Exhibit 99.3
Exception Grades
Run Date - 10/28/2026 1:39:51 PM
| SitusAMC Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Waived with Regrade | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 226545860 | 3158710739 | 37837813 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation |
ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |
Reviewer Comment (2026-10-19): proof of appraisal delivery received Buyer Comment (2026-10-19): Do not Concur. Appraisal sent to the customer [Redacted] |
10/19/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545861 | 3158710741 | 37840735 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to the DTI issue and the third party verification of the business not being dated. |
Reviewer Comment (2026-10-22): third party verification with date received |
10/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | AZ | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545861 | 3158710741 | 37840738 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |
All of the Closing Disclosures in file are dated the day of closing. No evidence of borrower receipt of an earlier dated CD. |
Reviewer Comment (2026-10-16): initial CD received Buyer Comment (2026-10-16): Do not Concur. Initial CD in file and was sent to the customer on [Redacted] |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226545861 | 3158710741 | 37843501 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the DTI issue and the third party verification of the business not being dated. | Reviewer Comment (2026-10-22): third party verification with date received |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545861 | 3158710741 | 37843525 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Third Party Verification of Employment is not dated. | Reviewer Comment (2026-10-22): third party verification with date received Buyer Comment (2026-10-22): SOS with print date provided |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545861 | 3158710741 | 37843612 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the DTI issue and the third party verification of the business not being dated. | Reviewer Comment (2026-10-22): third party verification with date received Buyer Comment (2026-10-22): SOS provided |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545861 | 3158710741 | 37871984 | Credit | Income | Income Error | Income | Income document is missing the document date and/or tax year. | - | The business listing document for the borrower's business is not dated. | Reviewer Comment (2026-10-22): third party verification with date received Buyer Comment (2026-10-22): SOS provided with print date. |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545861 | 3158710741 | 37871992 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender's DTI does not include any debt for the borrower's non-subject REO properties. | Reviewer Comment (2026-10-19): DTI now meets guideline requirements |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545861 | 3158710741 | 37872078 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy |
Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Lender's DTI does not include any debt for the borrower's non-subject REO properties. | Reviewer Comment (2026-10-19): DTI now meets guideline requirements Buyer Comment (2026-10-19): workbook Buyer Comment (2026-10-19): All the non-subject REOs are reporting under the business. UW made the comment that she zero'd out the REO because it is cash flowed through the business and then evaluated the business per guidelines. Took some quick snippets of the [Redacted] 8825 forms, employment verification screen, and attached the e-workbook Rental Income ID-[Redacted] Rental Income Received Through a Partnership or S-Corporation Rental income received through IRS Form 8825 Rental Real Estate Income and Expenses of a Partnership or S-Corporation must be evaluated as self-employment income regardless of the customer's percentage of ownership interest or whether the customer is personally obligated on the mortgage debt. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545862 | 3158710742 | 37866010 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid Change of Circumstance was not provided for fee change, and no evidence of tolerance of cure was in the file. | Reviewer Comment (2026-10-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-16): Do Not Concur. The discount points increased when the pricing changed on [Redacted], please see system snips showing the CIC for the discount points change and the pricing change screen. This was disclosed timely to the borrower. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD |
C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545862 | 3158710742 | 37866012 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid Change of Circumstance was not provided for fee change, and no evidence of tolerance of cure was in the file. | Reviewer Comment (2026-10-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-16): Do Not Concur. The transfer tax increased when the vesting changed. Please see system snip of the CIC. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545866 | 3158710751 | 37803656 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. No valid Change of Circumstance in file and no evidence of a tolerance cure. | Reviewer Comment (2026-10-14): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-14): Do not Concur. Valid CICs for Lock expiration change and loan points [Redacted]. CD disclosed timely |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545867 | 3158710752 | 37891342 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-20): Do Not Concur. There was a credit score update, the pricing changed and this caused the discount points to change, please see system snips of the CIC and pricing change screens, this was disclosed timely to the borrower. |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545867 | 3158710752 | 37891343 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-20): Do Not Concur. There was an appraisal fee exception because unique property features were identified resulting in a more detailed appraisal needed, please see system snips of the CIC and appraisal order comment screens, this was disclosed timely to the borrower. |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545868 | 3158710754 | 37896922 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-10-27): verbal verification of replacement cost received, which meets guideline requirements Buyer Comment (2026-10-27): Document attached |
10/27/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545868 | 3158710754 | 37896927 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-20): Do Not Concur. The loan amount changed and the pricing changed and this caused the discount points to change, please see system snips of the CIC and pricing change screens, this was disclosed timely to the borrower. |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545870 | 3158710759 | 37900786 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-20): Sufficient Cure Provided At Closing |
10/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545873 | 3158710765 | 37890254 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-19): Sufficient Cure Provided At Closing |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226545874 | 3158710766 | 37838038 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing evidence that the initial CD was delivered to borrower 3 business days prior to closing. | Reviewer Comment (2026-10-15): evidence of initial CD delivery to borrower received Buyer Comment (2026-10-15): Do not Concur. Initial CD sent via [Redacted] [Redacted] |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226545883 | 3158710787 | 37827089 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal did not indicate an estimated cost new, and the value was $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-10-22): replacement cost coverage verified Buyer Comment (2026-10-21): Do not Agree- Loan is a refinance please page [Redacted] Flag Maintenance Section RCC- Y |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545883 | 3158710787 | 37827421 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The only CD in file is dated 2 days prior to closing. | Reviewer Comment (2026-10-15): initial CD delivery received Buyer Comment (2026-10-15): Please see attached Initial CD that was sent to the customer [Redacted] |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226545883 | 3158710787 | 37827422 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-15): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-15): Do not Concur. Final LE loan points increased with valid CICS of Loan amount and loan points [Redacted]. LE was disclosed timely. Points decreased at closing. No cure due back |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545885 | 3158710790 | 37844417 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-16): Do not Concur. Valid CICs for LnRate and Loan points [Redacted] increased points to $[Redacted]. CD disclosed timely. Then the points increased again and that increase was cured at closing even though there were valid CICs for loan amount and loan points. This is in favor to the customer |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545885 | 3158710790 | 37844418 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-16): Do not Concur. [Redacted] received the appraisal/invoice [Redacted]. Valid CIC for required inspection [Redacted] |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545885 | 3158710790 | 37844419 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-16): Do not Concur. Valid CICs for for purchase contract and loan amount changes [Redacted] and [Redacted]. Documents went out timely. The system incorrectly cured $[Redacted] for transfer taxes. This is in benefit to the customer |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545886 | 3158710791 | 37803834 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-10-15): verbal verification received and acceptable per guidelines Buyer Comment (2026-10-15): Do Not Agree, HOI verbally verified. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545888 | 3158710795 | 37867009 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid Change of Circumstance is not provided for fee increases, and no evidence of Tolerance of Cure is provided. | Reviewer Comment (2026-10-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-16): Do not Concur. Valid CICs for Lock extension and loan points [Redacted]. Loan points increased to $[Redacted] and disclosed timely. Loan points decreased at closing. No cure due back. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545890 | 3158710798 | 37803557 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Pages 5-10 of the final 1003 are missing. | Reviewer Comment (2026-10-15): all pages of final 1003 received Buyer Comment (2026-10-15): Do Not Agree, Pgs [Redacted]-[Redacted]attached Buyer Comment (2026-10-15): Loan Application Pg [Redacted] in file build on pages [Redacted] |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545890 | 3158710798 | 37803564 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the Borrower at Closing. | Reviewer Comment (2026-10-13): Sufficient Cure Provided At Closing |
10/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545891 | 3158710799 | 37804953 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-10-14): CDA received |
10/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545891 | 3158710799 | 37804964 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The file is missing the E-Sign Consent Agreement. | Reviewer Comment (2026-10-19): e-consent from initial 1003 acceptable |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545891 | 3158710799 | 37804993 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the tax returns in file not being signed and no signed 4506C for the applicable years either. | Reviewer Comment (2026-10-15): signed tax returns received |
10/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545891 | 3158710799 | 37804994 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - K-1 Less Than 25 Percent | General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. | The tax returns in file are not signed and no signed 4506C for the applicable years either. | Reviewer Comment (2026-10-15): signed tax returns received |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545891 | 3158710799 | 37804995 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than 25 Percent | General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. | The tax returns in file are not signed and no signed 4506C for the applicable years either. | Reviewer Comment (2026-10-15): signed tax returns received Buyer Comment (2026-10-15): Do Not Agree Buyer Comment (2026-10-15): Do Not Agree, Signed Tax Returns provided |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545892 | 3158710801 | 37902951 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of 4.5, which does not meet securitization requirements. | Reviewer Comment (2026-10-28): BPO received, with a value supporting the appraised value Buyer Comment (2026-10-28): See attached. |
10/28/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | NC | Primary | Refinance - Rate/Term | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545893 | 3158710802 | 37871887 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Final 1003 was not found in file. | No | 3 | C | C | C | C | C | C | C | C | C | C | VA | Primary | Purchase | C | C | C | C | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 226545893 | 3158710802 | 37872141 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM. | Reviewer Comment (2026-10-22): verification of business received Reviewer Comment (2026-10-19): this is a waterfall condition tied to the verification of employment, not points and fees Buyer Comment (2026-10-19): Please see undiscounted rate |
10/22/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM status | C | C | C | C | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545893 | 3158710802 | 37872142 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Unable to verify current S-Corp status using reasonably reliable third-party records. ([Redacted]) | Reviewer Comment (2026-10-22): verification of business received Buyer Comment (2026-10-21): Do No Agree, In file Build PG 1641 & VOE goggle source for [Redacted] in file build pg 1682 |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | C | C | C | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545893 | 3158710802 | 37872143 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing evidence that the initial CD was received by borrower 3 business days prior to closing. | Reviewer Comment (2026-10-19): verification of CD delivery received Buyer Comment (2026-10-19): Do not Concur. Initial CD sent electronically to customer [Redacted] |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | No Defined Cure | C | C | C | C | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226545893 | 3158710802 | 37872144 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-16): Sufficient Cure Provided At Closing |
10/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | C | C | C | C | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545893 | 3158710802 | 37872145 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-16): Sufficient Cure Provided At Closing |
10/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | VA | Primary | Purchase | Final CD evidences Cure | C | C | C | C | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545893 | 3158710802 | 37896825 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing third party verification of employment for the co-borrower's business, [Redacted]. | Reviewer Comment (2026-10-22): verification of business received Buyer Comment (2026-10-21): Do Not Agree, SOS in file build pg 1641 D1479 |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | C | C | C | C | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545894 | 3158710808 | 37825512 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-15): Exception approved with comp factors. |
10/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226545894 | 3158710808 | 37825518 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-15): Exception approved with comp factors. |
10/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226545894 | 3158710808 | 37825520 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-16): Do not Concur. Valid CIC for appraisal complexity [Redacted]. Comments attached and LE disclosed timely |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545895 | 3158710810 | 37808769 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-14): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-14): Do not Concur. Valid CICs for Loan Rate and Loan points [Redacted]. CD disclosed timely |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545896 | 3158710811 | 37863476 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-15): Sufficient Cure Provided At Closing |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545900 | 3158710817 | 37829027 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-15): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-15): Do not Concur. Valid CIC for lock expiration and loan points [Redacted]. CD disclosed timely |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545902 | 3158710822 | 37891629 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Reviewer Comment (2026-10-22): 442/1004D received, and shows property is completed Buyer Comment (2026-10-22): The 1004D is on page 3351 of the file build, are you looking for something different? Please let me know and I will locate. Thanks , [Redacted] |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545902 | 3158710822 | 37891665 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-10-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-20): Do not Concur. [Redacted] received the appraisal/invoice [Redacted] same day as valid CIC and a final inspection was required. CDv1 disclosed timely |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545905 | 3158710826 | 37819746 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception for DTI ratio. Exception approved with comp factors. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-14): Universal Product Exception Form in file, exception approved with comp factors. |
10/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 226545905 | 3158710826 | 37820523 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lender's Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-14): Universal Product Exception Form in file, exception approved with comp factors. |
10/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Rate/Term | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 226545905 | 3158710826 | 37820525 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-15): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-15): Do not Concur. Valid CIC for Lock expiration and loan points on [Redacted]. This caused premium pricing to go to $[Redacted] and added positive points and the CD disclosed timely. THEN premium pricing came back which is in favor to the customer. No cure due back |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545907 | 3158710832 | 37889566 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-19): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-19): Do not Concur. Valid CIC for loan amount [Redacted]. LEv6 disclosed timely |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545908 | 3158710835 | 37874061 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-16): Sufficient Cure Provided At Closing |
10/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NV | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226545909 | 3158710836 | 37902906 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-10-27): PCCD, LOE, refund check, and proof of mailing for finance charge overage has been received Buyer Comment (2026-10-27): Please see attached PCCD package Reviewer Comment (2026-10-23): [Redacted] received additional clarification on the service/purpose of the Loan closing fee and electronic fee. As noted on the clarification, the Loan Closing fee is the fee for closing a "loan" transaction, thus is fee related to the extension of credit. The Electronic fee is a technology use fee per the explanation, and thus would be a service type fee and not a fee related to the issuance of the title policy or other excludable reasons per regulations under 1026.4. Cure appears to be due for not including these finance charges in the calculation. Finance Charge was underdisclosed by $[Redacted]. Corrected CD, LOE to borrower, copy of cure refund for $[Redacted] and proof of mailing would be required to cure. Buyer Comment (2026-10-22): Please see second LOX from title. These section H fees should not be included as prepaid fees. Reviewer Comment (2026-10-22): [Redacted] received rebuttal that Elec Doc Service Fee $[Redacted] and Loan Closing Fee $[Redacted] are not finance charges. However, an electronic doc service and a loan closing fee may be considered a finance charge if related to the extension of credit. Please provide a lender's attestation explaining the services and purpose of the Electronic Document Services & Loan Closing fee services to confirm if they are related to the extension of credit. Buyer Comment (2026-10-21): Do not Concur. [Redacted] is including the section H fees of $[Redacted] Electronic Doc service fee and $[Redacted] Loan closing fee as prepaid fees and should not be. Please see LOX from title. |
10/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | CO | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545909 | 3158710836 | 37902907 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 exceeds tolerance of $-4,200.00. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-23): [Redacted] received changed circumstance. Rate not yet locked Buyer Comment (2026-10-22): Do not Concur. CIC for building status [Redacted]. Also note: initial loan lock did not occur until [Redacted] Reviewer Comment (2026-10-22): [Redacted] received a rebuttal response. However, the last column on the Final CD indicates that the Borrower attorney fee was paid by a third party and does not reflect an "L" designation. Please provide a valid with supporting documentation evidencing the lender credit removed on [Redacted] LE or provide a corrected CD and LOX confirming that the fee was paid by the lender. Otherwise, a cure will be due to the borrower. Buyer Comment (2026-10-21): Do not Concur. Customer received $[Redacted] lender credit at closing |
10/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545912 | 3158710844 | 37839462 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. Disclosed Amount Financed on page 5 is also blank or inaccurate. Fee amounts included in Finance Charge and Amount Financed calculations are based on Closing Disclosure dated [Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold. | Reviewer Comment (2026-10-22): PCCD, LOX, refund check, and proof of delivery received Buyer Comment (2026-10-22): Please see attached PCCD package Reviewer Comment (2026-10-16): [Redacted] received additional clarification on the Title-Tax Payment & Processing fee of $[Redacted]. This appears to be a finance charge as it appears to be a title processing charge that would not fall under the excludable services of regulation 1026.4(c)(7) relating to Fees for title examination, abstract of title, title insurance, property survey and similar purposes. Cure would be Corrected CD, LOE to borrower, copy of cure refund of $[Redacted] and proof of mailing. Buyer Comment (2026-10-15): Please see attached LOE from title regarding the Title-Tax Payment & processing fee $[Redacted]. [Redacted] is including this as a prepaid fee. Please recalculate. |
10/22/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545912 | 3158710844 | 37839464 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]%, or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-15): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-15): Do not Concur. Valid CIC for Added POA on [Redacted]. Recording fees increased and disclosed timely. This reset the baseline. Then the recording fees increased over tolerance and this cure was already given back at closing |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545913 | 3158710845 | 37861780 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception provided for PAG Decline only. Project declined due to an outstanding DOB violation. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-15): Universal Product Exception Form in file, exception approved with comp factors. |
10/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226545915 | 3158710849 | 37839003 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | APR changed on the [Redacted] CD which was 2 days prior to closing. | Buyer Comment (2026-10-21): Concur. The APR decreased out of tolerance by [Redacted]. The finance and amount finance increased. A new waiting period should have been given. The CD was given only two days before closing. |
10/21/2026 | No | 3 | C | C | C | C | C | C | C | C | C | C | CO | Primary | Purchase | No Defined Cure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226545916 | 3158710851 | 37871890 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-19): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-19): Do not Concur. Valid CIC for POA added [Redacted]. LEv3 disclosed timely. (Note: Forth of [Redacted] was a Holiday) |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545916 | 3158710851 | 37872059 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | Passport is missing for the Co-Borrower. | Reviewer Comment (2026-10-20): I94 received Buyer Comment (2026-10-20): these documents are in the file build |
10/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545916 | 3158710851 | 37876361 | Credit | 1003 | Document Error | 1003 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | Missing I-797 or I-94 Arrival/Departure record for both borrowers who are non-permanent resident aliens. | Reviewer Comment (2026-10-20): I94 received Buyer Comment (2026-10-20): These documents are in the file build on page [Redacted] and [Redacted] The I [Redacted] |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545917 | 3158710852 | 37840743 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-16): Exception approved with comp factors. |
10/16/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226545917 | 3158710852 | 37840753 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-16): Exception approved with comp factors. |
10/16/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226545918 | 3158710856 | 37866093 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The Lender Credits Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-10-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-16): Do not Concur. Valid CIC for loan points and lock extension [Redacted]. CDv2 disclosed timely |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545918 | 3158710856 | 37866095 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-10-16): sufficient cure provided at closing for this fee overage Buyer Comment (2026-10-16): Do not Concur. Ten percent tolerance violation was already cured at closing. Invalid exception |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545919 | 3158710857 | 37872768 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-16): Sufficient Cure Provided At Closing |
10/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545920 | 3158710859 | 37868166 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-10-19): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-19): Do not Concur. Valid CICs for LnRate and Loan points [Redacted]. CDv2 disclosed timely |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545923 | 3158710864 | 37810919 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception of DTI ratio. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-13): Universal Product Exception Form in file, exception approved with comp factors. |
10/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 226545923 | 3158710864 | 37810929 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception of DTI ratio. Exception approved with comp factors. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-13): Universal Product Exception Form in file, exception approved with comp factors. |
10/13/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 226545928 | 3158710869 | 37830260 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-14): Sufficient Cure Provided At Closing |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226545932 | 3158710876 | 37827670 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-14): Sufficient Cure Provided At Closing |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226545934 | 3158710878 | 37892350 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-20): Do not Concur. Valid CIC for initial loan lock [Redacted]. Points locked at $[Redacted] and LE disclosed timely. Loan points actually decreased at closing. No cure due back |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545934 | 3158710878 | 37893241 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification was not found in file. | Reviewer Comment (2026-10-22): REO documentation received Buyer Comment (2026-10-22): This document is in the file build on page 1557 |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545934 | 3158710878 | 37893252 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification was not found in file. | Reviewer Comment (2026-10-22): REO documentation received Buyer Comment (2026-10-22): Document is in the file build on page 3165 |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545938 | 3158710885 | 37824996 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. File is missing the Closing Statement or HUD for pending sale property [Redacted]. | Reviewer Comment (2026-10-23): sufficient asset documentation received Buyer Comment (2026-10-23): It's a corporate relocation and the funds were advanced from the relocation firm page 1026 and page 1199, Also the wire from closing came from the relocation company |
10/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545938 | 3158710885 | 37825003 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. File is missing the Closing Statement or HUD for pending sale property [Redacted] | Reviewer Comment (2026-10-23): sufficient asset documentation received Buyer Comment (2026-10-23): per last comment it's a corporate relo |
10/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545938 | 3158710885 | 37825044 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall exception for short assets. | Reviewer Comment (2026-10-23): sufficient asset documentation received Buyer Comment (2026-10-23): waterfall, responded to credit exception |
10/23/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | PA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545938 | 3158710885 | 37825045 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall exception for short assets. | Reviewer Comment (2026-10-23): sufficient asset documentation received Buyer Comment (2026-10-23): waterfall, responded to credit exception |
10/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | PA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545939 | 3158710887 | 37838419 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-15): Sufficient Cure Provided At Closing |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226545940 | 3158710890 | 37902786 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-20): Sufficient Cure Provided At Closing |
10/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545940 | 3158710890 | 37902789 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | First Lien purchase transaction did not disclose any Seller-paid fees/charges on page 2. | Reviewer Comment (2026-10-26): executed final settlement statement with seller paid fees received Buyer Comment (2026-10-26): Please see final Alta statement |
10/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545945 | 3158710897 | 37892268 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | A Revised Loan Estimate provided on [Redacted] was after the [Redacted] issue date of the initial Closing Disclosure. | Reviewer Comment (2026-10-20): ver 1 CD issued and sent after latest dated LE Buyer Comment (2026-10-20): Do not Concur. The initial CD was issued and sent [Redacted] . This is not before a LE |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226545945 | 3158710897 | 37892294 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | File does not contain valid Change of Circumstance and insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-20): Valid CICs for Interest rate and loan points [Redacted].Premium pricing changed to positive points and disclosed timely on LEv3 |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545945 | 3158710897 | 37892295 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | File does not contain valid Change of Circumstance and insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-20): Valid CICs for Interest rate and loan points [Redacted]. The points increased to $[Redacted] and the LEv3 disclosed timely. The points actually decreased at closing. No cure due back |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545948 | 3158710903 | 37825427 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | HOA Verification Document was not found in file. | Reviewer Comment (2026-10-19): HOA documentation received Buyer Comment (2026-10-19): Hoa is on page [Redacted] of the file build |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545948 | 3158710903 | 37825441 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted]. | Reviewer Comment (2026-10-22): HOI coverage verified to be in effect at closing Buyer Comment (2026-10-21): Do Not Agree, In file build HOI effective date is [Redacted] - PG- [Redacted] [Redacted] |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545948 | 3158710903 | 37830941 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-14): Sufficient Cure Provided At Closing |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226545949 | 3158710904 | 37838156 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-16): Do not Concur. [Redacted] received the appraisal/invoice same day of valid CIC for final inspection required [Redacted]. LEv3 disclosed timely |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545950 | 3158710905 | 37896110 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. | Reviewer Comment (2026-10-20): proof of appraisal delivery received Buyer Comment (2026-10-20): Please see proof that the appraisal was sent electronically [Redacted] |
10/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545950 | 3158710905 | 37896111 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Proof that the appraisal was provided to the borrower is not in file. | Reviewer Comment (2026-10-20): proof of appraisal delivery received Buyer Comment (2026-10-20): Please see proof that the appraisal was sent electronically [Redacted] |
10/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MA | Primary | Purchase | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545950 | 3158710905 | 37896120 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Recording Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-10-20): sufficient cure provided at closing Buyer Comment (2026-10-20): Do not Concur. Customer was charged $[Redacted] recording fees. The ten percent tolerance violation was already cured at closing |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545950 | 3158710905 | 37896121 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Appraisal Re-Inspection Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-10-20): sufficient cure provided at closing Buyer Comment (2026-10-20): Do not Concur. Final Inspection tolerance violation was already cured at closing |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545950 | 3158710905 | 37896122 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-10-27): PCCD, LOE, refund check, and proof of mailing received for this fee tolerance issue Buyer Comment (2026-10-27): Please see attached PCCD package Reviewer Comment (2026-10-20): comment and screenshot received are for appraisal, while the exception is for survey fee Buyer Comment (2026-10-20): Please see valid CIC for appraised value [Redacted]. CD disclosed timely. |
10/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545952 | 3158710910 | 37831853 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent and Other). Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-16): [Redacted]the fee are within tolerance limit. Buyer Comment (2026-10-15): Do not concur. Section C on this purchase transaction is unlimited tolerance. Also [Redacted] is treating this fee like a zero percent fee. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545953 | 3158710912 | 37896916 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid change of circumstance was not provided or sufficient cure. | Reviewer Comment (2026-10-21): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-10-20): Cured at closing or within 60 days of consummation prior to TPR review |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545953 | 3158710912 | 37896917 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-20): Do not Concur. Valid CIC for Loan changed to a [Redacted] CEMA purchase [Redacted]. CD disclosed timely same day |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545953 | 3158710912 | 37903531 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-20): Exception approved with comp factors. |
10/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 226545954 | 3158710915 | 37844249 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-16): Do Not Concur - please review page [Redacted]/ [Redacted] |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545957 | 3158710920 | 37875660 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form |
Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. | Reviewer Comment (2026-10-19): ROR not required for this refinance situation Buyer Comment (2026-10-19): Do Not Concur - ROR not required - LOE in file [Redacted]/ page [Redacted] |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545958 | 3158710922 | 37828178 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-14): Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. |
10/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226545958 | 3158710922 | 37828293 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-14): Exception approved with comp factors. |
10/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Second Home | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226545961 | 3158710928 | 37866540 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification of Employment is not within 10 business days of the Note. | Reviewer Comment (2026-10-19): VVOE received Buyer Comment (2026-10-19): Do not concur - VOE dated [Redacted] - page [Redacted]/ [Redacted] |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WI | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545965 | 3158710934 | 37873378 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of Employment is not within 10 business days of the Note. | Reviewer Comment (2026-10-19): verification of employment / business received Buyer Comment (2026-10-19): Per UW notes borrower [Redacted] CEO of business is self employed (at least [Redacted]% ownership). Please see attached verification of business. Reviewer Comment (2026-10-19): paystub dated [Redacted], which is more than [Redacted] business days prior to the note date Buyer Comment (2026-10-19): Do Not Concur = paystub in file page [Redacted]/ [Redacted] |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545966 | 3158710938 | 37803720 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | A valid Change of Circumstance was not provided for fee change, and no evidence of Tolerance of Cure was in the file. | Reviewer Comment (2026-10-14): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-14): Do Not Concur - lender LOE in file page [Redacted]/[Redacted] |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545966 | 3158710938 | 37806322 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid Change of Circumstance was not provided for fee change, and no evidence of Tolerance of Cure was in the file. | Reviewer Comment (2026-10-14): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-14): Do Not Concur - lender LOE in file page [Redacted]/[Redacted] |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545974 | 3158710952 | 37818543 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-13): Sufficient Cure Provided At Closing |
10/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | DE | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226545974 | 3158710952 | 37818544 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-13): Sufficient Cure Provided At Closing |
10/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | DE | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226545976 | 3158710955 | 37874846 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-19): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-19): Do not concur -[Redacted] rate [Redacted]% maintained using (.[Redacted]%) / [Redacted] rate [Redacted] % maintained $[Redacted] (.[Redacted]%) - borrower acknowledged discount points related to maintaining rate page [Redacted] -[Redacted]/ receiving all required documents page [Redacted] -[Redacted] |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226545977 | 3158710956 | 37810536 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-13): Sufficient Cure Provided At Closing |
10/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226545977 | 3158710956 | 37810538 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-13): Sufficient Cure Provided At Closing |
10/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226545978 | 3158710958 | 37831556 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. AVM supports value. Vendor/FSD do not meet Fitch criteria. Sec ID: 10 | The AVM in file has an FSD value that is not acceptable to Fitch. Please provide a desk review or other higher product than an AVM. | Reviewer Comment (2026-10-16): acceptable AVM received Buyer Comment (2026-10-16): Please review uploaded AVM. |
10/16/2026 | No | 1 | A | A | D | A | A | A | A | A | A | A | NY | Primary | Purchase | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545978 | 3158710958 | 37831672 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to the applicant three (3) business days prior to consummation. | Reviewer Comment (2026-10-15): appraisal delivery received Buyer Comment (2026-10-15): Do Not Concur - please review page [Redacted] / [Redacted] |
10/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | NY | Primary | Purchase | D | A | A | A | B | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545984 | 3158710966 | 37804542 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate (RCE) was in file and does not resolve the issue as current coverage does not cover the RCE ($[Redacted]). | Reviewer Comment (2026-10-15): HOI coverage is acceptable Buyer Comment (2026-10-15): Do Not Concur - please escalate - Insurance Cert specifically states "Insurance Up to Estimated Minimum Rebuilding Cost" aka Guarantee Replacement in the event property needs to be rebuilt Reviewer Comment (2026-10-14): the document states "were insuring your property up to the estimated minimum rebuilding cost...", however the doc states that the estimated minimum rebuilding cost is $[Redacted] higher than the coverage amount. Buyer Comment (2026-10-14): Do Not Concur - Insurance Cert in file confirms "insuring property up to the estimated minimum rebuilding cost" - page [Redacted] / [Redacted] |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | RI | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226545985 | 3158710967 | 37805192 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the updated appraisal at least 3 business days prior to closing. | Reviewer Comment (2026-10-14): proof of appraisal delivery received Buyer Comment (2026-10-14): Do Not Concur - please review page [Redacted]/[Redacted] |
10/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545985 | 3158710967 | 37805193 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the appraisal at least 3 business days prior to closing. | Reviewer Comment (2026-10-14): proof of appraisal delivery received |
10/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545990 | 3158710979 | 37805220 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-13): Sufficient Cure Provided At Closing |
10/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226545998 | 3158710992 | 37804507 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Initial Homeownership Counseling is missing in the file. | Reviewer Comment (2026-10-14): affidavit received showing docs sent timely Buyer Comment (2026-10-14): Please review [Redacted] and [Redacted] (specifically page [Redacted]/[Redacted]) where Housing Counselors Near You was provided at application. Full list is at [Redacted]. |
10/14/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | AR | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226545998 | 3158710992 | 37804508 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-15): PCCD and LOE received Buyer Comment (2026-10-15): Please review Closing Disclosure and letter attached. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546001 | 3158711003 | 37901726 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of Appraisal delivery to the borrower was not provided. | Reviewer Comment (2026-10-22): appraisal delivery received Buyer Comment (2026-10-22): Please review Appraisal confirmation attached. |
10/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546001 | 3158711003 | 37901727 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of Appraisal delivery to the borrower was not provided. | Reviewer Comment (2026-10-22): appraisal delivery received Buyer Comment (2026-10-22): Please review Appraisal confirmation attached. |
10/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546001 | 3158711003 | 37901730 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. (7507) | Reviewer Comment (2026-10-20): Sufficient Cure Provided At Closing |
10/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546001 | 3158711003 | 37909383 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Sufficient or excess cure was provided to the borrower at Closing | Reviewer Comment (2026-10-20): Sufficient Cure Provided At Closing |
10/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546001 | 3158711003 | 37911488 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-10-22): appraisal delivery received Buyer Comment (2026-10-22): Please review Appraisal confirmation attached. |
10/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546003 | 3158711008 | 37803799 | Credit | Income | Document Error | Income | The number of consecutive months receipt is unknown. | - | Evidence of 6 consecutive months receipt of Alimony is missing. | Reviewer Comment (2026-10-14): explanation and documentation received and acceptable Buyer Comment (2026-10-14): Please review [Redacted] and [Redacted] for alimony payment for [Redacted] through [Redacted] and D1C Asset Verification Reports at [Redacted] and [Redacted] to support the Underwriter's analysis below. Alimony is from [Redacted] to [Redacted] Alimony rec'd for the following months: [Redacted]: $[Redacted] [Redacted]: $[Redacted] [Redacted] $[Redacted] [Redacted] deposit $[Redacted] [Redacted] [Redacted]deposit: $[Redacted] [Redacted] [Redacted] deposit $[Redacted] Alimony is slightly lower because the divorce decree states the ex-spouse can deduct taxes and ins from the alimony being paid. The amts are slightly lower than what is stated on the divorce decree since the amt should be $[Redacted], correspondent used $[Redacted] which was what was rec'd in [Redacted]. The house sold in [Redacted] and payments since [Redacted] have been $[Redacted] per month. Accepting using the lower amt the correspondent used since the divorce decree speaks to it and the property was sold now and has been $[Redacted] since then. |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546004 | 3158711009 | 37836829 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-15): Sufficient Cure Provided At Closing |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | IL | Primary | Refinance - Rate/Term | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546005 | 3158711010 | 37861021 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid change of circumstance was not provided or sufficient cure. | Reviewer Comment (2026-10-16): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-16): Please review [Redacted]. $[Redacted] fee added on [Redacted] LE is addressed on [Redacted] CIC. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546012 | 3158711020 | 37879189 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The earliest dated Closing Disclosure in file is dated [Redacted] which was not at least 3 business days prior to the [Redacted] closing. | Reviewer Comment (2026-10-20): initial CD received Buyer Comment (2026-10-20): Please review uploaded initial CD from [Redacted]. |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IN | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226546012 | 3158711020 | 37879191 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid change of circumstance was not provided or sufficient cure. | Reviewer Comment (2026-10-27): PCCD, LOX, refund check, and proof of mailing received to cure tolerance issue Buyer Comment (2026-10-27): Proof of delivery and refund check uploaded. Reviewer Comment (2026-10-22): PCCD and LOE received, still need proof of delivery and copy of check Buyer Comment (2026-10-22): LOE, PCCD and proof of delivery uploaded. Copy of refund check pending. |
10/27/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546013 | 3158711022 | 37806750 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Proof of ABA delivered within 3 days of application not in file. | Reviewer Comment (2026-10-14): client accepts EV2 condition Buyer Comment (2026-10-14): EV2 accepted. |
10/14/2026 | No | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Purchase | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546015 | 3158711025 | 37808535 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-13): Sufficient Cure Provided At Closing |
10/13/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226546018 | 3158711031 | 37808603 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Dec page for the hazard policy is missing. | Reviewer Comment (2026-10-14): HOI policy received Buyer Comment (2026-10-14): Please review HOI at [Redacted] and [Redacted]. |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546018 | 3158711031 | 37808610 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Hazard Insurance Policy was not provided. | Reviewer Comment (2026-10-14): HOI policy received Buyer Comment (2026-10-14): Please review HOI at [Redacted] and [Redacted]. |
10/14/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | WA | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546022 | 3158711036 | 37828209 | Credit | Income | Document Error | Income | YTD Date is dated more than 90 days before the application date. | - | File is missing the required recent paystubs. | Reviewer Comment (2026-10-16): income and asset documentation received Buyer Comment (2026-10-16): Please review uploaded paystubs. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546022 | 3158711036 | 37828211 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Paystubs not provided. | Reviewer Comment (2026-10-16): paystubs received Buyer Comment (2026-10-16): Please review uploaded paystubs. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546022 | 3158711036 | 37828234 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Credit not given for the earnest money deposit as it is not fully sourced in the file. There is a copy of the personal check, dated [Redacted], in file, but the account it was written on did not have sufficient funds to cover the check when verified 2 mo prior with a balance of only $[Redacted]. Without these funds, the borrower is short verified funds to close and cover reserves. | Reviewer Comment (2026-10-16): additional asset documentation received Buyer Comment (2026-10-16): Please review uploaded investment statements. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546022 | 3158711036 | 37828238 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Credit not given for the earnest money deposit as it is not fully sourced in the file. There is a copy of the personal check, dated [Redacted], in file, but the account it was written on did not have sufficient funds to cover the check when verified 2 mo prior with a balance of only $[Redacted]. Without these funds, the borrower is short verified funds to close and cover reserves. | Reviewer Comment (2026-10-16): additional asset documentation received Buyer Comment (2026-10-16): Please review uploaded investment statements. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546022 | 3158711036 | 37828251 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted] and the appraisal did not indicate an estimated cost new value. Based on hazard insurance coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was was in file reflecting RCE of $[Redacted].and the coverage was not sufficient to cover this amount either. | Reviewer Comment (2026-10-16): HOI coverage is acceptable and meets guideline requriements Buyer Comment (2026-10-16): Do not concur. Please see RCE at [Redacted], [Redacted]or [Redacted], that indicates "unless a policy specifies otherwise, insured structures are insured for 100% of their estimated replacement cost". HOI policy does not "state otherwise". Additionally, per the appraisal, the appraised value of $[Redacted] less site value of $[Redacted] is $[Redacted]. Coverage is sufficient. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546022 | 3158711036 | 37828261 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to paystubs not provided for borrower and assets are insufficient. | Reviewer Comment (2026-10-16): income and asset documentation received Buyer Comment (2026-10-16): Please review uploaded paystubs and investment statements. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546022 | 3158711036 | 37828263 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to paystubs not provided for borrower and assets are insufficient. | Reviewer Comment (2026-10-16): income and asset documentation received Buyer Comment (2026-10-16): Please review uploaded paystubs and investment statements. |
10/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | MD | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546022 | 3158711036 | 37828653 | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. | Assets in file are insufficient to satisfy the reserve requirements. | Reviewer Comment (2026-10-16): additional asset documentation received Buyer Comment (2026-10-16): Please review uploaded investment statements. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546022 | 3158711036 | 37828654 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | Paystubs not provided for borrower. | Reviewer Comment (2026-10-16): paystubs received Buyer Comment (2026-10-16): Please review uploaded paystubs. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546022 | 3158711036 | 37828667 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to paystubs not provided for borrower and assets are insufficient. | Reviewer Comment (2026-10-16): income and asset documentation received Buyer Comment (2026-10-16): Please review uploaded paystubs and investment statements. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MD | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546024 | 3158711039 | 37811763 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-10-14): CDA received and acceptable Buyer Comment (2026-10-14): Please review CDA at [Redacted]. |
10/14/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | TX | Primary | Purchase | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546034 | 3158711055 | 37860766 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Multiple blank pages were received for this document. Please provide a complete copy of all pages. | Reviewer Comment (2026-10-16): DOT and rider received Buyer Comment (2026-10-16): Please review uploaded DOT & Rider. |
10/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | MD | Primary | Purchase | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546037 | 3158711059 | 37822802 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid Change of Circumstance was not provided for fee change, and no evidence of Tolerance of Cure was in the file. | Reviewer Comment (2026-10-19): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-19): The initial VOE fell outside the 10-day window from the Note date. However, page [Redacted] in the loan file indicates the borrower was aware of the changes related to credit, income, and other relevant factors. Therefore, the Verification of Employment completed on [Redacted] is considered valid, as it falls within the required business-day window of the Note date. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546038 | 3158711060 | 37827709 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with compensating factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors, | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-14): Exception approved with comp factors. |
10/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226546038 | 3158711060 | 37827714 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Universal Escalation Form in file for lender exceptions of DTI Ratio. Exception approved with compensating factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors, | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-14): Exception approved with comp factors. |
10/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226546041 | 3158711064 | 37823390 | Compliance | Compliance | Federal Compliance | Compliance | Buydown Subsidy Collected Less Than Buydown Terms - Buydown Terms Not Considered | Total Buydown Amount collected on HUD/CD $[Redacted] does not match Buydown Subsidy of $[Redacted] required per terms of Buydown Agreement Payment Schedule. Additional subsidy may be required to meet terms of buydown agreement. Any discrepancy may impact validity of compliance points and fees findings. | Total Buydown Amount collected on HUD/Closing Disclosure $[Redacted] does not match Buydown Subsidy of $[Redacted] required per terms of Buydown Agreement Payment Schedule. Additional subsidy may be required to meet terms of Buydown Agreement. Any discrepancy may impact validity of compliance points and fees findings. | Reviewer Comment (2026-10-15): final CD and buydown agreement match Buyer Comment (2026-10-15): See page [Redacted]-[Redacted]-The Buydown Payment Schedule amount of $[Redacted] reflects the same as the Final CD date [Redacted] |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546041 | 3158711064 | 37823411 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Verification(s) of Employment is not within 10 business days of the Note. | Reviewer Comment (2026-10-15): VVOE received Buyer Comment (2026-10-15): See page [Redacted] / [Redacted] for the VVOE dated [Redacted]. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546041 | 3158711064 | 37826733 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall finding due to missing VVOE for borrower dated within 10 business days of closing. | Reviewer Comment (2026-10-15): VVOE received Buyer Comment (2026-10-15): See page [Redacted] / [Redacted] for the VVOE dated [Redacted]. |
10/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | GA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546041 | 3158711064 | 37826734 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to missing VVOE for borrower dated within 10 business days of closing. | Reviewer Comment (2026-10-15): VVOE received Buyer Comment (2026-10-15): See page [Redacted]/ [Redacted] for the VVOE dated [Redacted]. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546041 | 3158711064 | 37826776 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing VVOE for borrower dated within 10 business days of closing. | Reviewer Comment (2026-10-15): VVOE received Buyer Comment (2026-10-15): See page [Redacted]/ [Redacted]for the VVOE dated [Redacted]. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546041 | 3158711064 | 37826793 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to missing VVOE for borrower dated within 10 business days of closing. | Reviewer Comment (2026-10-15): VVOE received Buyer Comment (2026-10-15): See page [Redacted]/ [Redacted]for the VVOE dated [Redacted]. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | GA | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546043 | 3158711067 | 37830487 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Universal Product Exception Form in file for lender exception for the amount of cash out. Exception approved with comp factors. | Borrower has verified disposable income of at least $[Redacted]. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-14): Exception approved with comp factors. |
10/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226546046 | 3158711075 | 37823453 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. The UCDP in file had a risk score of [Redacted], which does not meet securitization requirements. | Reviewer Comment (2026-10-16): CDA received Buyer Comment (2026-10-16): see page [Redacted] [Redacted]in the loan file for the CDA. |
10/16/2026 | No | 1 | D | A | D | A | D | A | D | A | D | A | VA | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546046 | 3158711075 | 37823466 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | VOE in file for the co-borrower is not within 10 business days of closing. | Reviewer Comment (2026-10-16): recent paystub used for VOE meets guideline requirements Buyer Comment (2026-10-16): See page [Redacted] / [Redacted] in the loan file: Paystub for Bwr2 works for [Redacted] ** Pay stub dated [Redacted] as of [Redacted]. Bwr is paid semi-monthly [Redacted] X [Redacted]= $[Redacted] YTD Base- [Redacted]/[Redacted]= [Redacted]supports |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546046 | 3158711075 | 37860804 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Waterfall due to missing VVOE dated within 10 business days of the Note date. | Reviewer Comment (2026-10-16): recent paystub used for VOE meets guideline requirements |
10/16/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | VA | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546046 | 3158711075 | 37860805 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing VVOE dated within 10 business days of the Note date. | Reviewer Comment (2026-10-16): recent paystub used for VOE meets guideline requirements |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546046 | 3158711075 | 37860815 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | VOE in file for the co-borrower is not within 10 business days of closing. | Reviewer Comment (2026-10-16): recent paystub used for VOE meets guideline requirements |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546046 | 3158711075 | 37860966 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall due to missing VVOE dated within 10 business days of the Note date. | Reviewer Comment (2026-10-16): recent paystub used for VOE meets guideline requirements |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | VA | Primary | Purchase | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546047 | 3158711078 | 37856176 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-15): Sufficient Cure Provided At Closing |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | GA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226546049 | 3158711081 | 37822519 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Reviewer Comment (2026-10-15): proof of initial CD delivery has been received Buyer Comment (2026-10-15): Please see page [Redacted]/ [Redacted]- Initial CD dated [Redacted] confirming receipt of [Redacted] on the first page. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226546049 | 3158711081 | 37826291 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-14): Sufficient Cure Provided At Closing |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Second Home | Purchase | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226546050 | 3158711083 | 37836766 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-15): Sufficient Cure Provided At Closing |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546052 | 3158711087 | 37831707 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2 | Reviewer Comment (2026-10-15): seller CD received Buyer Comment (2026-10-15): See page [Redacted]-[Redacted] in the loan file for the Seller CD. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546052 | 3158711087 | 37833026 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-15): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-15): Please see page [Redacted] / [Redacted] in the loan file for the CIC. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546054 | 3158711090 | 37841034 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Attorney Review Points Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change, and no evidence of tolerance cure was in the file. | Reviewer Comment (2026-10-16): borrower shopped for these fees, therefore fee increase is acceptable Buyer Comment (2026-10-16): Do not concur. The borrower shop for all Title fees; Title Review fee. Please review The Service Provider List imaged document ID [Redacted] page [Redacted] confirms Equity Settlement Services, Inc. was used. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546057 | 3158711097 | 37809305 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-10-15): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-15): Please see page [Redacted]-[Redacted]/[Redacted]in the loan file for the increase in recording fees. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546057 | 3158711097 | 37809306 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-10-15): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-15): Please see page [Redacted]-[Redacted]/ [Redacted]in the loan file for the increase in tax service fee. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546057 | 3158711097 | 37809308 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violations. | Reviewer Comment (2026-10-15): cure provided at closing Buyer Comment (2026-10-15): Per lender disclosure on page [Redacted], reflects the actual fee amount of verification in the amount of $[Redacted] minus $[Redacted] equals $[Redacted]. Cure provided on Final CD. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546059 | 3158711106 | 37825423 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Fee disclosed was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. | Reviewer Comment (2026-10-16): [Redacted]the fee are within tolerance limit. Buyer Comment (2026-10-15): Borrower shopped for all title fees which includes the Wire fee and should not be held at [Redacted]% tolerance. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546060 | 3158711107 | 37825023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-19): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-19): Please see CIC for increase in fee Reviewer Comment (2026-10-16): [Redacted]received rebuttal. However, the ten percent fee increased which require a valid COC or cure due to borrower for $[Redacted]. Cure documents consist Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-10-15): Please re-review - the lender title insurance increased corresponds with the loan amount increase on [Redacted]. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546060 | 3158711107 | 37827650 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-15): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-15): Please see page [Redacted]/ [Redacted] in the loan file for the increase in Loan amount points. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | KY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546061 | 3158711109 | 37866253 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the appraisal by the borrowers at least 3 business days prior to closing. | Reviewer Comment (2026-10-16): proof of appraisal delivery received Buyer Comment (2026-10-16): Please see page [Redacted] / [Redacted] along with page [Redacted] /[Redacted]for receipt of acknowledgment of the Appraisal |
10/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546062 | 3158711111 | 37879437 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | The Note amount is $[Redacted], and the appraisal indicated the estimated cost new is $[Redacted]. Based on hazard insurance coverage of $[Redacted], plus extended coverage of $[Redacted] for total coverage of $[Redacted], the loan is short of the required coverage by $[Redacted]. An Insurer's Replacement Cost Estimate was not in file. | Reviewer Comment (2026-10-19): email communication from insurance agent confirms the policy is [Redacted]% replacement cost Buyer Comment (2026-10-19): Please see page [Redacted] / [Redacted] in the loan file regarding RCE. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | SC | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546063 | 3158711112 | 37894109 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Verification Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-10-22): sufficient cure provided at closing Buyer Comment (2026-10-22): Cure located on the Final CD in the amount of $[Redacted]. |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546063 | 3158711112 | 37894113 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The Survey Fee changed to $[Redacted] on the CD dated [Redacted]. A valid change of circumstance was not provided for fee change. The cure provided at closing ($[Redacted]) is insufficient to resolve all tolerance violation. | Reviewer Comment (2026-10-28): borrower selected vendor for survey fee and fee change is allowed to be unlimited in this scenario Buyer Comment (2026-10-28): Please see letter of explanation.. |
10/28/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546065 | 3158711116 | 37832103 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-14): Sufficient Cure Provided At Closing |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226546070 | 3158711128 | 37844655 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-15): Sufficient Cure Provided At Closing |
10/15/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226546075 | 3158711137 | 37839128 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | The appraisal proof of delivery forms in file are blank. | Reviewer Comment (2026-10-16): apprasial delivery received Buyer Comment (2026-10-16): See pages [Redacted] -[Redacted]/[Redacted]in the loan file for the appraisal acknowledgment. |
10/16/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TN | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546075 | 3158711137 | 37839129 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | Seller Closing Disclosure was not provided in the file. | Reviewer Comment (2026-10-16): settlement statement shows seller paid fees Buyer Comment (2026-10-16): See page [Redacted] /[Redacted]in the loan file - the Settlement Statement reflects the Sellers fees. |
10/16/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | TN | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546076 | 3158711138 | 37877883 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-10-22): final 1003 received Buyer Comment (2026-10-22): Please see attached Final 1003. |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 226546078 | 3158711140 | 37861240 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-10-21): [Redacted] Received Supporting comments on the exception stating Survey required by title. Buyer Comment (2026-10-20): Do Not Concur - please escalate - Final Settlement Statement signed and dated by borrower and settlement agent (page [Redacted]/[Redacted]) confirms Title company - required the Survey fee AKA Plot Plan - Disclosed in category C - All title related fees would be considered shopped and not held to tolerance. Reviewer Comment (2026-10-20): [Redacted] is unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. If the borrower elected to have survey completed on their own then a Corrected CD moving the fee to Section H and LOE to borrower is required. Buyer Comment (2026-10-20): ****Correction: Correctly disclosed in category "C" and should not be held to tolerance. Buyer Comment (2026-10-19): Please see page [Redacted] /[Redacted] ... Per Final Settlement Statement, Survey fee AKA Plot Plan was Title required. Correctly disclosed in category H and should not be held to tolerance. |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546080 | 3158711143 | 37868104 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-16): Sufficient Cure Provided At Closing |
10/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226546080 | 3158711143 | 37868105 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-16): Sufficient Cure Provided At Closing |
10/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226546082 | 3158711145 | 37831454 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-14): Sufficient Cure Provided At Closing |
10/14/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226546086 | 3158711156 | 37832034 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification of the borrower's receipt of the updated appraisal was missing from the file. | Reviewer Comment (2026-10-15): appraisal receipt received Buyer Comment (2026-10-15): Do not concur. Please review document ID [Redacted] page [Redacted] Appraisal receipt to borrowers. |
10/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546086 | 3158711156 | 37832035 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-10-15): appraisal receipt received Buyer Comment (2026-10-15): Do not concur. Please review document ID [Redacted] page [Redacted] Appraisal receipt to borrowers. |
10/15/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | MD | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546089 | 3158711160 | 37826577 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Waterfall finding due to the missing third party verification of the borrower's Sch C business. | Reviewer Comment (2026-10-15): third party verification of business received Buyer Comment (2026-10-15): Do not concur. Please review document [Redacted] pages [Redacted] -[Redacted] Sch C. for all open exceptions. |
10/15/2026 | No | 1 | B | A | C | A | B | A | C | A | B | A | ID | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546089 | 3158711160 | 37826578 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | File is missing a third party verification of the borrower's Sch C business. | Reviewer Comment (2026-10-15): third party verification of business received |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546089 | 3158711160 | 37828722 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are one or more guideline deficiencies related to income and/or asset doc requirements which may impact the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing third party verification of the borrower's Sch C business. | Reviewer Comment (2026-10-15): third party verification of business received |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546089 | 3158711160 | 37828732 | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. | File is missing a third party verification of the borrower's Sch C business. | Reviewer Comment (2026-10-15): third party verification of business received |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546089 | 3158711160 | 37828745 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM Provision: Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Waterfall finding due to the missing third party verification of the borrower's Sch C business. | Reviewer Comment (2026-10-15): third party verification of business received |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | ID | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546091 | 3158711162 | 37875480 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The Flood Cert in file is not legible. | Reviewer Comment (2026-10-19): clear copy of flood cert received Buyer Comment (2026-10-19): Please review Flood Cert attached. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CO | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546093 | 3158711164 | 37823712 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | 442 Document was not found in images. | Reviewer Comment (2026-10-15): appraisal as is - acceptable Buyer Comment (2026-10-15): Do not concur. Please review document ID [Redacted] pages [Redacted]-[Redacted]Appraisal as-is . |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AR | Second Home | Purchase | C | A | A | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546100 | 3158711177 | 37877771 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-26): PCCD, LOE, and refund check received for this tolerance cure Buyer Comment (2026-10-26): Please review PCCD and letter attached. Buyer Comment (2026-10-26): Please review evidence of refund check attached. |
10/26/2026 | No | 2 | C | B | C | B | C | B | C | B | C | B | NJ | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546100 | 3158711177 | 37877846 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The VVOE located in file is blank. | Reviewer Comment (2026-10-19): VVOE received Buyer Comment (2026-10-19): Please review attached VOE. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546100 | 3158711177 | 37877847 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | The VVOE located in file is blank. | Reviewer Comment (2026-10-19): VVOE received Buyer Comment (2026-10-19): Please review attached VOE. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NJ | Second Home | Purchase | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546102 | 3158711180 | 37901813 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-20): Sufficient Cure Provided At Closing |
10/20/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NY | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546103 | 3158711184 | 37890047 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-19): Sufficient Cure Provided At Closing |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | MI | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226546104 | 3158711185 | 37889344 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-19): Sufficient Cure Provided At Closing |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | PA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 226546108 | 3158711190 | 37827927 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. No valid change of circumstance found and no evidence of a tolerance cure. | Reviewer Comment (2026-10-19): [Redacted] received rebuttal suffice Buyer Comment (2026-10-16): Do not concur. Please include the Title Early Issue fee $[Redacted] in the baseline [Redacted]% fees, this was disclosed to the borrower on Loan Estimate Issued [Redacted] and also charged on the Final CD same value. Recalculate this loan is within tolerance. |
10/19/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546110 | 3158711192 | 37889336 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | File does contain an email, dated [Redacted], indicating the appraisal was being provided to someone; however the recipient's email address is redacted so it cannot be determined if the recipient was the borrower or not. | Reviewer Comment (2026-10-20): appraisal delivery confirmed Buyer Comment (2026-10-20): Do not concur. Please review document ID [Redacted] page [Redacted]. The email address redacted is the borrower email address as listed on their URLA/Final 1003. |
10/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | SC | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546110 | 3158711192 | 37889362 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial Escrow Account Statement was missing from the file. | Reviewer Comment (2026-10-20): IEADS received Buyer Comment (2026-10-20): Please review IEADS attached. |
10/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | SC | Second Home | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546114 | 3158711198 | 37895522 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-19): Sufficient Cure Provided At Closing |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546116 | 3158711201 | 37895874 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-20): Do not concur. The Loan Estimate Issued [Redacted] Transfer Tax was added $[Redacted] this is listed on Document ID [Redacted] pages [Redacted]. The Valid Change in Circumstance form imaged under document ID [Redacted] page [Redacted] confirms City Excise Tax added this is acceptable. |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NM | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546117 | 3158711205 | 37831695 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The Flood Cert in file is not legible. | Reviewer Comment (2026-10-20): flood cert received Buyer Comment (2026-10-20): Please review attached Flood Certificate. |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Second Home | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546118 | 3158711206 | 37888669 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-21): [Redacted] received rebuttal comment and further review document signing fee disclosed is in section H under no tolerance section and disclosure in section H is acceptable. Buyer Comment (2026-10-20): cont-fee not held to 10% tolerance. Buyer Comment (2026-10-20): Do not concur. The Mobile Notary fee $[Redacted] is not a required service by Lender, not required/preceded by Title. This fee is in Category H. Optional not required fees the consumer-elected. Refer to 1026.38(g)(4). |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546118 | 3158711206 | 37888670 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | No | 3 | C | C | C | C | C | C | C | C | C | C | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 226546120 | 3158711208 | 37893361 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-19): Sufficient Cure Provided At Closing |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | CA | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546121 | 3158711210 | 37889254 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Reviewer Comment (2026-10-20): appraisal ack received Buyer Comment (2026-10-20): Do Not Concur - please review page [Redacted] / [Redacted] |
10/20/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | TX | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546121 | 3158711210 | 37889255 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-19): Sufficient Cure Provided At Closing |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | TX | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546124 | 3158711213 | 37898652 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-23): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-23): Please review valid Change in circumstance form for increase in Loan Amount Points |
10/23/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546124 | 3158711213 | 37898653 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-26): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-26): Please review valid Change in Circumstance form attached. |
10/26/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546130 | 3158711225 | 37890968 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Need final title policy or supplemental title commitment showing coverage equal to the loan amount. | Reviewer Comment (2026-10-22): final title policy received Buyer Comment (2026-10-22): Please review Title policy attached. |
10/22/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | FL | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546132 | 3158711229 | 37897691 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-22): Do not concur. Please review the Valid Change in Circumstance form document id D0550 page 257. The Change in Loan Amount is a valid reason for Lender credit decrease; Loan Estimate Issued [Redacted] Loan Amount $[Redacted], Loan Estimate Issued [Redacted] Loan Amount decreased $[Redacted]. Please cancel exception. |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546132 | 3158711229 | 37897693 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-10-21): Cured at closing or within 60 days of consummation prior to TPR review Reviewer Comment (2026-10-20): Cured at closing or within 60 days of consummation prior to TPR review |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546133 | 3158711231 | 37892556 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-10-19): Sufficient Cure Provided At Closing |
10/19/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | OR | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546138 | 3158711242 | 37827996 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | No documentation in file to evidence receipt of the appraisal by the borrowers at least 3 business days prior to closing. | Reviewer Comment (2026-10-26): appraisal delivery confirmation received Buyer Comment (2026-10-26): Please review Appraisal confirmation attached. |
10/26/2026 | No | 1 | B | A | B | A | B | A | B | A | B | A | CA | Primary | Purchase | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 226546139 | 3158711243 | 37874780 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Closing Disclosure issued on [Redacted] contains a change in APR, and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Buyer Comment (2026-10-27): Concur with finding Reviewer Comment (2026-10-27): [Redacted] agrees with regulatory guidance. However, that the final CD disclosed an accurate APR, it was not disclosed to borrower within 3 business days of consummation. Consummation date of [Redacted], would require an accurate APR be disclosed on CD by [Redacted]. Lender issued CD's on [Redacted], [Redacted] (2 sequences) & [Redacted] which are after this [Redacted] date. The APR changed over tolerance on the [Redacted] CD. Version 1 issued [Redacted] APR [Redacted]%, Version 2 issued [Redacted] APR [Redacted]% which increased .[Redacted]% (over the .125% threshold). The [Redacted] CD became inaccurate and 3 business day waiting period then required. The [Redacted] subsequent CD would not meet the timing requirement to have been received by [Redacted], 3 business days prior to consummation date on [Redacted]. There were no CD's disclosed with accurate APR, after the [Redacted] CD, within 3 business days of consummation. If there are missing CD's recieved [Redacted] or prior to and after [Redacted] with accurate APR, please provide. Buyer Comment (2026-10-26): Do Not Concur - The final CD was withing APR tolerance a new waiting period was not required, please see CFPB guide 12 CFR § 1026.19(f)(2)(ii) If a corrected Closing Disclosure is provided because the APR becomes inaccurate, the consumer must receive the corrected Closing Disclosure at least three business days before consummation. If another corrected Closing Disclosure is provided before consummation and the APR is again accurate (within tolerance), the three-business-day waiting period does not have to be restarted, provided the consumer receives the accurate Closing Disclosure at least three business days before consummation. i. Example - APR becomes inaccurate. Assume consummation is scheduled for [Redacted] and the disclosure for a regular mortgage transaction received by the consumer on [Redacted] under § 1026.19(f)(1)(i) discloses an annual percentage rate of 7.00 percent: A. On [Redacted], the annual percentage rate will be [Redacted] percent. The creditor is not required to delay consummation to provide corrected disclosures under § 1026.19(f)(2)(ii) because the annual percentage rate is accurate pursuant to § 1026.22, but the creditor is required under § 1026.19(f)(2)(i) to provide corrected disclosures, including any other changed terms, so that the consumer receives them on or before [Redacted]. Reviewer Comment (2026-10-23): 1026.19(f)(2)(ii) provides that if, among other things, the disclosed APR on the CD becomes "inaccurate" as defined by 1026.22, the creditor must provide corrected disclosures with all changed terms so that the consumer receives them not later than the third business day before consummation. Given the APR on the [Redacted] CD increased to [Redacted]%, thereby causing it to become "inaccurate" under 1026.22, the disclosure of this APR should have been provided to the borrower at least 3 business days before consummation. The fact the APR was later brought back down to the originally disclosed value does not change the fact the [Redacted] CD contained an "inaccurate" APR requiring the additional timing. While we understand the argument in stating in terms of the final CD rate being brought back down to [Redacted]%, however there is nothing in the TRID rule that permits the creditor to disregard the additional three day delay requirements simply because the APR increased in excess of the accuracy tolerance but then decreased on a later date. At the end of the day, a CD increased the APR in excess of the accuracy tolerances in 1026.22 and therefore, there should be a new waiting period. If there are any earlier CD's to the [Redacted] CD and after the [Redacted] CD that may have addressed this, please provide the missing CD's. [Redacted] would have been the date that borrower should have received accurate APR disclosure to be within 3 business days of the [Redacted] consummation date. Buyer Comment (2026-10-22): Do Not Concur. The APR did increase on CD version2 out of tolerance, but it was brought back within tolerance of CD version 1 on the next CD that was disclosed so a new waiting period was no longer required, the CD disclosed to the borrower timely. |
10/27/2026 | No | 3 | C | C | C | C | C | C | C | C | C | C | NJ | Primary | Purchase | No Defined Cure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 226546139 | 3158711243 | 37874783 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at closing. | Reviewer Comment (2026-10-16): Sufficient Cure Provided At Closing |
10/16/2026 | No | 1 | A | A | A | A | A | A | A | A | A | A | NJ | Primary | Purchase | Final CD evidences Cure | C | C | A | A | C | C | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546142 | 3158711248 | 37902572 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-22): Do not Concur. Initial loan lock did not occur until [Redacted]. Premium pricing and Loan points can float until this happens. No cure due back |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546142 | 3158711248 | 37902575 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-22): Do not Concur. Valid CIC for POA added [Redacted]. CDv3 disclosed timely increasing recording fees |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546142 | 3158711248 | 37902576 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-22): Do not Concur. Initial loan lock did not occur until [Redacted]. Loan points can float until this happens. Points actually decreased and no cure due back. |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546142 | 3158711248 | 37902577 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-22): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-22): Do not Concur. Valid CIC for loan amount [Redacted]. LEv2 disclosed timely |
10/22/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546143 | 3158711249 | 37806633 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $0.00. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-20): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-20): Do not Concur. Valid CIC for initial Loan lock [Redacted]. CDv5 disclosed timely same day |
10/20/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546144 | 3158711251 | 37805415 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A valid change of circumstance was not provided for the fee change, and no evidence of a tolerance cure was in the file. | Reviewer Comment (2026-10-21): valid COC received, with timely delivery of fee change to borrower Buyer Comment (2026-10-21): Do not Concur. Valid CICs for lock expiration and Loan points [Redacted]. Loan points actually decreased at closing |
10/21/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | IL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 226546144 | 3158711251 | 37825624 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Universal Product Exception Form in file for lender exception due to PAG decline. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-14): Exception approved with comp factors, |
10/14/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | IL | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 226546145 | 3158711252 | 37904455 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-20): Exception approved with comp factors. |
10/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226546145 | 3158711252 | 37904458 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-20): Exception approved with comp factors. |
10/20/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | CA | Primary | Purchase | B | B | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226546146 | 3158711253 | 37844558 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, paystub provided was dated more than 90 days prior to closing, WVOE provided was dated more than 90 days prior to closing. | Reviewer Comment (2026-10-15): Guides allow for credit docs to be up to 120 days which is met. |
10/15/2026 | No | 1 | C | A | C | A | C | A | C | A | C | A | NY | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 226546146 | 3158711253 | 37860343 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and [Redacted](e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Universal Product Exception Form in file for lender exception to the maximum DTI allowed. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-15): Exception approved with comp factors. |
10/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 226546146 | 3158711253 | 37860362 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Universal Product Exception Form in file for lender exception to the maximum DTI allowed. Exception approved with comp factors. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
Exception approved with comp factors. | SitusAMC,Originator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-10-15): Exception approved with comp factors. |
10/15/2026 | Yes | 2 | B | B | B | B | B | B | B | B | B | B | NY | Primary | Purchase | C | B | B | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |