04/XX/2026 and the application date is XXXX. No Cure. - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Ready for Review-Your XXXX
is one of our JV companies and they have the same business hours. -
Seller-07/21/2026 Ready for Review-LE was sent on XXXX, which is the 3rd business day after XXXX, finding is invalid. - Seller-07/15/2026 |
Resolved-Received
verification the lender is closed on Sat. Condition cleared. - Due Diligence
Vendor-07/23/2026 |
XXXX | OH | Second Home | Refinance | Cash Out - Other | 10148301 | N/A | N/A | ||||
| 679 | XXXX | XXXX | XXXX | Closed | 2026-07-09 07:39 | 2026-07-23 08:05 | 2026-07-23 08:05 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received
verification the lender is closed on Sat. Condition cleared. - Due Diligence
Vendor-07/XX/2026 Counter-Please provide attestation Lender does not conduct business on Saturdays. Condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Your XXXX is one of our JV companies and they have the same business hours. - Investor-07/XX/2026 Counter-Lender provided their lender attestation for bring closed on Saturdays, however since the loan was done by their affiliate, we would need Lender attestation from them stating they are closed on Saturday, condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Lender provided their lender attestation for bring closed on Saturdays, however since the loan was done by their affiliate, we would need Lender attestation from them stating they are closed on Saturday, condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-The attestation provided stated we are not opened on Saturday. Please advise why this is not acceptable. - Buyer-07/XX/2026 Counter-Received attestation of business closure for XXXX. Please provide verification that lender is closed on Saturday. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached attestation. - Buyer-07/XX/2026 Counter-Please provide verification that lender is closed on Saturday. - Due Diligence Vendor-07/XX/2026 Ready for Review-HOC list was sent on XXXX, which is the 3rd business day after XXXX, finding is invalid. - Buyer-07/XX/2026 Open-Federal-Homeownership Counseling Disclosure Date XXXX is not within three business days of Application Date XXXX. - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Received
verification the lender is closed on Sat. Condition cleared. - Due Diligence
Vendor-07/23/2026 |
XXXX | OH | Second Home | Refinance | Cash Out - Other | 10148300 | N/A | N/A | |||||
| 679 | XXXX | XXXX | XXXX | Closed | 2026-07-09 06:51 | 2026-07-23 08:04 | 2026-07-23 08:04 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-Received
verification the lender is closed on Sat. Condition cleared. - Due Diligence
Vendor-07/XX/2026 Counter-Please provide attestation Lender does not conduct business on Saturdays. Condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Your XXXX is one of our JV companies and they have the same business hours. - Buyer-07/XX/2026 Counter-Lender provided their lender attestation for bring closed on Saturdays, however since the loan was done by their affiliate, we would need Lender attestation from them stating they are closed on Saturday, condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-The attestation provided stated we are not opened on Saturday. Please advise why this is not acceptable. - Seller-07/XX/2026 Counter-Received attestation of business closure for XXXX. Please provide verification that lender is closed on Saturday. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached attestation. - Investor-07/XX/2026 Counter-Please provide verification that lender is closed on Saturday. - Due Diligence Vendor-07/XX/2026 Ready for Review-Appraisal disclosure was sent on XXXX, which is the 3rd business day after XXXX, finding is invalid. - Seller-07/XX/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XXXX is not within three business days of Application Date XXXX. - Due Diligence Vendor-07/XX/2026 |
Ready for Review-The
attestation provided stated we are not opened on Saturday. Please advise why this is not acceptable. -
Seller-07/20/2026 Ready for Review-Appraisal disclosure was sent on XXXX, which is the 3rd business day after XXXX, finding is invalid. - Seller-07/15/2026 |
Resolved-Received
verification the lender is closed on Sat. Condition cleared. - Due Diligence
Vendor-07/23/2026 |
XXXX | OH | Second Home | Refinance | Cash Out - Other | 10147419 | N/A | N/A | ||||
| 679 | XXXX | XXXX | XXXX | Closed | 2026-07-09 06:51 | 2026-07-09 06:51 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/09/2026 |
OH | Second Home | Refinance | Cash Out - Other | 10147418 | Investor Post-Close | No | |||||||
| 680 | XXXX | XXXX | XXXX | Closed | 2026-07-22 06:53 | 2026-08-05 13:32 | 2026-08-05 13:32 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: IEADS Required - Missing or Incomplete | Resolved-RESPA: IEADS
received. Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached escrow disclosure. - Buyer-08/XX/2026 Counter-RESPA: IEADS Required - Missing Lender provided the Escrow Waiver, however loan was escrowed for taxes and insurance. Please provide the initial escrow account disclosure. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached Escrow Waiver - Buyer-07/XX/2026 Open-RESPA: IEADS Required - Missing RESPA: Initial Escrow Account Disclosure in File Required - Missing - Due Diligence Vendor-07/XX/2026 |
Resolved-RESPA: IEADS
received. Resolved. - Due Diligence Vendor-08/05/2026 |
XXXX | NC | Investment | Purchase | NA | 10398270 | N/A | N/A | |||||
| 682 | XXXX | XXXX | XXXX | Closed | 2026-07-07 09:19 | 2026-07-30 09:27 | 2026-07-30 09:27 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Updated HOI
received - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached HOI with premium - Buyer-07/XX/2026 Open-The hazard insurance doc is currently incomplete because the premium amount is missing. - Due Diligence Vendor-07/XX/2026 |
Resolved-Updated HOI
received - Due Diligence Vendor-07/30/2026 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 10095214 | N/A | N/A | |||||
| 683 | XXXX | XXXX | XXXX | Closed | 2026-07-22 13:23 | 2026-08-05 14:25 | 2026-08-05 14:25 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-1098 received-
HELOC attached to borrower second home XXXX. Resolved. - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. 1098 - Buyer-08/XX/2026 Open-Per credit report debt XXXX as HELOC account kindly provide supporting document to verify the property associated HELOC account. - Due Diligence Vendor-07/XX/2026 |
Resolved-1098 received-
HELOC attached to borrower second home XXXX. Resolved. - Due Diligence
Vendor-08/05/2026 |
XXXX | MN | Primary Residence | Purchase | NA | 10409591 | N/A | N/A | |||||
| 686 | XXXX | XXXX | XXXX | Closed | 2026-07-23 08:02 | 2026-07-30 10:32 | 2026-07-30 10:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. business purpose - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit required and missing - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/30/2026 |
XXXX | UT | Investment | Purchase | NA | 10424534 | N/A | N/A | |||||
| 686 | XXXX | XXXX | XXXX | Closed | 2026-07-22 11:07 | 2026-07-22 11:07 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
UT | Investment | Purchase | NA | 10405718 | Investor Post-Close | No | |||||||
| 692 | XXXX | XXXX | XXXX | Closed | 2026-07-09 11:45 | 2026-07-29 10:54 | 2026-07-29 10:54 | Resolved | 1 - Information | Credit | Income/Employment | Income 12 Months Income Verified is Missing | Resolved-Lender provided
supporting documentation for mortgage for REO 7 and 9 listed on final
application. condition resolved. - Due
Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find uploaded the VOM for both, the final CD from when both were refinanced, and the payment coupons for when first payments were due. - Buyer-07/XX/2026 Counter-Sorry for the conclusion, we are missing evidence of mortgage payments for REO: XXXX and REO: XXXX, condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-UW response: We are not qualifying with any rental income for REO: XXXX. - Buyer-07/XX/2026 Counter-Missing Income 12 Months Income Verified is Missing XXXX, condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Can this please be clarified? There are two XXXX properties – a XXXX and XXXX. - Buyer-07/XX/2026 Open-Income 12 Months Income Verified is Missing XXXX- document missing for this property. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
supporting documentation for mortgage for REO 7 and 9 listed on final
application. condition resolved. - Due
Diligence Vendor-07/29/2026 |
XXXX | NY | Investment | Refinance | No Cash Out - Borrower Initiated | 10155232 | N/A | N/A | |||||
| 703 | XXXX | XXXX | XXXX | Closed | 2026-07-22 16:11 | 2026-07-22 16:11 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 10413897 | Investor Post-Close | No | |||||||
| 709 | XXXX | XXXX | XXXX | Closed | 2026-07-07 14:56 | 2026-10-02 12:12 | Waived | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Lender provided
approved exception dated prior to consummation and all lender compensating
factors have been documented and validated.
Finding is non-material, and loan will be graded a B. - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. Pease see Underwriter response attached - Buyer-07/XX/2026 Counter-Audited DTI of 52.19% exceeds Guideline DTI of 50% Lender provided exception for DTI, however the DTI on exception states 54.42%, when Audited DTI at 52.19%. provided the correct DTI exception to match the Audit DTI. condition remains - Due Diligence Vendor-07/XX/2026 Resolved-Audited DTI of % is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached DTI exception with max DTI of 55% - Buyer-07/XX/2026 Counter-Audited DTI of 52.19% is a rounded figure of the DTI provided on final 1008 which was 52.188%. All income and liabilities were confirmed. The DTI exceeds the maximum allowed of 50% per guidelines. - Due Diligence Vendor-07/XX/2026 Ready for Review-Please provide additional details to support your DTI calculation - Buyer-07/XX/2026 Open-Audited DTI of 52.19% exceeds Guideline DTI of 50% Gridline DTI is 50% and Lender calculated DTI is 52.188% - Due Diligence Vendor-07/XX/2026 |
Waived-Lender provided
approved exception dated prior to consummation and all lender compensating
factors have been documented and validated.
Finding is non-material, and loan will be graded a B. - Due Diligence
Vendor-07/28/2026 Resolved-Audited DTI of % is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/23/2026 |
XXXX | Post Closing reserves of
$112855 or 15 months vs required reserves of 6 months FICO of 766 vs Min FICO 740 0x30 on mortgages or an debt on credit LTV of 67.34% vs Max of 85% PITIA decreasing from $7641 to $7083.10 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10103458 | Originator Pre-Close | Yes | |||||
| 718 | XXXX | XXXX | XXXX | Closed | 2026-07-23 15:23 | 2026-07-23 15:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/23/2026 |
HI | Primary Residence | Purchase | NA | 10436759 | Investor Post-Close | No | |||||||
| 734 | XXXX | XXXX | XXXX | Closed | 2026-06-08 12:59 | 2026-08-06 17:09 | Waived | 2 - Non-Material | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Investor provided
approved exception and all compensation factors have been documented and
validated. Finding is non-material, and loan will be graded a B. - Due
Diligence Vendor-08/XX/2026 Counter-Provide written confirmation of Managements decision to waive housing requirement for the loan file. Once received, we will clear finding - Due Diligence Vendor-07/XX/2026 Ready for Review- The mortgage reporting on the credit report is sufficient, per UW senior management we don't need April 2026's payment verified. - Investor-07/XX/2026 Counter-Provide exception citing acknowledgement of missing April 2026 payment from UW management - Due Diligence Vendor-07/XX/2026 Ready for Review-Upper UW management response: The mortgage reporting on the credit report is sufficient. - Investor-07/XX/2026 Counter-XXXX Product Summary, Item 27. Housing Payment History: requires verification of Housing Payment History: 0x30x12 within the 12 months prior to closing. Primary residence housing history verified with the exception of April 2026, which is required as the mortgage could not go 30 days delinquent within the 12 months prior to the XXXX closing date. Provide exception if unable to provide documentation. - Due Diligence Vendor-07/XX/2026 Ready for Review-Credit report date 3/XX, app date 4/XX, and note date 5/XX. The mortgages all reported on credit report up through 2/2026 and 3/2026 which is acceptable. The credit report was within document expiration timeframes when the loan closed. We would not need to obtain updated VOMs on all these mortgages in this case. - Buyer-07/XX/2026 Counter-Received rebuttal stating the finding is incorrect; however, the XXXX guidelines clearly state "within the 12 months prior to closing" . Not resolved. - Due Diligence Vendor-06/XX/2026 Ready for Review-Finding is incorrect, nothing additional needed. We do not require additional payment history to be provided beyond the acceptable credit report. Credit report was still good at time of closing. - Buyer-06/XX/2026 Counter-XXXX Product Summary, Item 27. Housing Payment History: requires verification of Housing Payment History: 0x30x12. Applies to all mortgages and rental payments within the 12 months prior to closing. Finding remains. - Due Diligence Vendor-06/XX/2026 Ready for Review-Credit report pulled 3/31 showing last payment made 3/2026. No Additional payment history is required since credit report was valid at time of closing and not expired - Buyer-06/XX/2026 Counter-Missing evidence of the April 2026 mortgage payment for the primary residence. March and May payments verified on bank statements. Finding remains - Due Diligence Vendor-06/XX/2026 Ready for Review-Previous mtg with XXXX showing opened 8/18 and closed XXXX when current mortgage with XXXX was opened. Shows paying off previous mortgage with XXXX on credit report. No missing mortgage history for XXXXX - Seller-06/XX/2026 Counter-Provide April 2026 mortgage payment history for XXXX mortgage that secures is listed as securing the borrower's primary residence on the 1003. - Due Diligence Vendor-06/XX/2026 Ready for Review-Please provide address and/or loan in question. - Seller-06/XX/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. For primary property, mortgage opened date is XXXX. Provided 3 months mortgage history for primary property. However, we required for 4 months mortgage history. April months history is missing. - Due Diligence Vendor-06/XX/2026 |
Ready for Review-Previous
mtg with XXXX showing opened 8/18 and closed XXXX when current mortgage with
XXXX was opened. Shows paying off
previous mortgage with XXXX on credit report.
No missing mortgage history for XXXX - Seller-06/23/2026 Ready for Review-Please provide address and/or loan in question. - Seller-06/17/2026 |
Waived-Investor provided
approved exception and all compensation factors have been documented and
validated. Finding is non-material, and loan will be graded a B. - Due
Diligence Vendor-08/06/2026 |
Comp factors - experienced investor, 1.32 DSCR, 74.60 LTV, No lates on current or past mortgages. | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 9612040 | Investor Post-Close | No | |||||
| 734 | XXXX | XXXX | XXXX | Closed | 2026-06-10 17:27 | 2026-06-16 12:16 | 2026-06-16 12:16 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-thank you for
providing the Business Purpose Affidavit. Resolved. - Due Diligence Vendor-06/XX/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-06/XX/2026 Ready for Review-Document Uploaded. business purpose - Buyer-06/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. Business Purpose Affidavit could not be located in loan file. - Due Diligence Vendor-06/XX/2026 |
Resolved-thank you for
providing the Business Purpose Affidavit. Resolved. - Due Diligence Vendor-06/16/2026 Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-06/16/2026 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 9673365 | N/A | N/A | |||||
| 739 | XXXX | XXXX | XXXX | Closed | 2026-07-23 09:28 | 2026-07-23 09:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/23/2026 |
OR | Primary Residence | Purchase | NA | 10426558 | Investor Post-Close | No | |||||||
| 740 | XXXX | XXXX | XXXX | Closed | 2026-07-23 10:17 | 2026-10-02 12:13 | Waived | 2 - Non-Material | Credit | Eligibility | Credit history does not meet guidelines | Waived-Permit one non-traditional tradeline on an investment purchase to supplement the 2 on the credit report. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-07/XX/2026 | Waived-Permit one
non-traditional tradeline on an investment purchase to supplement the 2 on
the credit report. Lender provided approved exception dated prior to
consummation and all lender compensating factors have been documented and
validated. Finding is non-material,
and loan will be graded a B. - Due Diligence Vendor-07/23/2026 |
LTV is 80% vs max of 85%; DTI is 28% vs max 50% with no rental income being used on subject property; current primary mortgage opened 3/2026 is 0x30; and have VOR from prior primary rental as a non-traditional tradeline showing 0X30 since 2021 728 FICO | FL | Investment | Purchase | NA | 10427948 | Originator Pre-Close | Yes | ||||||
| 744 | XXXX | XXXX | XXXX | Closed | 2026-07-28 10:16 | 2026-08-05 13:24 | 2026-08-05 13:24 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1
Executed 4506-T received. Resolved - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. 4506c - Buyer-08/XX/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-07/XX/2026 |
Resolved-Borrower 1
Executed 4506-T received. Resolved - Due Diligence Vendor-08/05/2026 |
XXXX | FL | Investment | Purchase | NA | 10491189 | N/A | N/A | |||||
| 744 | XXXX | XXXX | XXXX | Closed | 2026-07-24 09:44 | 2026-07-24 09:44 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Provided valuation reports are within tolerance. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. Provided valuation
reports are within tolerance. - Due Diligence Vendor-07/24/2026 |
FL | Investment | Purchase | NA | 10449528 | Investor Post-Close | No | |||||||
| 746 | XXXX | XXXX | XXXX | Closed | 2026-07-09 07:19 | 2026-08-03 11:13 | 2026-08-03 11:13 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Lender provided
B1 driver's license. condition resolved.
- Due Diligence Vendor-08/XX/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached drivers license. - Buyer-08/XX/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided B1
driver's license. condition resolved.
- Due Diligence Vendor-08/03/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-08/03/2026 |
XXXX | NY | Primary Residence | Purchase | NA | 10147945 | N/A | N/A | |||||
| 746 | XXXX | XXXX | XXXX | Closed | 2026-07-09 09:52 | 2026-07-10 16:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. S&P value equals B,
secondary product within tolerance - Due Diligence Vendor-07/10/2026 |
NY | Primary Residence | Purchase | NA | 10151824 | Investor Post-Close | No | |||||||
| 755 | XXXX | XXXX | XXXX | Closed | 2026-07-16 11:50 | 2026-08-05 14:30 | 2026-08-05 14:30 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Re-signed Note
received. Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached Note. - Buyer-08/XX/2026 Counter-Sorry for confusion, do the resigning of the Note. condition remains the same - Due Diligence Vendor-07/XX/2026 Ready for Review-I'm sorry but I want to clarify one thing. - If we can provide a letter of explanation why borrower signature was slightly different on the Note and Mortgage, can we clear this condition with LOE without resigning Note? Could you please advise. Thanks. - Investor-07/XX/2026 Counter-Lender asks about resigning the Note, this would be acceptable with explanation why there was different in signatures. condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Please advise if the resigning Note with borrowers signatures matching the signatures on the Deed of Trust will be sufficient to clear this condition for the Deed of Trust. Thanks. - Investor-07/XX/2026 Open-Borrower 1 Signature does not match Note - Due Diligence Vendor-07/XX/2026 |
Resolved-Re-signed Note
received. Resolved. - Due Diligence Vendor-08/05/2026 |
XXXX | CT | Primary Residence | Purchase | NA | 10294009 | N/A | N/A | |||||
| 755 | XXXX | XXXX | XXXX | Closed | 2026-07-15 06:59 | 2026-07-24 11:54 | 2026-07-24 11:54 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Lender provided
all pages of the Note, condition resolved. - Due Diligence Vendor-07/XX/2026
Resolved-The Note is Present - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded all 4 pages of the Note - Investor-07/XX/2026 Open-The Note is Incomplete Note page 4 is missing in the loan file. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
all pages of the Note, condition resolved. - Due Diligence Vendor-07/24/2026
Resolved-The Note is Present - Due Diligence Vendor-07/24/2026 |
XXXX | CT | Primary Residence | Purchase | NA | 10258792 | N/A | N/A | |||||
| 755 | XXXX | XXXX | XXXX | Closed | 2026-07-15 11:36 | 2026-07-23 10:13 | 2026-07-23 10:13 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Lender provided
Homeownership Counseling Organization Disclosure dated 05/XX/26. condition
resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded HOC agencies list dated 5.19XX26 - Investor-07/XX/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (2026-06-22) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
Homeownership Counseling Organization Disclosure dated 05/19/26. condition
resolved. - Due Diligence Vendor-07/23/2026 |
XXXX | CT | Primary Residence | Purchase | NA | 10266010 | N/A | N/A | |||||
| 755 | XXXX | XXXX | XXXX | Closed | 2026-07-15 10:39 | 2026-07-15 13:09 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/15/2026 |
CT | Primary Residence | Purchase | NA | 10264596 | Investor Post-Close | No | |||||||
| 765 | XXXX | XXXX | XXXX | Closed | 2026-07-28 17:51 | 2026-08-03 10:23 | 2026-08-03 10:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good
Standing provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Documentation received, finding resolved - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Good Standing - Buyer-07/XX/2026 Open-Missing Evidence of Good Standing. Missing Evidence of Good Standing dated within 90 days of the note date. - Due Diligence Vendor-07/XX/2026 |
Resolved-Evidence of Good
Standing provided - Due Diligence Vendor-08/03/2026 |
XXXX | SC | Investment | Purchase | NA | 10502494 | N/A | N/A | |||||
| 768 | XXXX | XXXX | XXXX | Closed | 2026-07-23 12:52 | 2026-07-31 11:13 | 2026-07-31 11:13 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-Received Initial
disclosures and acknowledgement of receipt. Resolved - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached initial disclosures and acknowledgement of receipt, What Mortgage Applicants Need to Know Pamphlet is included in initial disclosures. - Buyer-07/XX/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. - Due Diligence Vendor-07/XX/2026 |
Resolved-Received Initial
disclosures and acknowledgement of receipt. Resolved - Due Diligence
Vendor-07/31/2026 |
XXXX | NY | Primary Residence | Purchase | NA | 10433251 | N/A | N/A | |||||
| 770 | XXXX | XXXX | XXXX | Closed | 2026-07-27 17:57 | 2026-10-02 11:41 | 2026-07-30 09:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. business purpose - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/30/2026 |
XXXX | FL | Investment | Purchase | NA | 10479805 | N/A | N/A | |||||
| 771 | XXXX | XXXX | XXXX | Closed | 2026-07-22 13:21 | 2026-07-23 08:38 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Secondary valuation within
tolerance. - 07/23/2026 |
Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
GA | Primary Residence | Purchase | NA | 10409528 | Investor Post-Close | No | ||||||
| 774 | XXXX | XXXX | XXXX | Closed | 2026-07-24 15:56 | 2026-07-24 15:56 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. Invalid Finding - Due Diligence Vendor-07/XX/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Not Provided Timely. Invalid Finding -
Due Diligence Vendor-07/24/2026 |
OR | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 10459354 | Investor Post-Close | No | |||||||
| 778 | XXXX | XXXX | XXXX | Closed | 2026-07-07 12:25 | 2026-07-23 12:19 | 2026-07-23 12:19 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender stated
they are paying for 1/4 of State Stamps for NY. condition resolved. - Due
Diligence Vendor-07/XX/2026 Resolved- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Resolved- - Due Diligence Vendor-07/XX/2026 Ready for Review-Hello, per our Closing - This is not a true lender credit but the 1/4 point for lender paid transfer taxes for the State of NY. There will be no COC. Please clear this condition. Thanks. - Buyer-07/XX/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,470.50) were applied to the total fee variance of ($2,948.10) 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. COC required for Lender credit $1,470.50 of dated 06/XX/2026. - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender stated they
are paying for 1/4 of State Stamps for NY. condition resolved. - Due
Diligence Vendor-07/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 10100405 | N/A | N/A | ||||||
| 778 | XXXX | XXXX | XXXX | Closed | 2026-07-07 12:25 | 2026-07-23 12:19 | 2026-07-23 12:19 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (XX) | Resolved-Lender stated
they are paying for 1/4 of State Stamps for NY. condition resolved. - Due
Diligence Vendor-07/XX/2026 Resolved-Lender stated they are paying for 1/4 of State Stamps for NY. condition resolved. - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Resolved- - Due Diligence Vendor-07/XX/2026 Ready for Review-Hello, per our Closing - This is not a true lender credit but the 1/4 point for lender paid transfer taxes for the State of NY. There will be no COC. Please clear this condition. Thanks. - Buyer-07/XX/2026 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($1,470.50) were applied to the total fee variance of ($2,948.10) between the baseline disclosure and the actual fee amounts. 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. COC required for Lender credit $1,470.50 of dated 06/XX/2026. - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender stated they
are paying for 1/4 of State Stamps for NY. condition resolved. - Due
Diligence Vendor-07/23/2026 Resolved-Lender stated they are paying for 1/4 of State Stamps for NY. condition resolved. - Due Diligence Vendor-07/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 10100404 | N/A | N/A | ||||||
| 778 | XXXX | XXXX | XXXX | Closed | 2026-07-07 10:31 | 2026-07-17 08:27 | 2026-07-17 08:27 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID
expiration date is XXXX and note is dated XXXX. - Due Diligence
Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see uploaded a temporary ID - Buyer-07/XX/2026 Open-Borrower photo ID expiration date is XXXX and note is dated XXXX. Borrower photo ID expired. - Due Diligence Vendor-07/XX/2026 |
Resolved-Borrower photo ID
expiration date is XXXX and note is dated XXXX. - Due Diligence
Vendor-07/17/2026 |
XXXX | NY | Primary Residence | Refinance | Cash Out - Other | 10097545 | N/A | N/A | |||||
| 781 | XXXX | XXXX | XXXX | Closed | 2026-07-24 08:51 | 2026-10-02 12:14 | Waived | 2 - Non-Material | Credit | Missing Doc | Missing VOM or VOR | Waived-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Request exception to waive VOR on the subject that is being purchased from grandmother. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-07/XX/2026 | Waived-Verification of Rent
(VOR)/Verification of Mortgage (VOM) Document is Missing. Request exception
to waive VOR on the subject that is being purchased from grandmother. Lender
provided approved exception dated prior to consummation and all lender compensating
factors have been documented and validated.
Finding is non-material, and loan will be graded a B. - Due Diligence
Vendor-07/24/2026 |
65% LTV vs max of 75% * mtg 0x30 since 2012 * 18k required, vs $28k reserves * 736 FICO | OR | Primary Residence | Purchase | NA | 10448447 | Originator Pre-Close | Yes | ||||||
| 781 | XXXX | XXXX | XXXX | Closed | 2026-07-24 15:46 | 2026-08-10 10:39 | 2026-08-10 10:39 | Resolved | 1 - Information | Credit | Missing Doc | Gift Documentation Incomplete | Resolved-Lender provided
PCCD updating the gift of equity verbiage.
condition cleared. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached updated PCCD - Buyer-08/XX/2026 Counter-Since the PCCD was used to completed purchase transaction 'gift of equity' clearing needs to be stated. please provided corrected PCCD per lender guidelines requirement. condition remains. - Due Diligence Vendor-07/XX/2026 Ready for Review-Final CD section L, line 06 states Gift from XXXX, please waive condition as Gift is referenced - Buyer-07/XX/2026 Open-Gift Documentation Incomplete. The lender guideline 6A.4 requires the Closing disclosure to clearly label "Gift of equity". The PCCD in file does not clearly label "Gift of equity" on page 3. Please provide corrected PCCD. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
PCCD updating the gift of equity verbiage.
condition cleared. - Due Diligence Vendor-08/10/2026 |
XXXX | OR | Primary Residence | Purchase | NA | 10459239 | N/A | N/A | |||||
| 783 | XXXX | XXXX | XXXX | Closed | 2026-07-23 11:12 | 2026-08-03 12:43 | 2026-08-03 11:31 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided
VOM with property taxes for B investment property and CB 2nd mortgage on
primary residence. condition resolved. - Due Diligence Vendor-08/XX/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached - Buyer-08/XX/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Mortgage statement for second mortgage for the coborrowers primary residence and Mortgage statement for borrower investment property is missing. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
VOM with property taxes for B investment property and CB 2nd mortgage on
primary residence. condition resolved. - Due Diligence Vendor-08/03/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-08/03/2026 |
XXXX | NY | Primary Residence | Purchase | NA | 10430867 | N/A | N/A | |||||
| 783 | XXXX | XXXX | XXXX | Closed | 2026-07-23 14:28 | 2026-08-03 11:32 | 2026-08-03 11:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-Lender provided
VOM with property taxes for B investment property and CB 2nd mortgage on
primary residence. condition resolved. - Due Diligence Vendor-08/XX/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-08/XX/2026 Ready for Review-Please find attached VOM documents - Buyer-08/XX/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. missing documentation mortgage statement, HOI, Tax Cert, HOA to verify borrower's REO 3.a/investment residences payment history, PITI. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
VOM with property taxes for B investment property and CB 2nd mortgage on
primary residence. condition resolved. - Due Diligence Vendor-08/03/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-08/03/2026 |
XXXX | NY | Primary Residence | Purchase | NA | 10435731 | N/A | N/A | |||||
| 783 | XXXX | XXXX | XXXX | Closed | 2026-07-23 14:29 | 2026-08-03 11:31 | 2026-08-03 11:31 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided
VOM with property taxes for B investment property and CB 2nd mortgage on
primary residence. condition resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Please find statement attached - Investor-08/XX/2026 Open-Mortgage statement for second mortgage for the coborrowers primary residence and Mortgage statement for borrower investment property is missing. upon receipt of documents additional condition may apply. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
VOM with property taxes for B investment property and CB 2nd mortgage on
primary residence. condition resolved. - Due Diligence Vendor-08/03/2026 |
XXXX | NY | Primary Residence | Purchase | NA | 10435760 | N/A | N/A | |||||
| 788 | XXXX | XXXX | XXXX | Closed | 2026-07-22 12:44 | 2026-07-22 12:44 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
FL | Investment | Purchase | NA | 10408733 | Investor Post-Close | No | |||||||
| 798 | XXXX | XXXX | XXXX | Closed | 2026-07-28 08:38 | 2026-08-05 14:36 | 2026-08-05 14:36 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Hazard Insurance
Coverage Amount of $XX is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached showing policy written with replacement cost coverage. - Buyer-08/XX/2026 Open-Hazard Insurance Coverage Amount of $XX is less than Total Amount of Subject Lien(s) of XXXX - Due Diligence Vendor-07/XX/2026 |
Resolved-Hazard Insurance
Coverage Amount of $XX is equal to or greater than Total Amount of Subject
Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence
Vendor-08/05/2026 |
XXXX | TX | Primary Residence | Purchase | NA | 10488870 | N/A | N/A | |||||
| 798 | XXXX | XXXX | XXXX | Closed | 2026-07-27 03:28 | 2026-07-27 03:30 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/27/2026 |
S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. | TX | Primary Residence | Purchase | NA | 10464176 | Investor Post-Close | No | ||||||
| 801 | XXXX | XXXX | XXXX | Closed | 2026-07-28 10:09 | 2026-07-28 10:09 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P RA
Only - Value grade equals B, secondary product within tolerance. This finding
will be rated a B for S&P. All other agencies will be rated as A. - Due
Diligence Vendor-07/28/2026 |
SC | Primary Residence | Purchase | NA | 10490980 | Investor Post-Close | No | |||||||
| 802 | XXXX | XXXX | XXXX | Closed | 2026-07-27 18:38 | 2026-07-31 11:03 | 2026-07-31 11:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/XX/2026 Ready for Review-Document received, finding resolved - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert. - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-07/31/2026 |
XXXX | TX | Investment | Refinance | No Cash Out - Borrower Initiated | 10480182 | N/A | N/A | |||||
| 805 | XXXX | XXXX | XXXX | Closed | 2026-07-21 14:58 | 2026-07-21 14:58 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. S&P value equals B,
secondary product within tolerance - Due Diligence Vendor-07/21/2026 |
MS | Investment | Purchase | NA | 10387308 | Investor Post-Close | No | |||||||
| 808 | XXXX | XXXX | XXXX | Closed | 2026-07-28 10:42 | 2026-08-03 11:50 | 2026-08-03 11:50 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Documentation
received, finding resolved - Due Diligence Vendor-08/XX/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. cbr - Buyer-07/XX/2026 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-07/XX/2026 |
Resolved-Documentation
received, finding resolved - Due Diligence Vendor-08/03/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-08/03/2026 |
XXXX | MI | Investment | Refinance | Cash Out - Other | 10491732 | N/A | N/A | |||||
| 808 | XXXX | XXXX | XXXX | Closed | 2026-07-28 10:42 | 2026-08-03 11:49 | 2026-08-03 11:49 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Documentation
received, finding resolved - Due Diligence Vendor-08/XX/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. cbr - Buyer-07/XX/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-07/XX/2026 |
Resolved-Documentation
received, finding resolved - Due Diligence Vendor-08/03/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/03/2026 |
XXXX | MI | Investment | Refinance | Cash Out - Other | 10491731 | N/A | N/A | |||||
| 815 | XXXX | XXXX | XXXX | Closed | 2026-07-07 12:02 | 2026-10-19 12:40 | 2026-07-24 11:49 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided
an updated credit report for both borrowers, condition resolved. - Due
Diligence Vendor-07/XX/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached credit report. - Buyer-07/XX/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements As per the guideline 1A.6, all documents must be no older than 90 days from the Note Date. The Credit Report in file exceeds the 90 days. Please provided updated credit report for both B1 and B2 - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided an
updated credit report for both borrowers, condition resolved. - Due Diligence
Vendor-07/24/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-07/24/2026 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 10099632 | N/A | N/A | |||||
| 815 | XXXX | XXXX | XXXX | Closed | 2026-07-08 07:47 | 2026-07-24 11:49 | 2026-07-24 11:49 | Resolved | 1 - Information | Credit | Eligibility | Credit Report Expired | Resolved-Lender provided
an updated credit report for both borrowers, condition resolved. - Due
Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached credit report. - Buyer-07/XX/2026 Open-As per the guideline 1A.6, all documents must be no older than 90 days from the Note Date. The Credit Report in file exceeds the 90 days. Please provided updated credit report for both B1 and B2. - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided an
updated credit report for both borrowers, condition resolved. - Due Diligence
Vendor-07/24/2026 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Debt Consolidation | 10118887 | N/A | N/A | |||||
| 820 | XXXX | XXXX | XXXX | Closed | 2026-07-28 09:17 | 2026-08-10 12:29 | 2026-08-10 12:29 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation
received, finding resolved - Due Diligence Vendor-08/XX/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached verification documents - Buyer-08/XX/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. File is missing Verification of Rent for borrower's primary residence. - Due Diligence Vendor-07/XX/2026 |
Resolved-Documentation
received, finding resolved - Due Diligence Vendor-08/10/2026 Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-08/10/2026 |
XXXX | AZ | Investment | Purchase | NA | 10489792 | N/A | N/A | |||||
| 822 | XXXX | XXXX | XXXX | Closed | 2026-07-22 12:58 | 2026-08-10 10:55 | 2026-08-10 10:55 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Lender provided
COC with a valid change of circumstance regarding the lender credit. Condition cleared - Due Diligence
Vendor-08/XX/2026 Resolved-Resolved - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find COC's attached - Investor-08/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($16,941.20). The actual total fee amount shows a credit amount of ($5,051.20). The following actual fees submitted as "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. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Closing Disclosure, dated 07/XX/2026 reflects a general Lender Credit of $12841.20 in Section J. (Final / Post-Closing) CD dated 07/XX/2026 and 07/XX/2026 reflects a general Lender Credit of $5951.20 and $951.20 in Section J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
COC with a valid change of circumstance regarding the lender credit. Condition cleared - Due Diligence
Vendor-08/10/2026 Resolved-Resolved - Due Diligence Vendor-08/10/2026 |
XXXX | NY | Primary Residence | Purchase | NA | 10409028 | N/A | N/A | |||||
| 822 | XXXX | XXXX | XXXX | Closed | 2026-07-22 12:58 | 2026-08-10 10:55 | 2026-08-10 10:55 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (XX) | Resolved-Lender provided
COC with a valid change of circumstance regarding the lender credit. Condition cleared - Due Diligence
Vendor-08/XX/2026 Resolved-Resolved - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find COC's attached - Seller-08/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($16,941.20). The Last CD shows a total lender credit amount of ($5,051.20). 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. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Closing Disclosure, dated 07/XX/2026 reflects a general Lender Credit of $12841.20 in Section J. (Final / Post-Closing) CD dated 07/XX/2026 and 07/XX/2026 reflects a general Lender Credit of $5951.20 and $951.20 in Section J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 |
Ready for Review-Document
Uploaded. Please find COC's attached - Seller-08/07/2026 |
Resolved-Lender provided
COC with a valid change of circumstance regarding the lender credit. Condition cleared - Due Diligence
Vendor-08/10/2026 Resolved-Resolved - Due Diligence Vendor-08/10/2026 |
XXXX | NY | Primary Residence | Purchase | NA | 10409027 | N/A | N/A | ||||
| 822 | XXXX | XXXX | XXXX | Closed | 2026-07-22 11:58 | 2026-08-03 10:40 | 2026-08-03 10:40 | Resolved | 1 - Information | Compliance | Disclosure | Missing “What Mortgage Applicants Need to Know” Pamphlet | Resolved-New York pamphlet
“What Mortgage Applicants Need to Know” provided. condition resolved. - Due
Diligence Vendor-08/XX/2026 Resolved-Disclosure provided. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please find attached Need to Know pamphlet - Investor-07/XX/2026 Open-Missing the New York pamphlet “What Mortgage Applicants Need to Know” which must be provided by licensed lenders, mortgage bankers and other banking organizations effective 06/XX/2025. Missing “What Mortgage Applicants Need to Know” Pamphlet. - Due Diligence Vendor-07/XX/2026 |
Resolved-New York pamphlet
“What Mortgage Applicants Need to Know” provided. condition resolved. - Due
Diligence Vendor-08/03/2026 Resolved-Disclosure provided. - Due Diligence Vendor-08/03/2026 |
XXXX | NY | Primary Residence | Purchase | NA | 10407203 | N/A | N/A | |||||
| 826 | XXXX | XXXX | XXXX | Closed | 2026-07-23 10:47 | 2026-07-23 10:48 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/23/2026 |
IL | Primary Residence | Refinance | Cash Out - Other | 10430356 | Investor Post-Close | No | |||||||
| 833 | XXXX | XXXX | XXXX | Closed | 2026-07-14 07:05 | 2026-08-03 11:04 | 2026-08-03 11:04 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Lender provided
updated 1008 and 1003 with other income being used for qualifying, condition
resolved. - Due Diligence Vendor-08/XX/2026 Resolved-Audited DTI of 49% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. 1003 and 1008 - Buyer-07/XX/2026 Counter-The asset depletion does bring the DTI under 50%, however the final 1008 and final 1003 do not include this income. Please provide updated 1008 and 1003 including this income. - Due Diligence Vendor-07/XX/2026 Resolved-Audited DTI of 49% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. The Asset dissipation income of $820.07 was added to the loan prior to docs bringing the DTI ratio under 50%. Please clear the file, see attached income worksheet and 2 months XXXX statements. Thank you. - Buyer-07/XX/2026 Open-Audited DTI of 50.44% exceeds Guideline DTI of 50% DTI variance is due to the P&I amount on the 1008 differing from the Note document because the loan is interest-only - Due Diligence Vendor-07/XX/2026 |
Resolved-Lender provided
updated 1008 and 1003 with other income being used for qualifying, condition
resolved. - Due Diligence Vendor-08/03/2026 Resolved-Audited DTI of 49% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-08/03/2026 Resolved-Audited DTI of 49% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-07/28/2026 |
XXXX | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or XXXX | 10228057 | N/A | N/A | |||||
| 836 | XXXX | XXXX | XXXX | Closed | 2026-07-22 14:44 | 2026-08-05 13:59 | 2026-08-05 13:59 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Updated 1003/1008
received. Property report/bill statement supports REO business owned. - Due
Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. These properties are owned by an LLC and not the borrower. We do not need to verify taxes and insurance for properties the borrower does not personally own. These properties were removed from the REO. updated 1008 and 1003 are attached. - Buyer-08/XX/2026 Counter-Lender provided the same documentation for both properties; however, commercial property located at XXXX is still missing HOI and property taxes; commercial property located at XXXX still HOI. condition remains. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached statements from commercial properties owned by LLC. - Buyer-07/XX/2026 Open-Property -XXXX- No supporting documents were found for tax and insurance Property-XXXX-No supporting documents were found for insurance - Due Diligence Vendor-07/XX/2026 |
Resolved-Updated 1003/1008
received. Property report/bill statement supports REO business owned. - Due
Diligence Vendor-08/05/2026 |
XXXX | TN | Primary Residence | Refinance | Cash Out - Other | 10411371 | N/A | N/A | |||||
| 836 | XXXX | XXXX | XXXX | Closed | 2026-07-22 12:28 | 2026-07-22 12:28 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
TN | Primary Residence | Refinance | Cash Out - Other | 10408349 | Investor Post-Close | No | |||||||
| 839 | XXXX | XXXX | XXXX | Closed | 2026-07-23 06:02 | 2026-07-31 11:37 | 2026-07-31 11:37 | Resolved | 1 - Information | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-16 01-Jan-2025
31-Jan-2025 & 20 01-Sep-2024 30-Sep-2024 bank statement received.
Resolved. - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please see attached bank statements. - Buyer-07/XX/2026 Open- - Due Diligence Vendor-07/XX/2026 Acknowledged-16 01-Jan-2025 31-Jan-2025 bank Statement missing for total deposit $157,288.31 and 20 01-Sep-2024 30-Sep-2024 bank statement missing for total deposit $170,689.57. - Due Diligence Vendor-07/XX/2026 |
Resolved-16 01-Jan-2025
31-Jan-2025 & 20 01-Sep-2024 30-Sep-2024 bank statement received.
Resolved. - Due Diligence Vendor-07/31/2026 Acknowledged-16 01-Jan-2025 31-Jan-2025 bank Statement missing for total deposit $157,288.31 and 20 01-Sep-2024 30-Sep-2024 bank statement missing for total deposit $170,689.57. - Due Diligence Vendor-07/23/2026 |
XXXX | FL | Investment | Refinance | No Cash Out - Borrower Initiated | 10422622 | N/A | N/A | |||||
| 839 | XXXX | XXXX | XXXX | Closed | 2026-07-22 09:53 | 2026-07-22 09:53 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/22/2026 |
FL | Investment | Refinance | No Cash Out - Borrower Initiated | 10401723 | Investor Post-Close | No | |||||||
| 843 | XXXX | XXXX | XXXX | Closed | 2026-07-28 07:04 | 2026-08-11 12:48 | 2026-08-11 12:48 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-Desk review
received - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached secondary valuation. - Buyer-08/XX/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Desk review in file did not return a result. Guidelines require a secondary valuation to support value. - Due Diligence Vendor-07/XX/2026 |
Resolved-Desk review
received - Due Diligence Vendor-08/11/2026 |
XXXX | MA | Investment | Refinance | Cash Out - Debt Consolidation | 10486694 | N/A | N/A | |||||
| 848 | XXXX | XXXX | XXXX | Closed | 2026-07-09 11:10 | 2026-07-31 15:08 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Lender provided
approved exception dated prior to origination and all lender compensation
factors have been documented and validated. Finding is non-material, and loan
will be graded a B. - Due Diligence
Vendor-07/XX/2026 Acknowledged- - Due Diligence Vendor-07/XX/2026 Ready for Review-Document Uploaded. Please find attached exception approval. Please provide additional details regarding what is required in regard to this condition, - Buyer-07/XX/2026 Open-Audited FICO of 696 is less than Guideline FICO of 700 696 FICO vs 700 required - Exception page # 284 - Due Diligence Vendor-07/XX/2026 |
Waived-Lender provided
approved exception dated prior to origination and all lender compensation
factors have been documented and validated. Finding is non-material, and loan
will be graded a B. - Due Diligence
Vendor-07/31/2026 |
XXXX | DTI 5% vs 50% Max Allowed Per Guidelines
Reserves $250K vs $60K Minimum Required Per Guidelines Housing Payment History: 0x30x24 vs 0x30x12 Minimum Allowed Per Guidelines |
CA | Primary Residence | Purchase | NA | 10154369 | Originator Pre-Close | Yes | |||||
| 855 | XXXX | XXXX | XXXX | Closed | 2026-07-13 16:06 | 2026-10-02 10:46 | 2026-10-02 10:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-10/XX/2026 Resolved-Business Purpose Affidavit received. Resolved. - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see attached business purpose cert - Buyer-08/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-10/02/2026 Resolved-Business Purpose Affidavit received. Resolved. - Due Diligence Vendor-08/06/2026 |
XXXX | MD | Investment | Purchase | NA | 10215394 | N/A | N/A | |||||
| 855 | XXXX | XXXX | XXXX | Closed | 2026-07-09 13:57 | 2026-07-09 13:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/XX/2026 | Acknowledged-S&P value
equals B, secondary product within tolerance. This finding will be rated a B
for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-07/09/2026 |
MD | Investment | Purchase | NA | 10158348 | Investor Post-Close | No | |||||||
| 864 | XXXX | XXXX | XXXX | Closed | 2026-07-13 16:08 | 2026-08-03 16:33 | 2026-08-03 16:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/XX/2026 Ready for Review-Document Uploaded. Please see uploaded Business Purpose Cert - Buyer-07/XX/2026 Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-07/XX/2026 |
Resolved-Business Purpose
Affidavit provided - Due Diligence Vendor-08/03/2026 |
XXXX | OK | Investment | Purchase | NA | 10215438 | N/A | N/A | |||||
| 867 | XXXX | XXXX | XXXX | Closed | 2026-07-22 15:08 | 2026-07-31 11:31 | 2026-07-31 11:31 | Resolved | 1 - Information | Credit | Income/Employment | Income 4 Months Income Verified is Missing | Resolved-Appraisal rent
schedule reflects income used. Resolved. - Due Diligence Vendor-07/XX/2026
Ready for Review-UW explanation: Per guides, we would utilize the 1007 on a purchase. We would also input as "other" income. I took the conservative approach and used rental income of the lowest two units (subject is a 3-unit property) and multiplied by 75% again, per guides to obtain the rental income amount used for the other units. - Buyer-07/XX/2026 Open-Income 4 Months Income Verified is Missing Rental proof for amount 5512.5 is missing. - Due Diligence Vendor-07/XX/2026 |
Resolved-Appraisal rent
schedule reflects income used. Resolved. - Due Diligence Vendor-07/31/2026 |
NY | Primary Residence | Purchase | NA | 10412059 | N/A | N/A |